The sun is at noon.

The sun is already shining on my butt.

Nagano Nao got up, washed up quickly, and walked to the restaurant.

A hearty breakfast is ready.

Ginseng, longan and wolfberry porridge, served with a fruit plate, delicious salted egg sushi and dried fish.

After working hard for half a day, I was already starving. I ate it all in one gulp and soon felt full of energy for another day.

But eating and eating.

Nagano Naoio thought of a problem and forgot to move the chopsticks in his hand, obviously distracted.

The sun is at noon.

"Nagano-kun, are you okay? Is it because your breakfast is not to your taste?" Mrs. Yamaguchi asked cautiously. It was her first time learning to make this kind of medicinal food with Nagano Kanako, and she was still very nervous.

Nagano Nao showed a serious look: "It's not because of this, it just suddenly occurred to me that Mieko, you seem to have a talent for being a boss lady."

"What?"

“In a market economy, workers work hard to bring benefits to capitalists, and it is only natural for capitalists to pay workers.

Life expectancy is often directly related to labor intensity. The higher the labor intensity, the more damage to health and the more life is overdrawn. Therefore, people who generally engage in high-intensity physical work have a short average life expectancy.

Therefore, when companies disband or relocate, they provide compensation because employees have dedicated their entire lives to the company, not only their labor but also their lives.”

“.”

Mrs. Yamaguchi was confused by the incoherent words: "It seems to be true, but it has nothing to do with the boss lady's talent!"

"Mieko, you've become more and more beautiful recently. Is it because of my hard work?"

“.”

“This is the benefit of value creation from productive labor.”

“.”

"From the perspective of traditional Chinese medicine, this kind of thing is also a huge drain on your life."

“.”

"But after doing such hard work and being charged hundreds of millions, Mieko-ni made such a nutritious breakfast for me to recover. Isn't it because she wanted to squeeze out the value of my labor better?"

“.”

"So if you put it that way, you women can really make even the capitalists cry."

Mrs. Yamaguchi was stunned. When she realized what was happening, she was both laughing and angry. She waved her fist and hit him: "How shameful! Don't say such shameful things."

"Then you said I'm more powerful than the sun?"

"Please stop talking, it's embarrassing."

“.”

The two of them started arguing.

After doing her daily health exercises, Kanako Nagano greeted them and sat down to have breakfast together.

Although I can forget all trivial matters when I am happy, I start to worry when I think about how much money is missing from my account and I am threatened not to get it back.

"Straight man, how come Mujin Credit Union is such a big bank with so many people depositing money there, suddenly it's out of money?"

How come you have no money?

This is a very interesting question.

Passing by Sagara County.

The streets were still bustling as usual, with cars coming and going, and men and women dressed in gorgeous and fashionable clothes, seemingly unaffected by recent events.

But I didn't pay attention to it before, but now looking back, many things could have been foreseen.

Sagaku County covers three towns and nineteen villages.

There are hundreds of thousands of households in total.

But on both sides of the streets and in every village, you can see newly built single-family buildings everywhere.

These houses are deserted, with almost no signs of habitation. Some of them don’t even have decorated exterior walls, with bare wooden boards left there, and it’s obvious that the project has been left unfinished.

The names of some village and town real estate companies in Kizu Town can also be seen on the surrounding construction signs.

That's right.

Japan is indeed vast and sparsely populated.

However, all the villages and towns have set up real estate companies, and real estate development to this extent is obviously over-development. Even without the central bank's policy, a collapse is only a matter of time.

All the credit union funds were invested in these useless properties, which also involved various complicated loans, and a project worth 100 million yuan could cost 1 billion or 2 billion yuan.

Not to mention 7 megabytes, even 700 megabytes wouldn't be enough! What a pity.

In the end, those depositors are unlucky! Kyoto.

Japanese Life Insurance.

Men and women in formal attire entered the building one by one.

Shimizu Terugao knocked on the president's office door, handed over the accounts of Xiangle Mutual Finance, and repeated the results of the investigation.

He took the accounts and investigation reports and flipped through them.

As Nao Nagano had expected, a large portion of the funds of the Kizu Credit Union flowed into residential financial institutions, part of which was mortgage loans, and some were mortgage loans to real estate companies with incomplete qualifications.

These funds flowed out through various banks and changed hands countless times, making it impossible to trace them.

money.

That’s all.

As for where the funds went, Shimizu didn't say and Nagano Nao didn't ask.

In this kind of situation, both parties know the truth, but it is better to pretend to be ignorant.

But it's embarrassing for your family to be threatened!

A dignified heir to the noble family, a core cadre of the Sanhe Group, and the real power leader of the Daiichi Honseiho Group, a woman was threatened by a group of low-class people. If people knew about this, she should just commit suicide by disembowelment.

But if people knew that he even let his stepmother go, his reputation as a gentleman would be ruined!

After Qingshui left.

Nagano Nao picked up the phone.

"He-chan, it's me! What are you busy with!?"

"I'm following up on Ito Man's story. Violent Dragon, you're calling me so affectionately, so you must need some help, right?"

"What a clever little goblin. This is what happened to the Mujin Credit Union. You should know about it. These guys actually sent people to threaten those unfortunate depositors. This is really too much."

"Isn't the Mujin Credit Union a shadow company of Japan Life Insurance? How could such a thing happen without your permission, Violent Dragon?"

Bang! Nagano Nao wanted to give himself a big slap in the face.

you do not say!

If he hadn't acquiesced to Asajima's attempt to cover up the matter, his family would never have been threatened.

But it would be too embarrassing to say that he was a referee and gave a red card to a fan at home.

Pass the buck!

You have to pass the buck.

"Not really. There was a guy who was parachuted in from the Ministry of Finance. I couldn't say anything directly, so."

"Oh. I understand. Then please wait and see, Violent Dragon!"

"Then please!"

"Just asking is not enough."

"So what do you want?"

"Well, come with me to Niujiu next time. I gave those cockroaches so much hope last time. I wonder if they are desperate enough now!"

"no problem!"

Hang up the phone.

Nagano Nao smiled and picked up a cigarette from the table.

"Since it's already a mess, why not let the fire burn even more vigorously?"

That day.

Kobe TV suddenly reported news related to Kizu Credit Union.

We also interviewed some depositors, some of whom were angry and told us that they were threatened by the Yakuza and were not allowed to ask for their deposits.

The negative impact of this news being exposed can be imagined.

The crowd was outraged, and with the anger of the little leeks all over the world, they raised soul-searching questions.

"It's outrageous that you can't withdraw your savings!"

"No way! Even your own savings are not yours. Apart from illness and debt, what else belongs to you?"

"If you can't trust banks, what else can you trust?"

"The Mujin Credit Union is the second largest credit union in the country. How could something like this happen?"

"Idiot, those people just bought the financial products from Mujin Credit Union. What does it have to do with the bank?"

"Doesn't your conscience hurt when you say this?"

"Have you heard that many depositors of the Mujin Credit Union have been threatened by gangsters?"

"No way! How could such a thing happen in our country!"

"It's true. A customer was threatened because he had over 100 million in deposits at the Mujin Credit Union."

"What's so strange about this? The police called me yesterday and warned me not to spread rumors, but I'm clearly not allowed to withdraw my deposits at the Mujin Credit Union!"

“.”

Due to the exposure of the news, the problem of depositors of Mujin Credit Union being denied withdrawals continued to ferment, and public opinion and anger grew.

Coupled with the almost daily incidents of violence and shootings, many people suddenly realized that the country seemed to have become different.

"In just one month, four Sumitomo officials were shot dead. What is wrong with this world?"

"Those cadres are not good people. They can die if they want, but we girls were molested and killed just for having a barbecue. This world is too scary!"

"With so many terrible things happening, what are those idiots in the Metropolitan Police Department doing?"

"What else can you do? Didn't you bow and apologize yesterday?"

"Can we just bow and pretend it didn't happen? Don't these parasites have any sense of responsibility?"

“If you have a sense of responsibility, can you still be called a parasite?”

"Hey! How come the public security has suddenly become so bad? Yesterday, Italian newspapers were all mocking us, saying that Japan is a country dominated by the Yakuza!"

"How ridiculous! A crow laughs at a pig's blackness? They should just take care of their own mafia first!"

Various news continue to ferment.

While people are discussing this, they are also filled with dissatisfaction and anger towards society.

But what’s interesting is that the shooting of the Sumitomo executives was applauded everywhere, while the incident between the Mujin Credit Union and the Yakuza at the Maple Bridge Moonlight BBQ restaurant was met with only voices of doubt and curses.

Obviously.

The head follows the butt, and Sumitomo lost miserably in terms of its stance.

certainly.

A bar in Sanchome.

A group of people gathered together and drank.

Talking about the recent deteriorating public security situation, someone sighed and said, "It is true that the economic base determines the superstructure!"

"Yes! If it weren't for the stock market crash and the real estate market going bust, how could so many bad things happen?"

"What a naive guy, you don't really think these are the only reasons?" A drunk guy said with a mocking tone, holding a wine glass.

"Is there another reason why Usa-kun said such a thing?"

"You won't understand even if I tell you, but please understand one thing. Any piece of news in our newspaper will be reviewed countless times, otherwise we will be warned or punished by suspension. Just like the news I wrote before, how many manuscripts can be allowed to be published!"

Yusa said this with a lot of sarcasm and self-mockery.

"Japan is a democratic country with freedom of the press, freedom of speech, freedom of entry and exit, and freedom of foreign exchange. But you don't really think so! Only those who work in the news industry know that the so-called freedom is just a performance!

Negative news is never allowed. Even if they knew about the explosion, they would still report it as a pipeline explosion when they released the news!

"And the girl who jumped off a building in Kobe a while ago. She was covered in bruises. She also committed suicide!"

Full of decadence and drinking.

Yusa chattered on and on about the experiences he had encountered over the years.

The upright and cheerful young man in the eyes of his friends, I don’t know when he turned into the melancholy and depressed person he is now.

Because a female councillor in a town was raped by the mayor, she was sentenced to one year and six months in prison because she had brought a bad influence on the reputation of the town and caused bad economic impact.

After learning about this incident, Usa followed the entire process and reported it. As a result, all the manuscripts and reports were banned from publication.

“No way!”

“Is this society so dark?”

"That's why I say you guys are so childish and cute. This is just one town, not to mention that the news has such a bad impact. If it weren't for the permission to publish, do you think you would be able to see this news?"

"Ah! Then why were these news allowed to be published?"

"Of course it's because you need to see it! Can't you see by now that the major financial groups have already started a life-and-death duel?"

“.”

I have to say.

People who can work in the media industry can see through many things through the fog.

Since the central bank banned real estate leverage, the Ito Man incident broke out, and the Onoue Hajime incident broke out, things have become increasingly out of control.

By now, Sumitomo, Kangyo Bank, Sanwa, Kogyo, and Fuji have all been eliminated, and the incident of Kizu Credit Union has involved Sumitomo Financial Group. The scope of this fight has spread to the entire financial group and upper-level institutions in Japan.

But not everyone is so pessimistic about the long-standing sense of national pride.

"The depositors were warned by the police and threatened by the Yakuza and were not allowed to go out. This kind of thing must have happened because some bastards were bribed."

"If something like this happens, the Ministry of Finance will definitely take action!"

"These bastards, the Ministry of Finance will definitely deal with them severely!"

“.”

The decades after the war.

The Ministry of Finance's 'non-escort fleet' has built this country from the ruins and made it the world's leading economic power.

Whether it is the rise of Toyota Manufacturing, the merger of Toshiba, or the rise of all companies including Sony and Panasonic, they are all inseparable from this non-escort fleet - macro-financial regulation policy.

Buy the United States, sweep the world, and become the world's No. 1 economy and No. 1 per capita income.

The Yamato people are the most outstanding nation, and their myth cannot be broken. This sentiment fills the hearts of most people.

Not all bureaucrats are as accommodating toward the businesses they oversee, or as easily oppressed by the LDP, as officials from the Construction and Agriculture and Forestry ministries.

The Ministry of Finance and the Ministry of International Trade and Industry were considered more "responsible" and enjoyed higher prestige.

In this country where the conglomerate is at the core and the conglomerate is centered around financial institutions, it is difficult for outsiders to understand the lofty status of the financial sector in this society.

The reason why the financial sector has the supreme status in Japan is because of the existence of the Ministry of Finance.

As the top power institution in the political arena, the Ministry of Finance, in addition to macro-control and financial policies, also has the informal job of protecting the system, that is, preventing the informal relationships in the huge pyramid of personal connections from crossing the line and preventing the abuse of power in the political arena.

If officials from other provinces appear to be too accommodating to the interest groups they support or too easily influenced by politicians, their shares will be cut when they discuss the national budget with Finance Ministry officials.

To get favorable treatment on special requests or new projects, the department must have an overall good reputation with the Ministry of Finance, and a basic requirement for gaining a good reputation is to give real figures.

In the general public's impression.

The staff of the Ministry of Finance are all full of the spirit of kendo struggle and integrity like Ryutaro Hashimoto.

The ideal civil servant who is fair, selfless, hard-working, self-sacrificing, and has only the public interest in mind.

As a common joke goes, the children of officials in the Ministry of Finance's Budget Bureau are born in the winter months - because they hardly see their wives for most of the year.

The ridiculously high divorce rate among Ministry of Finance officials in recent decades reflects this fact.

And at this moment.

As people expected.

Regarding the matter of Kizu Credit Union, the Small and Medium-sized Finance Division of the Banking Bureau of the Ministry of Finance, the Credit Institutions Bureau of the Bank of Japan, and the Deposit Insurance Corporation held a regular coordination meeting.

“This is the current problem of Mujin Credit Union.”

"Non-performing assets and bad debts have dried up liquidity. If we want to save them, I'm afraid we'll need to use a lot of money."

“.”

Represents third-party deposit insurers.

Nao Nagano recounted the affairs of the Kizu Credit Union as usual.

As a subsidiary of Japan Life Insurance, it is very interesting that Japan Life Insurance itself is a third-party deposit insurance institution.

But what’s even more interesting is that this matter involves Zhuzhuan.

However, the expressions of the people in the various departments and offices did not change much, except for the director of the bank's credit department, Honma Tadayo, who showed a hint of shock in his eyes.

Because the Bank of Japan carried out a large-scale institutional reform in May last year, an important part of the reform was the establishment of the Credit Institutions Bureau.

The Credit Institutions Bureau is responsible for policy planning functions related to the stability of the financial system. It has a Credit Institutions Department and a Payment and Clearing Department. The former is responsible for financial regulatory supervision and what is called macro-prudential policy today, and the latter is responsible for formulating relevant policies for the payment and clearing system.

This is how Tadayo Homma, the president of Aozora Bank, became the first director.

In June 1990, just after the establishment of the Credit Institutions Bureau, Governor Yasushi Mieno called him to the governor's office and instructed him to formulate the central bank's response strategy to prevent possible financial institution bankruptcy crises.

But at that time, stock prices were rebounding, land prices were still rising, and the economy was still in the stage of bubble expansion.

Therefore, Honma was unable to know exactly what considerations Mieno Yasushi had in mind when making this arrangement.

There were all kinds of speculations and too many things happening recently. Looking at the young face opposite him, many thoughts flashed through Honma's mind.

"When something like this happens, what good suggestions do you have, Nagano-kun?"

"Japan Life Insurance has an unshirkable responsibility for systemic supervision. I am willing to lead the investigation team to investigate this matter."

“.”

The upright face is filled with determination for justice.

But when these words fell into the ears of several directors of the Ministry of Finance, they all criticized them as mothers.

reason?

The establishment of the Housing and Urban-Rural Development Zone in the 1980s is closely related to one person, Kakuei Tanaka, who was hailed as the strongest civilian prime minister.

The pie of national resources is divided in an almost predetermined way that requires regular spending by LDP clients and conglomerates such as Mitsui and Sumitomo to ensure political peace.

The rigidity of this routine operation within the system means that deficit spending is a constant nightmare for officials at the Ministry of Finance.

Officials at the Ministry of Finance are, without exception, known as “fiscal conservatives”; and there are good reasons for their “conservatism.”

Because once a trend is started in Japan, it is difficult to stop, let alone reverse it.

The informal relationships that make the political economy work cannot convince its key players to give up immediate benefits.

Any important provisions to limit deviant behavior will not be recognized, and appeals to national interests will be of no avail.

However, since Tanaka took office, he forcefully eroded the power of the Ministry of Finance and even set up a personnel exchange system in the Central Bank, which led to the Ministry of Finance being parachuted in and sidelined. The Central Bank's rebellious intention intensified and even laid a huge opportunity for the Central Bank to break away from the supervision of the Ministry of Finance today.

The "Breaking the Fiscal Deadlock" movement is an effort to build the Ministry of Finance's Budget Bureau into the strongest political entity.

Because each province usually has a major rival in the other provinces.

For the Construction Ministry, that's the Transport Ministry, which has jurisdictional claims over roads and wants a cut of gasoline taxes.

For the Ministry of Finance, its biggest rival is the Ministry of Posts and Telecommunications.

The Postal Ministry operates the Postal Savings System, the world's largest financial institution and the strongest and largest savings bank, giving the Postal Savings System the power to set higher interest rates.

The Postal Ministry also turned a blind eye to the practice of opening multiple savings accounts under false names to evade taxes, which gained it influence, but also caused heavy losses to the Taxation Bureau, the core of the Ministry of Finance.

What's worse, the Ministry of Posts and Telecommunications and the Central Bank colluded to resist the Ministry of Finance's parachuting.

Therefore, the Ministry of Finance's hatred for the Ministry of Posts and Telecommunications was deep-rooted. It was in this context that the Housing Bureau came into being. The Director of the Secretariat of the Ministry of Finance would arrange more than 20 senior positions for retired officials every year.

Now, the liquidity of Kizu Credit Union has been exhausted, and the blame is directed at Zhuzhuan. However, Nagano Nao looks guilty and says that he is willing to take the lead in a thorough investigation.

Are you investigating yourself? ! "Please don't blame yourself, Nagano-kun. When it comes to responsibility, the Financial Bureau has the unshirkable responsibility for this matter."

"Hey, Mr. Kuroishi, there's no need to defend Nagano. Nagano will not shirk his responsibility for personnel management when something like this happens in a subsidiary."

"Nagano-kun's sense of responsibility is admirable, but you have only been in charge of the Kansai branch for a short time, so... Tsuchiya should bear all the responsibility."

The scene was very strange.

Everyone seemed to have a strong sense of responsibility and was eager to take the blame.

However, several directors of the Ministry of Finance exchanged glances with disdain.

This kid is really as shameless as the rumors say!

He is worthy of being the monster bastard killed by the Nakamura family!

Earn it and fight for it.

at last.

Dozens of buses drove into Kyoto in a mighty procession.

A team consisting of several hundred people from the Bank Planning Bureau, Credit Institutions Bureau, Business Bureau, and Auditing Bureau, wearing uniform black suits, black ties, and black leather bags, moved into the Mujin Credit Union.

The huge crowd caused a lot of discussion among the people and reporters who witnessed it.

Countless people are looking forward to it.

With so many people sent from various departments of the Ministry of Finance, those parasites hiding under the bark will definitely be severely punished!

really.

The Ministry of Finance lived up to expectations.

The joint investigation department quickly discovered the problems of Mujin Credit Union.

"During his tenure as president of the Kizu Credit Union, Chiichi Tani transferred a large amount of illegal assets through illegal money laundering."

"He also colluded with the mayor of Kizu Town, Minami Hanegen, and has long cooperated with gangs to collect illegal money."

"As early as 1980, Gu Teng Qianyi had already immigrated to Brazil."

“.”

Asahi Shimbun.

"The president of Mujin Credit Union, Chiichi Tani, has fled for fear of crime. The Immigration Bureau has contacted the Brazilian police."

“.”

(End of this chapter)