MC Bookstore Chapter 100 Kajiwara Masazō [2 Updates, Requesting Monthly Tickets]
Chapter 100 Kajiwara Masazō [2 Updates, Requesting Monthly Tickets]
Chapter 100 Kajiwara Masazō [Twenty Chapters, Requesting Monthly Tickets]
Masakazu Yamada didn't say anything, he just walked inside.
Chihaya Yuri followed in high heels, her expression even colder than usual.
Kiryu Yaya lagged half a step behind, his gaze sweeping across the courtyard.
The factory area is not large.
Several trucks were parked on one side, one of which had a flat tire, as if it had been sitting there for a long time without anyone taking care of it.
The workshop's roller shutter door was half-open, and the machines inside hadn't all stopped. You could still hear a few intermittent cutting sounds, but the sounds were sparse, and you could tell from the sound that the operating rate was very low.
There are also few workers.
They were in twos and threes, and their complexions weren't very good.
Kiryu Yaya withdrew his gaze, already certain in his heart.
This factory is completely beyond saving.
The three walked through the corridor and arrived at the president's office at the very back of the second floor.
The door wasn't closed properly.
A "click" sound came from inside.
Masakazu Yamada knocked on the door.
"Please come in."
There was no indication in his voice that he intended to get up and greet them.
Masakazu Yamada pushed open the door and went in.
The office wasn't small, but it was quite messy.
The ashtray was full of cigarette butts, and the table was piled with invoices, vouchers, contracts, and several open ledgers. One of the doors of the filing cabinet was not even closed properly, with papers slanted out.
The president of Higashi-Osaka Seiko—
Kajiwara Masazo was sitting in a leather chair behind his desk, legs crossed, a cigarette dangling from his mouth.
He was fifty-nine years old.
His hair was thinning, he had heavy eye bags, his tie was loose, and there was a coffee stain on his shirt collar.
Kajiwara Masazō held a cigarette in one hand and casually tapped the table with the other, saying dismissively, "Someone from Mitsubishi Bank."
"Please sit down."
There is a sofa in the office.
There were no teacups or hot water on the table, not even the most basic courtesy of "please have something to drink".
By Japanese hospitality standards, this is extremely poor.
Masakazu Yamada sat down on the sofa opposite, while Yaya Kiryu and Yuri Chihaya sat on either side of him.
As soon as he sat down, Kajiwara Masazō exhaled a puff of smoke and spoke first: "Let me make this clear, no matter what you ask today, the answer will be pretty much the same."
"The company is no longer operating. We've lost orders, we've lost money, and of course we can't repay the loans."
"Investigate if you want, seize if you want, make a false seizure if you want."
He twitched the corners of his mouth, revealing a smile that seemed to say, "That's just how things are now, anyway."
"There's nothing I can do."
Masakazu Yamada was clearly angry, but he suppressed his anger and looked at him, saying, "President Kajiwara, we didn't come here today to hear a helpless remark."
"Last September, Higashi-Osaka Seiko received 1 billion yen in financing from Mitsubishi Bank."
"Six hundred million was allocated to upgrade the precision machining production line, and four hundred million was used to replenish working capital. According to the statement at the time, the new production line should have been fully operational by March of this year."
"But the debt management department went to the site yesterday to confirm that Higashi-Osaka Seiko's operating rate is less than 40%."
"I want to know, where exactly did that 600 million yuan for equipment go?"
After listening, Kajiwara Masazō chuckled as if he had heard a very boring question.
"Where did you go?"
"The equipment has been purchased."
"The economy is in ruins, orders aren't coming in, and the equipment's just sitting there collecting dust. How can you blame me for that?"
Chihaya Yuri flipped directly to the documents, her tone sharp: "Your application states that eight new NC precision machining centers will be added to the second processing building, but when we just walked into the factory area, we only saw two new machines in the second processing building. The other six don't even have corresponding machine positions or foundations."
"Where are the remaining six units?"
Kajiwara Masazō's lips twitched.
Then, he continued to put on that "I'm completely rotten, there's nothing you can do about it" expression, and shrugged: "In the end, I didn't install the whole thing."
"The market is bad, and the equipment suppliers are dragging their feet; they've only installed a portion of it so far."
"The remaining money was used to pay wages, material costs, and cover the shortfall; otherwise, the factory would have had to shut down at the end of last year."
As he said this, he leaned back in his chair, his tone becoming increasingly self-righteous: "What? Isn't bank money meant for emergencies?"
"I can't just watch all my employees lose their jobs, can I?"
Masakazu Yamada's brow furrowed even deeper.
"So, you changed the purpose of the loan without authorization?"
Kajiwara Masazō, a cigarette dangling from his lips, said with a hint of mockery, "Does it matter whether it's done without permission or not?"
"Anyway, the money is gone, and the company is about to go under."
"Don't you think it's a bit too late for your bank to be asking these questions now?"
Kiryu Yaya sat to the side, remaining silent.
But from the moment he entered, he felt something was wrong.
It's not right.
He has seen far too many small and medium-sized enterprise presidents who have been driven to the brink of despair.
These kinds of people have several things in common:
Exhausted, anxious, eager to explain, eager to buy time, no matter how disheveled they were, they still wanted to squeeze a way out of the bank.
However, Kajiwara Masazō was not.
His attitude remained the same from beginning to end: "Do whatever you want, I'm broke anyway, do whatever you want."
This attitude is a bit too deliberate.
It's like someone who has hidden all their valuables, standing in an empty room, opening their arms to the debt collectors and saying:
Look, there's nothing there.
Kiryu Yaya's gaze fell subtly on Kajiwara Masazo.
Just then——
He activated the skill instinctively.
"The Banker's Eye"
The familiar semi-transparent interface slowly unfolded in his field of vision.
【Kajiwara Shozo】
Age: 59
[Position: Representative Director and President of Higashi-Osaka Seiko Co., Ltd.]
[Obvious Assets:]
1. Anonymous Swiss bank account (overseas): ¥330,000,000
"2. Sumitomo Trust·Money Trust: 1,200,000 yen]
"3. Postal savings: 600,000 yen"
「4.黄金现货·约36kg：63，000，000円」
5. Rokko Golf Membership: 8,200,000 yen
"6. Refund upon cancellation of lifetime insurance: ¥16,400,000"
[Hidden Assets:]
"1. An investment apartment in Abeno Ward, Osaka (registered under my lover's name, but under my actual control): ¥158,000,000"
"2. Two apartments in Higashinada Ward, Kobe City (held in someone else's name): 82,000,000 yen"
3. A plot of land in Minoo City (held in a nominee's name): 143,000,000 yen.
4. Land in Tsukigaku Parking Lot, Higashi-Osaka City (owned by relatives, effectively controlled): 96,000,000 yen
Total Assets: ¥899,000,000
[Liabilities:]
"1. Mitsubishi Bank's Higashi-Osaka Seiko Business Financing: 1,000,000,000 yen"
"2. Fuji Metal raw material procurement debt: 20,000,000 yen]
3. Accounts payable for Osaka Shintetsu Steel: 12,300,000 yen
4. Outstanding payments for leased parts at Yamada Sangyo factory: 9,600,000 yen
"5. Outstanding payment for precision outsourcing processing in Kita-Hanoi: 8,400,000 yen"
"6. Unpaid logistics shipping fees: 6,800,000 yen"
"7. Residence Gate 1: 9,300,000 yen]
Total liabilities: ¥1,066,400,000
Net assets: -167,400,000 yen
After the upgrade, "Banker's Eye" can reveal hidden assets and unusual information within your portfolio.
Looking at Kajiwara Masazō's asset list, Kiryu Yaya's pupils contracted almost imperceptibly.
Eight hundred and ninety-nine million.
This old guy actually hid so much money.
But more importantly—
Last year, when Higashi-Osaka Seiko conducted a loan review, Kajiwara Masazo's personal asset declaration form only stated:
I own a small house, a small amount of savings, and basically no other assets that I can dispose of.
But in the eyes of the banker before us:
Overseas funds, investment apartments in Abeno Ward, Minoo land, spot gold —
This is not simply a matter of business deterioration.
Kajiwara Masazo is deliberately trying to defraud people of loans.
Kiryu Yaya raised his head, and when he looked at Kajiwara Masazo again, his eyes had completely changed.
Masakazu Yamada pressed on, "President Kajiwara, I'll ask you one more time: why haven't the official acceptance forms and installation confirmations for that batch of equipment from last October been provided to the bank?"
Kajiwara Masazō impatiently stubbed out his cigarette in the ashtray, his tone even harsher: "Didn't I tell you? The market's bad! The equipment suppliers are dragging their feet! The factories are practically bankrupt, who has time to help your bank with paperwork?"