"300 billion yen? Are you sure you made the wrong amount? ”

Shirakawa Kaede looked at the loan application form in front of him and almost thought that he had read it wrong.

"Hai~" Hiroshi Arai also looked confused.

To be honest, it was the first time he had seen a personal loan reach this amount after he had lived for such an age.

Originally, theoretically speaking, when encountering such an outrageous personal loan, the branch of Beidu Bank should have rejected it directly.

However, the difficulty is that this loan application is accompanied by a certificate of deposit.

Large bank loans require collateral of comparable value, which can be shares, various physical assets, and of course, deposits in accounts.

And the deposit certificate provided by the other party is amazing, 325 billion yen! Official certification from Toyo Shinkin Bank.

Toyo Shinkin Bank is a major consortium under the Sanwa Banking system.

The certificates of deposit issued by them prove that their validity is beyond doubt.

According to the rules of the banking industry, loans with deposits as collateral can be up to 90%~95% of the deposit amount.

Therefore, it seems reasonable to use 325 billion yen of certificates of deposit to borrow 300 billion yen.

This is also the reason why the Osaka branch of the Northern Capital Bank does not dare to call the shots, the amount is very large, but the procedures seem to be complete.

However, after reading the information on the loan application, Shirakawa Kaede frowned slightly.

Upper Tail Seam, a native of Kanagawa, now lives in Osaka Prefecture. Born in 30 years, graduated from elementary school.

Currently, I run an izakaya in Osaka, and as for the purpose of applying for a loan, the form says to expand the scale of the business.

What kind of izakaya expansion does it take 300 billion yen to fund the resort?

Even if you build a new resort, it won't cost you 3,000 yen, and the entire Deer Angle Resort has just cost tens of billions.

Therefore, the reason for expanding the scale of operation is a bit absurd no matter how you look at it.

"Has this certificate of deposit been verified?" Because there is weirdness everywhere, Shirakawa Kaede's first reaction is to doubt the authenticity of this certificate.

In the extremely weird and abnormal bubble era, he will not feel strange about what kind of things he encounters.

In the case of Toyota Corporation's mega fraud, it wasn't long after the president was stabbed in front of everyone's eyes.

Therefore, Shirakawa Kaede is now very vigilant about all large-scale financial transactions.

However, Arai Yu's answer was much more than he expected, "A verification receipt was sent from the Toyo Shinkin Bank, and the deposit receipt is genuine."

Not only that, but Kanda-san, the president of the Toyo Shinkin Bank, personally called to prove that Ogami did indeed have such a deposit with them. ”

That's interesting.,It's the president of the company who came forward to prove it himself.,This Ogami-san seems to have an unusual interpersonal network.。

However, no matter what, Shirakawa Kaede was skeptical that a woman who had graduated from elementary school could have such a large amount of savings.

"Have you ever visited this 'Keigawa' restaurant at the Osaka branch?"

"Hai" Arai nodded, "The izakaya is not very big, but the status of the guests there is extraordinary.

Everything from bank heads to corporate executives. In addition, according to the report of the staff of the company, it is said that this Ogami-san used to predict the stock market and tried everything.

However, since the stock market crashed, it is now a matchmaking business to provide financing to others. ”

Well? Shirakawa Feng raised his eyebrows, how can this information be familiar.

He tried to think about it for a while, and then he vaguely remembered that it seemed to be a joke that Ota had told him.

At that time, it was a critical time for Shirakawa Holdings to acquire Fuji Heavy Industries, and Ota also met people from Industrial Bank there.

Later, Ota also told Shirakawa Kaede about the ridiculous ceremony he participated in as an anecdote.

This. It can't be such a coincidence, right?

Shirakawa Kaede picked up the phone on the table and dialed a phone call casually.

"Ota, it's me."

Two minutes later, Shirakawa Kaede hung up the phone, and the expression on his face was very exciting.

This. Really.,Are all the liars of these years so arrogant?

300 billion yen, grandiose, and there is even a large and medium-sized financial institution endorsement?

After learning that this tail seam was the goddess, Shirakawa Kaede already knew that there was definitely something wrong with this loan.

How can a woman who doesn't produce and only has a small izakaya have hundreds of billions of assets.

It's not so fantasy to get rich overnight, and now she can handle hundreds of billions of funds, and it's hell that there's no problem.

"Arai-san, decline this loan politely.

In addition, from now on, Toyo Shinkin will be blacklisted, and we will no longer have any transactions with it. ”

Although Shirakawa Kaede doesn't know what is going on with this certificate of deposit, there is a big problem.

A financial institution that dares to partner with an individual to defraud is really bold.

Once this kind of financial scandal breaks out, it will definitely be a fatal blow to financial institutions.

Credibility is damaged, security cannot be guaranteed, what customer would dare to deposit money in such a vault?

"Although we rejected her, Arai-san might as well pay more attention to the Industrial Bank in Kansai in the near future."

"Huh?" Arai Yu looked puzzled.

Shirakawa Kaede smiled, "I'm going to see another good show soon." ”

He had just learned some great rumors from Ota's phone call.

Industrial Bank, Shirakawa Kaede's eyes flashed with an indescribable look.

"Kanda-san, it doesn't seem to be going well now?"

In the Huichuan izakaya, the tail was furrowed, and the mood was a little unhappy.

The certificate of deposit provided by Toyo Shinkin Bank did not work as expected.

At first, the headquarters of the Hokuto Bank in Tokyo rejected the loan, and now even Sumitomo Bank, which is close by a stone's throw away, is saying the same thing.

This has made the tail seam, which has been increasingly sought after by believers during this period of time, feel very bad.

He is the "Lord Ogami" that everyone admires, and those big people are all courteous to him, why don't these two banks have any eyes?

Feeling slack, the tail seam has already written down these two banks in a small notebook in his heart.

Oh no, Sumitomo Bank is it. Although Sumitomo-san hasn't come much during this time, he still has to give face.

"Ogami-sama, please don't worry, Kitato and Sumitomo are just a little bit of a test for us.

Based on your relationship with Kawanishi-san, there must be no problem with Industrial Bank, and Fuji Bank, so we might as well give it a try later. ”

Compared with the tail seam that is not in a good mood, Kanda sees it very openly.

For bank loans, the review threshold is different for each company. Especially if you don't know each other, it's normal to be rejected.

On the other hand, if you have a good relationship with the top management of the corresponding bank, then borrowing is a breeze.

In fact, it is no wonder that they failed on the first attempt, because they picked the wrong target.

Needless to say, the Beidu Bank has to strictly examine large personal loans with three applications and five orders.

Isn't that a typical negative textbook?

As for Sumitomo Bank, which is headquartered in Osaka, others don't know about her, but don't Sumitomo Tsuki, who is the head of the bank, know it?

He saw the scene of the believers worshipping the toad god, didn't he see that he didn't come to Huichuan Restaurant much since the stock market crashed?

He saw through the vanity, and even woke himself up with the upper seam of his tail from time to time.

As for huge loans? What are you kidding, really think he's wronged?

Besides, Sumitomo Bank itself has been in trouble for a while.

So it's a coincidence that the two objects on the tail are both hellish difficulty.

However, with Kanda's relief, she regained her self-confidence.

Yes, with his own relationship with Kawanishi-san. With a certificate of deposit in hand, applying for a loan is not an easy task?

Thinking of this, Ogami immediately took the phone and dialed the other party's number.

"Moximoxi? Is it Kawanishi-san? I'm Ogami."

After a few minutes, Tail Sew hung up the phone reservedly and gracefully.

"How's Ogami-sama?" Kanda couldn't help but lean closer.

"Kawanishi-san said that 500 billion yen is no problem."

"Hiss~" Kanda directly hit the spirit, this. Industrial Bank is so terrifying?

Seeing Kanda's bow and worship, the vanity of the tail seam was greatly satisfied.

Yes, that's the expression. It's fascinating to be fanatical and impressive.

Tsk, worthy of a god, it seems that her 90 billion yen is stable.

Kanda, who was excited, was eager to go to IB to withdraw money now.

In the next few days, they borrowed a total of 300 billion yen from Fuji Bank and Dai-ichi Bank.

However, in exchange, after getting this money, he bought another 270 billion yuan of IB financial bonds.

Fuji Bank and Daiichi Bank's wealth management products also bought 90 billion and 80 billion respectively.

Of course, the Toyo Shinkin Bank, which cooperated, was also indispensable, and the previously agreed 90 billion yen of funds have already arrived.

Although it seems that a loan of 800 billion yen was obtained, in fact, only 270 billion yen was actually received.

Financial games are far from being something that a woman who graduated from elementary school can understand.

But in any case, 270 billion yen is a large amount, and with this money, the more famous she becomes, and the more and more people come to her.

Even under Kanda's instigation, Ogami also established a real estate management company and officially entered the immovable industry.

With the media coverage, Ogami was gradually installed with various titles such as industrialist, investor, and financier.

This is the neon financial chaos under the bubble. Maybe the people of later generations would not have imagined such a scene no matter what, right?

As for why these banks are relieved to lend to the tail seams? Except for the certificate of deposit endorsed by Toyo Shinkin Bank.

The current social background, policy constraints, and so on have all played a role in fueling the fire.

Since the Ministry of Finance restricts bank lending to the real estate industry, if you want to make a profit, you must look for other loan businesses.

The first thing the presidents of the major banks say when they arrive at the office every day for a meeting is, "Who will lend us money?" ”

Yes, because the bank has an abundant amount of money, it becomes a problem to put the money out.

After all, the deposit rate of banks is too high, which is not a good thing for banks.

Therefore, in the face of large loans sent to the door, the big banks such as Industrial Bank and Fuji Bank simply verified the authenticity of the deposit slips, and then directly lent the loans.

The so-called audit form is fictitious, and even many people still choose to lend money even knowing that there is a problem.

This is all their own performance, how can they push the business outward?

What's more, because of the good relationship with the tail seam, the Industrial Bank directly gave an ultra-high quota that violated common sense.

What is 90% of the Certificate of Deposit? That's just rhetoric.

In order to earn more interest, IB directly gave 1.6 times of the deposit.

The audit form is fictitious, and the bank's top management does whatever they want.

The collective thunderstorm of the future banking industry has begun to take shape in 90 years.

But this is just a small thing that happened in the banking industry, and there are even more outrageous things happening in other big banks.

(End of chapter)