Reborn Financial Overlord

Hirakawa Yurui is the vice president of the Kanagawa Credit Union, so calling at this time must be asking for money again.

Sure enough, before Kikuni Kurihara could answer, Hirakawa Yurui explained his intention.

"Kurihara-san. Your current housing loan has been overdue for a week. I hope you can think of a solution as soon as possible. Otherwise, according to the original housing purchase contract, your property rights may be auctioned. And it will seriously affect your credit .”

"President Hirakawa, didn't you promise to help me slowly?"

"Kurihara-san, I did my best."

Hirakawa's businesslike attitude made Kikuni Kurihara furious.

A year ago, you were the one who asked yourself to mortgage your existing house and refinance it. Now if there is a problem, you will turn your face and deny people. The bitch turns his face faster than you.

"Kurihara-san. Did you hear that?"

"President Hirakawa, can you help me delay for a few more days? You also know that the housing market has been sluggish recently, and I have a small gap in funds here. I will pay it back as soon as possible when I turn around."

"I'm really sorry. Kurihara-san, it's not that I refuse to help you, I'm really powerless."

"..."

"Okay! I will try to solve it as soon as possible."

"I hope you will understand. Take care. It will be all right."

"..."

After hanging up the phone, Kikuni Kurihara's spirit seemed to be completely sucked away, and his body hunched.

With a mortgage of 6000 million, how can I raise so much money in a short time.

It seems that the only way to raise these cash is to clear the stocks.

Thinking of stocks, Kurihara Kikuni felt a pain in his heart. In just one month, he lost more than [-] million yuan. Now he has to cut his flesh, which is really unwilling.

But what can I do, the damn bank always borrows umbrellas on sunny days and collects umbrellas on rainy days.

Taking out the phone book from his pocket, Kikuni Kurihara found the stockbroker's number and dialed it.

"dudu..."

"Hello. This is Nomura Securities. Can I help you?"

"Hello. Customer 34565, password 134341, please help me sell all stock positions."

"Kurihara-san, I'm sorry. The stocks held in your account cannot be sold temporarily."

"Nani?"

"Your holdings include Sompo Holdings and Bank of Hyogo. Right now, Sompo Holdings has a lower limit. If you are sure you want to sell, I can only queue up orders for you, but we can't guarantee whether you can sell them. "

The 50-year-old Kikuni Kurihara felt his eyes darkened, his blood pressure rose rapidly, and his forehead throbbed.

Sompo Holdings, down limit.

How could Sompo Holdings drop the limit, this is an insurance company!How could the insurance company, which claims to be the most stable and profitable, be able to drop the limit.

The lower limit, based on the proportion of Sompo Holdings, will fall by at least 20.00%.

"Kurihara-san, are you sure you want to line up to sell?"

Kurihara Kikuni was stunned, subconsciously, he murmured.

"And the Hyogo Bank."

"Bank of Hyogo applied for a temporary suspension today."

"..."

One limit down, one suspension.

Finished!

Kurihara Kikumi slipped his hand, and the mobile phone fell to the ground, his vision began to blur, and the blood in his body limp to the ground as if it had been sucked away.

"Kurihara-san!"

"Kurihara-san!"

The phone is of good quality, and the handset is still calling, but Kurihara-san can no longer see this world.

Chapter 9 Chill (Revised)

Hyogo Prefecture, Hyogo Bank Headquarters.

In charge of the investigation, the young Haosi Watanabe routinely flipped through the bank accounts.

Matsushima Oka, an ordinary employee of the Otude Manufacturing Department, bought a real estate under Daiwa House Industry in Hyogo Prefecture with a mortgage loan in 1985. The total loan was 4000 million, which was paid off in 30 years. In March 1987, I applied for a housing mortgage loan and applied for a loan of 5000 million yen for the purchase of a house.In November of the same year, Matsushima Oka pledged again to apply for a loan to buy a new house, with a total loan amount of 11 million, for the purpose of purchasing a house.

Ryotaro Sakaguchi, the chairman of Heisen Co., Ltd., is mainly engaged in the production of daily necessities and has good assets. In 1984, I applied for a loan of 40 million yen to purchase a villa in the central district of Tokyo, which was repaid in installments of 1988 years. In [-], when the loan was repaid for only four years, I applied for a loan of [-] million yen again...

......

Buy a house with a loan, take a loan with a house, and buy a house with a loan.By any standard, the numbers are staggering.From the perspective of risk, the bank should not have approved these loans at all, but in the end, all loans were approved.

The more he read, the more shocked Watanabe Hiroshi became.

He finally understood how Hyogo Bank's 2.3 trillion bad debts came from.

Affected by the decline in house prices, many people who used loans to support their houses had no choice but to overdue their loans. A large amount of non-performing assets were concentrated in banks. In the market, house sales dropped to freezing point. These mortgaged assets could not be sold, and immediately became bad debts.

A kind of fear permeates Haosi Watanabe's heart. If other banks are like Hyogo Bank, then...

Hyogo Bank outside the bank gate.

The dense crowd blocked the bank.

There are business owners, housewives, market vendors, and white-collar workers who have heard the news and asked for leave. All of them rushed to the gate of Hyogo Bank like crazy.

Etiquette, modesty, all put down under the circumstances that wealth may be wiped out.

The gate of the bank had already been smashed, and the security guards could only form a wall to block people in front of the counter.

To withdraw money, all people have only one purpose, to withdraw money.

A middle-aged man who was at the front was lucky enough to be squeezed to the counter, holding the passbook in his hand and shouting.

"Withdraw money, take all my money out."

"Wait? I've been waiting since morning, and you asked me to wait. Is your bank out of money?"

At the third window of the counter, a 30-year-old youth roared while shaking the bankbook in his hand.

Hearing the news that Hyogo Bank was temporarily suspended due to financial problems, he came to the bank early to queue up to withdraw money, and finally waited until now, but the bank actually told him to wait.

What does it mean?

Hyogo Bank is out of money.

"Is your bank out of money?"

"Definitely is."

"The bank is out of money."

"..."

The hideous faces frightened the staff handling the business at the counter. He had just graduated and came to work, and he had never experienced a bank run.

Facing the almost cannibal eyes of the depositors, the young staff cried and begged.

"Sumi Masai! Sumi Masai!"

It is a pity that no one accepted the young staff's apology for sure.

"We want to withdraw money!"

"Call your president, we want to withdraw money."

"Baga! Where's the money? We want to withdraw money."

"..."

Affected by the decline in housing prices, Binku Bank was investigated by the Banking Bureau due to financial problems, and all major branches were simultaneously run on.

When the news reaches the market, the impact on the market can be imagined.

Tokyo, Stock Exchange.

The green numbers on the screen make people feel cold, and the pair of blank eyes, apart from staring blankly at those numbers, there is only dullness and despair.

Thousand shares limit down!

The Second Division of the Eastern Stock Exchange.

Bank stocks were hit hard. More than thirteen bank stocks fell by the limit, and all listed housing companies fell by the limit. Individual stocks related to banks and real estate also plummeted.

The Tokyo Stock Exchange was also not spared.

More than six bank stocks fell by the limit, and companies involved in the banking and housing manufacturing industries all suffered huge sell-offs.

In addition, major insurance companies have also been hit hard.

Sompo Holdings plunged 20.00% eighth, and the sell order for 3000 million shares was firmly sealed by the lower limit.

Money, gone.

It hurts to watch the wealth that I have worked so hard to earn turn into flying ashes, even cutting off a few catties of flesh from my body may not be so painful.

The pain makes people despair, the pain makes people confused.

Toshiro Watanabe stared blankly at a stock on the screen, his mind went blank.

Hayasaka House Construction was once the third largest real estate company in Tokyo by market value, and its performance is booming.

But now, its market value has shrunk by more than 60.00%.

Just over a month.

To be precise, there are less than ten trading days.

Watanabe Toshiro only felt that his head was muddled and he couldn't tell the direction.

How can stocks fall.

Why is it down.

It is not very good for everyone to buy together to increase the price and make money.Motorcycles become small cars, everyone will get rich.

Why, the motorcycle has become a mountain bike.

Now, his 20 billion has shrunk to only [-] million, how can he explain to the company!

Thinking of the discovery of the embezzled funds, Watanabe Toshiro was filled with despair. Even if he sold the house, he couldn't make up for the 12 billion shortfall.

Why is this happening?

No one can give the answer, only the green screen is full of tears tearing the wound again and again.

"Wine again and again

when to anesthetize my depression

the past will subside

can't break through walls

Can't see the way ahead

......"

Osaka, Capital One.

The low and sad music of "Grey Tracks" reverberated in the office, following the music, someone was roaring out some lyrics.

The broken gong sounded like a male duck quacking.

Sadness and depression are not sung, making people want to cover their ears inexplicably.

William didn't dare to cover his ears, but he still dared to slander him in his heart.

As soon as the market opened in the afternoon, under the impact of the news of the bank run in Hyogo, the Topix plunged rapidly, quickly breaking through 17888 and 2200, and fell to [-] points, a sharp drop of [-] points.

And then... nothing more.