OBS Chapter 101 What a mess! [21st update, please vote!]
Chapter 101 What a mess! [21st update, please vote!]
Chapter 101 What a mess! [21st update, please vote!]
"Isn't it a bit too late for the banks to be asking these questions now?"
After saying that, Kajiwara Masazō leaned back in his chair, clearly adopting a "what's the worst that can happen?" attitude.
Masakazu Yamada's face was already quite grim.
Chihaya Yuri flipped through the documents, her brow furrowing slightly. Her fingertips hovered over the equipment acceptance forms that had been delayed for so long, but she didn't ask any further questions.
Of course, you can keep asking.
But both she and Section Chief Yamada could see that the man in front of them had completely given up.
You ask him a question, and he just replies with the same thing over and over again: "There's nothing I can do," "The money's gone," and "Do whatever you want."
Such people are not afraid of losing face or looking bad.
Just then, a semi-transparent interface suddenly popped up in front of Kiryu Yaya.
[New life options have been triggered]
[The president of Higashi-Osaka Seiko, Masazo Kajiwara, had already transferred and concealed a large amount of his personal assets.]
[His personal asset declaration form submitted to the bank contained significant falsifications, and the actual use of the 1 billion yen loan did not match the initial declaration.]
At this moment, you have three choices.
[Branch 1: Remain silent and proceed with the normal debt collection process.]
(Reward: Bank deposit increased by 1 yen)
[Branch 2: After the meeting, he privately reminded Section Chief Yamada to start the investigation by examining Kajiwara Masazō's personal assets.]
(Reward: Bank deposit increased by 5 yen)
[Branch 3: A public confrontation, directly exposing Kajiwara Masazō's concealment of assets and false declarations.]
(Reward: Bank deposit increased by 10 yen)
Kiryu Yaya stared at the three options for a moment, his gaze lingering on the fork in the road where he was to reveal his hand on the spot, before finally looking away.
It's certainly more satisfying to lay things out now.
But after the initial thrill, Kajiwara Masazō will most likely retreat back into his shell and stubbornly refuse to admit it.
Without any materials to present, Section Chief Yamada and Section Chief Chihaya would find themselves in a passive position.
The smell of smoke still lingered in the office.
Masakazu Yamada looked at Masazō Kajiwara and said in a deep voice, "President Kajiwara, that's all for today. Please have the equipment acceptance form, the flow of remaining funds, and the main payment details from the second half of last year to now compiled by today. We need to see these documents by tomorrow morning at the latest."
Kajiwara Masazō smirked, giving off an indifferent look.
"I'll try my best to find what I can. If I can't find it, don't blame me."
Chihaya Yuri neatly collected the documents page by page, her movements swift and efficient, her expression icy cold.
"Then please hurry."
After saying that, she closed the folder.
Yamada Masakazu didn't say anything more. He stood up, nodded slightly to Kajiwara Masazo, and turned to leave.
The three of them came out of the president's office, walked through the corridor that smelled of engine oil and dust, went downstairs, and only after leaving the office building and walking to the parking lot did Masakazu Yamada finally let out a long sigh of relief.
"What a mess."
He muttered a curse under his breath, loosened his tie, and his forehead was taut.
Chihaya Yuri held the documents, her brows furrowed.
"His words just now were full of contradictions. He himself couldn't even figure out how much he actually invested in equipment, or what gaps the working capital had covered."
Masakazu Yamada grunted in response, opened the car door, then stopped and looked back at the factory.
A worker was squatting by the wall in the courtyard, smoking. The smoke dissipated when the wind blew.
"Once we get back, we'll go through this case again. Especially Kajiwara's personal guarantee and last year's personal asset declaration—I just feel like—"
"Section Chief."
Kiryu Yaya suddenly spoke up.
Both Masakazu Yamada and Momoe Chihaya looked at him.
"I think we can add another line of investigation in addition to auditing the accounts."
Masakazu Yamada's expression hardened slightly.
"What line?"
Kiryu Yaya glanced in the direction of the office building and lowered his voice.
"President Kajiwara's personal assets."
Masakazu Yamada paused for a moment.
Chihaya Yuri was the first to react, her gaze falling on his face.
"You mean there's a problem with the personal asset statement he submitted?"
"I have no evidence."
Kiryu Yaya made his point first before continuing.
"But I feel that's not right."
"The president of a company that has been in the precision manufacturing industry for thirty years, when he applied for a billion-dollar financing last year, declared his personal assets to be almost too clean. He owned his own house, had a small amount of savings, and didn't even have any decent investment assets. This situation is rare in itself."
"Especially during the bubble economy years, presidents of companies in Higashi-Osaka who started with small workshops would usually have some assets. Small warehouses, parking lots, rental apartments, insurance payouts, or properties registered under their family members' names were all very common."
Masakazu Yamada didn't speak, but his expression gradually became serious.
Kiryu Yaya added, "Also, he was too arrogant today."
"People who are truly at their wits' end and have nothing left usually don't act like this. President Kajiwara has been giving up the whole time, as if he had already thought about the worst-case scenario."
"It feels like I've left myself an escape route in advance."
The area around the parking lot suddenly became quiet.
In the distance, the intermittent hum of machines could be heard from the workshop.
Chihaya Yuri held the documents, remained silent for a few seconds, and then suddenly spoke: "Actually—I feel the same way."
Masakazu Yamada looked at her.
Chihaya Yuri spoke quickly: "But no matter what, a change of purpose is at most a loss of control. However, false declarations of personal assets, accompanied by concealment or transfer, are entirely different in nature."
As she spoke, her eyes sharpened.
"If Higashi-Osaka Seiko's business has simply deteriorated, this 1 billion yen could easily be classified as an early incident by our company, and the blame would fall directly on our investigation department."
"However, if the borrower makes significant false declarations or even maliciously conceals debt repayment resources, there is a chance to shift the nature of the case towards the borrower's liability."
"So I think this line is definitely worth investigating."
After listening, Masakazu Yamada's eyes gradually brightened.
He understood what this meant.
"Section Chief."
Kiryu Yaya looked at him and continued, "I suggest that when we get back, we first retrieve Kajiwara Masazo's personal asset declaration from last year, information on his spouse and relatives, guarantee documents, and the flow of equipment payments."
"In addition, you can also check in several directions."
"Has his wife acquired any new real estate in recent years?"
"Have any large fixed-term deposits, insurance policies, or money trusts suddenly appeared among your relatives?"
"Furthermore, if he really misappropriated the equipment funds, the payment records from the equipment supplier would not match the actual quantity delivered."
"6
Masakazu Yamada stood still for a long time.
A few seconds later, he raised his hand and patted the car door.
"OK."
"Just follow this line."
After he finished speaking, he turned around and got into the car.
"Go back to the branch first."
"Chihaya, when you get back, dig out Kajiwara Masazō's personal guarantee documents and asset declaration."
"Kiryu, go through the equipment quotes, payment schedules, and factory renovation plans from last year when the loan was issued."
"I'll go to the debt management department and the general affairs department to see if I can retrieve the family relationship records and old files."
Chihaya Yuri immediately agreed: "Okay."
Kiryu Yaya nodded: "Understood."