The Kyoto Bubble Era: It started with selling off hundreds of millions of property
Chapter 6: A Lesson in Undercurrent Financing
"Gentlemen, President Asano has analyzed the current situation facing our branch at the regular meeting." The gray-haired Kuroda Yu sat upright with a serious expression. He no longer had the sense of groveling in front of Naoto Asano, and his imposing manner was quite strong. Majesty, "As long as we reach the 500 million financing target, our Osaka Chuo-ku branch will be able to secure its position as the best branch!"
"The task target received in the financing class is 150 million yen. In the last month, everyone must work harder!" Kuroda Yu glanced at everyone, his tone was sincere, but he didn't say anything like Naoto Asano did Draw cakes for everyone and beat chicken blood.
In several other small conference rooms not far away, the other three classes were also holding mobilization rallies. From time to time, shocking and passionate slogans were heard, and the noise was frighteningly loud.
In RB during this period, the workers were as enthusiastic as if they had been pumped full of chicken blood. They often used the astonishing slogan of "the company is the best in the world, aiming to make hundreds of billions of profits." It was extremely rare to find a calm department like the Financing Class.
"Section Chief, I think we have to get at least 300 million." The fat and fair Oshima Mitsuo rubbed his hands on the back of the chair with a smile on his face, "Thanks to the loan from Department Chief Kitahara, we can barely get rid of it." The other three courses have been taught, but after the announcement of this mission, they will definitely lend their money desperately. If they only complete the 150 million yen quota assigned by Governor Asano, this year's best department award may be lost."
Listening to the faint shouts, Oshima Mitsuo felt a little unhappy. Now that the moment of life and death was approaching, Kuroda Yu still showed his incompetence. With a bow and encouragement, could he improve his performance? ?
In his opinion, all the staff in the Financing Class should be given strong medicine now to make them full of fighting spirit and work hard for themselves!
It's a pity that he is only the head of a department now. In Tosan, which attaches great importance to workplace class, questioning the direct leader in person is a very disrespectful behavior. Oshima Mitsuo could only curse a few words in his heart, but he was still cheerful on the surface. , looking like a loyal person who gave advice to Kuroda Yu and worked hard for financing.
"And as long as the target is exceeded, our financing class will not only win the best department award again, but your position as section leader may also be moved."
"Of course, everyone's bonuses and promotions will be achieved smoothly. This is a tough battle that cannot be lost."
Probably because he felt that he was not convincing enough, Oshima Mitsuo added one last sentence. Lin Yuan, the director of the first department standing behind him, couldn't help but nodded, fully agreeing with his department head's proposal.
The words "active position" really speak to Yu Kuroda's heart. In the industry, he is ridiculed as an "old errand boy". He kneels down and licks Asano Naoto every day under great pressure in order to go further and win a better job. Retirement benefits.
"Oshima is right. If it's only 300 million, each department will probably be allocated a quota of 100 million. Isn't it a bit too difficult?" Yu Kuroda frowned. He only had one month. The previous lesson on financing was the best. His performance was only to complete the financing target of nearly 200 million in one month. Now he has directly increased the requirement by 1.5 times. Can his subordinates really withstand this pressure?
"Don't worry, Section Chief, the first department will definitely complete the tasks assigned by you!" Oshima Mitsuo secretly scolded Yu Kuroda for his incompetence. Seeing that he was clearly eager for the best department award, but also thought about a bowl of water, he was unwilling to give up. There were contradictions and differences between the three series, and this kind of foresight and hesitation made him extremely disdainful.
What is a subordinate?
Subordinates are used to exploit and squeeze, and they are stepping stones on the road to promotion.
At this time, it is really stupid to still worry about the stress of subordinates!
"I will follow the principal's arrangements." Sakurai Saeko, who always cherished words like gold, gently stroked the hair beside her ears and expressed her position. She rarely spoke at meetings, but I heard that after every regular meeting, she would hold a small meeting in her department to review various materials and information in detail for her subordinates.
Compared with the first department, which often makes big noises but has little impact, the second department led by Sakurai Saeko has a less famous reputation but has amazing performance.
And Kitahara Sosuke is a sudden rise. Not long after the reorganization of the third series, under his leadership, it has the momentum to catch up with the first series within two years.
This is also one of the reasons why he was invisiblely targeted by Oshima Mitsuo.
Sakurai Saeko, who has extremely strong personal abilities, is a woman after all. Considering various factors, Kuroda Yu was promoted, and the replacement was usually Oshima Mitsuo, a stable old employee, but now that Kitahara Sosuke has appeared, the situation is different. .
Kuroda Yu slightly tilted his head and turned his gaze to Kitahara Sosuke: "Kitahara, where are you?"
"I will try my best to complete the tasks assigned by the section chief. However, I have decided to shift my focus to personal loans and industrial loans this month." Kitahara Sosuke answered truthfully. Instead of waiting for Kuroda Yu to find out at the end of the year, he should show off his cards in advance. , to avoid too much trouble later.
At this point, continuing to invest a large amount of money in real estate loans is no different than seeking death. Kitahara Sosuke does not want to be settled by someone else, nor does he want to embark on a long road of debt collection.
As soon as he finished speaking, before Kuroda Yu could react, Oshima Mitsuo retorted loudly and angrily.
"Director Kitahara, are you kidding me?" Oshima Mitsuo was startled for a moment, then slammed the table, "Not to mention overfulfillment, 150 million, that's a 150 million yen loan. Do you think the target can be achieved by relying on those declining companies?"
"Isn't there anyone who doesn't know how good the current housing market is? As long as those big companies are willing to borrow large amounts of money to buy land, our performance and their profits can be achieved casually. Having said that, the Kitahara Department "Do you know how much land prices in Osaka increased after the Plaza Accord four years ago?"
Along with Oshima Mitsuo's mocking tone, the white fat on his body also trembled slightly, which made Kitahara Sosuke feel disgusted.
Come to think of it, this guy also drank like crazy at the previous celebration banquet, which made him so drunk that he couldn't bear it. This guy really bites him like a mad dog whenever he gets a chance.
"About 400%." Kitahara Sosuke spread his hands, "But in fact, most companies now have loans far beyond what they can bear. I looked through most of the loan projects of the lower three departments this year. Whether it is in the electronics industry, handicraft industry, logistics, or manpower, almost all the money borrowed by those companies went into the real estate market and stock market, and was not really used in the operation and development of the company. At the same time, in order to expand the business as much as possible, we almost gave up the physical I don’t care about their life or death at all.”
"So what? It's not your first day working in a bank, Kitahara. The use of customers' funds is just a superficial statement written in the business plan. You probably don't know that the stock market has risen by 400% compared to four years ago, right? , a loan of 30 million can generate nearly double the profit, do you think what they use the money for is really so important?"
"As for those real industries, haha, the yen has appreciated and exports have been greatly restricted. Still clinging to that stupid 'craftsman spirit' is stupid! Since we are unwilling to transform, we must be mentally prepared to go bankrupt! We are Banks are not soup kitchens, but by giving them loans, are they waiting to drink from the northwest wind together?"
Oshima Mitsuo sneered. He had invested all the money he had saved over the years in the stock market. Housing prices in Tokyo and Osaka were ridiculously high. He was once quite cautious and did not follow the advice of the presidents and buy a few properties. Now he regrets it. Incessantly.
Now Kitahara Sosuke is openly playing devil's advocate at this time. In his opinion, his head is broken!
But after the anger, Oshima Mitsuo, who gradually calmed down, smelled something different again.
He has been studying financing for too many years and finally waited for such a good opportunity. Two consecutive best department awards, plus the best branch within reach. As long as he gets these honors, Kuroda Yu will definitely be promoted.
As soon as he leaves, the vacant position of head of the financing class must be born among the three department heads. Now it seems that the industry is more likely to promote Kitahara Sosuke.
But the premise is that he continues to maintain his previous work performance in the last month.
But Kitahara Sosuke was ready to back down.
This young man is scared.
That's right. It's very possible that a newcomer who has just graduated three years ago is lucky enough to be the head of the department. Facing such a prosperous financial market, he may be prepared for danger in times of peace.
Especially those academics who come from famous universities, they talk about data every day. They are timid and don't dare to take a chance.
In such a good situation, the completion of the 500 million target is inevitable, it depends on how much they can get from one financing lesson. Now that Kitahara Sosuke has backed down, Oshima Mitsuo's team will win, and the final position of section chief will also fall into his hands!
Glancing at Kitahara Sosuke, who was still calm, Oshima Mitsuo suddenly smiled. This young man probably didn't know what he had missed.
Thinking of this, his eyes softened slightly and his tone softened: "Of course, Director Kitahara's concerns are not unreasonable. Many companies inject large amounts of funds into the stock market and real estate market, which has certain risks. As bank employees, we , we should always consider risks. However, this month’s task is related to the future of me, everyone, the section chief, including the entire branch, and we must not treat it casually!"
"If the third department is weak, the first department is willing to share more of the pressure." Mitsuo Oshima looked at Yu Kuroda, who had been silent, "What do you think, section chief?"
"In this case, it's not impossible." Kuroda Yu was a little hesitant. Although his business ability was average, he still understood the internal situation of the financing class.
Of the three departments under his control, the strongest one is actually the recently-rising Kitahara Third Department. It seems that it can't compare to the steadfast Sakurai Second Department, but Kitahara Sosuke has only taken over the reorganized Third Department for two years, and his performance has already exceeded The momentum of the Oshima series.
When he retreats bravely, can he really trust the Oshima family?
"Department Chief, please rest assured! Although the performance of our first department in the second half of the year is not outstanding, it has been making steady progress. Since Department Chief Kitahara cannot take such a large share, the first department is willing to accept all the additional indicators!"
Oshima Mitsuo cursed Kuroda Yu's mother-in-law and spoke righteously with a smile, fighting for the last piece of cake for the first line.
As long as you can eat it, all the failures before this year can be erased!
Just when Yu Kuroda was hesitating, Sakurai Saeko, who had been silent all this time, suddenly spoke with a light and moving voice, which instantly attracted everyone's attention: "Section Chief, should you listen to what Chief Kitahara did?" What’s the specific reason? I don’t think he would make such a rash decision without any reason.”
Compared to Mitsuo Oshima, who is full of competitiveness and ambition, and Yu Kuroda, who is hesitant and can't see the situation clearly, Saeko Sakurai, who has been sitting quietly watching the three people compete, is more rational.
Kitahara Sosuke turned his head again and looked at the tall beauty next to him. He learned a lesson in financing. Not all of them were idiots.
As for the reason for the sudden transformation, he had already prepared it.
"What's the reason? Haha, Sakurai-san. It's normal for Mr. Kitahara to be cautious in his work attitude due to his young age. He deserves praise. We really shouldn't just focus on real estate loans. Let's just let him do it." ." Oshima Mitsuo suddenly interjected and waved his hand. The devil wants to know why Beitahara's head is broken. He only sees the financing amount now.
"Okay, let's do it." Yu Kuroda looked at his watch, and his heart was filled with excitement at the thought of the possible promotion. He finally made up his mind, "We will raise the financing target to 300 million. As for the allocation of indicators, Oshima Kazuo Is this okay?”
You worked so hard to get an extra 50 million quota? Oshima Mitsuo's face suddenly darkened, and his good mood suddenly disappeared.
"If there are no other questions, I'll leave it to you all this month!"
After bowing as usual and explaining the points of attention, Yu Kuroda encouraged everyone a few more words. Originally planning to leave the meeting, Oshima Mitsuo quietly brought the topic to Kitahara Sosuke's absence in the morning.
In this final moment of fighting when all the people are fighting, laziness and depression are both big and small problems.
Everyone's gazes were directed towards him. Kitahara Sosuke, who had always been calm, did not react much. He just smiled and said, "Sorry, I have something to do at the moment and I have to deal with some personal matters."
"Kitahara, the branch has been emphasizing the mental problems of employees recently. You have to pay more attention and don't get caught by their investigators." Oshima Mitsuo said with a serious look and patted his shoulder, as if he was It was for his own good that I mentioned this problem.
"Yes, I will pay attention." Kitahara Sosuke bowed slightly and looked at Yu Kuroda with a calm expression.
Kuroda Yu waved his hand, but did not continue to dwell on this issue: "After the morning meeting, Director Fujiwara has already made up a written application for Kitahara. Occasionally, it is normal for urgent matters to be too late to submit the application. This will not happen next time."
"Yes." Kitahara Sosuke nodded and looked at Fujiwara Norika who was standing respectfully behind. The little girl's face was red with anger. She didn't know who she was sulking at. When she saw him looking at him, she snorted softly. , turned his head slightly, and missed his sight.
Oshima Mitsuo, who returned without success, laughed and didn't care very much. In his opinion, he had already won a great victory in today's meeting. As long as he easily completed the target in December, he would be able to step on Kitahara Sosuke forever. It's underfoot.
This kid is still the same as before, a coward. Oshima Mitsuo led Hayashihara Hibiki and left in a swaggering manner as a winner. Kitahara Sosuke, who was standing behind, looked at him as if he was looking at a pitiful creature.
His eyes were filled with pity.
But this feeling was fleeting and he didn't care at all.
For Kitahara Sosuke, the internal struggle within the Financing Class is completely meaningless. He has more important things to do. As long as Oshima Mitsuo doesn't block the way, he can do whatever he wants.
Of course, if he affects his plans.
A trace of murderous intent slowly formed on Kithara Sosuke's gentle face, and he didn't mind letting him die faster.
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