Chapter 163 Bank Inspection Countermeasures Meeting
The conference room of the Mizuho Shinjuku branch is not large. At this time, the row of large square tables in front is already filled with big shots from the Tokyo branch. At this moment, the president and deputy presidents of each district branch are left with only some simple chairs and stools.
On the long table, cups of tea have been poured out, arranged in neat straight lines.
Sitting in the center is Yukihiro Takamatsu, President of Mizuho Tokyo Branch.
The conference room was very quiet, no one dared to make a sound. Gao Song did not know what information he was flipping on the table, but he was reading it very seriously. This sense of unknown amplified the nervousness of those present.
Shimada is sitting third from the left in the second row, holding a notebook. He is a little uneasy and has begun to panic. However, he comforts himself in his heart. Today, the Tokyo branch should just arrange a general self-examination.
The focus of the correction is probably not going to go into the specific substantive content.
In the conference room, the administrative staff next to him carefully pressed the remote control. With a click, the white curtain of the conference room began to slowly lower. The projector in the middle also lit up immediately, and the slides suddenly appeared on the screen.
Above it, there are the words "Bank Inspection Countermeasures Committee".
"Everyone here must be aware of the news announced by the head office today." Takamatsu said slowly, "The fundamental purpose of the head office inspection this time is to correct the current signs of bad habits in our bank. Nowadays, the economy in Japan is heating up, and people's hearts are
The restless and impetuous mentality has gradually been transmitted to some employees of our bank."
“The specific manifestations of this impetuousness are: lax internal control review, due diligence investigations are not carried out in accordance with the rules and regulations, capital adequacy ratios are disguised in the form of off-balance sheet assets, interbank business is carried out in violation of regulations, and some loan projects that cannot actually be recovered are not handled in a timely manner.
Provision for bad debt reserves, slack in anti-money laundering work, lax review of bank account openings, failure to cooperate with tax authorities’ requests for account information in investigations, and pushback against judicial authorities’ seizure and freezing requirements, etc.”
“Although the above situations are not common phenomena in our bank, the seriousness of the problems in individual branches in certain regions has attracted great attention from the head office.
"As Mizuho Bank, we must work hard to maintain our professional image. We must handle financial affairs with a professional attitude, professional behavior, and professional judgment. We must not introduce some crooked practices to undermine us.
The systems and norms within the industry.”
"Therefore, everyone here must fully understand the significance of this Head Office inspection." Gao Song slightly raised his voice and said, "We must accurately understand the strategic height of this Head Office nationwide inspection."
At this time, the presidents and deputy presidents of each branch in the conference room had already shown intriguing expressions. Although there was some instinctive fear of superior authority in their expressions, it was also accompanied by a trace of dissatisfaction. After all, unrealistic performance appraisal indicators were originally formulated.
It was the superiors who forced everyone to use various means to complete the target by showing off their magical powers. Now that they are done, the superiors have come back and said that everyone did not strictly abide by the risk control regulations.
This is simply a case of letting the superiors take advantage of everything.
Gao Song seemed to have noticed the dissatisfaction expressed by the presidents and deputy presidents of many branches below, but he saw him take a sip of tea and slightly raised his voice:
"This nationwide inspection is definitely not a matter of laughing and scolding each other between brother units and departments. We must not punish three drinks, hold it high and put it down gently. In other words, this nationwide inspection is
If you operate on yourself, you must see blood!"
As soon as these words came out, there was a sudden silence in the conference room.
Takamatsu continued: "This nationwide inspection of the head office starts from our Tokyo branch. Therefore, our branch must set an example for branches in other regions. Before the nationwide inspection is officially launched, I decided that our Tokyo branch will take the lead in conducting inspections."
In accordance with the requirements of standard inspections, self-examination will be carried out. Any projects that are found to seriously violate the bank's internal control system or regulatory requirements must be held seriously accountable for the project managers and approvers!"
After Takamatsu stepped into the Shinjuku branch, the atmosphere in the entire bank building was like dark clouds. As soon as these words came out, lightning and thunder began, wind and rain came together, and a heavy downpour began to pour on everyone.
From the words of Governor Takamatsu in front of him, Shimada had already seen the flash of swords and the bloody storm that was about to start. The hand holding the notebook was already sweating slightly, and the muscles on his face were twitching uncontrollably. How long did he have?
Cover up the pledged warehouse receipt incident of Dongshan Club.
Gao Song looked at the frightened presidents and deputy presidents of the branches in front of him. He seemed to have some kind of morbid satisfaction, and then he reached out and pressed the remote control on the desktop to control the slide show.
The screen suddenly flashed.
Then row after row of tables appeared on the screen and began to scroll.
"Serial No. 1, Konica Co., Ltd., enterprise floating mortgage project, No. 12938492, project approver, Shinjuku District Branch Vice President Shohei Shibayama."
"Serial No. 2, Feimeng Camera Co., Ltd., corporate business loan project, No. 1293823, project approver, Shinjuku District Branch Vice President Shohei Shibayama."
"Serial No. 3, Daejeon Transportation Co., Ltd., vehicle mortgage loan project, number A283102K1, project approver Shunsuke Hirokawa, Shinjuku City Branch President"
"Serial No. 4, Obama Concrete Co., Ltd., real estate mortgage loan project, No. A2531022, project approver Yosuke Nomura, Vice President of Shinjuku District Branch
…
One credit project after another kept popping up. The president and deputy presidents of the Mizuho Shinjuku branch, including Shimada, who were present, their eyes widened instantly, as if they had seen something unbelievable, and their faces all changed.
Gradually it turned pale and turned into ice sculptures sitting on the snowfield.
As the vice president of the branch, Shimada knew very well that these credit projects were problems that had begun to arise within the branch. He did not expect that the branch would act so quickly and find out the details of the Shinjuku branch in such a short period of time.
Clearly...how on earth did they do it?!
As the table gradually scrolls down, a line of text appears again:
"Serial No. 28, Dongshan Import and Export Agency Co., Ltd., letter of credit project, No. A77895220, project approver, Shimada Yusuke, Vice President of Shinjuku District Branch."
Cold sweat had soaked Shimada's shirt. The moment he saw this line of text, his mind went blank.
It's over.
Dongshan Club’s letter of credit project has been included in the branch’s key spot inspection items.
Gao Song's eyes swept over these forms at will, as if he was preparing to catch a project to scare the monkeys, and he was slowly selecting. Suddenly, Gao Song saw the 28th project, as if he had found an ideal goal.
The corners of his mouth were slightly raised.
"Shimada!"
Takamatsu's voice suddenly echoed in the conference room.
"Yes!!!" Shimada responded immediately, and immediately stood up from the chair, standing there like a soldier about to be beaten and scolded by an officer.
"Are you treating the branch as a pig?!" Gao Song's face twisted in an instant, wrinkles appeared on his face, his eyebrows trembled, the corners of his mouth grinned, these facial features combined together, like an evil spirit
came to the conference room, "This letter of credit project has been overdue for so long, and you still classified it as 'normal', not 'substandard', or even 'suspicious' or 'loss'. I think our branch is an idiot."
Can’t you even see this?!”
Takamatsu directly threw a stack of documents on the table at Shimada with a "swish" sound. The stack of documents drew an arc in the air, flew towards Shimada, and instantly hit the Shinjuku branch deputy branch directly.
The long face was like a huge snowball bursting in the air instantly, countless ice particles splashed out, and sheets of A4 paper suddenly shot out, falling like snowflakes in the corners of the conference room.
Takamatsu continued to yell angrily: "Vice President Shimada, when you were promoted, you were already much older than the vice presidents at the same time. But in the end, you actually did things like this! If you
If you don’t want to do it, just step aside and give the opportunity to young people!”
All eyes in the conference room instantly fell on Shimada.
Shimada just lowered his head slightly, standing there like a statue, motionless, silently accepting the humiliation from Governor Takamatsu.
Takamatsu looked at the scene in front of him with satisfaction. He ignored Shimada standing there and did not let him sit down. As if he treated him as transparent, he just ignored him and continued his speech.
Unconsciously, this countermeasure meeting had almost turned into a torture meeting against the Shinjuku branch.
As the meeting came to an end, Gao Song admired the way the chief and deputy presidents of each district branch were being scolded, and the corners of his mouth were slightly raised. At this point in the countermeasures, Gao Song felt that torturing his subordinates seemed to be boring.
, can no longer arouse his interest.
At this moment, he was thinking about another thing in his mind.
Tonight, he has a dinner party to attend.
At the dinner party, there was an extremely important guest.
I have been the president of Mizuho Tokyo Branch for more than ten years, but I have never been able to wait for the promotion opportunity to be transferred to the head office. I am also old, and I am afraid that I will stop here at Mizuho Bank.
However, if I could see that distinguished guest tonight, that gentleman.
This will mean that he will have an unprecedented opportunity to rise to prominence, and will gain greater power and resources than he does now. Thinking of this, Gao Song is already a little overwhelmed and intoxicated with himself.
At this moment, the mobile phone screen on the desktop flickered and vibrated.
A message popped up.
[President Takamatsu. The banquet for tonight at the Shogun Hotel has been arranged. Chairman Kamesaburo Akagi and Mr. Congressman will be present.]
Chapter completed!