The Kyoto Bubble Era: It started with selling off hundreds of millions of property

The black and white AE86 was speeding along. Norika Fujiwara, who was sitting in the co-pilot, couldn't help but ask: "Department Chief, aren't special financing projects only for high-quality customers? With the current situation of Takeuchi Rubber, ordinary loans may not be approved. Bar?"

Fujiwara Norika bit the penholder. No matter how you look at it, Takeuchi Rubber does not look like a high-quality enterprise. It has little business, thin profits, and is not willing to transform. Although President Takeuchi is really pitiful and seems to be a good person, as a bank employee, he must not be more emotional than rational.

If you can't approve it, you can't approve it.

"Fujiwara, what do you think is the most important criterion for granting a loan?" Sosuke Kitahara asked suddenly while driving.

"Of course it's the creditworthiness of the lender!" Norika Fujiwara didn't even think about it. This is the only standard answer whether in textbooks or in actual combat.

"Not entirely right." Kithara Sosuke shook his head and glanced at her from the corner of his eye. There was a small notebook on Fujiwara Norika's slightly curved black silk legs, which recorded a lot of her work experience. The car body bumped and swayed in the thigh, "To be precise, the lender's future is the most important criterion for our evaluation."

"Future?" Fujiwara Norika bit her pen and looked at him doubtfully. She picked up a small book in one hand, opened it and looked at the past records, becoming even more confused.

"Yes. For example, Takeuchi Rubber just now. I decided to launch a special financing project for them because of the future of Takeuchi Rubber and Takeuchi Hikaru." It will be some time before he returns home, but he doesn't mind fulfilling his duties as a senior and teaching students. This cute little assistant.

"To be specific, it's the benefits they can provide me in the future. When you first arrived at Takeuchi Rubber, how did you do business? Do you remember?"

Fujiwara Norika nodded like a chicken pecking at rice. She has been in the industry for a year. When she goes out to do business, Kitahara Sosuke will entrust some small projects to her, and he will supervise and guide from the side.

This time, it was originally her main battlefield.

She acted in full accordance with the rules and regulations, asking about the purpose and amount of the loan, inquiring about information, on-site investigations, etc. She had long been familiar with this set of procedures, but this time she was called out by her department head just halfway through the conversation with Takeuchi Hikaru. Stopped.

"Name, family situation, business operating accounts, reason for borrowing." After listening to her review, Kitahara Sosuke smiled faintly, "You are obviously checking the household registration. You ask him questions, get the information, judge, and then decide. This is You can’t really do a good job in business.”

"But, that's what the system documents say, department head, non-compliant operations will be reprimanded by the investigators!" Norika Fujiwara was confused. She also learned this from the department head.

"Institutional documents are a standard framework that regulates our work processes, not shackles that restrict our actions. Fujiwara, humans are different from robots. If you only do things step by step, then what is the meaning of your existence?"

"Process-based work, data-based analysis and compilation, if you only do these, you will eventually be eliminated by the times. Our most powerful weapon is not those cold numbers, but this,"

Kitahara Sosuke smiled and pointed to his heart.

"Everything you ask, and even everything you see, he can disguise and deceive. Even with so many exchanges and contacts, it is difficult for you to see through the illusion. Therefore, we should treat them like friends, contact, test and Guidance, so that you can see a little bit of human characteristics.”

"Just like President Takeuchi, he knows that it will be easier to borrow money if he obeys my wishes, but he still stubbornly transmits his ideas and persistence to me. He can refuse transformation in the current environment, develop in multiple directions, and clearly understand his own business. Due to the limitations of the company, such a president is rare and very reliable.”

"I deliberately sent him aside to communicate with the staff to see their true evaluation of him. You think, interests are something that is actually related to them. My own president invested a lot of money in a company that was not favored by upstream companies. project, and even so, the staff still have no complaints and are full of hope, which shows that President Takeuchi has extremely strong cohesion and popularity in the company, which is something that is difficult to fake.”

Kitahara Sosuke said a lot, and Fujiwara Norika was stunned for a while. She quickly took notes and nodded.

Although what the department head did today was weird, it was really effective. It was novel and more humane than the previous process-only model.

Of course, there was a more important point that Sosuke Kitahara didn't tell her.

The future market for this kind of shock-absorbing material is huge. If you intervene early, you can get a lot of benefits, and he can also control this future new material giant in the form of a holding.

Before the bubble economy burst, no industry was as good as real estate and the stock market. Companies that can stick to their true intentions during this period are worthy of his attention and investment.

Norika Fujiwara's face turned red. The more she thought about it, the more she felt that what the department head said was right. She used to be too rigid in doing business, and there were times when she made mistakes in judgment because she credulously believed the other party's words and failed to obtain real data.

After all, it is so easy to get a loan these days. Banks have money, but companies are short of money. Anyway, it will be used to buy land and houses in the end. Just follow the rules and regulations and it will be done. No one will inspect it as carefully as Kitahara Sosuke.

In today's internal meeting, Kitahara Sosuke expressed his attitude, and Fujiwara Norika only thought that he was being cautious. The financing amount of the third series this year was very large, and he did not want to continue to expand, so he shifted his business focus.

But looking at it now, the department head seems to have other plans, and he is not just changing the business model casually!

Looking at Kitahara Sosuke driving quietly, Fujiwara Norika felt more and more that her department head was a bit unfathomable, and he was worthy of being a senior at Tokyo University!

At Takeuchi Rubber, he was also an admirable bank clerk!

She held her little head up with a pen, feeling happy and frustrated at the same time. Why was she so bad even though she was a graduate of Dongda University?

Seeing Xiao Nizi puffing out her cheeks and thinking hard, Kitahara Sosuke secretly laughed in his heart, and it was hard for her. This little girl must have been completely stunned by his various operations.

The bursting of the bubble economy must not be talked about now.

If you tell me, no one will believe you, there is no benefit, and there will be a lot of trouble, so why bother yourself.

But let's not talk about it. As her closest subordinate at the moment, Fujiwara Norika cannot understand his series of abnormal operations. She only hopes that she can think of it and explain it to herself.

As night falls, people come and go in high spirits on the brightly lit streets, and beautiful neon signs illuminate the entire city. As night falls, Osaka seems to wake up, exhaling a prosperous and intoxicating atmosphere.

When they returned to the branch, it was almost seven o'clock. The two of them packed up and headed towards the bustling neighborhood, blending in with all kinds of people.

Kitahara Sosuke took Fujiwara Norika into an izakaya with a slightly smaller family. The interior decoration was very simple, and it was rare for this style to be maintained in this era.

Basically, other stores will be extremely luxurious and highlight the word "hao" to attract a large number of people to come and spend money.

The two sat down. Kitahara Sosuke ordered a bottle of RB wine, and also ordered a lot of yakitori, sashimi and fried meat. After the wine arrived, Fujiwara Norika immediately took the wine glass and bottle and wanted to pour him wine. , but he declined.

"Don't be so reserved after get off work." Kitahara Sosuke poured a glass for himself, poured it for her, and pushed it in front of her. "This meal is a thank you gift for helping me write my leave application, in the name of a friend."

"Thank you, thank you, department chief." Norika Fujiwara couldn't say "Kitahara-san", so she took a sip of wine, still a little nervous.

The RB workplace is very hierarchical, and superiors have absolute control over subordinates. Some seniors do not regard their juniors as human beings at all, so the juniors can only swallow their anger and accept the situation.

After get off work, Norika Fujiwara always maintained a humble attitude when facing Sosuke Kitahara.

"Speaking of which, how did you know about Oshima's snitching this morning?" Kitahara Sosuke didn't force her to let go. He just drank and ate skewers and mentioned it casually.

"Director Hayashihara told me that we are in the same period, and we occasionally communicate." Fujiwara Norika whispered. Many of her gossips came from other people in the same period, which was her important source of information.

However, after being lectured by Sosuke Kitahara about the gossip in the morning, she did not dare to mention the source of her information.

Kithara Sosuke hesitated, put the blank sign back on the table, and said calmly: "Fujiwara, don't always listen to those gossips. Hayashihara is the director of the first department. What do you think of his relationship with Oshima?"

"Listen... I heard it's not very good. Department Chief Oshima always wants to find another assistant." Fujiwara Norika said, then realized something and lightly kicked the wooden board in front of her with her legs, "This, this , I also heard it from the same period."

"If a department head and his assistant have a bad relationship, it will be very awkward to do business. Lin Yuan, like you, has been the director for almost a year. If the relationship was really bad, he would have been transferred." Kitahara Sosuke said lightly. Laughing, "Regarding their relationship, what I hear the most is discord, and Lin Yuan always spreads a series of negative news intentionally or unintentionally, so it makes sense, right?"

"Uh-huh, hey, department chief, you mean they lied to us?" Fujiwara Norika nodded, chewing fried meat in her mouth, and was suddenly shocked.

"I lied to you." Kithara Sosuke resisted the urge to cover his face, "Obviously Oshima hopes to tell you about this through Hayashihara."

"Tell me, if you tell me, I will tell the department head secretly, like this..." Fujiwara Norika's face suddenly darkened, a little ugly. She is very smart and can understand everything.

In this way, even if there was no conflict before, the department head will be dissatisfied with the department head Oshima. Do they deliberately want the department head to take the initiative to provoke conflicts?

Realizing that she was being used as a weapon, Fujiwara Norika suddenly felt that the fried meat in her mouth no longer tasted good.

"Okay, just understand. You, while maintaining the same relationship, don't listen to the wind." Kitahara Sosuke gently tapped her forehead with the wooden stick in his hand, "You are really cheated. I can't save you."

Fujiwara Norika pursed her lips, suddenly feeling that the bank was so dangerous. She thought about it and picked up a skewer of grilled chicken and bit into it.

Kitahara Sosuke didn't want to say too much about these intrigues. He just hoped that his assistant would pay more attention to avoid being sold and still helping to count the money, and finally having to redeem it himself.

Next, they ate and drank, and the conversation became much more relaxed. As several glasses of wine went down, the cheeks of Norika Fujiwara, who was not good at drinking, gradually turned red, and her eyes became a little drunk.

"Department, Department Head, what on earth were you doing this morning~ You don't know, it's going to be very difficult to make that application for you!"

She spoke with a bit of a tongue. Kitahara Sosuke sipped his wine, but he didn't intend to hide it from her, so he told the truth.

I also said at that time that after the sales were finished, I would treat her to a meal.

"Ah? Department Chief, you really sold everything!" Norika Fujiwara exclaimed after hearing this!

After saying that, she covered her mouth with her little hand, glanced around, and then leaned closer to confirm again in a low voice.

"Department chief, are you crazy? That's a house in Tokyo. It's super expensive! There are also stocks. Why did you even sell those from our bank?"

"Well, not only that, the house I live in has also been sold." Kitahara Sosuke looked at her cute drunk appearance and couldn't help teasing her, "Now I have no assets and am homeless."

"Hey, eh, eh, department chief." Fujiwara Norika felt like her brain was dizzy and she couldn't think at all.

Compared with selling off the property, what happened in the bank today is nothing.

"Department Chief, you should, you owe us a loan shark, right?" Norika Fujiwara thought hard and could only come to this conclusion. Otherwise, it would be impossible to explain why the department chief would withdraw a large amount of cash!

"What nonsense are you talking about? Eat quickly. It's time to leave after eating." Kitahara Sosuke was speechless and gently poked her little head with the wooden pick in his hand. "If I really owe a loan shark, I can still work in a bank. What?"

"That's right." Norika Fujiwara, who was chewing chicken in her mouth, nodded and had no choice but to vent her doubts on the food in front of her.

Not far behind them, a tall and beautiful figure was leaning against the bar, holding a wine glass in his hand and sipping gently.

Sakurai Saeko, who also came to this izakaya for a drink, was in an extremely complicated mood at the moment. Her face was calm, but her heart was already in turmoil and it was difficult to calm down.

After get off work, she declined numerous social events and came to this relatively quiet izakaya alone to have a drink to wash away her fatigue.

Unexpectedly, she happened to bump into Kitahara Sosuke and Fujiwara Norika here. She was hesitant to say hello, but when she heard that Kitahara Sosuke was teaching Fujiwara Norika and talking about some secret topics, she couldn't bother them. .

It was not until later that she was completely shocked when she heard that Kitahara Sosuke had sold all the properties and stocks under his name.

She has worked in the banking industry for several years and the Plaza Accord was not signed when she joined the industry. She happened to have experienced several periods of changes and was particularly sensitive to these things.

During the afternoon meeting, Kitahara Sosuke suddenly proposed a change of strategy, and she was a little confused. Now she heard that he had even sold off his real estate in Tokyo, including Tosan's shares, and no one was left!

Sakurai Saeko suddenly smelled a terrible smell.

Selling off real estate and stocks, not even willing to keep bank shares, including the new strategy proposed at the afternoon meeting, other laymen may not see anything, but Sakurai Saeko quickly sorted out the clues and found the key clues.

If Kitahara Sosuke is not bragging and getting drunk, or his brain is broken, it means that he has a very shocking judgment, and he has determined that this judgment is correct!

No wonder he came up with that wacky transformation idea in the afternoon!

Sakurai Saeko once again glanced at the direction they were leaving with a complicated expression, drank the sake in the glass in one gulp, took a deep breath, and left without waiting for the store to close for the first time.