The Kyoto Bubble Era: It started with selling off hundreds of millions of property

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. Give him a loan. Are you? Are you going to let our money go down the drain?”

Oshima Mitsuo slapped the table hard and spoke rudely. 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." Yu Kuroda looked through documents one after another. It truthfully 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 club a little bit! Judging from the information he provided, Takeuchi Rubber has no advantages 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 don't think there is a chance." Sakurai Saeko, who had been silent all this time, suddenly spoke. Her cold voice was extremely moving, and it immediately attracted everyone's attention. Attracted.

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 for the information in front of Kitahara Sosuke, turned to the end, and briefly looked at it.

"New automobile 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\u0026D 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, and then lists the differences between Nissan cars and cars from other countries.

According to the description, if Takeuchi Rubber is successfully developed, it will 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 What is the real situation of Takeuchi Rubber.

"Kitahara, have you ever visited the development laboratory of this technology?" Saeko Sakurai 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 worthy of being 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 there was no sense of being sloppy, which surprised Sakurai Saeko slightly.

She came up with these questions after reading the information and thinking about them 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 it's on such an unpopular project.

If he hadn't known that Sakurai Saeko was not the kind of person whose emotions would dominate his mind at will, 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 to cheat 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 to sit 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.

Ten million yen, isn’t it 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!

Reject the application for special financing project and agree to approval of ordinary loan? This can not only take into account Oshima's emotions, but also appease Beiyuan, 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, class Chief, 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 behind her couldn't bear it any longer. Smiling Tiger Oshima is so hateful! They actually want 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 like thunder, which 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, suddenly panicked, and quickly lowered her head, 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. Then she thought of something again and showed a look of 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. Would anyone still do this?" Mitsuo Oshima was also dumbfounded.

Also stupid were Kuroda Yu 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 that have been in the bank for more than ten years and whose employees are branch presidents and above to register themselves as legal representatives, can conduct any free business activities, and can even receive internal capital injection support from Tosan through this policy to become a bank. One of its subsidiaries.

RB is a main banking system. The major banks are controlled by consortiums, which then inject capital into various clubs and have holding relationships with each other. This forms a huge network of relationships with banks as the mainstay and enterprises as the supplement.

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 hands, directly control it, or retire and become the president, which would save worry, make money, and No risk.

As time went by, no high-level executives 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 precisely the part that Kithara Sosuke 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 needs to publish documents 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..." Yu Kuroda nodded, "I will never 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 model. In this way, everything made 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 Kitahara 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 boss, and the faults of the boss are the responsibility of the subordinates. This is an unwritten iron rule 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 from the East University faction?

He is from Tokyo, is he a leader 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. Was this matter suddenly settled like this?

I always feel that everything can be easily solved once the department head takes action?

It's night at Giraffe Nightclub in Chuo-ku, Osaka.

Mitsuo Oshima was shiny, wearing a floral-green plaid shirt, and a windbreaker that couldn't cover his big belly. He 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 stood 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 girls' screams. Yelling and looting.

On the central stage, a short young man was dancing passionately with his arms around a tall dancer with heavy makeup. He moved his hands up and down, 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 dismissing Hayashihara Hibiki, the smile on Oshima Mitsuo's face gradually disappeared. He looked at a booth, where a thin middle-aged man was sitting. He was holding three or four nightclub princesses in his arms. When he saw him coming, he immediately Get up and greet each other.

"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 face. Koizumi Kazumasa forcibly pushed him down on the sofa, and he also hugged a girl.

"Department Chief Oshima, this really happened suddenly. 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. As you 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 group?" 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 center 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, Oshima Mitsuo couldn't help but sit up a little straighter. Even a random nightclub princess here would know that such a character has extraordinary origins if he can convince President Yamamoto.