Villa on the banks of Sumida River, in the study on the second floor, Miyashita Kita stood silently in front of the window
The drizzle outside the window, and the dry branches seemed to be emitting a little new green on the bare cherry blossom trees.
Outside the wet courtyard gate, several cars slowly parked on the side of the road. Then, a few middle-aged people got off their cars and walked towards the villa courtyard gate in the rain.
The cigarette roll in my hand is about to burn out, and the burning fingers of the cigarette butt hurt slightly
Miyashita Kita took his eyes off the window, walked to the desk, and snatched the cigarette butt in his hand in the ashtray, then walked to the chair behind the table and sat down.
At this time, on the desktop of this huge desk, there were a few newspapers and a document made of hard colored paper. The documents were very thick. From the open pages, there was a series of charts and data.
This exquisitely produced document is the financial report taken out by Changxin Bank. If the data above is credible, the current operating conditions of the bank are obviously very good: last year's annual net profit was US$4.1 billion, bad debt was US$22.9 billion, and capital adequacy ratio was 9.22%.
No matter what the point is, this data is very healthy
But, in fact?
In fact, despite pressure from the central bank, Changxin Bank used last year's profit to write off some of its bad debts, by the end of last month, the total amount of bad debts of banks was still as high as US$78.4 billion.
It must be emphasized that this data was shown to the central bank by Changxin Bank, and the central bank is not so easy to cheat. They believe that Changxin Bank's bad debts and problematic loans should be close to US$40 billion.
However, there is one thing that the central bank recognizes, that is, the problem of long-term silver, which is mainly concentrated on the plunge in real estate prices. As long as the real estate industry emerges from the current downturn, the problem of long-term silver can also be solved as the trend
Based on this, officials from the Central Bank and the Tatsuma Banking Bureau are optimistic that if Changyin can continue to survive, it will only be a matter of time before the end of the trouble. In other words, the best way to solve the Changyin problem now is to drag it down.
The reason for such predictions is actually not that the officials are blindly optimistic, but that they have no other choice. If the real estate industry, which has been trapped in too much capital, will go bankrupt, not just one long silver, but the entire Japanese financial system.
The difficulty in returning to financial problems, coupled with the lack of courage of politicians, has led to the victory of Changyin in this round of negotiations.
After a week of negotiations and competition, the mutual bank, which is supported by the central bank, finally made concessions. They determined that they would inject $1.8 billion into long-term credit banks in the form of purchasing preferred shares to help long-term credit banks through the current difficult period.
This is a concession made by the Japanese government to Changjin, and it is also a concession made by the political community to the financial community. It is reported that the province of Taoism is still considering another measure, which is to take out a huge amount of public funds and set up a financial security fund to support troubled financial institutions.
If this measure can be finally implemented, then the entire Japanese financial community will probably cheer for it
The sound of footsteps came from outside the study room, and soon, a bodyguard appeared at the door: Master, the guest you made an appointment has arrived.
Invite them in, Miyashita Kita nodded, closed the financial report on the table in front of him, threw it aside, and said
The bodyguard turned sideways and made a gesture to invite him. Then, five middle-aged men came in one after another.
Miyashita Kita stood up, bowed to the five middle-aged people who came in, and said: I'm so rude to ask you all over here.
The five middle-aged men didn't say anything, but just bowed slightly and returned a greeting.
Please sit down, Miyashita Kita pointed to the sofa opposite and said, "Drink tea or coffee?"
The five middle-aged men were not polite, so they each found a place to sit down. Four of them asked for tea, and only one of them had a thin body and gray hair. They asked for coffee.
Don’t Senior Akiyama like to drink tea? Miyashita Kita looked at the thin middle-aged man and said with a smile, “Don’t worry, the tea here is still very good.”
He called this middle-aged man a senior because the other party had a high qualification within Changxin Bank. He and Akamoto were of the same generation. As one of the three directors of Changxin Bank, he had been in the bank for many years. He was once the most powerful competitor of Akamoto, the supervisor.
However, when Miyashita Kita caught Toshiki Iguchi, he helped Akamoto get very important evidence, which eventually led to the person having to make concessions, thus losing a lot of voice within Changxin Bank.
That's right, this person is Akiyama Ki Nobuki, one of the three current directors of Changxin Bank. He is also Kasuke Sanada's enemy. That woman never gave up on her revenge.
Miyashita Kita promised Sanada Kasuke that he would help her revenge and kill Akiyama Kishita. However, the promise to women is never the most important thing. If it is not in line with his own interests, Miyashita Kita would not take action rashly.
Since Akamoto's death, Ki Nobu Akiyama has always been very honest. He did not reach out to the bank and was very honest. Therefore, Kido Miyashita did not think about finding fault with the other party. He always believed that it was not a bad thing to leave one or two opponents on the broken ship of the Nagashima Bank. At least when someone needed to take the blame, he would not be able to find someone.
Akamoto came to us, there should be something important to discuss? Akiyama Kishi said with a smile, I didn’t have a good rest last night, and now I can refresh myself by drinking a cup of coffee.
Miyashita Kita nodded with a smile, sending the bodyguard standing at the door to prepare tea and coffee
The five people he found today are all senior officials of Changxin Bank, which is the so-called service personnel. In addition to the director of Akiyama Ki Nobuki, the remaining four are bank director Akiki Kanda, deliberation committee members Hiroshi Nakai, Mitsuhei Kanda, and Kurimoto Kurama.
In addition to the chairman and chairman of Changxin Bank, the service staff of Onoki, there are three vice presidents, seven deliberation committee members, three supervisors, three directors and seven participating people. These people constitute the core decision-making level of the entire Changxin Bank.
Among these people, in addition to Miyashita Kita, there are two other supervisors and a vice president, plus the director of Akiyama Kita, who is a director.
As chairman and president, Ono Kiru is not a shareholder, but as the former director of the Financial Management Bureau of the Province of Tibet, he represents the position of the central bank and the Banking Bureau of Tibet, so he has a stable position and holds great power to speak.
Under Onoki, including Miyashita Kita, almost every senior management has its own power and has its own sphere of authority. There is cooperation and struggle between them. There is no difference between them and other enterprises and institutions.
There is no question of important things. Miyashita Kita sat back on the chair, took a cigarette casually, and said while gently knocking on the table, saying, "I'll invite you guys to come here today, just want to ask about the three companies, including the rental company, NIE and Landico."
After his words, Akiyama Ki Nobu's eyes changed immediately. He sat upright, folded his hands in front of him and asked: Akamoto, we have made a detailed report on the specific situation of these three companies at the previous shareholder meeting. If you have any information, you can go to Chairman Ono to inquire
For Changxin Bank, it is taboo to have three direct subsidiaries and one loan customer now. The three companies mentioned by Miyashita Kita are those three direct subsidiaries. As for which loan customer, it is EIE real estate
EIE Real Estate has mentioned before, it is a large company that operates real estate projects. Before the real estate bubble burst, it was a company that was favored by all because the real estate it invested in was mainly luxurious hotels, golf courses and tourism resort facilities. It was not only limited to Japan, but also had a lot of investment overseas.
However, with the bursting of the real estate bubble, the profits of Japan's domestic tourism industry plummeted, and coupled with the depreciation of real estate, the company began to struggle.
In 1992, the losses of EIE real estate reached tens of billions of yen, while the loan provided by Changxin Bank was 50 billion yen. If Changyin recovered the loan at that time, EIE would certainly go bankrupt and the bank would have a large amount of non-performing loans, but the losses should not be too large.
But the problem is that Changyin was still lucky at that time. At the same time, the founder of EIE real estate was the chairman of Tokyo Union Credit Group. Changyin was also worried that the recovery of the loan would offend this big man, so he did not recover the loan as soon as possible.
What's worse is that at that time, Changxin Bank not only did not recover the loan, but also provided more than ten capital investments for this broken ship in the following years, which eventually led to the snowball becoming bigger and heavier.
The reason why EIE's non-performing loan problem has developed to this point is that bank operators turn loans into favors and transactions.
Why are there so many real estate under Akamoto’s name?
There are more than a dozen residences in Tokyo villas inherited by Miyashita Kita alone. These real estates are basically sold at a low price by EIE real estate or even given out directly.
Compared with the three direct affiliated companies of Changyin, the problem of EIE real estate is nothing, because these three non-financial direct affiliated companies affiliated to Changyin have exceeded one trillion yen for non-performing assets alone, which is equivalent to tens of billions of dollars.
If the problem of EIE real estate involves corruption within Changyin and a series of external relations, then the problems involved in the three directly affiliated companies are even more complicated, because they are related to agricultural and forestry financial institutions, hundreds of small and medium-sized banks and securities companies.
The drizzle outside the window, and the dry branches seemed to be emitting a little new green on the bare cherry blossom trees.
Outside the wet courtyard gate, several cars slowly parked on the side of the road. Then, a few middle-aged people got off their cars and walked towards the villa courtyard gate in the rain.
The cigarette roll in my hand is about to burn out, and the burning fingers of the cigarette butt hurt slightly
Miyashita Kita took his eyes off the window, walked to the desk, and snatched the cigarette butt in his hand in the ashtray, then walked to the chair behind the table and sat down.
At this time, on the desktop of this huge desk, there were a few newspapers and a document made of hard colored paper. The documents were very thick. From the open pages, there was a series of charts and data.
This exquisitely produced document is the financial report taken out by Changxin Bank. If the data above is credible, the current operating conditions of the bank are obviously very good: last year's annual net profit was US$4.1 billion, bad debt was US$22.9 billion, and capital adequacy ratio was 9.22%.
No matter what the point is, this data is very healthy
But, in fact?
In fact, despite pressure from the central bank, Changxin Bank used last year's profit to write off some of its bad debts, by the end of last month, the total amount of bad debts of banks was still as high as US$78.4 billion.
It must be emphasized that this data was shown to the central bank by Changxin Bank, and the central bank is not so easy to cheat. They believe that Changxin Bank's bad debts and problematic loans should be close to US$40 billion.
However, there is one thing that the central bank recognizes, that is, the problem of long-term silver, which is mainly concentrated on the plunge in real estate prices. As long as the real estate industry emerges from the current downturn, the problem of long-term silver can also be solved as the trend
Based on this, officials from the Central Bank and the Tatsuma Banking Bureau are optimistic that if Changyin can continue to survive, it will only be a matter of time before the end of the trouble. In other words, the best way to solve the Changyin problem now is to drag it down.
The reason for such predictions is actually not that the officials are blindly optimistic, but that they have no other choice. If the real estate industry, which has been trapped in too much capital, will go bankrupt, not just one long silver, but the entire Japanese financial system.
The difficulty in returning to financial problems, coupled with the lack of courage of politicians, has led to the victory of Changyin in this round of negotiations.
After a week of negotiations and competition, the mutual bank, which is supported by the central bank, finally made concessions. They determined that they would inject $1.8 billion into long-term credit banks in the form of purchasing preferred shares to help long-term credit banks through the current difficult period.
This is a concession made by the Japanese government to Changjin, and it is also a concession made by the political community to the financial community. It is reported that the province of Taoism is still considering another measure, which is to take out a huge amount of public funds and set up a financial security fund to support troubled financial institutions.
If this measure can be finally implemented, then the entire Japanese financial community will probably cheer for it
The sound of footsteps came from outside the study room, and soon, a bodyguard appeared at the door: Master, the guest you made an appointment has arrived.
Invite them in, Miyashita Kita nodded, closed the financial report on the table in front of him, threw it aside, and said
The bodyguard turned sideways and made a gesture to invite him. Then, five middle-aged men came in one after another.
Miyashita Kita stood up, bowed to the five middle-aged people who came in, and said: I'm so rude to ask you all over here.
The five middle-aged men didn't say anything, but just bowed slightly and returned a greeting.
Please sit down, Miyashita Kita pointed to the sofa opposite and said, "Drink tea or coffee?"
The five middle-aged men were not polite, so they each found a place to sit down. Four of them asked for tea, and only one of them had a thin body and gray hair. They asked for coffee.
Don’t Senior Akiyama like to drink tea? Miyashita Kita looked at the thin middle-aged man and said with a smile, “Don’t worry, the tea here is still very good.”
He called this middle-aged man a senior because the other party had a high qualification within Changxin Bank. He and Akamoto were of the same generation. As one of the three directors of Changxin Bank, he had been in the bank for many years. He was once the most powerful competitor of Akamoto, the supervisor.
However, when Miyashita Kita caught Toshiki Iguchi, he helped Akamoto get very important evidence, which eventually led to the person having to make concessions, thus losing a lot of voice within Changxin Bank.
That's right, this person is Akiyama Ki Nobuki, one of the three current directors of Changxin Bank. He is also Kasuke Sanada's enemy. That woman never gave up on her revenge.
Miyashita Kita promised Sanada Kasuke that he would help her revenge and kill Akiyama Kishita. However, the promise to women is never the most important thing. If it is not in line with his own interests, Miyashita Kita would not take action rashly.
Since Akamoto's death, Ki Nobu Akiyama has always been very honest. He did not reach out to the bank and was very honest. Therefore, Kido Miyashita did not think about finding fault with the other party. He always believed that it was not a bad thing to leave one or two opponents on the broken ship of the Nagashima Bank. At least when someone needed to take the blame, he would not be able to find someone.
Akamoto came to us, there should be something important to discuss? Akiyama Kishi said with a smile, I didn’t have a good rest last night, and now I can refresh myself by drinking a cup of coffee.
Miyashita Kita nodded with a smile, sending the bodyguard standing at the door to prepare tea and coffee
The five people he found today are all senior officials of Changxin Bank, which is the so-called service personnel. In addition to the director of Akiyama Ki Nobuki, the remaining four are bank director Akiki Kanda, deliberation committee members Hiroshi Nakai, Mitsuhei Kanda, and Kurimoto Kurama.
In addition to the chairman and chairman of Changxin Bank, the service staff of Onoki, there are three vice presidents, seven deliberation committee members, three supervisors, three directors and seven participating people. These people constitute the core decision-making level of the entire Changxin Bank.
Among these people, in addition to Miyashita Kita, there are two other supervisors and a vice president, plus the director of Akiyama Kita, who is a director.
As chairman and president, Ono Kiru is not a shareholder, but as the former director of the Financial Management Bureau of the Province of Tibet, he represents the position of the central bank and the Banking Bureau of Tibet, so he has a stable position and holds great power to speak.
Under Onoki, including Miyashita Kita, almost every senior management has its own power and has its own sphere of authority. There is cooperation and struggle between them. There is no difference between them and other enterprises and institutions.
There is no question of important things. Miyashita Kita sat back on the chair, took a cigarette casually, and said while gently knocking on the table, saying, "I'll invite you guys to come here today, just want to ask about the three companies, including the rental company, NIE and Landico."
After his words, Akiyama Ki Nobu's eyes changed immediately. He sat upright, folded his hands in front of him and asked: Akamoto, we have made a detailed report on the specific situation of these three companies at the previous shareholder meeting. If you have any information, you can go to Chairman Ono to inquire
For Changxin Bank, it is taboo to have three direct subsidiaries and one loan customer now. The three companies mentioned by Miyashita Kita are those three direct subsidiaries. As for which loan customer, it is EIE real estate
EIE Real Estate has mentioned before, it is a large company that operates real estate projects. Before the real estate bubble burst, it was a company that was favored by all because the real estate it invested in was mainly luxurious hotels, golf courses and tourism resort facilities. It was not only limited to Japan, but also had a lot of investment overseas.
However, with the bursting of the real estate bubble, the profits of Japan's domestic tourism industry plummeted, and coupled with the depreciation of real estate, the company began to struggle.
In 1992, the losses of EIE real estate reached tens of billions of yen, while the loan provided by Changxin Bank was 50 billion yen. If Changyin recovered the loan at that time, EIE would certainly go bankrupt and the bank would have a large amount of non-performing loans, but the losses should not be too large.
But the problem is that Changyin was still lucky at that time. At the same time, the founder of EIE real estate was the chairman of Tokyo Union Credit Group. Changyin was also worried that the recovery of the loan would offend this big man, so he did not recover the loan as soon as possible.
What's worse is that at that time, Changxin Bank not only did not recover the loan, but also provided more than ten capital investments for this broken ship in the following years, which eventually led to the snowball becoming bigger and heavier.
The reason why EIE's non-performing loan problem has developed to this point is that bank operators turn loans into favors and transactions.
Why are there so many real estate under Akamoto’s name?
There are more than a dozen residences in Tokyo villas inherited by Miyashita Kita alone. These real estates are basically sold at a low price by EIE real estate or even given out directly.
Compared with the three direct affiliated companies of Changyin, the problem of EIE real estate is nothing, because these three non-financial direct affiliated companies affiliated to Changyin have exceeded one trillion yen for non-performing assets alone, which is equivalent to tens of billions of dollars.
If the problem of EIE real estate involves corruption within Changyin and a series of external relations, then the problems involved in the three directly affiliated companies are even more complicated, because they are related to agricultural and forestry financial institutions, hundreds of small and medium-sized banks and securities companies.
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