Takagi Yusuke's Test [Please Subscribe]

Chapter 255 Takagi Yusuke's Test [Please Subscribe]

Takahiro Matsumoto continued, "During my years in office, I often heard the lower-level staff mention this group, but I always treated it as an ordinary industry association and didn't delve into it in depth."

He looked at Kiryu Yaya: "Kiryu-kun, how did you discover this clue?"

Kiryu Yaya didn't hide anything: "Through Miyazawa, the president of the Miyazawa Group. She recently acquired a factory called Marui Fiber, which happens to be a member factory of the group."

"During my investigation, I discovered the unusual operating pattern of the group, and then followed the clues to find these loans."

Matsumoto Takahiro nodded slightly, without asking for further details.

He placed the summary back on the table, clasped his hands together in front of him, and remained silent for a moment.

"Section Chief Yamada, what are your suggestions for handling this matter?"

Masakazu Yamada turned his head and glanced at Yasuya Kiryu, then briefly reiterated the idea the two had just discussed: "Two parallel approaches. The banks will remain on hold for now, not initiating a credit review, and will tighten new credit lines for the group. At the same time, by utilizing Miyazawa Fiber's already embedded identity within the group, we will ascertain the group's true operational status and the structure of its capital pool."

"After we have enough information, we will decide which companies to retain their claims, which to withdraw loans from, and which to dispose of through industrial consolidation."

Matsumoto Takahiro listened quietly without immediately offering any comment.

His gaze fell on the folder, and after a few seconds, he slowly spoke: "This approach is indeed more prudent than directly withdrawing the loan."

His tone was exactly the same as Yamada Masakazu's earlier.

"However, he raised his eyes, looked at Kiryu Yaya, and then at Yamada Masakazu: "This case involves not only eight companies and 400 million yen in loans, but also yakuza backgrounds and coordination with multiple banks. Our Osaka branch's financing review department alone is not enough."

Masakazu Yamada nodded slightly: "What the branch manager means is—"

Matsumoto Takahiro didn't answer immediately, but shook his head.

He then took a new document out of his desk drawer, glanced at it, and then looked up.

"What I mean is not important."

"You've probably heard about this. I'm being transferred back to Tokyo this week, so you'll need to coordinate with the new branch manager regarding this case."

"Deputy Minister Takagi Yusuke, you've probably already heard about it, haven't you?"

Masakazu Yamada nodded.

Matsumoto Takahiro continued, "Since Vice Minister Takagi is taking over, he will make the final decision on this matter. I have already confirmed with the head office that Vice Minister Takagi will officially assume his post next Monday."

"Before I leave office, I will conduct a written handover with Vice Minister Takagi, listing this matter as a major risk issue that is currently being addressed," and hand it over to him.

He looked at Kiryu Yaya: "Kiryu-kun, you're the one who discovered this, so you're responsible for following up on it."

"I will issue a formal document tomorrow appointing you as the acting head of this operation."

"Once the new branch manager takes office, you should report the progress directly to him."

Kiryu Yaya was slightly taken aback.

"Branch manager, can I report directly to the branch manager?"

"right."

Matsumoto Takahiro's answer was straightforward: "This case needs someone to keep pushing it forward within the bank. Section Chief Yamada, as your direct superior, will provide support, but the frontline information gathering and judgment will be your responsibility."

"The branch manager's personnel change will not affect this arrangement."

"After the new branch manager takes office, compile the progress into a written report and personally hand it to him."

After finishing speaking, Matsumoto Takahiro gently closed the folder and pushed it back in front of the two of them.

"This matter should not be publicized for the time being."

"Kiryu-kun, you should already have a clear understanding of how difficult this matter is. There are internal bank procedures to adhere to, external collaborations to deal with, and coordination issues involving multiple banks."

"Now that you've pulled the thread out, you have to be prepared to finish it off."

Kiryu Yaya met Matsumoto Takahiro's gaze and nodded.

"I understand, branch manager."

Matsumoto Takahiro didn't say anything more, just waved his hand: "Go."

"Yes."

The two turned and walked out of the office.

The door closed gently behind me.

The corridor fell silent for a moment.

Masakazu Yamada stood at the elevator entrance, pressed the down button, and glanced at Yaya Kiryu.

"This matter is even more complicated than the one involving Higashi-Osaka Seiko, and there's not much we can do to help."

He paused for a moment, then said with a sincere and earnest tone, "Kiryu-kun, if you feel too much pressure, we can try a different approach now."

"I can transfer the case to the debt management department, where they will handle it according to standard procedures. Although the final outcome may not be..."

As you suggested, but at least you wouldn't have to take on so much responsibility.

Kiryu Yaya was silent for a moment.

Then he shook his head and said with a smile, "Section Chief, I'm not the kind of person who would walk away halfway through."

Masakazu Yamada looked at him, and after a few seconds, chuckled softly.

"it is good."

The elevator doors opened, and the two stepped inside.

"Then let's go with your plan."

"Let me know as soon as there are any developments with Miyazawa Fiber."

"it is good."

The elevator doors closed, and the floor numbers began to change.

At the same time, the system panel appeared in front of Kiryu Yaya's eyes.

[Bifurcation 3 Selected – Two-Pronged Approach: Risk Reporting and Industry Integration Proceed Simultaneously]

[Task Completion: A Significant Breakthrough]

[Rewards are being distributed —]

[Reward Skills & Industry Landscape Map]

[After use, the system will automatically integrate publicly available registration information, bank credit data, and internal industry transaction records to generate an interactive industry relationship diagram.]

[Can be used once daily]

Upon seeing this skill, Kiryu Yaya's eyes lit up slightly.

Now is the time to race against time.

He originally intended to use the banker's eye to scan each one one by one.

But now that we have this skill, it's very convenient to investigate the current situation of these companies.

Although the data may not be very in-depth, it is still possible to get a general idea of ​​a company's operating status.

Kiryu Yaya immediately returned to his desk, took out his notebook, and prepared to work overtime.

Without hesitation, he silently recited in his mind:

Activate skill

Industry overview!

The system interface then flipped in the field of view, and a semi-transparent 3D structure diagram slowly unfolded.

The center is the "Kansai Fiber Industry Cooperative Association," which radiates outwards to more than 30 lines, each of which ends with a company name.

The factory names were arranged by size and direction of capital flow, some closer together, others loosely placed on the edge.

Kiryu Yaya observed that Marui Fiber was located in the lower right corner of the chart, with a thin connecting line and funds flowing out in the upward direction.

Following Marui's lead, he found another factory, "Osaka Chemical Fiber Processing".

This company's lines are more than twice as thick as Marui's.

That factory was one of the eight he found in the files, with a total loan of 120 million yen, and it was currently making normal interest payments.

As shown in this chart, Osaka Chemical Fiber Processing received a large number of orders from outside the group.

The funds from these orders did not go through the pooled public funds, but were directly deposited into Osaka Chemical's own account.

In other words, Osaka Chemical Fiber Processing is not just "receiving blood transfusions," it also has its own independent ability to generate its own blood.

This differs from Kiryu Yaya's initial assessment.

He originally thought that all the member factories were like grasshoppers tied to the same rope by the group, and that they would go wherever the group pulled them.

However, it now appears that at least some factories have not completely lost their ability to survive independently.

Kiryu then looked at the other seven companies that needed attention.

The semi-transparent structural diagram was unfolded again, and this time he clicked on the details of each connecting line one by one.

Kiryu Yaya mentally reviewed all the information and wrote six words in his notebook: "Safe | Dangerous | Bad".

He categorized the eight companies one by one:

Safe options include: Osaka chemical fiber processing, Takatsuki fiber products, and Matsubara sewing.

Dangerous: Refining in Kita-Kawachi, weaving in Ibaraki.

Those that have become problematic include: Higashi-Osaka Textile, Sakai Fiber Industries, and Tomitabayashi Processing.

A safe company is one that can survive independently; combined orders and cash pools are merely icing on the cake for it.

If the portfolio's plates break, they will be affected, but they won't collapse immediately because they have their own customers, their own channels, and their own cash flow.

The two companies in danger currently appear to be doing well, but if the combined funds are tightened, they will quickly become non-performing.

The three companies with poor credit are already overdue.

For banks, these are already assets that need to be disposed of.

After this classification, Kiryu Yaya's countermeasures had already begun to take shape.

For the three non-performing loans, the bank's standard procedure is to follow the procedures of the debt management department:

Collection, guarantee disposal, litigation, and finally write-off.

However, the Kansai fiber industry collaboration is different. If the conventional approach were followed, the assets of these three companies would be quickly transferred by Shuhei Yasuda.

Since the bank is going to take it away anyway, it's better to transfer it to Shuhei Yasuda at a low price and make a profit.

Therefore, the most appropriate approach for these three companies is to complete the acquisition negotiations in the name of Miyazawa Fiber before the bank's recovery proceedings are initiated.

Under the guise of "industrial integration," equipment, workers, and customer resources are stripped from the debt shell of the old legal entity and injected into a new entity.

In this way, the bank can recover some of its debts, Miyazawa Fiber can obtain existing production capacity, and those workers will not lose their jobs or be displaced.

However, before that, we still need to persuade Keiko Miyazawa to expand production capacity.

Before that, we need to show Keiko Miyazawa, or rather the Miyazawa Group, the potential of Miyazawa Fibers.

Kiryu Yaya already had a vague idea about this.

As for the two dangerous companies, Kita-Hawaii Refining and Ibaraki Weaving.

If left unchecked, they will inevitably slip into the "bad" range within six months.

However, if the loans are withdrawn now, they will collapse immediately, and may even cause other factories in the portfolio to collapse prematurely.

Therefore, the best approach for these two companies is to first establish cooperation with them through Miyazawa Fiber's channels, using orders or OEM contracts to gradually pull them out of their dependence on the combination.

Once these entities have their own independent cash flow, banks can adjust their credit structures in a normal manner without triggering a chain reaction.

After thinking all this through, Kiryu Yaya leaned back in his chair and closed his eyes for a while.

These two paths sound clear, but in reality, each step has its own set of pitfalls.

Fortunately, there's no rush.

First, push Miyazawa Keiko's side forward, and then ask Takagi, the deputy head—no, I should say Takagi, the branch manager.

Kiryu Yaya was somewhat curious.

I wonder what kind of person Branch Manager Takagi is, and whether he will support his actions.

Meanwhile, in Tokyo.

In an apartment building in the Minato Ward, Yusuke Takagi sat on the living room sofa, holding a glass of whiskey that had gone mostly cold.

On the coffee table in front of him lay a folder with the words "Osaka Branch: Personnel and Business Overview" printed on the cover in small print.

He had already read most of it, with only the last chapter left to read.

He picked up his wine glass, took a sip, closed the folder, leaned back on the sofa, and closed his eyes for a while.

Kouyu Mai's words were still echoing in his ears: "He told you to be careful of a newcomer named Kiryu Yaya."

The name of a newcomer was so unusual that a former executive minister specifically brought it up while he was in detention.

This in itself is enough for him to take a second look.

After thinking about it, he decided to make a phone call.

I dialed the number, it rang twice, and then it was answered.

Yusuke Takagi said, "Hey, Toudou."

Takafumi Todo smiled and asked, "Deputy Director Takagi—no, Branch Manager Takagi, what's the matter that's so urgent calling so late?"

Yusuke Takagi chuckled, "Haha, you're joking. I haven't officially taken office yet, so please call me Vice Minister."

He paused for a moment, then got straight to the point: "Toudou, we've known each other for a long time, so I won't beat around the bush. I'd like to learn about a newcomer named Kiryu Yaya in the Osaka branch's financing review department."

There was silence on the other end of the phone for about two seconds.

Takafumi Todo's voice rang out again: "Kiryu Yaya—why would the branch manager suddenly become interested in him?"

"It's just to find out about the staff at the branch in advance."

Yusuke Takagi picked up his whiskey glass, but didn't drink. He just swirled the rim around in the glass. "After all, I'll be taking up my post next week. I need to get to know the people I need to know beforehand."

Takafumi Todo remained silent for a moment on the other end of the phone, as if he was carefully considering his words.

"Kiryu Yaya joined the company in April, and it's been a little over two months now. He graduated from the University of Tokyo and has been working in the Finance Review Division since joining."

He paused for a moment before continuing, "This newcomer is indeed quite extraordinary. In just two months, he's handled cases that are getting bigger and bigger."

"Fuji Metals' loan fraud case, Shiraishi Refrigeration's control financing, Miyazawa Group's 8 billion yen debt risk, Higashi-Osaka"

Seiko's bad debt recovery—every single one is related to him.

"Furthermore, the branch manager of Matsumoto values ​​him highly. Not long ago, he even nominated his name for the store's youth talent exchange program."

Yusuke Takagi listened quietly, then his lips twitched slightly: "Sounds like a rather outstanding newcomer."

"That's true. Their professional skills are virtually impeccable."

Takafumi Todo paused for a moment, then added a layer of meaning to his tone: "However, within the bank, opinions about him are not entirely consistent."

"Oh?"

"He works quickly and is very opinionated. But sometimes he seems too proactive. Both Tsuyoshi Iwakura and Shinji Miki have publicly criticized him, saying that he is too sharp and outspoken."

At this point, Takafumi Todo softened his tone, as if leaving room for maneuver: "Of course, those voices were eventually silenced. Minister Ogaki also publicly spoke out in his defense."

Yusuke Takagi held the receiver, his eyes slightly narrowed.

"Did Kiyomasa Ogaki speak out on his behalf?"

"Yes. This was somewhat unexpected even within the branch."

"Minister Ogaki is the kind of person who always seeks stability and is unlikely to stand up for a newcomer."

Takafumi Todo's tone carried a hint of caution: "Later, there were some rumors that Kiryu Yaya might have some connections, but no one could say for sure what those connections were."

"There's one more thing, I'm not entirely sure about—"

Yusuke Takagi narrowed his eyes: "What?"

Takafumi Todo slowly said, "Managing Director Nakajima summoned Kiryu Yaya privately last week."

Yusuke Takagi stopped holding the whiskey glass.

"Managing Director Nakajima? A private meeting?"

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