"Everyone, this time the head office board of directors conducted a surprise inspection, the Kyoto branch was seriously damaged. Six forged deposit certificates were found at our branch headquarters, and employees misappropriated deposits amounting to 120 million yen! In addition, several other branches have
Internal financial problems of varying degrees were detected! The situation is serious! After this surprise inspection, our Kyoto Branch transferred 37 employees from outside, and our reputation also suffered major damage. In addition, the new business needs set by the head office board of directors will be related to
Can we keep our current business team?”
Tao Tailang spoke in a hoarse and moving voice. When he said this, he stood up suddenly, bowed to all the branch staff and shouted,
"Please be sure to complete the business requirements this time - the total financing amount of 50 billion, I leave it to you!"
"Yes!" The branch staff all stood up and returned the greeting, all with serious expressions, expressing concern about this.
It's already December, and the sudden increase in total financing quota by 50 billion is simply pushing their branch to death. Under normal circumstances, the board of directors would not do such a thing.
If it cannot be completed, it will be another internal review before the end of the year. It is said to be a review, but in fact it is a disguised form of making trouble for external employees, reducing salary expenses, and then forcing them to increase business volume in various ways, and skinning them as migrant workers.
As the core management team, a group of people headed by Tao Tarang will also face a crisis of job transfer and reorganization.
Among all the senior officials, probably only Kitahara Sosuke didn't mind this, but was vaguely looking forward to it.
Tosan's board of directors suddenly became anxious and actually used such strong scrutiny to conduct internal inspections, and the first wave was the three major branches of Osaka, Kyoto and Nagoya. It can be seen that the problems of other banks are really not small, which makes the behemoth Tosan also worried.
I am worried that the internal corruption problem has become very serious.
At the same time, the newly increased business demand showed that the total amount of Tosan's bad debts was much higher than expected. Even after Kitahara Sosuke successfully saved a wave of Osaka branches, it was to no avail!
That means that the Great Depression that he has been thinking about is really coming!
"President, I feel that in order to achieve this 50 billion yen financing target, we need to shift the branch's business focus as soon as possible to agriculture and real industries that we are familiar with. These two industries have always been the backbone of our Kyoto, and many well-known companies are also ours.
As long as old customers open their mouths, they can still get more loans." Takashi Sato, the director of the financing department who had been silent, suddenly stood up and said, he was impassioned and excited, as if he wanted to bring shame on the branch.
"I now have some good club resources, but due to the shift in business focus in the first half of the year, those clubs were unable to get the quota they wanted. Now, as long as we contact them, we will definitely succeed!"
"Oh? Which clubs are they?" Tao Tarang was shocked when he heard this and asked quickly, "Agriculture and real industry are indeed important customer industries of our Kyoto branch, but I remember that most of them have cooperative banks, and they can also
Do you want more loans?”
"That's right, Meiko." Sato Takashi shouted, and a beautiful girl sitting behind him stood up, saluted, and distributed the prepared information to all the management.
"President Kitahara~" A girl named Kato Miko bent down and handed him a piece of information. Her delicate fingers gently rubbed his palm, her eyes were as charming as silk, but she quickly left him and went to other management
there.
Kitahara Sosuke chuckled. He had a deep memory of this famous socialite of the Kyoto branch.
Kato Miko, who graduated from the Department of Finance at Kyoto University, has only been in Tosan for two years. She is the same age as Fujiwara Norika, but she is already the deputy head of the financing department of the Kyoto branch! The promotion speed is comparable to her plus version, Mieko Sakai of the head office.
"Everyone, please take a look. Here is a list of important customers in agriculture and real industry that I compiled. As the data shows, although they have been somewhat damaged in this year's economic wave, they have survived due to their huge size. With the real estate and stock markets
With the collapse of the economy, ecologically damaging industries have disappeared, and their business volume has also rebounded. Agriculture is the primary industry, an industry that cannot be replaced or eliminated. However, the profits are relatively thin, and the value that society can create is relatively limited. The success lies in stability.
, Yuanhe Agriculture and other companies have all gone public in recent years, and it is not a problem for them to borrow a total of about 10 billion yen."
Sato Takashi was quite excited when he spoke. He was holding a breath in his heart. He clearly knew that the position of vice president of the branch belonged to him, but Kitahara Sosuke parachuted in and took away everything!
He is not convinced!
We must take back what belongs to Kitahara Sosuke from his hands!
And now, the best opportunity has come.
As long as he saves the branch and makes achievements during this branch crisis, he can replace Kitahara Sosuke and become the new financial idol, the star of tomorrow!
This young man who relied on various bad means in Osaka and took advantage of the general environment to take off will be severely trampled under his feet!
"And our most important core customers are these four companies - Daishowa Paper, Mazda, Hanwa Industrial, and Yamaichi Securities."
It turned out to be these four villains!
Kithara Sosuke felt happy.
Saito Ryouhide of Daishowa Paper Co., Ltd. successfully settled in Kyoto after buying the paintings collected by Chino Rin for 85 million yen. The traditional paper industry was originally severely damaged during the bubble economy, but he managed to survive and is now in Kyoto
It was a prosperous time.
It's a pity that Daishowa Paper did too many stupid things during that period, buying a lot of land and stocks, which resulted in serious internal hidden losses and a sharp decline in assets. In addition, Saito Ryoui liked to collect so-called famous paintings and artworks.
, personal book losses are also very large.
These hidden liabilities have not been discovered by any banking institution. If he wants a loan, a bad debt crisis will inevitably break out.
As for Mazda, needless to say, internal problems began to emerge in the 1990s and continued to deepen. In the original history, after 1995, a debt loss crisis of up to 300 billion yen broke out during the financial crisis, and it suddenly fell into
In desperate situation.
This chapter is not over yet, please click on the next page to continue reading! As for Hanwa Industrial, it has long been dwarfed by Kitanowa's stupid investment behavior, and it is difficult to sustain, leaving only a hollow space. He said that he wants to continue to develop the real industry
, in fact, they are just trying to hold on and need a wave of life-saving money.
The last one is Yamaichi Securities, which is the most unpredictable and shocking bankrupt company!
Backed by Fuji Bank and the Fuji Consortium, it actually went bankrupt due to a massive debt crisis, and even the father behind it couldn't save it!
It can be seen how high the actual loss amount of Shanyi Securities is!
Kitahara Sosuke had to admire Minister Sato, who wanted to go against him at every turn, and chose a good ally.
At this time, Sato Takashi was still very proud, looking at Kitahara Sosuke with a smile on his face: "I think our branch's financing should be tilted to these four super clubs, instead of wasting money on some strange places, such as
...Nintendo? Game console manufacturing company? To be honest, maybe I am too old to understand the thoughts of Mr. Kitahara and you young people. How many games can such a thing be sold? Nintendo's game consoles
, how many copies can be sold throughout Japan? Ten thousand copies? One hundred thousand copies?"
"This little profit can't fill our vacancies at all." Sato Takashi laughed, "But I can also understand President Kitahara's good intentions. After all, this is the so-called technology industry, and such a club is rooted in Kyoto.
There aren't many of them, so if we don't help, they will be completely wiped out, right?"
"But, Bang Gui Bang, for a club like this, it is enough to lend him tens of millions of yen, right? Why should we give him 2 billion? The Kitahara Shenlang Credit Bank is nominally classified as belonging to our Tosan. In Kyoto, it is our Kyoto
As one of the branches' subordinate agencies, loan approval should also be decided by the financing department of our branch, right?"
Sato Takashi's words were hidden, targeting Kitahara Sosuke step by step. Everyone looked at the young vice president to see how he would respond to such aggressive behavior.
Unexpectedly, Kithara Sosuke spread his hands and said with a smile: "Mr. Sato is right, so I don't plan to borrow any resources from the Kyoto branch. I just use Kithara Shenlang's resources to cooperate with Nintendo. In this way, Minister Sato
Don’t worry about the impact this business will have on your financing department. As for the quota, you can give it all to those four clubs. I can’t stop this. After all, I’m just the vice president in charge of the operation line.”
"By the way, just now you said that the loan from Kitahara Shenlang needs the approval of the Kyoto branch. I still want to reiterate this point. Kitahara Shenlang belongs to Beihara Investment, and Beihara Investment has no controlling relationship with Tosan. If you have to say it
, Kitahara Investment is considered a cooperative in Tosan. It is a cooperative relationship, not a subordinate relationship. Therefore, the business approval of Kitahara Shenlang only needs to be approved by the Kitahara Investment Board of Directors, and there is no need to report to the Kyoto Branch."
When Kithara Sosuke said this, his voice gradually turned cold, then he looked at Sato Takashi with a smile, and asked in a relaxed but extremely oppressive tone,
"Even if I put the loan business of Beihara Shenlang here and give it to you for approval, would you, Sato Takashi, dare to approve it? Do you dare to take the next step?"
Sato Takashi choked uncomfortably at his words, but subconsciously he did not dare to answer.
What a joke!
He said that he wanted to apply for approval from the Kyoto branch, but he was just talking quickly. How dare he actually approve the business of Beihara Shenlang!
Even if you give him a hundred courages!
But Kitahara Sosuke asked him such a disrespectful question, causing Sato Takashi's previous momentum to completely disappear.
This young man!
Too arrogant!
"Just now, President Kitahara seemed to say just now that you don't want to lend money to these four high-quality clubs?" Sato Takashi didn't want to continue to argue with him on this topic, so he skipped over and talked about the loan issue.
He remembered that Sosuke Kitahara said just now, "I can't stop this." In other words, he was opposed to it.
Everyone who listened carefully naturally looked at Kitahara Sosuke with doubts on their faces.
These four clubs are indeed very powerful and there is no problem. Why not provide them with loans?
They can't think of a reason.
"Yes, I am opposed to providing loans to these four clubs." Kitahara Sosuke replied decisively,
"Whether it is Yamaichi, Mazda, Hanwa Kogyo or Daishowa Paper, they are not high-quality companies. If you give them a large amount of loans, a major bad debt crisis will occur!"
"What nonsense are you talking about! President Kitahara! You can't just target the business of our financing department just because I don't support your business!"
Sato Takashi immediately retorted.
He took out the pile of information and read out the current status and financial status of these four clubs word by word, and then asked with a smile,
"I would like to ask President Kitahara, this kind of club is not considered a high-quality club, what is? Is it that Nintendo that makes games!?"
The crowd was in an uproar.
Indeed, compared to the size.
Nintendo is not on the same level as these four companies.
Kitahara Sosuke glanced at Ito Marika, who understood and stepped forward to take out a prepared document. He was about to speak and tell these people about the problems of the four clubs, but was directly stopped by Tao Taro.
"Okay, okay, let's not continue arguing about this matter, it makes no sense!"
He was trying to smooth things over and draw a conclusion for this meeting.
"What Vice President Kitahara and Minister Sato said are reasonable. We must be cautious when reviewing loans. But when facing a high-quality club, we don't have to go into small details so deeply. Otherwise, how can we do business?
Check them one by one? Carefully, every corner, of course there is nothing wrong! But in this way, there will be no time to do business at all!"
"We must have such a strong sense of worry like Vice President Kitahara, and such a sense of responsibility that is worth learning and admiring. But at work, we must learn from Minister Sato's style. Regarding this, I hope that Vice President Kitahara
The president can also learn more from Minister Sato!”
"That's it for this meeting. I decided to entrust the 50 billion financing quota task to Minister Sato's financing department. Everyone must fully cooperate with his business development without any neglect! This is related to our entire branch.
, there must be no sloppiness in the slightest!”
"As for the issues that President Beihara Branch is worried about, I promise here that no matter what kind of problems arise, I, Taro Tao, will take full responsibility!"
"In that case, I agree to this plan." Kitahara Sosuke smiled and looked at Tao Taro, "The president has said so. There is no need to insist on it anymore, but I still want to reiterate that I don't agree with it.
Such a plan!"
...
After the branch meeting, Kitahara Sosuke left the conference room with Ito Marika. The atmosphere in the industry was as he expected. Taotaro and Sato Takashi, who were in the right place at the right time, had deep roots and it was difficult to shake them for a while.
There is no need for them to fight, he just needs to concentrate on doing his job and wait for them to seek their own death.
It was just that Marika Ito, who had no idea what was going on, was very angry and felt that it was not worth it for Sosuke Kitahara to be targeted by everyone even though he was clearly thinking about the branch.
Seeing her angry look, Kitahara Sosuke thought of Fujiwara Norika who had been away for a while, and couldn't help but smile and comforted: "Don't be angry, this is a bank, intrigues, just get used to it."