Chapter 37

The spotless Mercedes-Benz car slowly drove through the A8 exit of Chiyoda Station. Inside the car, Miyashita Kita sat quietly in the back seat, looking at the square building on the road through the window.

This is the famous Kasuno-gu, Tokyo. Almost all the central and provincial departments in Japan are located in this place. Now, the building seen by Miyashita Kita is the Japanese Ministry of Foreign Affairs, and the very beautiful red brick structure building is the Japanese Ministry of Justice.

The Ministry of Justice’s building was blown up by the US military during World War II, leaving only a red brick wall. The current building was rebuilt after the war.

From the Ministry of Foreign Affairs to the north, across a highway, the buildings that are clustered across the opposite side belong to the Ministry of Land, Infrastructure, Transport, Coast Security Department, Ministry of Internal Affairs, Police Department, Police Department, and Police Department.

The Ministry of Foreign Affairs heads south, also across a highway, which is the destination of Miyagishikibuki today, the location of the Tripitaka Province.

The one who was responsible for driving for Miyashigeki today was not Kasuke Sanada, but his new secretary, Hitoki Kitano. This young man who was a little more handsome than Takuya Kimura, had been waiting outside his apartment at Miyashigeki from 6 am until 8 o'clock in the morning to go out.

Kitano Hitoki is a top student in the Department of Accounting and Finance at the University of Tokyo. He is a cadre. He is a sensational figure in the school during college. He doesn’t know how many girls he slept with. He is a dashing figure who is very good at attracting bees and butterflies, but is good at not getting stuck in the body.

Graduated from Tokyo University six years ago, I went directly to Changxin Bank's store, and then my hard-working career life began.

The young man is very capable and hardworking. He can get started with everything quickly and is absolutely beautiful. In just two years, he was promoted from an ordinary employee to a supervisory board officer, and then he went to Akamoto's hands.

The ugly and fat Mr. Akamoto hates him the most, so he lets Kitano Hitoki be outstanding in his ability, good at dancing, and be good at playing horses, but Akamoto doesn't value him.

In four years, Akamoto transferred him from here to there, from there to here, and only allowed him to work in every position for half a year. If he is familiar with his face, he will get out of here.

How much can Akamoto do things too much?

A head teacher who was optimistic about Kitano In-Kenyan wrote a reward application for him. Akamoto called the head teacher and Kitano In-Kenyan and asked the head teacher to make a choice on the spot: either take the reward application he wrote himself, or give up the seat of the head teacher and leave it to Kitano In-Kenyan to take a seat.

With this experience, all the heads, directors, and ministers, no longer dared to express their affection for Kitano Hitokishi. He was like a plague, and everyone was away from him.

Miyashita Kita didn't know what Akamoto was thinking, so he sent him a person he didn't like. Did he hope he would kill this little guy?

Mercedes-Benz slowly drove to the main building in Tai Zang Province. On both sides of this square six-story building were specially reserved for parking lots.

Kitano Hitoki found a parking space to park the car, then quickly got out of the car, stepped onto the rear door in two steps, pulled the door open for Miyashiki Kitan, and specially reached out to block his head to prevent him from hitting his head.

When Miyagiki got out of the car, he quickly took the briefcase with both hands and followed behind.

This is the first time that Miyashita Kita has come to the province of Tripitaka. Today's purpose is to report and meet with leaders like the head of the department.

Just as the two of them stepped up the stairs in front of the main building, two middle-aged men in suits walked out from the huge arch above the stairs.

Miyashita, Kitano Hitokira caught up and whispered behind Miyashita Kita, the two in front, wearing gray suits are the president of Nishita Mutual Insurance Company, Matsuoka Nansao, and the black suit is Gao Xiuxin, the president of the Water Resources Development Group.

Miyashita Kita turned his head and looked at him, then nodded, and at the same time, he kept looking at the two people walking down.

When the two sides were four or five steps away, Miyashita Kita stopped, bowed deeply to the two, and greeted: Mr. Gao Xiu, Mr. Matsuoka, I am Miyashita Kita from the 2nd Department of Loan and Lease Business of Financial Securities Industry Co., Ltd., and I will meet for the first time. Please take care of me!

At first, facing his salute, Gao Xiu and Matsuoka nodded slightly, and their steps did not stop. When Miyashita Kita finished introducing himself, they had already walked to the steps below him, but stopped at the same time, turned their heads and looked at him.

Are you the new chief of the 2nd Division? Gao Xiuxiuxin asked first

Guyashigaki straightened up, walked back two steps, still standing on the stairs below them, bowing and saying: Yes, I am Guyashigaki

Haha, Miyashita kun is really young, Matsuoka Nansao smiled and stretched out his hand, saying, I'm very happy to see you, you...

Seeing that he reached out, Miyashita Kita reached out and reached out his hand first. Unexpectedly, Gao Xiuxin, who was on the side, stepped forward, blocked Matsuoka Nanzuo, and held his hand.

Oh, Miyashita, you finally came. In front of Matsuoka Nanzuo, Gao Xiuxin took Miyashita's hand and said with a smile, "Are you here to report today?" It's really a coincidence that Chief Mida went to Osaka, and you may not be able to see him like this. I'll go to see Mr. Toda with you first and handle the job.

Mr. Toda refers to Masahoshi Toda, the director of the Banking Bureau of the Otagita Province. This guy is a very authoritative person. He arrested the personnel affairs of the Banking Bureau very much, which almost improvised the personnel department.

So, Miyashita Kita came here to report, and it was not wrong to find the head of the section chief and just look for him.

However, what made Miyashita Kita feel puzzled was that Mr. Gao Xiu was really too enthusiastic, right?

After all, he is also Ah, the president of the Water Resources Development Group. This is Ah, the head of a special corporate enterprise under the Environmental Protection Bureau. His status with him is completely unequal, okay?

Guyuki was suspicious, but Gao Xiuxiuxin didn't care about so much. He grabbed Guyuki's hand and pulled him up the steps, complaining to him while walking.

Walking all the way into the office building of Tazo Province, from the first floor to the fourth floor of the banking bureau, I realized that there was no elevator in the office building of Tazo Province, and I had to climb up the stairs with both legs.

As we walked through the way, Miyashita Kita also understood why Gao Xiuxin saw that he was so enthusiastic.

Although Financial Securities Industry Co., Ltd. is a special legal entity under the Banking Bureau of the Tatsuzo Province, it has some important functions, such as loan and borrowing business courses, which specializes in conducting qualification research on lending users of banks and securities companies.

Generally speaking, those lending companies that already have loans need to issue a similar risk assessment report to them by the loan and lending business class before continuing to carry out financing activities. Only when the assessment is qualified and the data is below the risk line, can state-owned banks managed by the banking bureau provide them with loan financing again.

This thing is very important. If not, the Bank of Japan's regular inspections will find out the problem, and everyone will be in trouble.

Under the loan and borrowing business course, there are two departments. The current department head of the 2nd series is Miyashita Kita, and the first department head of the 1st series is Muratsushita Shunri

The appointment of Miyashita Kita was made two days ago, and Muratsuki, who is 58 years old this year, has now been temporarily transferred to Hyogo Bank to do business, so the loan and borrowing business course is equivalent to the entire operation being stopped.

Why does such an unreliable thing happen? The reason for everything starts with the trouble of Hyogo Bank

Hyogo Bank is the second largest local bank in Japan. Just two months ago, the bank exposed a vicious problem of capital exhaustion. The final investigation result provided by the central bank was that the bad debt caused by bad investment and financing had already reached the point of bankruptcy liquidation. If it still wants to continue to survive and maintain basic normal operation, it will need to raise at least 6 trillion yen of huge funds.

Although Hyogo Bank is a local bank, the province of Taoism, construction, and even the entire Japanese political circle cannot see it going bankrupt now, because it will bring about a complete disaster.

During the ten years of the bubble economy, Hyogo Bank has undertaken a large number of real estate mortgage loan businesses, and most of its current non-performing investment and financing are generated from this.

In that decade, under the leadership of the Ministry of Tripitaka, Sumitomo Bank, Industrial Bank of Japan, Japan Long-term Credit Bank, and Japan Bond Credit Bank jointly invested with a large number of banks and small and medium-sized financial institutions to establish seven residential professional financial companies, which is the so-called seven residential specialized companies.

These specialized financial companies specialize in taking care of the business of customers who do not have enough loan conditions in banks, allowing these people to use real estate as collateral and issue loans to them. At the craziest time, the upper limit of loan collateral can be as high as 80%

That is, a house with a market price of 1 million yen. The homeowner can get a loan of 800,000 yen if he uses it to live in a special financial company.

When the bubble economy was not bursting, there was not much problem with such mortgages, but after the bubble burst, disaster came. As real estate prices plummeted, lenders could not pay back these loans, and the collateral could not be auctioned off. So a large number of loans became bad debts and could not be collected.

In the past, the house with a market price of 1 million yuan is now no one wants 500,000 yuan, but the loan given by the CAI was 800,000 yuan. Not to mention that the borrower cannot repay these loans, he will not pay it back even if he pays it back. It is equivalent to selling the house to the bank at a high price.

Just seven residential financial companies have lost as much as 12 trillion yen.

With such a big loss, those big banks can still hold on, but those small and medium-sized financial institutions are finished. This is the problem of Hyogo Bank

The more serious problem is that the province of Tatsuguchi is not afraid to let Hyogo Bank go bankrupt now. The reason is that once Hyogo Bank goes bankrupt, it will directly involve seven residential financial companies, which will then trigger a domino effect, and a tsunami will occur in the entire Japanese finance.