Watari got up from the ground. He couldn't believe what happened in front of him. This was the consultant lawyer in the Finance Department! He actually brought him into the bank!!! If he told this, it would be a strange story in the banking industry!

Invite personnel from regulatory agencies into the bank.

This is to invite wolves into the flock.

What's more, giving the access rights of the internal system to the lawyer with ruthless means in front of him?!

"Hanzawa...Hanzawa...you...you!" Watanabe was so scared that he couldn't speak.

Watanabe pulled Hanzawa aside, lowered his voice and said, "Hanzawa!!! Are you crazy? Why do you want to join forces with the Finance Department?!"

"I believe this Kitanohara lawyer." Hanzawa said confidently.

"Believe it? Oh my god, do you want to turn the tables on the bet on this lawyer?!"

"Yes, I'll put all my bets on this Kitahara lawyer." Hanzawa looked at Kitahara who was in the office.

"It's crazy, it's really crazy." Watanabe murmured, "I'm crazy too. I actually helped another lunatic and sent an investigator from the Finance Department in."

Watari had no choice but to see that Hanzawa trusted this lawyer so much, so he could only believe it.

There is a computer in the office.

Watari's hands that even pressed the boot button were trembling.

After all, if things were discovered today, they would be traitors to the bank.

It's the kind that wants to be on the death penalty.

The computer screen flashes.

Soon, the employee's login interface pops up.

"Hanzawa, I advise you to think about it." said Watanabe. "Any employee's access record can be seen from the Information Department. The night before the permission is stopped, if you access a large amount of project information within the bank, you will definitely be locked by the Information Department. Hanzawa, are you ready for this?"

"It doesn't matter if I'm ready." Hanze turned to look at Kitanhara, "It's important if Kitanhara lawyer is ready. What materials do you want to obtain through the bank's internal system? You can tell us now."

The words fell.

Hanze directly entered his account number and password on the keyboard—

Logged in to the system.

The two bankers in the office all looked at Kitahara.

"The guess I want to verify today is very simple." Kitahara said, "That is, if Fukube Real Estate's 30 billion yen loan is not a covered loan, then where is the bad loan that is really covered?"

As soon as the words come out.

Watanabe almost fell off his chin, "Wait, Kitahara Lawyer! Do you mean that in addition to Fukumoto Real Estate's 30 billion yen bad loan, the Tokyo Central Bank has another 30 billion yen bad loan?!"

The male lawyer in front of him just smiled and said nothing.

Watari's heart suddenly sank to the bottom of the sea.

This means that the Tokyo Central Bank may face a major violation of up to 60 billion yen to cover up non-performing loans!

It's over!

The bank is over!!

"Let's listen to lawyer Kitano continue to talk." Hanze said from the side.

"I believe that your bank must be looking for another non-performing loan of 30 billion yen." Kitahara continued, "but, judging from the expression of Deputy Hanzawa, you seem to be making progress. You have not found this truly hidden loan until now."

Watanabe looked at the lawyer with a suspicious look.

After all, he also helped Hanze see the loan project information in the bank.

The only thing that matches it is Fu Ben Real Estate’s loan.

They reviewed other projects like magnifying glasses and I don’t know how many times they have looked back and forth.

However, none of them, the bank's professionals, found the problem. Can this lawyer find out?!

Kitahara continued, "Before the Finance Department, we also collected a lot of loan project information from banks. However, after investigation, we found nothing. However, I believe that this 30 billion yen bad loan must exist, but it was covered up in some form."

The next second, the voice of Beiyuan sounded—

"What if the 30 billion yen does not exist in the form of a loan."

No...not in the form of a loan?!

In Hanzawa and Watari's mind, it seemed like something was lit up in an instant.

Before, it was darkness that had been missing.

Now, there seems to be a ray of light!

For some reason, the two bankers were inexplicably excited, and they suddenly felt that they were about to get close to the truth.

Kitahara took out a briefcase from the Tokyo Central Bank, turned on one of the pages, and pointed, "You Tokyo Central Bank established an asset management subsidiary about 3 years ago."

Hanzawa nodded, "Yes. Because the regulatory indicators are becoming more and more stringent now, we need to set up an asset management company to acquire some of the bank's own non-performing assets."

Kitahara looked at the internal bank system in front of him and said, "If this loan was released through an asset management company, you should know that the asset management company itself is taking over various types of bad debts. If the asset management company provides financing services in violation of regulations, it is difficult to find this hidden bad loan among the piles of bad debts."

Hearing this, Hanzawa and Watari's eyes were already wide open.

They understand what Beiyuan is talking about.

Kitahara means that the asset management subsidiary of the Central Bank of Tokyo provides financing through false acquisition of debt rights!!!

【False acquisition of debt financing】

[The main business of an asset management company is to acquire bad debts and conduct asset management. However, if the asset management company colludes with the debt transferor and creates a debt claim and agrees to be acquired by the asset management company. Then the amount of acquisition of bad debts actually becomes a loan]

[For example, you fabricate a 10,000 yen debt and then transfer it to the asset management company at a price of 3,000 yen. The asset management company knows that this is false, and its real purpose is to provide you with a loan of 3,000 yen. So it chooses to take over the debt and provide you with a loan in the name of acquiring the debt]

Hanzawa and Watari were immediately impressed by Kitahara's keenness.

Indeed, they searched through various loan projects of the bank

From regular commercial loans, to bill financing, factoring business, etc., they can't find the 30 billion yen loan hidden.

However, after all, this asset management company that has been established for a few years is missing!!

The inertia of bankers taking it for granted made them miss this place.

It was an asset management company that took over non-performing loans, so they jumped over and ignored it!!
Chapter completed!