Sannomiya shopping street.
A fruit shop in Changshan.
Several young men were carrying briefcases, wearing suits, and they looked polite and spoke in a consultative tone.
It was just the enthusiastic care from the Yakuza freelancers. Even if they needed money urgently, they wouldn't dare to go to the bank! Nagano Kanako dared to be angry but didn't dare to speak out.
Her aggrieved little face turned pale, tears welled up in her eyes, but she dared not make any sound.
Then, Mrs. Yamaguchi was warned. The cultural youth who led the group bowed and said politely, "Mrs. Yamaguchi, I heard that your husband is in jail for some reason and is in Kobe No. 3 Detention Center. As a wife, you don't want your husband to be bullied in prison, right?"
"So, ma'am, you must not have any financial needs recently, right?"
What does it have to do with me if you guys bully that bastard!
Women have the most vicious hearts.
An idea popped into Mrs. Yamaguchi's mind.
only.
Should I explain these things to the Yakuza? Faced with such a threat, what else can I do except swallow all the anger and frustration?
Bow +1.
The polite gang member left with his men.
I just looked at the sky and it was already getting late. With so many depositors, how long would I have to take care of them?
But suddenly he remembered that his work was not yet perfect, so he stopped and expressed new concern to the two proprietresses of Changshan's family.
"By the way, two boss ladies! I heard that traffic accidents happen frequently recently. For your safety, please try not to go out recently."
Fully fulfilled social responsibilities.
This kind of care seems to have turned it into an excellent society that works with the police station to stabilize social security.
Faced with such a warning, even the customers in the store couldn't stand it anymore.
As soon as the gang members left.
Frequent customers came one after another.
"Madam boss, are you okay?"
"What happened? How did you end up provoking these bastards?"
“.”
"Because I deposited some money at the Mujin Credit Union."
“But now they are not letting depositors access their money.”
"That must be why the bank allowed these bastards to threaten us."
“.”
Mrs. Yamaguchi grimaced and told the story again.
Although Naoto Nagano has a strong network of contacts, since this matter involves the Sumiyoshi Federation, his connections may not be useful.
When the enthusiastic customers heard about this, they cursed angrily: "This is too much! How dare they do such a thing so brazenly? Aren't they afraid of legal sanctions?"
"What a naive guy! You don't really think it's just a gang!"
"Is there any other problem that cannot be told?"
"Of course! No one would be so naive as to think that something like this could be unrelated to those beetles in Kizu Town!"
"Isn't it just a bank matter? What does it have to do with those kneeling people?!"
"I heard that the Kizu Credit Union has no money to give to its depositors because many of its big customers are overdue? And the mayor of Kizu Town, Minamigen Shigeru, is said to be the uncle of the Kizu Credit Union president. How could these beetles that parasitize on the leaves have such a thing as face? In addition to the spirit of craftsmanship, only the Yamato people's kneeling spirit can be used very well."
"Even so, this shouldn't happen! The Mujin Credit Union is one of the largest credit unions in the country. It is said that 19 villages in Sagakure County and more than 100 villages and towns in Kansai have joined. Don't they need qualification review or collateral when lending money?"
"There is nothing new under the sun. Isn't the existence of credit unions due to the fact that the qualification review cannot meet the bank's standards? Besides, mortgages are meant to be loaned out anyway, so why not mortgage them to your relatives and friends? For example, if you have assets worth 1 million yen, you can mortgage them for 10 million yen!"
“.”
I was already feeling upset.
Hearing the customers gossiping, Kanako Nagano felt very disappointed.
She was sold when she was young. When she was in Ginza, she even saw officials from the Ministry of Finance eating hot pot with many Ginza hostesses in just their underwear. She knew what this world was like.
Compared to Mrs. Yamaguchi, she was indeed a little younger. Upon hearing this, she angrily cursed:
“This is too dark!”
"Don't they have any sense?"
The elderly customer sighed, "Isn't it obvious? If you reason with them, they will hire someone to bully you. If you bully them, they will use the law to bully you! So please be more open-minded, boss lady."
“.”
The other side.
Because the amount involved was so huge, Naoto Nagano had to stay in the company and work overtime.
But things are far worse and more complicated than what Shimizu Terugyo reported.
The biggest problem facing Kizumachi Credit Union right now is the lack of cash flow, which has caused problems with short-term deposit repayments. The reason for this is that there are a large number of bad debts on the books.
It doesn’t matter where the money went, so this is actually not too difficult to solve.
Whether it is business operations or financial institution operations, they are all within the scope of the economy, and the quality of the economic situation depends on liquidity.
Money is the blood of business and even more so the blood of banks. The depletion of liquidity caused by bad debts is only a superficial problem. As long as new blood is injected into the circulation, the problem will become simple.
It is common for financial institutions to use leverage in their assets and capital, even if there is only 2 billion yen left on the books.
But with the capabilities of Japan Life Insurance, as long as 10 billion yuan of funds are injected, the Mujin Credit Union will be revitalized through banks and other financial institutions.
But the trouble is that a large portion of Mujin Credit Union’s bad debts are due to customer overdue payments, resulting in large-scale non-performing assets.
Secondly, it is inter-bank lending to housing-specific financial institutions, that is, housing-specific financial institutions.
It is generally believed that banks are at the top of the food chain in Japan. Since World War II, all companies have had no choice but to rely on borrowing from banks rather than issuing stocks publicly to obtain capital.
Banks have been virtually the only source of funding for industry.
They hold large amounts of stock in companies that are part of a corporate group, work closely with each other, and together with a limited number of institutional investors, a group that consists almost exclusively of life insurance companies and trust banks, these hierarchical financial institutions have enormous control power.
The Ministry of Finance guides these banks! The central bank under the Ministry of Finance's Financial Bureau must approve the city banks' borrowing strategies.
Every quarter, metropolitan banks submit plans and receive so-called “window guidance” – the “convoy approach”.
In military tactics, it means that if a ship in a fleet slows down due to an unexpected problem, the other ships will also slow down to ensure that the ship with the problem does not leave the team.
The financial industry has also adopted this approach, using unified administrative intervention to ensure overall relative stability. In more mainstream terms, it is actually "macro-control to prevent systemic risks."
It should be noted that the commercial banking system mainly includes two types: city banks, also known as metropolitan banks.
It has head offices in six major cities including Tokyo and Osaka, and has branches across the country. Its business scope is very broad, and it is a national financial institution.
Among them, many banks, such as Bank of Tokyo-Mitsubishi, Dai-ichi Kangyo Bank, Sumitomo Bank, Yamato Bank, Sanwa Bank, etc., are internationally renowned large commercial banks, ranking within the top 20 largest commercial banks in the world.
The second is local banks.
Generally, they are centered on the location of the head office, and most of them use the location as their bank name. In principle, they only conduct business within the region and are local financial institutions.
There are more than 60 such banks, which are small in scale and mainly provide financing to local small and medium-sized enterprises.
However, the main banks are restricted by various legal constraints, and customers who do not meet the loan conditions and sporadic small loan business are prohibited.
"Juzhun" is the abbreviation of Housing Specialized Finance Company, which is a professional financial institution established with the support of the Ministry of Finance with a bank as its parent body to provide housing loans to individuals and small and medium-sized enterprises.
However, unlike village banks such as Mujin that can attract deposits, Zhuzhuan is only qualified to provide loans and does not have the function of attracting deposits.
so.
Win-win cooperation happens naturally!
A huge dark plot was right before his eyes. Even though he knew that he was a fake devil, he didn't know what to feel.
Moreover, it involves relationships and levels of game in all aspects. Nagano Naoto doesn't know what to say except criticizing his mother.
But one thing is certain, we have to continue to pass the buck on this matter.
Back home.
It's already past two in the morning.
Because they were worried about where their savings were and they were threatened by the Yakuza, not only did Kanako Nagano not rest, but Mrs. Yamaguchi also stayed at the Nagano family, hoping to find a backbone.
Even Nagano Yuki was angry and kept complaining and blaming society along with the two of them.
Nagano Nao opened his eyes wide, unable to believe what he heard.
"Did the Yakuza go to the store to threaten you?"
"Yes! He also said that the security outside is bad recently and the traffic is dangerous. If you don't have anything to do, try not to go out."
"In fact, it was to threaten Kasan and Mrs. Yamaguchi not to ask for money again, and not to file a complaint with the department."
”
“.”
This is simply like watching a game in the stadium. The referee ignored the player who kicked the ball illegally, but gave a red card to the fans who bought tickets! The most fucked up thing is that he is one of the referees.
So, I let a dog loose, and then this dog comes and bites someone in my house???!!
It felt so absurd! But for women, there was only fear and terror.
Nagano Kanako said worriedly: "Straight man, what should I do now?!!!"
"Of course this kind of thing must be exposed. I don't believe that there is no justice in this world!" Yuki Nagano said hatefully, with anger and positive energy overflowing from her eyes.
Mrs. Yamaguchi obviously didn't have such confidence. She said in a tearful voice: "Those bastards can do anything. If we tell others, will it be..."
"Don't worry! I will take care of this matter."
"Will this cause trouble?!"
trouble?
If a dog bites someone, just beat it to death!
"It doesn't matter. I am a cadre of the Japanese Ministry of Life and Death. Do they dare to touch me?"
"But yesterday on the news, the president of Sumitomo Yokohama Bank was shot dead!"
"Please! Can you please have a little confidence in me? Don't you know how powerful I am?"
The double entendre was said in front of Nagano Yuki, and both Mrs. Yamaguchi and Nagano Kanako felt embarrassed.
What’s interesting is that Nagano Yuki thought that Nagano was comforting people, and then said: "Don’t worry, Kasan and Mrs. Yamaguchi, Nagano is very capable, and he will definitely satisfy you soon. Right, Nagano!"
"Of course! If you don't believe it, Kasan and Mrs. Yamaguchi, please wait and see!"
"I'm sorry to bother you so late. I'll leave the rest to you, Nagano-kun."
"Mrs. Yamaguchi, please stay here so late! After all, if the Yakuza are guarding the door, they might..."
"Ah! Isn't this too disturbing!"
"It doesn't matter!"
“.”
That night.
Nothing happened.
But early the next morning, Nagano Yuki got up for work, washed up, and wanted to ask Nagano Nao how to solve the troubles at home, but found that this guy had disappeared.
Think about it, he was busy until midnight last night.
A sense of guilt arises spontaneously.
It turns out that working for men in a company is so hard!
I used to be so willful, which was really wrong.
Hey! Why didn't Kasan make breakfast today?
Come to the kitchen.
Finding the kitchen cold, Nagano Yuki thought Kanako was not feeling well, so she went upstairs.
"Kasan! Why didn't you prepare breakfast today? Are you not feeling well?"
"Oh, I'm sorry! This is because I went to bed too late last night." A strange, intermittent voice came from the room.
Nagano Yuki didn't take it seriously and said with concern: "Then Kasan must have a good rest. I'm going to work."
"Please be safe on the road."
"I know!"
Bang! Lock the door.
Yuki Nagano drove her little Mini car, humming the most popular song of the day, and happily went to work.
But she didn't know that Kanako Nagano and Mrs. Yamaguchi, who had not rested well at night, were lying on top of each other, facing the sun and welcoming the happy time.
Light shines into the room from the mottled woods.
Don't know when.
Nagano Naoio has fallen into a deep sleep.
Kanako Nagano looked at the sky outside and said with satisfaction: "The sun is so bright today, it must be very good weather!"
"But the sun is not as powerful as Nagano-kun!" Mrs. Yamaguchi said with a wicked smile and a charming look.
Kanako Nagano looked confused and said, "What kind of metaphor is this?"
"Because although the sun can shine on many places, there are always many places in this dark world that it cannot shine on. But Nagano-kun can drive away the darkness and bring warmth to the world!"
"Mieko, you are so sweet! Although the straight man said that this matter is easy to solve, there must be a lot of power behind those bastards. It must not be that easy to solve!"
"Ha ha."
"What's so funny about this?"
"Nai-chan, you're so cute. I kind of understand why Nagano-kun likes you so much?"
"What weird things are you talking about? Straight men obviously like you more, Mieko!"
"Haha. Naijiang, you don't really not understand what I just said, do you?"
“.”
(End of this chapter)