Chapter 220 What is behind the bank

Author: Jing Jing

Chapter 220 What is behind the bank

At the cold wind of Akita Airport, Shirakawa Kaede and Hasegawa and his group were waiting patiently for visitors from Tokyo.

He raised his wrist and looked at it. It should be almost half past ten. The flight from Tokyo to Akita for more than an hour was still very convenient.

Sure enough, five minutes later, Yuu Shini, wearing a windbreaker, appeared in his field of vision in the passenger passage.

"San Ai, I'm so sorry for disturbing your holiday."

Just after the New Year, Shirakawa Kaede brought Akita to him, who was still on vacation.

After all, he is in his early sixties and is still in the cold climate.

So today Shirakawa Kaede came to Akita Airport to pick him up.

Yu Shirakawa waved his hand openly, "President Shirakawa Kaede is so polite, it's okay to move an old bone.

By the way, let's see who else is here together today?" After saying that, Yuu Shinkai, wearing a windbreaker, made way out and signaled behind him.

"teacher?!"

Behind Hiroshi Akai, Professor Yamada, who was also covered with a black windbreaker, was looking at this place with a smile.

After being surprised, Shirakawa Kaede quickly stepped forward and saluted, "Teacher, why are you here?"

"I haven't been to the north for decades, so I just happened to come and take a break to see it."

Before Yamada finished speaking, the luggage in her hand was picked up by Shirakawa Kaede.

Seeing that his disciple was so considerate, Professor Yamada shook his head with a chuckle.

"Since the teacher wants to see the scenery in the north, Shirakawa will definitely accompany you here."

Of course, Shirakawa Kaede didn't believe that his teacher was just watching the scenery, but there were some things that needed to be too thorough.

"Okay, let's go back to the hotel first.

The weather in the north is indeed surprising, and we also take a look at the information you prepared for us by President Shirakawa."

Hiroichi Akai knew exactly what his old friend was thinking.

What is the scenery of the northern country? Maybe it is not as attractive as these information.

Sure enough, when he heard what Ai said, Professor Yamada nodded. "It's better to go and check the information first, so as not to have any omissions that guy Ai."

Yu Shini stretched out his finger and tapped his old friend, who laughed.

Since the seniors all had the same request, Shirakawa Kaede had nothing to hesitate and took them directly to the hotel in the city center.

Akita Airport is about twenty kilometers away from the city center, and it is enough to drive thirty minutes.

…

In the hotel, Shirakawa Kaede, Shirakawa Yuki, and Professor Yamada were sitting together to study the information of Hago Bank.

"Hago Bank has a total of 18 branches. It is mainly distributed in Akita, Aomori, Iwate, Miyagi, and Yamagata Prefectures."

Yu Shini looked up and said, "It is indeed a real local bank, and its influence is basically concentrated in the Northeast."

"The main business scope is deposit business, loan business, investment business, and agricultural insurance business." Professor Yamada further added.

"The total assets of the bank are close to 300 billion yen, but its net assets are only about 45 billion.

The business situation is not optimistic." Yu Shinsui shook his head.

The so-called total assets of 300 billion may sound like a lot, but the biggest difference between total assets and net assets is that the total assets have not removed the bank's liabilities.

Net assets = Total assets - Total liabilities.

In other words, 3000-450=255 billion yen. This 255 billion yen is the liability of Hachigo Bank.

The remaining 45 billion is the shareholders' equity, minus the bank's total assets market value minus liabilities.

"It's good to have 45 billion, it's better than debt exceeding assets, that's a problem."

Professor Yamada’s financial impression of Hago Bank is not too bad.

At least you have net assets, that means you are not yet bankrupt.

Sure enough, those who came to the door on their own initiative were not popular.

Yuki Akai and Professor Yamada looked at each other, and then laughed at the same time.

"So let's take a look at what the total assets of Yuhou Bank include."

Yu Shinkai divided some of the information in his hand to Professor Yamada, and the two began to count the main assets of Yuhou.

For investors, total assets and net assets are two important indicators for examining the business conditions of the company.

The specific items included in the total assets are also key factors that affect investment or not.

To be honest, Shirakawa Kaede himself was not sure about these things, especially the banking industry.

So this requires two seniors who have been immersed in this art for many years to check.

"Huh" Yu Shini, who was reading the information, suddenly let out a light whistle.

"How about it, Ai San." Shirakawa Kaede looked at him nervously, and he attached great importance to this investment himself.

Yu Shinkai took off his glasses and said, "In addition to working capital and fixed assets, the total assets also contain a considerable portion of long-term investment and real estate resources.

Such an asset structure should be very healthy. Why is Yuhou Bank facing an operating crisis today?”

This is what puzzled Akai Yuki very much, based on his experience.

As long as it continues, the future prospects of Yuhou Bank will not be discussed, at least it should not be a difficult problem to maintain stable growth.

"If you guess correctly, it's because of heavy snow in the northeast."

At this time, Professor Yamada, who had read the information in his hand, raised his head and asked.

"Hago Bank's Touchi Ueda did say that because of the Daxue Club, it was risking a shortage of capital chain."

Shirakawa Kaede recalled the explanation given by Ueda Sang when he met Sasaki Kisaki last time.

"Then it makes sense." Professor Yamada handed the information from Zhou Chu to Yu Shini.

"The non-performing assets of Yuhou Bank are mainly concentrated in loan business and insurance business.

Due to heavy snow, some farmers are unable to repay their loans, and insurance compensation for agricultural losses is also a large expense.

If you encounter a shortage of capital chain, there will be operating risks.”

Although Yuhou Bank's net assets are positive, its net assets do not mean cash.

It may also be fixed assets, or long-term investments with stable returns.

"Then..." Shirakawa Kaede looked at the two seniors, "Is the Yago Bank worthy of taking action?"

Yuki Akai and Professor Yamada looked at each other, and then their eyes became extremely serious, "At any cost!"

"Eh?" Shirakawa Kaede was a little confused by their serious expressions.

Although he also valued this investment, his expression like their "absolutely not to be missed" still shone with the surprise of Shirakawa Kaede.

"Shirakawa" Professor Yamada got up and went to the window, looked at the snow on the streets of Akita, pondered for a long time before speaking again.

"Do you remember what you said in class about the history of Japanese banking?"

Shirakawa Kaede looked at his teacher's back, and at this moment he nodded subconsciously when he heard his question, "Remember."

"So what are the characteristics of the banking industry during the post-war recovery period?" Yamadato continued to ask without looking back.

"Implement the main banking system and use banks to dominate the development of the financial system.

Banks provide financing for enterprises, hold large amounts of shares in enterprises, and even connect to the business management of enterprises."

Shirakawa Kaede has also studied this part carefully.

“How long has this period lasted?”

"The recovery period before 55 years is the period of recovery, 73 years is the period of rapid development, and 80 years is the period of economic stability."

"What about now?"

"Now..." Shirakawa Kaede paused, "With the collapse of the Bretton Woods system, the reform of the monetary system seems to be possible to deduce financial regulation and achieve liberalization."

During this period, mainstream economic media in Japan have been discussing the possibility of liberalization of financial markets.

The Neon government also seems to have a tendency to relax the regulation of the financial industry, so Shirakawa Kaede answered like this.

"Financial liberalization?" Professor Yamada asked back.

"Probably, the government no longer implements strict supervision of financial institutions, and banks no longer pursue large holdings in enterprises?"

Shirakawa Kaede's tentative answer.

"No!" Professor Yamada turned his head and interrupted Shirakawa Kaede's imagination.

"Shirakawa, remember that the government will never relax supervision of financial institutions.
To be continued...