Chapter 513: Disregard for the Law
In fact, Onoue and Kanda were not the first to use false storage certificates to obtain loans.
In Tokyo, hundreds of kilometers away, such a scene began to unfold two years ago.
They still use the credit endorsement of large banks, issue deposit certificates and pledge establishment commitment letters, and then go to other banks to obtain loans.
However, there are differences between the two. In Osaka, it is the lender who forges the documents, while in Tokyo, it is the bank employees who forge the relevant procedures.
Fuji Bank Akasaka Branch, Minato-ku, Tokyo.
"Nakamura-san, how much should we take this time?"
In a private office, several figures gathered together and secretly plotted something.
“Each person has a range of 30 billion to 70 billion, and the old rules are to handle business at different time periods and locations.
The purpose of the loan should also be divided into different industries and detailed project plans should be prepared. Which projects are likely to be approved and which projects are likely to be rejected, are you clear about these?"
Sitting behind his desk, Minoru Nakamura looked at the people in front of him and carefully reminded them of every point of caution.
"Of course! Please rest assured, Nakamura-san, this is not the first time we have done this, there will be absolutely no problem."
Several men in suits sitting opposite him kept nodding and bowing to show that they understood.
This is not the first time they have done such a thing, and they are very familiar with it.
"Yoshi! After the matter is done, we will still follow the old rules and you will keep your share."
Seeing that they all understood the key points, Nakamura Minoru nodded with satisfaction.
Since he had said everything that needed to be said, he didn't waste any more time and started serving the dishes directly.
I opened the drawer under the desk and found several prepared documents inside.
"Here, one for each of you. We'll meet here in two weeks." Nakamura Minoru distributed them to the people in front of him one by one.
After receiving the prepared documents, some people couldn't wait to open them and take a look.
When they saw the numbers on the deposit slip, everyone couldn't stop smiling.
“Mr. Nakamura is indeed a leader in the banking industry. Even the deposit date was entered in 1987.
With this certificate, those fools at the Second Bank will surely lend money happily. "
"Haha, Timber-san is right. If Nakamura-san does it himself, everything will be absolutely safe."
Hearing the flattery from several people, even Nakamura Minoru, who had just had a serious face, couldn't help but reveal a smug expression.
As the president of Fuji Bank's Akasaka branch, how could he not understand the banking rules?
Since 1987, he has used computers to enter fictitious deposit amounts .
After making the deposit certificate, the previous record was deleted on the grounds of input error.
Although the original records are gone, the vouchers made previously are still there.
These deposit certificates and pledge commitment letters will be kept together and hidden privately in Nakamura Minoru's own safe.
After half a year to a year, it is time for these deposit certificates to see the light of day again.
The people sitting in front of Nakamura Minoru are from several different real estate companies in Tokyo.
After getting these deposit certificates and documents, they will use them as collateral to obtain a loan from the second bank.
In order to make it easier to pass the review, Nakamura Minoru even 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 the bank.
In 1988 and 1989, real estate investment projects were the most popular.
All banks, as long as they see real estate loans, will most likely lend the money without even looking at it.
But this year, the Ministry of Finance has begun to tighten its economic policy. The Second Bank is much more careful about the same loan.
However, no matter how carefully you look at it, real estate projects are still high-quality assets within the bank.
Under normal circumstances, such loans will still be reviewed and approved.
But just in case, Nakamura Minoru has now started to participate in loan applications for other projects in real estate projects.
As it turned out, with him as an insider, these people from the real estate company had every advantage in the Second Bank.
In the past two years, this group of people has siphoned off a huge loan of nearly 500 billion yen from the Second Bank.
After the money is withdrawn, it will be deposited into a temporary account at the Akasaka Branch of Fuji Bank, the bank that Minoru Nakamura is currently in charge of.
After a week, the temporary account will be terminated and the money will flow into different channels through various means.
Among these, the real estate industry accounts for the largest share. After all, it is the hottest investment industry at the moment, and the profits in the property market are extremely high.
Of course, as the direct person in charge, both the several real estate practitioners who obtained the loans and Nakamura Minoru himself received a considerable commission.
Take Nakamura Minoru himself for example. Every time he cashed out a large loan, he would receive a commission of nearly 100 million yen.
After two years, I had saved at least several hundred million yen.
To be honest, if he just relied on the position of branch manager, his annual salary would be at most tens of millions of yen.
And this is all thanks to the bubble era. It was even less in the past.
Therefore, if you rely solely on salary, you will definitely not be able to save hundreds of millions of yen without more than ten years of accumulation.
As the saying goes, a horse cannot grow fat without night grass, and a man cannot become rich without unexpected wealth. Bank loan is the night grass and unexpected wealth of Nakamura.
As for the hundreds of billions of loans, isn't it too little that Nakamura Minoru only received a few hundred million yen?
Are you kidding? Does he really think that such a big deal can be handled by a small branch manager like him?
Without the arrangement from top to bottom and without the approval of the top leaders, Nakamura Minoru had no idea how many times he had been sunk in Tokyo Bay.
Such a huge loan fraud requires someone from within the bank to step in and handle it.
And Nakamura Minoru was the only one chosen because he was brave.
When giving the gifts to the people who were walking on the real estate, some of them suddenly stopped.
"By the way, Nakamura-san, when will the Kitato Bank take action?
As the first tier below the big banks, Beidu Bank has a mediocre background, so it should be easier to deal with, right?"
“Yeah, to be honest, I still feel a little uneasy going to the Second Bank all the time.
Even if problems are discovered with Beidu Bank's loan, it should be easier to deal with, right? "
Although it is rumored that Kitato Bank does not favor real estate projects, there should be no problem with bank deposits.
This is hard currency among collaterals in any bank.
“Wait a minute about the Beidu Bank, I always feel that their background is not as simple as it seems.
Even if you want to take action , you should at least ask the big shots above you for permission first.
Without their nod, you idiots will just be feeding the fish in Tokyo Bay~"
"Hai~ Hai~" When 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, Nakamura Minoru silently deduced the situation again in his mind.
After making sure there was nothing left out, I packed up and prepared to leave.
"Sato, I'm going to go out for a while."
"Hai!"
After greeting the bank clerk, Minoru Nakamura walked out of Fuji Bank carrying his briefcase.
Thirty minutes later, Minoru Nakamura, driving a Subaru Alcyone SVX, appeared near Ginza in the Chuo Ward.
"Turn left 50 meters ahead and you will soon reach your destination. Thank you for using the 'Jixing' navigation system this time. I wish you a pleasant journey~"
Listening to the pleasant female voice coming from the center console, Minoru Nakamura whistled happily.
Wow, it’s worthy of being the first high-end luxury car to use a GPS navigation system. The experience is simply different.
It seems that the change of ownership of Fuji Heavy Industries was not a bad thing. With the assistance of SIC and Shirakawa Electric, Subaru is like a phoenix reborn from the ashes.
Mr. Shirakawa not only did a great job in banking, but was also an excellent businessman.
To be honest, Minoru Nakamura was really worried that if he acquired Kitato Bank in the future, it would drag down Subaru.
If the Subaru was destroyed, wouldn't he never be able to drive such a good car in the future?
That’s right, the car that Minoru Nakamura is driving now is Subaru’s latest generation of luxury coupe: Alcyone SVX.
Not to mention its mechanical performance, the 9-inch full-color LCD central control screen alone makes it unique among luxury cars.
Including the LCD instrument under the steering wheel, the entire car luxuriously uses two full-color LCD instruments.
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 operations on the car, it also supports reading CDs!
Yes, as long as you have the resources, it is not a problem to play short movies in your car.
As for music CDs and the like, that's even easier, as these are Shirakawa Electric's specialties .
With a full-color central control screen, how can we do without navigation?
Ever since the United States liberalized GPS access and allowed civilians to use it in 1983, this technology has gained new vitality among the public.
It has been used in various places, including shipping, mountain operations, Dengfeng exploration, etc., and GPS is everywhere.
However, in the automotive field, GPS has not yet been officially introduced for commercial use in the past few years.
However, after Shirakawa Kaede took over Subaru, the first thing put on the agenda was various interior reforms and innovations.
The original Subaru cars were mechanically invincible, but the interiors were, to be honest, just too hard.
The rough and shabby style and configuration are totally unworthy of its achievements in mechanical performance.
Therefore, the LCD screen, which is the easiest to modify, was installed in the car first. With an LCD screen and a central control, it would be a waste if there was no navigation.
At the order of Shirakawa Kaede, Subaru established a special development team at the end of 1988 to study the feasibility of GPS navigation.
In order to speed up its research and development process, SIC and Shirakawa Electric have professional technical personnel to cooperate with them in the development.
For example, in the current Alcyone SVX luxury model, the central control CPU is the 32-bit processor SIC80381 from SIC.
The screen development and display layout were completed by Shirakawa Electric, and the map information was pre-stored in flash memory chips made by TSIC.
After several years of continuous investment, flash memory was put into commercial use by TSIC as early as 1987.
With the updating and iteration of technology, SSDs made of flash memory can already store 32MB of content this year.
However, because the chips used in cars do not emphasize portability, the memory chip installed on the Alcyone SVX is much larger.
Of course, correspondingly, the storage space is also much larger.
Two chipsets and hundreds of megabytes of content are more than enough to install today's simple maps.
Subaru, SIC, Shirakawa Electric, and TSIC worked together to create the first-generation in-vehicle GPS navigation system "Jixing".
The phrase "auspicious star shines brightly" means good luck, and it also fits with the "star" represented by Subaru.
This is Subaru's current first-generation navigation system, and it is also the first car company in the world to use GPS technology for navigation.
This set of configurations costs $2,500. Customers can choose whether to add this set of configurations when purchasing the car.
As a man with plenty of money, Minoru Nakamura naturally chose the top-of-the-line luxury version.
Not only him, because of the reputation created by Legacy, Subaru's current brand awareness is completely different from before.
The social elite, the wealthy, are now extremely fond of Subaru.
The car is not only easy to drive, but also has various novel functional configurations, making it a true symbol of status.
Therefore, Alcyone SVX was well received by the market as soon as it was launched.
As soon as it was launched this year, Minoru Nakamura bought himself a luxury version worth more than 7 million yen.
After parking his car in a roadside parking space, Nakamura walked into a high-end teahouse in Ginza with familiarity.
Here, he will meet an important person.
After the last loan was approved, he still had to handle some handling fees personally.
Of course, he also needs to sound out the big shots regarding the possibility of moving Beidu Bank.
