Tokyo, 1991: Starting as a bank clerk.

Consumer financial liabilities of €3100 million.

This means that the monthly interest alone could amount to as much as 700,000 to 800,000 euros, which could almost eat up the entire monthly salary of a middle manager.

In Japan in 1991, if the president of a small or medium-sized enterprise was burdened with over 30 million euros in high-interest loans, there were only two possibilities:

Either his personal life has a huge hole, gambling, speculation, or some other shady business.

Either the company's cash flow has dried up, forcing him to borrow money at high interest rates in his personal capacity to cover the operating losses.

Regardless of the possibility, they all point to the same conclusion:

Fuji Metal Industries' true financial situation is far from as healthy as its financial statements suggest.

If Mitsubishi Bank signs this loan, there is a high possibility that it will lose everything.

Kenichiro Nomura took a stack of documents out of his briefcase and spread them out on the table.

"This is the equipment supplier's latest price list. It's 30 million euros, a slight decrease from last month's price. They're willing to offer a discount because they have fewer orders recently."

Chihaya Yuri took the price list and read it line by line.

Is the installation and debugging fee included?

"It's included. Transportation, installation, and debugging are all included."

What about the disposal of the old equipment?

"We have already contacted a used equipment dealer, whose estimated value is around two to three million euros. This part will also be used to offset the loan."

Chihaya Yuri nodded and handed the quote along with the loan documents to Kiryu Yaya.

Kiryu Yaya took it and looked down at it.

The equipment quotation of 30 million euros clearly lists every item of cost.

The price of the equipment itself, transportation costs, installation and commissioning fees, and taxes are all stamped with the equipment manufacturer's seal.

It seems there are no problems.

He frowned slightly, quickly flipped through the pages, and found the loan application form, in which the borrower had to fill in personal debt information.

Kiryu Yaya's eyes darted around quickly.

found it!

Regarding his personal debt situation, Kenichiro Nomura filled in:

1. Mitsubishi Bank Business Funding: 5000 million euros

2. Sumitomo Bank Business Funding: 2500 million yen

"3. Mitsubishi Bank €€ Residential Loan (Self-House Loan): 1200 million€"

There was no salad gold at all!

In 1991, bank loan information circulated almost exclusively internally; banks had no way of knowing or accessing loans from loan sharking platforms.

This is also the source of Kenichiro Nomura's confidence in falsifying information and obtaining loans fraudulently.

Chihaya Yuri is currently finalizing the contract arrangements with Nomura Kenichiro.

"If confirmation can be completed this morning, the signing and disbursement can be arranged this afternoon. The 30 million euros will be directly transferred to the equipment supplier's designated account."

Thank you so much.

Kenichiro Nomura's voice conveyed a genuine sense of gratitude, and his shoulders relaxed slightly.

"To be honest, this money is really important to us. Nissan is placing an additional order next month, and our existing equipment can't keep up with the demand. If this loan isn't approved, the order might have to be transferred to another supplier."

Chihaya Yuri nodded slightly.

"That's how it is in manufacturing. If equipment investment doesn't keep up, orders will be lost. Our bank also hopes to support high-quality small and medium-sized enterprises like Fuji Metals."

It was clear that the two had reached an agreement.

Just then, an interface popped up in front of Kiryu Yaya's eyes:

[New life options have been triggered]

[Chihaya Yuri is about to finalize a €30 million loan. But you know that Kenichiro Nomura is hiding the truth about a €31 million high-interest loan. Now, you have three choices.]

The options are as follows:

[Fork in the road 1: Remain silent. You're new; no one will blame you. Even if this loan becomes a bad debt, it won't be your fault.]

(Reward: Bank deposit increases by €1, nothing happens)

[Branch Two: Subtly remind her before the formal signing of the contract, pose a question to Chihaya Yuri as a newcomer, and guide her attention to Nomura Kenichiro's debts.]

(Prize: One Honda Super Cub 50 moped)

[Bifurcation 3: Direct Exposure, Face-to-Face Questioning of Kenichiro Nomura about Defrauding the Bank of Loans.]

(Reward: Bank deposit increases by €10, and you receive negative attention from Section Chief Masakazu Yamada)

Chapter 6 Kiryu Yaya's Reminder

Kiryu Yaya's gaze swept over the three options.

If you were a fresh-faced, naive young person who had just graduated from school, you would probably choose branch three.

Just imagining the scene of someone exposing a company president for fraudulently obtaining bank loans is incredibly exciting.

Not to mention you can also get €10.

This is no small sum for him; it's enough to pay four months' rent.

However, Kiryu Yaya is well aware of how banks operate.

A bank is not a court.

There is no need for anyone to stand up and wave the banner of justice.

It's perfectly normal for clients to omit a few liabilities from their application forms, as the veterans in the financing class often say.

You expose him on the spot, and then what?

What about the evidence?

If you can't offer anything substantial, then kicking him out makes you the one breaking the rules.

Banks are businesses.

It's not the government.

Moreover, Section Chief Chihaya and the division chief have been following this case for two months.

Two months of hard work.

They can overturn it without warning.

Moreover, they used the most brutal method of confronting him face-to-face.

Where does Chihaya, the section chief, put her face?

Where does the section chief put his face?

Kiryu Yaya let out a soft breath.

At this moment, Kenichiro Nomura is confirming the final details with Yuri Chihaya.

"The equipment supplier hopes to complete the payment by the end of the month so they can arrange delivery and installation before the May Day holiday. Of course, if the bank's process takes time, we can wait."

Chihaya Yuri flipped through the calendar:

"Today is April 18th, Thursday. If we sign the contract this afternoon and the payment is released tomorrow morning, when is the earliest we can expect to receive the payment from the equipment supplier?"

"Generally, it takes three business days."

"That would be next Tuesday or Wednesday."

Chihaya Yuri made a note in her notebook:

"Tell the equipment supplier that the payment will arrive by next Wednesday at the latest. Ask them to arrange shipment in advance."

Kenichiro Nomura nodded repeatedly:

"No problem, no problem, thank you so much, Section Chief Chihaya."

Kiryu Yaya watched all of this quietly from the side.

It must be admitted that Kenichiro Nomura's acting skills are quite good.

……

The interview ended at 10:40.

Kenichiro Nomura got up to say goodbye, and Yuri Chihaya saw him off to the elevator.

The office area for the financing review department is located on the east side of the third floor.

The twenty-odd desks were arranged in two rows. The desks by the window were for senior employees at the department head level and above, while those by the corridor were for ordinary staff and new employees.

Kiryu Yaya's seat was at the very end of one side of the corridor, next to the water dispenser and the paper shredder.

To his right, across the aisle, was Chihaya Yuri's table.