Kuroda Yu frowned slightly. Before he expressed his opinion, Oshima Mitsuo started to reprimand Kitahara Sosuke in a superior manner, which made him a little dissatisfied.
However, what Oshima Mitsuo said was what he was thinking, so he did not speak for the time being, letting him lecture Kitahara Sosuke in the tone of a senior.
"Takeuchi Rubber is a low-quality company on the verge of bankruptcy. I heard that the president is still a stubborn old fool. In this environment, he still clings to the 'craftsman spirit' and is unwilling to transform into real estate. How about lending him a loan?"
Are you going to let our money go down the drain?”
Oshima Mitsuo slapped the table hard and spoke harshly. His roar echoed throughout the conference room. The ordinary employees standing on one side shrank their heads and bent down, not daring to look directly into his eyes.
"Not long ago, Takeuchi Rubber was taken away 10 million yen by Osaka Financial. Their upstream companies have almost transformed into real estate developers, with low profit margins and difficult operations..." Kuroda Yu turned over and looked at it.
Document after document faithfully recorded the tragic situation of Takeuchi Rubber at this time, which made him even more puzzled.
If he really wants to do a special financing project, Kitahara Sosuke should at least whitewash this company! Judging from the information he provided, Takeuchi Rubber has no merit at all.
"Even if it's only 10 million yen, even if the interest is increased, we can't loan it to it." Kuroda Yu's words were the final verdict on this business. His face was ugly. He didn't know what kind of medicine Kitahara Sosuke was selling in his gourd.
.
"Section Chief, Oshima-senpai, Kitahara wrote down the key points of his application at the end. I think... there is no chance." Sakurai Saeko, who had been silent, suddenly spoke, her cold voice was extremely moving, and she suddenly
Attracted everyone's attention.
She rarely spoke in morning meetings, but every time she spoke, she was often to the point and pointed to the core issue simply and concisely.
Sakurai Saeko actually supports Kitahara Sosuke!
Oshima Mitsuo was stunned for a moment, then reached out for the information in front of Kitahara Sosuke, turned to the end, and briefly looked at it.
"New car shock absorption system...special rubber products, exclusive research and development technology..."
A piece of information is displayed in front of you, from patent applications to R&D plans, countless information proves that Takeuchi Rubber is indeed studying this brand-new technology carefully.
The information summarizes the prospects of this technology in very concise sentences. It also specifically points out that large automobile manufacturing companies such as Toyota have overseas expansion plans. It then lists the differences between Nissan cars and cars from other countries.
According to the description, if Takeuchi Rubber is successfully developed, it would indeed be interesting.
Judging from the huge prospects of the automobile market, it is not impossible to make a fortune with a loan of only 10 million yen.
Sakurai Saeko had already carefully read this thick document when Oshima Mitsuo accused Kitahara Sosuke. She evaluated it from a professional perspective and found that the loan was not without feasibility. It depended on the courage of the lender and the
What is the real situation of Takeuchi Rubber?
"Kitahara, have you ever visited the development laboratory of this technology?" Sakurai Saeko turned to look at him and smoothed the hair beside her ears with her hand, "What is President Takeuchi's character like? What is the environment inside Takeuchi Rubber?
What about the atmosphere? Also, does President Takeuchi have a certain degree of cohesion and credibility in the club?"
She asked a series of core questions, which made Norika Fujiwara stunned for a moment. These were all matters that the department head had seriously considered.
She sat upright slightly and felt that not far away, department head Sakurai, who was privately known as the "Iceberg Beauty", was really powerful. She was indeed the department head with the best performance!
Kitahara Sosuke answered them one by one. He had carefully examined all of them. His answers were fluent and did not seem to be sloppy, which surprised Sakurai Saeko slightly.
She came up with these questions after reading the information and thinking over and over carefully. Judging from the speed and quality of Kitahara Sosuke's answers, it was clear that he had already considered them during the field investigation!
What an awesome man!
"Section Chief, I agree to provide a customized special financing project for Takeuchi Rubber." Saeko Sakurai looked at Yu Kuroda and ignored Mitsuo Oshima to express her attitude.
Kitahara Sosuke glanced at Sakurai Saeko, a little shocked.
In my memory, this woman is shrewd and capable. She doesn't have much communication with herself. She also works alone in the industry and rarely participates in other people's business decisions.
She can actually speak for herself? And on such an unpopular project.
If he hadn't known that Sakurai Saeko was not the kind of person whose emotions would dominate her rationality, he would have almost thought that this woman had a crush on him and then brought her feelings to the workplace!
Of course, it is not ruled out that she has the intention of cheating her. After all, theoretically, she is also one of the strong candidates for the next section chief - although the senior management does not like women sitting in too high positions, the mere branch section chief
A career is not impossible.
Kuroda Yu was a little hesitant. To be honest, his vision was not good enough to judge the future of a company. Making decisions relied more on his knowledge and trust in his subordinates.
Is 10 million yen too risky?
The most important thing is that the approval process for special financing projects is cumbersome and takes at least a week. In this way, the three departments of Kitahara will spend a lot of time on this matter. What about the financing task of that lesson?
It’s only 10 million yen, which is too far away from the goal of 300 million!
Can you reject the application for special financing projects and agree to the approval of ordinary loans? This will not only take into account Oshima's mood, but also appease Beitahara, and then let them work hard for themselves.
Kuroda Yu made up his mind and was about to speak, but Mitsuo Oshima jumped in front of him and said, "Search, I don't agree."
"The special financing project is only for high-quality companies. I don't know whether Takeuchi Rubber can survive through the end of the year, let alone pass the branch's high-quality review! Even if 10 million yen is provided in the form of a commercial loan, it may become a bad debt, and the class
Chang, this is too risky!"
"With just one piece of information, wouldn't the section chief be able to conclude that it is a good club?" Oshima Mitsuo added, completely blocking Kuroda Yu's path.
"Department Chief Oshima! The department chief and I went to Takeuchi Rubber for field investigation..." Norika Fujiwara in the back couldn't bear it anymore. Smiling Tiger Oshima is so abominable! He actually wanted to block all their roads.
!
But before she could finish speaking, she was interrupted by a heavy knock on the table.
"Fujiwara! Didn't Kitahara teach you meeting etiquette? Do you have the qualifications to interrupt at this time? A director who has only been in the industry for two years is actually dictating to seniors and leaders? You don't want to stay in the industry anymore!"
Mitsuo Oshima's voice was so thunderous that it made Norika Fujiwara turn pale. In the RB workplace, it was extremely stupid for subordinates to question their superiors. She didn't pay attention for a moment and just shouted out like this.
At this time, she came back to her senses and suddenly panicked. She quickly lowered her head and tears began to well up in her eyes: "I...I..."
"Oshima-senpai, I have no intention of going through the branch's high-quality review process." Kitahara Sosuke sat on the chair, motionless, just looking at the menacing Oshima Mitsuo, and said leisurely, "That process is too cumbersome. It requires
By opening up too many joints, Takeuchi Rubber may really go bankrupt by the time the branch officially issues documents."
"Without going through the high-quality review process, Kitahara, do you want to acquire Takeuchi Rubber through a merger and acquisition holding model?" Sakurai Saeko reacted quickly, with a look of surprise on her face, and then thought of something again, showing an expression of sudden realization, "But this must be done.
It’s only a company with you as the legal representative. I remember that to register a company, employees in the industry must have been in the industry for more than ten years and be at least the branch president level.”
"Are you kidding? The merger and acquisition holding model was something that happened many years ago. Who would still do this?" Mitsuo Oshima was also dumbfounded.
Also fooled were Yu Kuroda and others.
The so-called merger and acquisition holding model is a contemporary policy launched by Dongsan in its early years.
At that time, a large number of insiders from the Mitsubishi Consortium were inserted into the top management of Tosan. In order to balance the psychology of the original top management of Tosan, Tosan launched this policy.
The policy allows companies with employees who have been in the bank for more than ten years and whose level is branch president or above to register themselves as legal representatives, to conduct any free business activities, and even obtain internal capital injection support from Tosan through this policy to become a bank.
One of its subsidiaries.
RB is a master banking system. Each major bank is controlled by a consortium, which then injects capital into various clubs and has a holding relationship with each other. This forms a huge network of relationships with banks as the mainstay and enterprises as the auxiliary.
When one is prosperous, both are prosperous; when one is lost, both are harmed.
This policy is equivalent to allowing employees to do side jobs in disguise, integrate their clubs into the banking system, become a member, enjoy low-interest loans and various benefits, and receive various care for future business transactions.
But later the senior executives discovered that instead of starting a new company themselves, it would be better to let the bank transfer a large company under their name to their own hands, directly control it, or retire and become the president, which would save worry, make money, and
No risk.
As time went by, no one at the top level did this anymore, and they usually just plundered the bank's existing funds. Anyway, the consortium's subordinates didn't know how many holding companies there were, so it would be fine if they just picked a few and left.
This system still exists today, but it is basically obsolete.
And it is exactly what Sosuke Kitahara needs most.
"Kitahara, do you know what you are talking about?" Kuroda Yuya was a little confused, "Your position is not enough."
"I remember that the merger and acquisition holding model later did not limit the person to be the legal representative. He only needed to publish a document in the industry and be willing to serve as a recommender." Kitahara Sosuke smiled, "In other words, as long as there is such a senior executive willing to recommend
Can my special financing project be successful?"
"That's true, but President Asano..." Kuroda Yu nodded, "I will definitely not approve your application, so don't bother him."
This is also what Norika Fujiwara is most confused about. When she was preparing information for the department head this morning, she also realized that the department head wanted to adopt the merger and acquisition holding model. In this way, everything makes sense.
But the problem is, it’s impossible for President Asano to agree, right?
"Section Chief, if I can find such a person, you will agree to this project, right?" Kitahara Sosuke still smiled with a confident expression.
Kuroda Yu nodded slightly: "Of course."
"Where's Oshima-senpai?" Kitahara Sosuke turned to look at Oshima Mitsuo.
"Of course I have no problem with that." Oshima Mitsuo was so angry that he wanted to curse. Isn't this nonsense?
If a senior executive at this level is willing to recommend Kitahara Sosuke, who would dare to object?
Are you seeking death?
He looked at Kithara Sosuke in confusion, feeling a bad feeling in his heart.
Does this guy have a backer?
Impossible.
He has been in the industry for so many years and has just opened up the relationship with the branch. In a bank where personnel is everything, it is very difficult to find a supporter who is really willing to train you!
The achievements of subordinates are the credit of the superiors, and the mistakes of the superiors are the responsibility of the subordinates. This is an unwritten iron law within the bank!
Who knows if your backer will turn around and sell you out.
Worshiping a mountain is a very challenging and dangerous thing.
Is he a senior of the Dongda faction?
He is from Tokyo, is he a big boss of the Tokyo faction?
Oshima Mitsuo's face became more and more solemn.
"Then it's settled, Section Chief, please be sure to approve my application documents when the time comes, please!" Kitahara Sosuke stood up and bowed, with a smile on his lips.
Fujiwara Norika was dizzy, this matter was suddenly settled like this?
I always feel that everything can be easily solved once the department head takes action?
...
It's night, Giraffe Nightclub, Chuo-ku, Osaka.
Mitsuo Oshima, his face shiny, wearing a floral-green plaid shirt and a windbreaker that couldn't cover his big belly, was walking down the hall aisle with Hibiki Hayashihara.
Lin Yuanxiang was still a little cautious. Looking at the red carpet on the ground and listening to the deafening music, he became trance-like.
Colorful neon lights flashed, and a golden giraffe sculpture was erected in the center of the hall. The surrounding booths were all full. Men hugged the ladies and laughed and played. From time to time, someone dropped a lot of 10,000-yen bills, which immediately aroused the screams of the girls.
Yelling and looting.
On the central stage, a short young man was dancing passionately with his arms around a tall dancer with heavy makeup, raising and lowering his hands, twisting his body in the gorgeous lights, and was completely mesmerized by such a decadent scene.
"Lin Yuan, this is paradise on earth. Champagne can be poured freely. As long as you have money, the world is a piece of candy. You can lick it and bite it. Haha." Oshima Mitsuo chuckled and patted his subordinate's shoulder heavily, "Go ahead.
Pick a nightclub princess you like and indulge yourself as much as you want!"
After sending away Hayashihara Hibiki, the smile on Oshima Mitsuo's face gradually disappeared. He looked at a booth, where a thin middle-aged man was sitting, holding three or four nightclub princesses in his arms. When he saw him coming, he immediately
Get up and greet him.
"Director Oshima, I'm extremely sorry. President Yamamoto has an important meeting today and won't be able to come."
"Why did President Yamamoto suddenly plan to go to Sakura Bank?" Mitsuo Oshima said with an angry expression on his face. Koizumi Kazumasa forcibly pushed him down on the sofa, and he also hugged a girl.
"Department Chief Oshima, this really happened out of the blue. The president had already agreed to the loan, but last night, the prince of the Yamada Group suddenly came to visit and asked the president to leave your bank. You also know the relationship between the Yamada Group and us.
, the president can’t refuse.” Koizumi Kazumasa poured him a glass of foreign wine, “Try it, the champagne tastes really good.”
"The prince of the Yamada-gumi?" The girl next to Oshima Mitsuo quickly took the wine glass and fed it to his mouth with a coquettish smile.
"Here, I've made an appointment for you." Koizumi Kazumasa looked at the short man dancing solo in the middle of the dance floor with a charming face, "He is a real big customer."
"Yamada-kun of the Yamada-gumi is a big shot. He is our distinguished guest and spends hundreds of thousands of yen every night!" The girl said with a smile, "Guest, you must find a chance to get to know him~"
After listening to this, Mitsuo Oshima couldn't help but sit up a little straighter. He could convince President Yamamoto that even a random nightclub princess here would know that such a character has indeed extraordinary origins.