sovbooks Chapter 42 14 Billion!!
Chapter 42 14 Billion!!
Kiryu Yaya did not hesitate at all.
It was launched immediately—
The Banker's Eye
My vision shifted slightly.
Soon, lines of information appeared before his eyes.
Miyazawahara
Age: 52
[Position: Executive Director, Miyazawa Group]
Annual income: Approximately 420 million yen
【assets:】
"1. Miyazawa Tourism Development Co., Ltd. holds 18% of the shares."
"2. Miyazawa Real Estate Development Co., Ltd. holds 11% of the shares."
3. Mitsubishi Bank's general deposits: approximately 640 million yen.
4. Sumitomo Bank's fixed deposits: approximately 380 million yen
5. Luxury residence in Ashiya City: appraised value of approximately 430 million yen.
"6. Investment properties in the port area: appraised value of approximately 1.08 billion yen"
Total assets: Approximately 6.094 billion yen
[Liabilities:]
"1. Mitsubishi Bank's joint guarantee for the Miyazawa tourism development project: 80 billion yen"
"2. Sumitomo Bank's Rokko Golf Development Project Guarantee: 5.06 billion yen"
3. Daiwa Securities - Margin Financing: 2.02 billion yen
4. Private borrowing and short-term loans between related companies: 1.04 billion yen
5. Miyazawa Soke's share pledge loan: 30 billion yen
"..."
Total liabilities: Approximately 20.02 billion yen
Net assets: -13.926 billion yen
Kiryu Yaya's pupils contracted almost imperceptibly.
Net debt approaching 14 billion.
Joint and several guarantee.
Tourism development projects.
Golf development.
Margin financing.
Short-term inter-company loans.
This man embodies almost every trait that makes a bubble economy most vulnerable to exploding into dust at its end.
Seiji Shiraishi is right.
The fastest runner isn't necessarily the safest.
But the most critical issue isn't the numbers themselves.
But the last one—
Miyazawa Soke's shares were pledged for a loan.
Three billion.
Zongjia Shares is the core holding of the Miyazawa family's controlling entity.
This is not the equity of a particular subsidiary, nor the rights to a particular building, a particular piece of land, or a particular golf course.
Pledging the main family's shares is equivalent to mortgaging the core assets accumulated by the Miyazawa family over generations, which represent the top-level control of all its subsidiaries and businesses.
Pledging something like this is equivalent to giving away your family's identity card to someone else.
From this perspective, Miyazawa Hara had long since extended his reach into the very roots of the Miyazawa family.
Something's not right, something's a million times wrong.
Kiryu Yaya let out a soft breath.
[The Operator's Obsession] —
use!
The halo of light before my eyes moved silently.
A pale golden character, visible only to him, slowly appeared beside Miyazawa Hara.
Like a mirror, it reflects the real undercurrents surging beneath that gentle smile.
[Voices from a Business Owner: Miyazawa Hara]
The people working at these banks are no different from hyenas.
"When the bubble was inflating, they were practically begging you for loans, inflating your property valuation by 20%, practically stuffing money into your pocket. Now that the bubble has burst, they're all pretending to be incorruptible officials, scrutinizing their accounts more meticulously than judges."
But this kid named Kiryu...
Kiryu Yaya's eyes narrowed slightly.
However, Shiraishi Refrigeration is ultimately only a medium-sized enterprise. Even if Seiji Shiraishi sees something, he won't be able to cause any significant trouble.
The real problem is the way Keiko looks at this kid. It's not as simple as just seeing him as an ordinary classmate.
"That's fine. It's better to distract her than to focus on the company. The more irresponsible she is right now, the easier things are for me. Ideally, she should find someone, get married, and leave, so she won't get in my way."
"Leaving the shares to her was the biggest mistake of my brother. What does a young girl know about business? If she were in charge, she could squander the family fortune in three months."
No, these things should have been my responsibility.
"I've served the Miyazawa family for twenty years, why should I hand over the reins to a little girl who can't even understand financial statements?"
As long as the pledged shares of the main family remain intact, everything is still under control.
"If we can hold out for another six months at Rokka Golf, and once the additional financing from Sumitomo is approved, the cash flow will be able to get back on track."
As for Huizi, let's get her to sign that letter of authorization first. Once the account permissions, seals, and bank counter are all handed over, it'll be too late for her to realize what's happening.
But just in case, we can't let Keiko have too much alone contact with him again.
The sooner the better.
Kiryu Yaya withdrew his gaze, his expression remaining unchanged.
But a storm was brewing in my heart.
He had considered the potential risks associated with Miyazawa Hara.
But he didn't expect that the man's situation had become so dangerous.
What I didn't expect was that Miyazawa Hara's mind was colder and harder than I had imagined.
In his heart, Keiko was not his brother's daughter, but a stone standing between him and the Miyazawa family's complete control.
There's also the pledge of the Zong family's shares.
Miyazawa Hara's mind was clear: as long as the funding chain continued, everything could remain a secret.
He didn't care about the risks of this pledge at all.
Because before the risk exploded, he had already planned to completely sideline Keiko.
By then, even if the main family's shares run into problems, the entire Miyazawa family will be dragged down with them.
Miyazawa Hara, on the contrary, was able to take advantage of the chaos to swallow up all the remaining things.
Kiryu Yaya picked up the teacup in front of him.
She used the act of drinking tea to conceal her tightened jawline.
Meanwhile, the branch manager of Matsumoto was still making polite, social pronouncements.
Sunlight streamed through the blinds, illuminating the cups and saucers on the coffee table.
The room was quiet and dignified, like a carefully framed painting.
But when Kiryu looked at Miyazawa Hara sitting opposite him, he felt that beneath that gentle and refined exterior lay a huge, silently bleeding hole.
Just then, Miyazawa Keiko seemed to have finally mustered up some courage, raised her head, and looked at Kiryu Yaya.
She did not speak.
However, a slight unease surfaced in those originally gentle and composed eyes.
Although she was uneasy, she was probably unaware of Miyazawa Hara's conspiracy.
The next moment—
The system interface popped up again in front of Kiryu Yaya.
[New life options have been triggered]
[Seiji Shiraishi's warning was not unfounded.]
[Before his elder brother's body was even cold, Miyazawa Hara began to gradually take over the management of the Miyazawa family business under the guise of "looking after it."]
On the surface, he is a considerate, gentle, and impeccable uncle; in reality, he has dragged the family's shares into his own debt quagmire.
[Keiko Miyazawa has not yet truly grasped the danger.]
She was just instinctively uneasy and, following your suggestion on Saturday night, called you here.
Right now, you're standing on the edge of a storm...