Chapter 2716 The true face of financial celebrities
Behind the gate of the park, Vodka looked at the deserted intersection and continued to curse Kotaro Hirama.
Chi Feichi lit a cigarette and looked quietly at the intersection on the other side of the road, still thinking about Kotaro Hirama.
When Hirama Financial Firm was first established, some people came to the firm for financial consultation because of Kotaro Hirama's former reputation.
Kotaro Hirama also regularly holds lectures in some residential areas to explain some basic financial knowledge to the public.
But not long after, someone revealed that Kotaro Hirama was connected to a high-interest credit company, and he usually used consultations and speeches to introduce new customers to that company.
There was a person who was having difficulty running a store and took out a loan from a certain credit company on the recommendation of Kotaro Hirama. As a result, he was unable to repay the loan despite the compound interest and was entangled by a violent association.
A housewife was deceived by Kotaro Hirama's reputation. She believed in the bond investment and stock investment introduced by Kotaro Hirama in his speech. After losing money, she borrowed a loan shark from a credit company recommended by Kotaro Hirama and paid back the money in a short period of time.
Only with interest that is more than twice the principal can you get rid of the collector's entanglement.
As the first person to reveal Kotaro Hirama's true identity came forward, similar revelations quickly emerged, causing Kotaro Hirama's reputation to plummet. Kotaro Hirama's financial science speeches were also boycotted.
Since then, Kotaro Hirama seems to have completely let go of himself, hanging out with informal credit companies, providing financial consulting to several credit companies, formulating loan plans, and transforming from a financial expert who could barely maintain a polite and decent attitude into a greedy and greedy person.
fox.
Outsiders have no way of knowing how many bad ideas Kotaro Hirama gave those companies, but after Kotaro Hirama served as a long-term consultant to the two companies, the scale of those two companies expanded rapidly, and the heads of those two companies were very interested in Hirama.
Kotaro Hirama has always been polite and friendly, and he regularly pays considerable consulting fees. You don't need to go into details to know that Kotaro Hirama must have provided these two companies with advice that can lead to huge profits.
In addition to charging consulting fees, Kotaro Hirama also put his own money in the two credit companies with which he had good relations, and let the two credit companies lend it out, thereby obtaining the benefits from loan sharking.
Two years ago, a company for which Kotaro Hirama served as a long-term consultant was involved in a serious dispute involving high-interest loans and violent debt collection.
That incident caused an uproar throughout Japan.
The protagonist of the incident is an old woman nearly seventy years old.
The old woman's husband has disabled legs and feet and works as a cleaner, while the old woman does odd jobs here and there.
The couple lived very hard. Since they had filed for personal bankruptcy in their early years, they could not borrow money from regular credit companies even in an emergency.
One day, when the old woman was having a headache to pay the rent and her husband's medical expenses, she met the salesperson of the credit company. With the other person's eloquent words, the old woman borrowed 3 yuan from the company.
Thousands of yen.
Of course, after deducting various handling fees, the old woman got only 50,000 yen.
The old woman thought that she would be able to repay the money after two days when she had enough money, and she happily told her friend that if she could repay the money within a week, the interest would only be 2,000 yen.
A few days later, an employee from the credit company called her to inform her that she needed to pay 50,000 yen in interest per week.
The old woman didn't understand how the interest rate could suddenly become so high. She found the reception desk of the credit company, and she was greeted by the same young female employee who helped her apply for a loan last time.
The female employee took out the loan contract signed by the old woman, pointed out some of the terms to the old woman, and chatted about it.
The old woman didn't understand those complicated terms. She only understood one thing - for some reason, the low-interest loan was no longer available to her, and now she had to pay the high interest rate marked on a certain term in accordance with the signed contract.
The next people to escort the old woman out were two vicious-looking men.
After the old woman returned home, she could only work to earn money to repay the loan, but she still couldn't pay such high interest. The interest on the loan compounded. Even if the old woman repaid more than 100,000 yen many times, she still couldn't pay it back.
At the same time, she had to face the constant urging and harassment from collection agents. The old woman found it unbearable and chose to call the police.
But after the police arrived, there was no way to arrest him.
The collection officers were also angered by the old woman's call to the police, and began to engage in more excessive collection behavior, urging the old woman to repay the money more frequently, and would also make intimidation calls and door-to-door threats from time to time.
The old woman couldn't bear the disturbance and called the police three times.
The police went there three times, but they still couldn't stop the collection agents from visiting the house in the future.
The old woman was forced to collapse and left a suicide note accusing loan sharks. She and her sixty-year-old husband chose to commit suicide. The old woman who committed suicide at the same time was the old woman who was already over eighty years old and had no one to take care of her.
elder brother.
This suicide incident attracted a lot of public attention. Subsequently, the police and the Financial Services Department launched an investigation into the credit company's illegal credit and violent debt collection.
In the end, many collectors were sentenced to three to four years in prison and fined 300,000 to 1 million yen. The president of the credit company was sentenced to one year in prison and fined 2.5 million yen. However, he was released on bail before he was formally sent to prison to serve his sentence.
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That set of dazzling loan terms was created by Kotaro Hirama. Even young people will suffer from those loan terms, let alone some old people whose thinking is gradually slowing down.
In the aftermath of the suicide incident, the set of loan terms was also circulated, with the key points highlighted, and circulated among frequent borrowers, reminding others that the terms could be so insidious.
As the creator of that set of loan terms, Kotaro Hirama had no other impact other than being scolded in private.
To use what Kotaro Hirama said in the interview at the time, he just tried his best to provide the company that hired him with a loan plan and corresponding terms. He did not decide the amount of interest, and he was not the executor of the final plan.
He is not a violent collector, so why should we hold him accountable? What reasons are there to hold him accountable?
In the following two or three years, the Financial Services Agency and the police paid attention to Kotaro Hirama because of some financial disputes. However, Kotaro Hirama was very clever and would not leave any evidence when providing improper advice to others. He would also be cautious when making money in gray areas.
The ground was cleaned from beginning to end, so the Financial Services Agency and the police had nothing to do with Kotaro Hirama. Even if they knew that Kotaro Hirama was not a good person, they could only condemn him on a moral level.
This is something outsiders know.
And secretly, Kotaro Hirama also colluded with the organization.
The police don't have any evidence to send Kotaro Hirama to jail, but the organization does.
The matter dates back to five years ago, when Kotaro Hirama was exposed for embezzling students' academic achievements.
When Kotaro Hirama was a professor at the university, he had three students under his command. He not only treated the three students as servants, but also insulted the students when he was in a bad mood to vent his anger.
The three students wanted to endure it and break away from Kotaro Hirama after graduation. However, on the eve of graduation, Kotaro Hirama misappropriated the academic achievements of one of the students, causing the student to commit suicide and making the other two students no longer want to tolerate it.
, it was exposed to the public that Kotaro Hirama had embezzled the academic achievements of students, and made a big fuss about it.
Outsiders thought that the student committed suicide, and even the police concluded the case as suicide. But in fact, when the student had a dispute with Kotaro Hirama, he was pushed off the river bank and hit his head.
He later sank into the water and died.
Kotaro Hirama originally had time to save people or call for help, but he did not take any action. He stood on the shore and watched the students drown.
There was no one else on the bank of the river at that time, but on the other bank, an organization member was sitting in a car, observing the situation nearby. When he found someone on the bank of the river, he used the camera in the car to zoom in and observe the other bank, which happened to be taken.
Kotaro Hirama had a conflict with a student and pushed the student off the river bank.
Subsequently, the video was handed over to the intelligence personnel above.
The intelligence officer who saw the video recognized the identity of Kotaro Hirama, a financial expert. Considering that Kotaro Hirama was valuable, he arranged for people to go to the river bank that night, cleaned up the traces left by Kotaro Hirama after his escape, and forged a forgery on the other side.
He created a fake 'suicide scene' and found the body along the river flow, and also tampered with the body.
The next day, someone found the student's body in the lower reaches of the river and called the police. The police investigated the student's identity and found Kotaro Hirama while investigating interpersonal relationships.
Kotaro Hirama was a little nervous at first, so he attracted the attention of the police.
It was not until evening that the police found the fake incident scene and found traces of the student committing suicide by jumping into the river on the river bank.
Kotaro Hirama heard from the police that the police found the student's footprints on the shore, which were the kind left by jumping out of the shore with force, and the mud from the river on that side was also found on the corpse's fingers.
The police speculated that it was probably because the student subconsciously waved his hands when he was drowning, and his fingers caught the mud on the inside of the river...
Those traces would not have been there originally.
The night before, the student hit his head and fell into the water. He didn't struggle at all. He floated feebly in the water and was washed away by the water. He had no chance to catch the sludge on the inside of the river, let alone the sludge accumulated on the other side of the river.
sludge.
Kotaro Hirama's reaction was as planned by the intelligence personnel, and he followed the police back to the river bank.
The intelligence personnel arranged for people to watch on the river bank. After confirming that Kotaro Hirama did not surrender, they could confirm whether Kotaro Hirama could be controlled.
Kotaro Hirama found that things were strange and beyond his control, but he still refused to tell the truth to the police. He would not be the kind of person who dared to take on the crime of murder.
It can be concluded from this: Even if Kotaro Hirama is threatened, as long as the threat does not endanger his life, Kotaro Hirama will most likely not seek help from the police.
After that, the intelligence officer contacted Kotaro Hirama by email and told Kotaro Hirama - we helped clean up those traces you left. We can help you cover up the fact of the murder, and we can also send you to jail.
Also sent there was the video of Kotaro Hirama pushing his student off the river bank and watching him drown.
In this way, Kotaro Hirama quickly agreed to work for the organization. After the matter of 'misappropriation of academic achievements' was exposed by two other students, he followed the trend and coyly admitted to the police that he had embezzled academic achievements, and also explained that he
I was a little nervous the day before because I was worried about this being exposed.
Because Kotaro Hirama realized that there was someone behind him who would help him, he felt confident, and he was no longer nervous when explaining and acted more calmly than the day before. The police believed Kotaro Hirama's explanation.
In the final analysis, the fundamental reason for Kotaro Hirama to resign and leave the school so simply is that he killed someone and was worried that the other two students and school colleagues would see that something was wrong with him. He wanted to stay away from those people and start over in a new environment.
Kotaro Hirama founded a financial consulting firm not only to make money, but also to facilitate the organization's work.
In the past five years, Kotaro Hirama has been responsible for legalizing some unexplained money for the organization. Occasionally, he will use his consulting client's business to help the organization sell gray real estate.
However, Kotaro Hirama probably felt uneasy after killing someone, and felt that staying in Japan like this and being controlled by others was not an option. He also felt that working for the organization was too hard, and found out that complex and terrifying criminal activities were involved behind the scenes, so Hirama decided to
Kotaro Ma is usually thinking about how to escape.
In five years, Kotaro Hirama made money crazily and accumulated a substantial net worth. However, he did not purchase excess real estate. He spent money intermittently to make goldware and purchase precious jewelry. Not long ago, he used some illegally obtained money to buy some on the black market.
A batch of jewelry, ready to leave Japan with the jewelry.
The organization had long been aware of Kotaro Hirama's little moves, and in the past two months, Kotaro Hirama no longer concealed his intention to run away.
Bank transfer scrutiny has become stricter this year, and Kotaro Hirama used this incident as an excuse to push back and delay the money laundering tasks assigned to him in the past two months.
Vodka often makes money with gin, and has more contact with 'money launderers' everywhere. I must have been dissatisfied with such perfunctory and procrastinating people.
The reason why Kotaro Hirama is retained until now is because Kotaro Hirama’s office has an internal account and records of the flow of funds when laundering money for the organization. If that account is obtained by the police, it is possible to trace the flow of funds.
When it comes to several organizational members, the organization needs to send people to find out the accounts and all backups and clean them up.
In fact, as early as a month ago, intelligence personnel had figured out the location of those accounts and backups. However, the cleanup operation against Kotaro Hirama was not carried out immediately. It was not until a week ago that the operation task was handed over to Gin.
.
During this period, the organization gave Kotaro Hirama a chance, but Kotaro Hirama didn't cherish it. He still found reasons not to help, and even made reservations for admission to the jewelry exhibition and ordered air tickets behind the organization's back.
Kotaro Hirama probably wanted to use the name of "going abroad to participate in a jewelry exhibition and sales conference" to take those valuable jewelry and fly abroad openly, and then find a place to slowly change his face, face, and identity, and then...
Those jewels and gold were cashed in to ensure that I could live a prosperous life abroad.
In a few days, the jewelry exhibition and sales in Europe will start, and Kotaro Hirama has booked a flight to Europe at noon tomorrow, so tonight, Kotaro Hirama should come to pick up the last batch of black market transactions.
of jewelry.
This was also the time Gin had chosen to act a few days ago.