Kiryu-kun, do you know how troublesome this matter is? [Please Subscribe]

Chapter 254 Kiryu-kun, do you know how troublesome this matter is? [Please Subscribe]

Looking at the three options in front of me.

Kiryu Yaya slowly closed his eyes.

If a branch splits, report it immediately.

This approach would not only protect the bank's claims but also greatly enhance his reputation within the bank.

After all, it is no easy task to discover such systemic risks, let alone for a newcomer like him.

However, these companies are subject to loan withdrawals.

Then this Kansai fiber industry consortium is bound to fail.

Once the group collapses, more than 30 factories will lose orders and funds overnight, and thousands of workers will take to the streets to fork in the road.

He could indeed contact a few of the better-performing member factories without alerting Shuhei Yasuda, and explore integration options.

The problem is that the window of opportunity is too short. By the time he finishes negotiating with each company, it will be too late.

As for the third branch.

While it may seem like a win-win situation, the difficulty is self-evident.

Kiryu Yaya has tried the five-star difficulty level before.

I had a similar option triggered once before after chatting with Shinya Watanabe.

At that time, he chose to make a deep layout at the industry chain level, which was rated as five stars in difficulty.

But then Watanabe Shin disappeared, and he changed his mind, deciding to get involved himself.

Therefore, that option was essentially invalidated.

This time, similar options for supply chain integration have emerged again. Will I repeat the same mistakes?

If Watanabe Shinya had simply chosen option one or option two that time, wouldn't he have been able to get an extra reward?

Kiryu Yaya hesitated in his heart.

But is the current situation really the same as it was back then?

On that occasion, Shinya Watanabe had nothing but his mouth.

But now, he has this list that can leverage the resources of Mitsubishi Bank.

The fiber industry also has Miyazawa Fiber as a bridgehead, with connections to Marui Fiber.

Not to mention, he has already made contact with Shuhei Yasuda.

This time, it seems he has more influence and control over things.

However, what ultimately convinced Kiryu Yaya was not any of the above.

It was not the names of the more than thirty companies on the list.

Behind those names are more than 30 factories and thousands of workers who make a living by sewing machines, cutting tables and dyeing vats.

It involves thousands of families.

Forget it, let's just go for it.

Kiryu Yaya let out a soft breath and opened his eyes.

He stood up, made a copy of the files, and then said to Morishita, "Morishita-senpai, thank you for your hard work tonight. I'll treat you to tea next time."

Morishita waved his hand: "Don't mention it. But Kiryu-kun, next time you need to research data of this scale, it's best to come during the day. The lighting is bad at night, and even my reading glasses make me dizzy."

"Got it, come during the day next time."

He pushed open the iron door of the vault and walked back up the stairs to the third floor.

When I pushed open the door to the financing review office, many lights were still on.

Looking around the office, Masakazu Yamada didn't leave.

He was sitting in the section chief's office, with a post-loan tracking report spread out in front of him and a cup of tea that had gone cold beside him.

When there was a knock on the door, he looked up and saw Kiryu Yaya standing in the doorway.

"Section Chief."

Kiryu Yaya walked in, closed the door slightly, and then placed a thin folder on the desk.

"There's something I'd like to report to you."

Masakazu Yamada's gaze fell on the folder.

He glanced at Kiryu Yaya's expression, and realizing something was amiss, immediately said, "Please sit down. What is it?"

Kiryu Yaya didn't rush to open the folder, but first organized his thoughts.

"Section Chief, when I visited Watanabe Fibers before, I heard some rumors. And recently, the Miyazawa Group acquired a fiber factory called Marui, so I took the opportunity to investigate."

After he finished speaking, he paused and said solemnly, "As a result, I heard about an organization called the Kansai Fiber Industry Cooperative Association."

"This organization has more than 30 companies under its name, covering the upstream and downstream of the fiber industry."

"I wonder if the section chief has heard of this name?"

As Kiryu Yaya recounted his story, Yamada Masakazu's expression grew increasingly grave.

An organization that controls more than 30 companies is no small matter if something goes wrong.

He squinted and nodded: "You mean the Kansai Textile Industry Cooperative Association? I've worked at the Osaka branch for so many years and I've heard of the name, but I always thought it was just an ordinary industry association."

Kiryu Yaya shook his head: "But according to my investigation, this organization is ostensibly an industry association, but in reality, it has yakuza connections."

"They combined the payments from over thirty member factories, then allocated orders and funds among the members to create a fictitious..."

Fake performance records helped companies fraudulently obtain bank loans.

"I just checked these companies in the database with Mr. Morishita, and we found that thirteen of them have business ties with our bank, and eight of them currently have loans, totaling 400 million yen!"

"More importantly, these companies are distributed across different banks, including Sumitomo, Kyoto Credit Bank, and Osaka Credit Bank."

"Once a chain reaction occurs, the affected credit scale is conservatively estimated to exceed two billion yen."

After saying that, Kiryu Yaya opened the folder in his hand and placed the files of the eight companies he had just investigated in front of Yamada Masakazu.

After listening to Kiryu Yaya's words, Yamada Masakazu frowned, realizing the difficulty of the case.

He then opened the file at hand.

The office fell silent.

All that remained was the sound of pages turning.

Masakazu Yamada read slowly, pausing briefly on each page, his gaze moving from company name, loan amount, approval date, and so on.

Scan through the current state line by line.

After turning the last page, Masakazu Yamada did not close the file folder. Instead, he laid the copies flat on the table, clasped his hands together at the edge of the pages, and remained silent for a moment.

Then he looked up at Kiryu Yaya.

The silence lasted for nearly half a minute.

After the silence became unbearable for both of them, Yamada Masakazu leaned back and said helplessly, "Kiryu-kun, do you know how troublesome this is?"

Kiryu Yaya paused for a moment, then said, "Of course I know."

Masakazu Yamada scratched his head, then spread his hands and said, one by one, "First of all, as you just said, these companies are backed by a common pool of funds."

"If we initiate a credit review now, the news will definitely leak out. Once the investment group gets wind of it, they might preemptively strike and drain these companies' funds."

"And as you know, the fiber industry isn't a capital-intensive industry, so it doesn't have much collateral."

"Once the equipment and inventory that have value are transferred, all we get back are empty shells."

"Another, and most importantly..."

"Eight companies, involving hundreds of employees. If we mishandle the loan withdrawal process, coupled with the encouragement of the controlling parties behind the scenes, do you know how much public criticism this would cause?"

"The government might get involved, making it even more difficult for us to recover the 400 million yuan debt."

"Most importantly, this is not just a matter for our bank alone."

"Once this group shares a single funding pool, if we withdraw loans, other banks will follow suit."

"The social and political pressure it has created is beyond our imagination."

The words fell.

The office was silent for about five seconds.

What Masakazu Yamada was referring to is precisely the difficulty of the Kansai Fiber Industry case.

This is by no means an isolated case, but rather a case where a single move can have far-reaching consequences.

Kiryu Yaya naturally understood this.

If it weren't so complicated, Japan in real history wouldn't have been so helpless in dealing with these systemic risks.

Of course, even if Kiryu Yaya were to solve the current situation in Japan, he would feel that the problems are too deeply entrenched to be resolved.

But if it's just a small textile industry in the Kansai region of Osaka, then he still has ideas.

Kiryu Yaya sat opposite Yamada Masakazu, carefully choosing his words before speaking: "Section Chief, your concerns are valid."

"If we initiate a credit review now, the news will definitely leak out. Once the group gets wind of it, Shuhei Yasuda will not sit idly by."

"He will strike first, moving all the equipment and inventory that can be moved, leaving the empty shell for the banks to deal with."

Even with the judgment in hand, we won't be able to recover the 400 million yen.

"We cannot bear the responsibility of losing hundreds of employees."

"If those workers are incited to block the bank's entrance, and the media reports on it and the government intervenes, the situation will be beyond the control of one bank."

"If we can't recover the debts and also damage our reputation, then we'll suffer a huge loss."

Yamada Masakazu looked at Kiryu Yaya, waiting for his turn of events.

"so"

Kiryu Yaya's tone was firm: "We cannot handle this case in the conventional way."

Masakazu Yamada had racked his brains but still couldn't figure out how to handle this kind of case.

Now that Kiryu Yaya had an idea, he naturally listened attentively: "I would like to hear more details."

Kiryu Yaya slowly said, "This case will definitely fail if we rely solely on the bank's resources. But Section Chief, don't forget, I just mentioned another clue that can help us."

Masakazu Yamada's eyebrows twitched slightly: "You mean—"

Kiryu Yaya nodded: "That's right, it's Miyazawa fiber."

"President Miyazawa intends to enter the fiber industry. The acquisition of Marui Fiber is just her first step. She will continue to expand her fiber empire."

"Marui Fiber is a member of the Kansai Fiber Industry Cooperative Association, and has connections with them."

"In other words, Miyazawa Fiber is now 'one of us' in this group."

"Starting from this identity, we can access the member factories within the group, understand their actual operating conditions, and figure out how the group's capital pool actually operates."

He paused, allowing Masakazu Yamada to process his thoughts, before continuing, "As for the banks, we'll hold off for now. We won't initiate a credit review; we'll simply tighten our belts and stop issuing loans to the group."

"Once we have a clear understanding of the situation and a conclusion is reached with the Miyazawa Group, we will determine which companies will be retained and which will have their loans withdrawn."

Once we have a plan in place, we should act swiftly to recover our investment as quickly as possible.

After listening, Masakazu Yamada did not rush to express his opinion.

He leaned back in his chair, his gaze fixed on the eight photocopies of the files on the table, mentally reviewing every word Kiryu Yaya had just said.

Then he looked up.

"Your approach is indeed more prudent than directly initiating a credit review."

"Using Miyazawa Fiber's identity, we'll first get to the bottom of things. Once we understand the true operation of the group, we'll then decide which companies..."

Which loans to retain, which to withdraw, and which to integrate.

"This way, we can recover the debts without forcing the workers onto the streets, thus preventing the problem from escalating."

After saying that, Yamada Masakazu looked at Kiryu Yaya and said with admiration, "Kiryu-kun, although this is not the first time I have been amazed by you, I am truly impressed that you have been able to understand the logic of the bank, the factory, and the combination in such a short time."

"To be honest, in all my years of doing financing reviews, this is the first time I've seen this level of vision from a young person like you."

Kiryu Yaya bowed slightly: "I still want to thank Section Chief and Section Chief Chihaya for their guidance."

Masakazu Yamada waved his hand: "Don't I know whether I've mentored you or not? Don't flatter me, you should thank Section Chief Chihaya more."

After saying that, he paused, his expression turning serious: "However, my approval alone is not enough for this matter."

"It involves 400 million yen in existing debt and multiple banks. As the head of the financing review department, I had no [intervention/intervention]..."

Decisions are made independently by the authorized personnel.

He paused, then looked at Kiryu Yaya: "I need to report to the Matsumoto branch manager first."

Kiryu Yaya nodded.

"I understand. When is the section chief going?"

"Now."

Masakazu Yamada picked up the folder on the table, took two steps toward the door, then stopped, turned back to look at Yasuya Kiryu: "You come too."

"After all, you were the one who uncovered this case. Since you weren't there, I can't explain those details clearly."

As a branch manager, Takahiro Matsumoto always gets off work relatively late.

Fifth floor.

The branch manager's office is at the end of the corridor.

Masakazu Yamada knocked on the door, and Takahiro Matsumoto's voice came from inside: "Come in."

Takahiro Matsumoto was sitting behind his desk.

Seeing Yamada Masakazu and Kiryu Yaya walk in together, his gaze lingered on the two of them for a moment, then he put down his pen and leaned back in his chair.

"What's wrong so late?"

Masakazu Yamada walked to the desk and placed the folder on the table.

"Branch manager, there is an urgent risk matter that I need your review."

He opened the folder and pushed the top few pages of the file summary in front of Takahiro Matsumoto: "Kansai Fiber Industry Cooperative Association".

"Kiryu-kun and I just confirmed that at least eight member companies under this group have outstanding loans in our bank, totaling more than 400 million yen."

"The actual controller of the group has a triad background, and there is suspicion that the group defrauded banks of loans by using fake orders and fund transfers."

Matsumoto Takahiro's gaze fell on the few pages of documents, reading from the first line to the last, his brow furrowing slightly.

"I've heard of this group."