The person I just met committed suicide in front of me.

I felt like I was splattered with blood.

Nagano Nao came into the office cursing.

I couldn't help but sigh.

On the table were documents sorted by the secretary.

Nagano Nao picked it up and took a look.

The economy has been in a downturn during this period, and businesses large and small are having trouble operating every day, whether in the banking, securities, construction, lumber mills, decoration companies, and other industries.

Although we don't know the exact operating conditions of these industries, we can imagine how bad they are.

However, the performance of Shengbao is ironic.

Since entering the second half of the year.

Life insurance performance increased by three basis points year-on-year.

The public pension contribution ratio is due to the increase in the public burden rate by the Ministry of Health, Labor and Welfare due to delayed retirement.

According to convention, the pension increase is 5%, but this cut will wipe out all the people aged 55 to 60. With such a large expense cut, the increase is just a drop in the bucket.

So, adding one thing and subtracting one thing, the company made a huge profit in the pension area.

This is the advantage of having many tools.

Therefore, it is very disadvantageous to always let ants die.

However, the proportion of life insurance policies is continuing to increase, and many of them are life insurance policies transferred from banking institutions.

This has to do with the cooperation with Japanese financial institutions.

When a bank issues a loan, it naturally has to make a comprehensive evaluation of the borrower's creditworthiness, credit history, and repayment ability.

A person's past business activities, including loans, purchases on credit, and business operations, are all documented. A credit stain from defaulting on a debt may result in a lifetime of difficulty in obtaining financing.

In addition to credit checks, banks usually require borrowers to provide other valuable properties such as land and real estate as collateral.

If the borrower fails to repay the loan, the bank can, based on the mortgage right, use auction, sale and other means to obtain the price of the mortgaged property, thereby compensating for the loss and controlling the risk.

Japan is different.

Japanese loans often do not require mortgages or credit checks. As long as you have a driver's license, you can borrow money at will.

The formation of such a financial system has a lot to do with culture.

No way! That guy actually owed a debt and didn't pay it back. How could such a shameful guy still have the nerve to live in this world?

so.

In this culture.

Japan has a very unique personal credit risk control system - life insurance.

When buying a house, taking out a large consumer loan, taking out a personal business loan or other large-amount, long-term loans, banks will usually require the borrower to purchase life insurance with the borrower's death as the compensation object.

In this way, if something unexpected happens to the borrower, the insurance compensation can be used to repay the debt.

And on Shengbao's side.

There are no cards in the area of ​​life insurance.

Because according to social values ​​and relevant laws, life is priceless and there is no limit to the amount of compensation.

Just like the Morinaga toxic milk powder incident.

As long as those who were harmed are alive, Morinaga will have to pay compensation indefinitely, until everyone's life ends.

It is also in this case.

Japan has always had a system where debts are not extinguished even after death, and debts can even be repaid at the cost of death. This system has led many borrowers to commit suicide to obtain insurance money in order to leave behind a house, land or factory for their wives and children to live on.

What does it mean to be in pain for the sake of dignity? The Japanese have taken this to the extreme.

Suicide is glorious and being in debt is shameful. Once you see no hope, you will buy an insurance policy and then commit suicide to repay your debts.

It doesn't feel very good.

Don't always want to take care of the wives whose husbands have lost their jobs.

But it’s really here.

It's inevitable that I still feel a little bit reluctant.

Seriously.

It was all because of these scums of ours who were slaughtering them wantonly! Their purpose was to use these ants as tools.

All right!

These are all tools.

But even if it is a dog, as long as it exists, it has value! The most important thing is.

This kind of insurance that encourages suicide is really too much.

It jumps as soon as it is bought, and there is no upper limit on the compensation. If someone comes to buy hundreds of millions and jumps, the company will have to pay the compensation and go bankrupt.

"Afei. Contact Kurosaki-kun."

Kurata Himiri made the call, and after waiting for a response from the other end, Nagano picked up the phone and said, "Kurosaki-kun, it's me, Nagano."

"Hello, Nagano-kun. You're calling me in your busy schedule. It must be something important!"

"Yes! In Japan Life Insurance, the proportion of life insurance has increased significantly compared with the same period last year, and the suicide rate has also increased a lot, so I want to hold a general meeting of the association."

The so-called association.

That is – the Alliance of Life Insurance Associations.

This kind of group organization is a common phenomenon in Japan.

For example, the All-Nong Federation, Keidanren, Cailian, Petroleum Alliance, Chemical Alliance, etc.

The existence of these alliances includes major financial groups and small and medium-sized enterprises. It is difficult to say who has more influence.

Usually, these alliance organizations are composed of directors or vice-directors of major companies who serve as research members and directors of the association.

Nippon Life Insurance is the most powerful life insurance company in Japan. This year, the Kansai headquarters will serve as a member of the association's research group and a director.

Upon hearing this, Kurosaki sighed and said, "The economy is in a downturn. This kind of thing is inevitable. The association has also felt the difficulty. I will notify everyone to come to the meeting immediately."

"Then I'll leave it to Kurosaki-kun."

The time and place of the meeting were finalized.

Nagano Nao hung up the phone.

Call Zhaoye Youwu.

The young assistant minister bowed 90 degrees as he entered the door, showing enough respect.

During this period, the German mark rose by 20 percent in a completely illogical trend.

As a result, Japan's insurance company also earned several hundred million dollars in returns on its mark positions in the spot market.

And the Japanese yen exchange rate.

It was just as Nagano Nao predicted.

Although the central bank has cut interest rates three times in a row, from the benchmark rate of 6.6 to 3.8, the yen remains strong, having risen from 135 to 128.

Therefore, the yield on treasury bonds declined year-on-year, but Shengbao Asset Management invested this part of the funds in other markets, reducing losses and increasing returns by five percentage points.

There is nothing more admirable than creating value.

Even Iida Yoko, when this matter was mentioned at the previous headquarters meeting, bowed and thanked Nagano Nao on the spot.

Although the others were not convinced, they had to bow as well.

Because creating value is the only meaning of everyone's existence in the company, compared to making money from Wall Street before using insider information, Nagano Nao earned foreign exchange this time entirely through his own ability.

"grown ups!"

Bow +1.

Zhao Ye Youwu lowered his head and didn't dare to stand up at all.

Nagano Nao was sitting there, taking it in stride, leaning back in his chair and saying, "Teruno!"

"Ha!" Zhao Yeyou looked up, looking awed.

Nagano Nao's eyes flashed with satisfaction, and he nodded and said, "With the economic downturn, the company will also face a lot of pressure, and the asset management department will take on more important responsibilities. You must be prepared."

"Ha!" Zhao Ye Youwu lowered his head with an ecstatic look.

"It was all your advice! Without your guidance, a fool like Zhao Ye might have considered shorting the German mark! Now that I think about it, I am so lucky to be able to work with you."

"Yoshi Yoshi! Then please keep up the good work!"

"I will definitely do my best!"

Recruited a minister.

Nagano Nao was still very satisfied. The child was about to be born, and now he had to make some plans for the future.

Akino is a guy who doesn't have a very strong background. Although he used to follow Shimizu, human nature is full of selfishness and cruelty. When a subordinate climbs over the head of his superior, the hatred of having been oppressed will definitely be more brutal than that of his colleagues.

so.

There is no need to worry about this guy betraying you.

From Tianran's perspective, taking advantage of the fight between the Akino and Shimizu families would be beneficial to his own personnel changes.

On the same day, an application for the appointment of the Director of the Kansai Headquarters was submitted to the headquarters.

Iida Yoko convened a meeting, and after a very democratic proposal, his subordinates all expressed that Akino Aryuya had extraordinary abilities and strongly recommended that he be appointed as the head of the Kansai branch.

As for Teruhiko Shimizu, he was scolded and given the position of president of the Shimane Prefecture Bioho Corporation.

Appointed.

Qingshui's face looked extremely ugly.

Shimane Prefecture has the worst economy in Japan, with an average monthly income of only about two thousand U.S. dollars.

There is nothing to gain from this kind of barren place. I have been banished to the cold palace by that bastard Nagano.

But in this pursuit of power, I made a mistake.

It's all his own fault to have ended up like this.

He had no choice but to hand in the minister's seal and drive to Shimane Prefecture to take up his post.

Compared with the three major metropolitan areas.

Shimane Prefecture looks like a new rural village.

There are not many towering skyscrapers in the entire county, only some small businesses, convenience stores and izakayas with few customers.

Real estate agencies on the street have signs hanging.

The prices above are simply unbearable to look at. This single-family house covers an area of ​​300 tatami mats, surrounded by beautiful scenery and greenery, and costs only 32,000 yen per tatami mat.

Although houses in Shimane Prefecture were not expensive before, Shimizu felt powerless to complain about the price dropping from 320,000 tatami mat to 32,000 tatami mat.

As a former elite in the financial industry, he knew that his loss was not unfair at all. That bastard Nagano was an unrivaled dragon who dominated the general trend. He still wanted to restrain him according to tradition. It could only be said that he was blinded by greed.

Two hundred dollars a stack.

Freehold ownership.

Actual living area.

You can buy ten stacks of rice in a month by working at a convenience store.

This kind of place should be a good place for retirement!

that's all.

Qingshui bought a house and started his retirement plan with his wife and children.

On the other hand, Naoio Nagano worked at the company for a day and returned to the new love nest he built with Oko Kaibe.

Hear the doorbell.

Kaibu Oko, who was wiping the furniture with a big belly, stood up by pressing her knees, took small steps to open the door.

Seeing that it was Nagano Nao, she smiled, bowed and said, "Master, you are back!"

Compared to before.

This woman, who was always in a hurry, had completely lost her figure.

Her stomach felt like it had a big basketball stuffed in it, and her body was bloated. She had her hair tied up in a bun like a married woman. One hand was gently stroking her stomach, and the other hand was taking Nagano Nao's bag. She exuded the air of a housewife from the inside out.

It's hard to describe the feeling in Nagano's heart.

Every time I see Kaibu tie his hair into a bun because of me, his missing humanity seems to be called upon to retain his gradually fading conscience.

Love?

Not really! The marriage with the Kaibe family will only open up a wider path for the future.

But do you say you don’t love her? Possessing this woman, turning her into a woman, watching her be impetuous, watching her be as beautiful as a flower, watching her belly swell, and watching her wait for the birth of her baby at home, it is inevitable that there is an inexplicable tenderness in my heart.

"Idiot! I've told you so many times, stop bowing!" Throwing the bag on the ground, Nagano Nao took Kaibe Oko's hand, casually threw off his shoes, and pulled her to the sofa.

Kaibe Oko was obviously unhappy: "If I don't bow, others will laugh at me. How embarrassing is that?"

"Who dares to laugh? Believe it or not, I can kill him in a minute?"

"You're almost going to be a father, why are you still so unreasonable?"

"What? Power is built on strength. I'm so powerful that I even got the Prime Minister's daughter pregnant. Why should I be reasonable?"

"It's annoying. You always use this kind of thing to humiliate others."

Nagano Naoko Ichiraku.

Pull Kaibe Oko onto your lap.

Not sure if she was pregnant or not, but worried that she was unattractive, Kaibu asked calmly, "Will it be heavy for two people?"

"It's a bit heavy! But, my butt seems to have gotten bigger too!"

"Don't worry honey, it's okay."

A while later.

It's time to eat.

After calling Kurigen Kazuko, Nagano Nao drove his wife to a nearby restaurant.

Compared to Kaibu Oko's big belly.

Kurigen Kazuko's belly didn't look obvious at all, but she was going to be a mother after all, so she curiously put her ear close to it.

“It feels like the baby is kicking me!”

"I've been a bit naughty lately. It must be because of a boy. He always kicks me and it hurts me!"

"Then mine should be a girl! But there's no movement at all, which makes me a little worried."

"Isn't there anything wrong with the examination? Don't worry! Maybe he's just a little more quiet."

"Wen Jing is at a disadvantage!"

The three of them were eating together.

The two women talked about how to prepare baby and maternity supplies next.

Nagano Nagao didn't understand anything and felt that he was being ignored. He complained, "I never thought I would become a father so soon. He's still a baby! And he's being robbed of his food."

"It's because you're too timid. You have nothing to teach me."

"I'm sorry. I was wrong!"

"snort!"

Because I answered the phone.

Nagano Nao went outside.

Seeing that this guy was gone, Kurigen Kazuko whispered, "Oko, are you really not going to marry this guy?"

"If I get married, I'll have to come back and be a full-time housewife. That will be very boring!" Kaibe Oko said, stroking her chin, a little annoyed.

"But if that happens, the Kaibu family will lose face. Besides, the master doesn't care about work, so he won't feel embarrassed!"

"Speaking of which, since we've already made a promise on the golden screen, it's okay!" Kaibu Oko obviously didn't want to talk about this issue, so she changed the subject and said, "Kazuko, have you noticed that this straight guy always speaks in strange ways?"

"Yeah! I always feel out of place because of this guy's shamelessness!"

"Ah! You discovered it too!"

"But even though it's shameless, he's still very likable! And from what the straight guy said about you, you forced him to have that, it must be because you thought he was super cute!"

"What? Damn it! Nagano Nao, you were the one who forced me to do that. How could you be so irresponsible?"

“.”