In fact, the first to use fake storage certificates to defraud loans was not the first to do so.

In Tokyo, a few hundred kilometers away, such a scene began to play out two years ago.

It is still to use the credit endorsement of large banks to issue deposit certificates and pledge commitments, and then go to other banks to obtain loans.

However, there is a difference between the two: here in Osaka, the lender is forging the certificate, and here in Tokyo, the bank staff is forging the relevant procedures.

Minato-ku, Tokyo, Fuji Bank Akasaka Branch.

"Nakamura-san, how many will we set this time?"

In a private office, several figures are huddled together and quietly plotting something.

"From 30 billion to 70 billion per person, the old rule is to disperse time periods and locations to handle business.

The purpose of the loan should also be prepared in detail by industry, which projects are easy to pass, which projects are easy to kill, you all know this, right? ”

Minoru Nakamura, who was sitting behind the desk, looked at the few people in front of him and carefully advised every bit of precautions.

"Of course! Please rest assured, Nakamura-san is not the first time we have done this, and there is absolutely no problem. ”

Several men in suits sitting across from him kept nodding their heads to show their understanding.

It's not the first time they've done something like this, and the door is very clear.

"Yo Si! After the deed is done, according to the old rules, your share will be kept. ”

Seeing that they all understood the point, Minoru Nakamura nodded with satisfaction.

Since everything that should be said has been said, then he will not be verbose and start serving the food directly.

Pull open the drawer under the desk, and there are several prepared documents lying inside.

"Now, one for each person, we'll meet here in two weeks." Minoru Nakamura distributed them one by one to several people in front of him.

After getting the prepared documents, someone couldn't wait to open them and look at them.

When they saw the numbers on the deposit receipts, they all smiled from ear to ear.

"Nakamura-san is a leader in the banking industry, and even the deposit time is 87 years old.

With this proof, the at the Second Bank must have happily lent money. ”

"Haha, that's what Mu Sang said. Nakamura-san personally took action, and things were absolutely foolproof. ”

Hearing the praise of several people, even Minoru Nakamura, who had a serious face just now, couldn't help but show a smug look.

As the president of Fuji Bank's branch in Akasaka, could he still not understand the rules of the banking industry?

Since '87, he has been using a computer to enter fictitious deposit amounts into the Fuji banking system.

After the deposit certificate was created, the previous record was deleted on the grounds that it had been entered incorrectly.

Although the original record is gone, the voucher that was made before is still there.

These certificates of deposit will be kept together with the pledge and kept in Minoru Nakamura's own safe.

After half a year to a year, it is time for these certificates of deposit to see the light of day.

The people sitting in front of Minoru Nakamura are from several different real estate companies in Tokyo.

After obtaining these certificates of deposit and documents, they will use them as collateral to go to the second bank to obtain loans.

Even in order to make it easier to pass the review, Minoru Nakamura also prepared project loan applications for them in different industries.

As a member of the banking industry, especially a large bank like Fuji Bank, he knows best which applications are likely to be favored by banks.

In 88 and 89, real estate investment projects were the most popular.

All banks, as long as they see real estate loans, there is a high probability that they will lend without looking at them.

But not this year, as the Ministry of Finance began to tighten its economic policy. The same loans, now the second bank is much more careful.

However, if you look closely, real estate projects are still high-quality assets within the bank.

Under normal circumstances, such a loan will still be approved.

But just in case, now Minoru Nakamura has also started to apply for loans for some other projects in real estate projects.

It turns out that with him, the inner ghost, these people from the real estate club are invincible in the Second Bank.

In the past two years, their gang has taken a huge loan of nearly 500 billion yen from the Second Bank.

Once the money is withdrawn, it is then deposited into a temporary account at Fuji Bank's Akasaka branch, the bank where Minoru Nakamura is now in charge.

After a week, the temporary account is terminated, and the money will flow into different channels through various means.

The real estate industry is the majority, after all, it is the most popular investment industry at the moment, and the profits of the property market are not ordinarily high.

Of course, as the person in charge directly, whether it is several real estate practitioners who arbitrage loans, or Minoru Nakamura himself, he has a lot of commissions.

Take Minoru Nakamura himself, for example, every time he completes the cash-out of a large loan, he will receive a draw of nearly 100 million yen.

In the past two years, I have saved hundreds of millions of yen.

To be honest, if he relied solely on the position of branch president, his annual salary would be tens of millions of yen at most.

This is still thanks to the blessing of the bubble era, and it was even less in the past.

Therefore, if you rely on your salary alone, you will never be able to save hundreds of millions of yen without more than ten years of accumulation.

The so-called horses have no night grass and no fertilizer, and people have no windfall and no wealth. Bank arbitrage loans are Nakamura's night grass and windfall.

As for the hundreds of billions of loans, is it too little for Minoru Nakamura to only get a few hundred million yen?

Just kidding, do you really think that such a big deal can be borne by a small branch president?

There is no up and down dotting, no high-level acquiescence, Minoru Nakamura doesn't know how many times he has been sunk in Tokyo Bay.

Such a huge amount of fraudulent loans requires people inside the bank to come forward to deal with it.

And Minoru Nakamura is just because he is bold, so he became the one who was specifically chosen.

While giving away the real estate, some of them suddenly stopped.

"By the way, Nakamura-san, when will the Hokuto Bank do it?

As the first echelon under the big bank, Beidu Bank has a general background, so it should be easier to deal with, right? ”

"Yes, to be honest, I've been going to the Second Bank, and I'm still a little unsure.

Even if a problem is found, it should be easier to deal with, right? ”

Although it is rumored that Beidu Bank does not favor real estate projects, bank deposits are always fine.

This is hard currency in any bank.

"When I waited for Beidu Bank in advance, I always felt that their background was not as simple as it seemed.

Even if you want to do it, at least ask the big people above first.

Without their nod, you idiots would just wait to feed the fish in Tokyo Bay~"

"Hai~Hai~" As soon as they heard that they were going to Tokyo Bay to feed the fish, several people unconsciously shrank their necks.

"Go, go~ You are not allowed to worry about these things."

After sending a few people away, Minoru Nakamura silently deduced it again in his heart.

After feeling that there was nothing missing, he packed up and prepared to leave.

"Sato, I'll go out."

"Hay!"

After greeting the clerk at the bank, Minoru Nakamura walked out of the door of Fuji Bank with his briefcase.

Thirty minutes later, Minoru Nakamura, who was driving a Subaru Alcyone SVX, appeared near Ginza in Chuo Ward.

"Turn left 50 meters ahead and you'll be near your destination. Thank you for using the 'Jixing' navigation system this time, and I wish you a pleasant trip~"

Listening to the pleasant female voice from the center console, Minoru Nakamura whistled happily.

Tsk, it is worthy of being the first high-end luxury car to use a GPS navigation system, and this experience is different.

It seems that the change of ownership of Fuji Heavy Industries in the past is not a bad thing, and Subaru has the assistance of SIC and Shirakawa Electric, which is like completing the Phoenix Nirvana.

That Shirakawa-san, not only is the bank impressive, but the industry has nothing to say.

To be honest, Minoru Nakamura is really afraid that if he builds the Northern Capital Bank in the future, it will not drag Subaru down.

If the Subaru was tossed away, wouldn't he be able to drive such a good car in the future?

That's right, the car Minoru is driving now is Subaru's latest generation premium coupe: the Alcyone SVX.

Not to mention the mechanical performance, the 9-inch full-color LCD central control screen alone makes it a unique existence in luxury models.

Counting the LCD instrument under the steering wheel, the whole car uses two full-color LCD instruments luxuriously.

Especially the central control LCD screen, it is not an exaggeration to say that it is a TV.

In addition to being able to perform various maneuvers of the car, it also supports reading discs!

Yes, as long as you have the resources, it is not a problem to put a small movie in the car.

As for music CDs or something, that's not to mention, these are Shirakawa Electric's specialties.

And with a full-color central control screen, how can you miss navigation?

Since 83 years ago, when the United States liberalized GPS permissions and allowed civilians to use it, this technology has given a new lease of life to the people.

It has been used in various places, such as shipping, mountain operations, Dengfeng expeditions, etc., and is full of GPS everywhere.

It's just that in just a few years in the automotive field, GPS has not yet been officially introduced into commercial use.

However, after Shirakawa Kaede took over Subaru, the first thing that was put on the agenda was various interior reforms.

The original Subaru car was mechanically invincible, but the interior decoration was really, too hard.

The rough and shabby style and configuration are completely unworthy of its mechanical attainments.

Therefore, the easiest to transform the LCD screen is the first to get on the car, with the LCD screen, with the central control, it would be a waste not to navigate.

At the end of '88, Subaru set up a special development team to study the possibility of GPS navigation.

In order to speed up its research and development process, SIC and Shirakawa Electric have professional technicians who are working with them to develop it.

For example, in the current Alcyone SVX luxury model, the CPU in the center is a 32-bit processor SIC80381 from the SIC.

The screen development and display layout were completed by Shirakawa Electric, and the map information was pre-stored by a flash memory chip made by TSIC.

After several years of uninterrupted investment, flash memory was commercialized by TSIC as early as '87.

With the update and iteration of technology, by this year, SSDs made with flash memory can already store 32MB of content.

However, because the chips used in cars are not portable, the memory chips installed on the Alcyone SVX are much larger.

Of course, the storage space is also much larger.

Two chipsets, 100 megabytes of content, and a simple map for now, are more than enough.

Subaru, SIC, Shirakawa Electric, TSIC, and several companies worked together to create the first generation of the on-board GPS navigation system "Jixing".

The auspicious star shines high, taking its meaning of good luck, and it also coincides with the "star" represented by Subaru.

This is Subaru's current first-generation navigation system, and it is also the world's first car company to apply GPS technology to navigate.

For this set, it costs $2,500. Customers can choose whether to install this set of equipment when purchasing a car.

As the owner who is not bad for money, Minoru Nakamura of course chose the top luxury version.

Not only him, because of the previous reputation of Legia, Subaru's current brand awareness is completely different from before.

The social elite, the wealthy, are now unusually sought after by Subaru.

The car is not only easy to drive, but also has a variety of novel functional configurations, which is a symbol of status.

Therefore, as soon as the Alcyone SVX was launched, it was well received by the market.

This is not just this year, Minoru Nakamura bought himself a luxury version of more than 7 million yen.

Parking in a parking space on the side of the road, Minoru Nakamura walked into a high-end teahouse in Ginza.

Here he is going to meet a big man.

After the last loan came down, some of the dotting fees still need to be handled by him personally.

Of course, regarding the possibility of moving the Northern Capital Bank, he also needs to find out the bottom of the big shots.

(End of chapter)