MTL - People Are In Tokyo, and the Peerless Raptors Are Also Afraid of Hatchets-Chapter 402 I always feel out of place for this guy's shamelessness

The person you just met commits suicide right before your eyes.

I felt like I was splattered with blood.

Naoo Nagano came to the office cursing.

Can't help sighing.

On the table are the papers organized by the little secretary.

Naoo Nagano picked it up and took a look.

During this period of economic decline, whether it is banking, securities, construction, or lumber mills, decoration companies and other industries, every day, large and small enterprises have difficulties in their operations.

While the exact state of operation of these industries is not known, it is conceivable how bad it is.

However, the performance of life insurance is ironic.

Since entering the second half.

The performance of life insurance increased by 3 basis points year-on-year.

Among them, the public pension contribution rate is due to the public burden rate raised by the Ministry of Health and Welfare on postponing retirement.

By convention, the increase in pension payment is 5%, but if you go down and kill all the people from 55 to 60 people, if you lose such a large amount of expenses, the increase in money is completely a drizzle.

So, with one addition and one subtraction, the club has made a lot of money in terms of pensions.

This is the advantage of having more tools.

So always let the ants die, but it is very unfavorable.

However, the proportion of life insurance has continued to increase, and many of them are life insurance policies transferred from banking institutions.

This has to say about the cooperation between financial institutions in Japan.

When a bank issues a loan, it is natural to make a comprehensive evaluation of the borrower's credit ability, credit history and repayment ability.

A person's past business behaviors, including loans, credit purchases, and business operations, can be traced. One-time default credit stains may cost a lifetime of refinancing.

In addition to credit checks, banks usually require borrowers to provide land, real estate and other valuable properties as collateral.

If the borrower does not repay, the bank can obtain the price of the mortgaged property by means of auction and sale based on the mortgage, so as to make up for the loss and control the risk.

Japan is different.

Japanese borrowing often does not require a mortgage, nor does it need to look at credit, as long as you have a driver's license, you can borrow money at will.

The reason why such a financial system is formed has a lot to do with culture.

No!

That kid didn't pay his debts, why does this shameful guy still have the face to live in this world?

so.

in this culture.

Japan has a very distinctive personal credit risk control system - life insurance.

When buying a house, large-amount consumer loans, personal business owners and other loans with large amounts and long terms, usually banks will require the borrower to take out life insurance with the subject of his death as the compensation object.

In this way, in the event of an unforeseen incident to the borrower, there is insurance payout available to repay the debt.

And life insurance here.

There is no card in life insurance.

Because according to social values ​​and related laws, life is priceless, and there is no limit to the amount of compensation.

Just like the Morinaga poisonous milk powder incident.

As long as those injured were alive, Morinaga had to pay compensation indefinitely until the end of everyone's life.

Also in this case.

In Japan, debts never die, even at the cost of death, and this system has led many borrowers to commit suicide to obtain insurance money in order to leave a house, land or factory for their wives and children to live in.

What does it mean to die to save face and live to suffer?

The Japanese, so to speak, have taken this to the limit.

Suicide is honorable, and debt is shameful. Once there is no hope, one will buy an insurance policy and commit suicide to pay off the debt.

It doesn't feel great.

Don't look, always want to take care of those wives who lost their jobs because of their husbands.

Can really come to the front.

It was inevitable that I was still a little unbearable.

Seriously.

It's all your own scum who are massacred!

The purpose is to use these ants as a tool for use.

All right!

These are tool people.

But even a dog has value as long as it exists!

The main thing is.

This kind of insurance that encourages suicide is really too much.

As soon as you buy it, you jump, and there is no compensation limit. If anyone buys a few hundred million and jumps, the club will have to pay for bankruptcy.

"Concubine. Contact Kurosaki-kun."

Concubine Kurata called, and when there was a response from there, Nagano picked up the phone and said, "Kurosaki-kun, it's me, Nagano."

"Hello Nagano-kun, I called you during your busy schedule. There must be something very important!"

"Yeah! In Japan Life Insurance, the proportion of life insurance has recently increased significantly year-on-year, and the suicide rate has also increased a lot. Therefore, I want to hold a general meeting of the association."

The so-called association.

Namely - Union of Life Insurance Associations.

This kind of group organization is a common phenomenon in Japan.

For example, the All Agriculture, Economic Union, Financial Union, Petroleum Union, Chemical Union and so on.

The existence of these alliances includes major consortia and small and medium-sized enterprises. You have me and I have you. It is difficult to tell who is more influential.

Usually, these alliance institutions are made up of directors or deputy heads of major companies as research members of the association, as well as directors.

As the most powerful life insurance company in Japan, Japan Life Insurance Co., Ltd. happened to be the member of the research team and the director of the association in this session.

Hearing this, Kurosaki sighed and said, "The economy is down. This kind of thing is inevitable. The association has already felt troubled, and I will immediately notify you to come to the meeting."

"Then ask Kurosaki-kun."

The time and place of the meeting were finalized.

Naoo Nagano hung up the phone.

Call Akeno Yuya.

The young minister, Fu Zuo, bowed ninety degrees as soon as he entered the door, showing enough awe.

During this period, the Deutsche Mark rose by 20 percent in a completely illogical trend.

As a result, Japan Life Insurance also earned several hundred million dollars in returns from its mark position in the spot market.

And the yen exchange rate.

It is also the same as Naoo Nagano predicted.

Although the central bank has cut interest rates three times in a row, the benchmark interest rate has dropped from 6.6 to 3.8, but the yen is still strong and has risen from 135 to 128.

Therefore, the yield of treasury bonds decreased year-on-year, and Life Insurance Asset Management invested this part of the funds in other markets, reducing losses and increasing revenue by five points.

There is nothing more admirable than creating value.

Even Ida Yoko, who mentioned this at the previous headquarters meeting, bowed to Naoo Nagano on the spot to thank him.

Although the others were dissatisfied, they had to bow together.

Because creating value is the only essence of the existence of everyone in the society, compared to using insider information to make money from Wall Street before, Naoo Nagano's foreign exchange earnings this time are all on his own.

"grown ups!"

Bow +1.

Akino Ariya lowered his head and did not dare to stand up at all.

Naoto Nagano was sitting, taking it easy, leaning back on the chair and saying, "Terino!"

"Romance!" Zhaoye Aiya raised his head, looking in awe,

Naoto Nagano's eyes filled with satisfaction, he nodded and said, "The economy is down, and the club will also face a lot of pressure. The asset management department will take on more important responsibilities. You have to be prepared."

"Romance!" Zhaoye Youwu lowered his head and looked ecstatic.

"Being able to earn hundreds of millions of dollars for the club, the position of Minister Fuzuo is a bit wronged for you."

"It's all the advice of the adults! If the adults didn't devise a strategy, a fool like Zhaoye might even consider shorting the German mark! Looking back now, being able to do things with the adults is really a smoke from the ancestral grave, and Sansheng is fortunate."

"Youxi Youxi! Then please continue to cheer!"

"It will definitely work hard!"

Gathered a minister.

Naoo Nagano is still very satisfied, the child is about to be born, and now he has to make some plans for the future.

This guy Zhaoye doesn't have much background. Although he used to follow Shimizu, human nature is full of selfishness and cruelty. When his subordinates climb to the top of his superiors, the hatred of being oppressed will definitely be more ruthless than his colleagues.

so.

Don't worry about betrayal by this guy at all.

And the natural stance, using the fight between the Akino and Shimizu families, is more conducive to his own adjustment of personnel.

On the same day, the application for the appointment of the Minister of Kansai Headquarters was submitted to the Headquarters.

Ida Heng held a meeting. After a very democratic proposal, his subordinates expressed that Akino Ariya has extraordinary abilities and strongly suggested that he be the head of the Kansai branch.

As for Shimizu Teruhiko, he was scolded and given a position as the president of Shimane prefecture health care.

Appointed down.

Shimizu's face was ugly to death.

Shimane Prefecture is the most economically devastated place in Japan, with a per capita monthly income of only about 2,000 US dollars.

This kind of place where the bird doesn't **** has nothing to do with it, and he is considered to be thrown into the cold palace by that **** in Nagano.

But in this power chase, he made a mistake.

To be able to have such an end is also self-inflicted.

Only after handing over the seal of the Minister, Shimizu drove to Shimane Prefecture to take office.

compared to the three major metropolitan areas.

Shimane Prefecture looks like a new countryside.

There are not many towering skyscrapers to be seen in the entire county, only a few small businesses, convenience stores and izakayas.

Real estate agents hang signs on the street.

The above price is simply unbearable to look directly at. One-family building covers an area of ​​300 stacks, with beautiful mountains and rivers, and is full of greenery.

Although the houses in Shimane County were not expensive in the past, from 320,000 to 32,000 stacks, Shimizu felt powerless to complain.

As a former elite in the financial industry, he knows that he is not wronged at all when he loses. That **** in Nagano is a peerless dragon in the general trend. He still wants to restrain him like tradition, but he can only say that he is blinded by lard.

Two hundred dollars a stack.

Freehold.

actual living area.

If you go to a convenience store and work for a month, you can buy ten stacks.

This kind of place should also be good for old age!

that's it.

Shimizu bought a house and started his own retirement plan with his wife and children.

On the other hand, Nao Naoo worked in the club for a day and returned to the new love nest he built with Oiko Kaibe.

Hear the doorbell.

Oiko Kaibu, who was cleaning the furniture with a big belly, stood up on her knees, and took a small step to open the door.

Seeing that it was Naoto Nagano, she smiled, bowed and said, "Master, you are back!"

compared to before.

This woman, who is always hot and hot, is completely out of shape at this time.

It looks like a big basketball is stuffed in his stomach, and his body is also much bloated. He wears a bun of a woman who is married to a woman. One hand gently strokes his stomach, and the other hand picks up Naoko Nagano's bag, from the inside to the outside. It smells like a housewife.

Naoo Nagano's heart, the taste is difficult to understand.

Every time I see Haibe turning his hair into a woman's bun because of himself, the lack of humanity seems to have received a call, retaining the gradually fading conscience.

love?

Not to mention!

Marrying with the Haibu family, on the road in the future, just open up the road a little bit.

But say no to love?

Possessing this woman, turning her into a woman, watching her flourish, watching her blooming, watching her belly bulge, and watching her waiting at home to give birth, it is inevitable that there is an indescribable tenderness in my heart.

"Idiot! How many times have I said that, don't bow again!" Naoko Naoto threw the bag on the ground, took Oiko Kaibe's hand, threw off his shoes, and pulled her onto the sofa.

Kaibu Xuzi was obviously a little unhappy: "If you don't bow, you will be laughed at by others, how embarrassing is that?"

"Who dares to joke? Believe it or not I'll kill him in minutes?"

"You're going to be a father, why are you so unreasonable?"

"What! Strength is built on strength. I am so powerful that even the daughter of the Prime Minister of the Cabinet is pregnant. Why should you be reasonable!"

"Disgusting, humiliating people with this kind of thing all day long."

Naoto Naoto Ile.

Pulling Oiko Umibe onto her lap.

I don't know if she is pregnant or not, worried that she is not attractive, Kaibe asked calmly: "Will it be heavy for two people?"

"It's a bit heavy! However, the **** seems to have gotten bigger! It's very comfortable!"

"Pervert! It's absolutely impossible now! Obasan was still explaining to me yesterday!"

"I'm not saying it abnormally. But the doctor said that it is stable now, so it shouldn't matter!"

"No way! What if I hurt the child?"

"Do you want that cute Oko-chan?"

"Of course not."

"Really? But why does the body already feel. Is it because the body betrays the will?"

"What?"

"Don't worry... it's alright, dear."

After a while.

It's time to eat.

After calling Liyuan Kazuko, Naoto Nagano drove the car, pulled his wife, and went to a nearby restaurant.

Compared to Okoko Kaibe's pot belly.

Li Yuan Kazuo's belly didn't look obvious at all, but after all, he was going to be a mother, so he stuck his ear curiously.

"Looks like the baby is kicking me!"

"I've been a little naughty recently. It must be a boy who said that it always hurts me to kick!"

"Then mine should be a girl! But there is no movement at all~www.novelbuddy.com~ It makes me a little worried."

"Isn't there any problem with the inspection? Don't worry! Maybe it's just a little quieter."

"Wen Jing is very disadvantageous to say!"

The three were eating together.

Two women chat about what to do next with baby and maternity supplies.

Nao Nao's fart didn't understand, he felt cold, and some complained: "I really didn't expect to be a father so soon, obviously he is still a baby! He even has to be robbed of food."

"It's not because you are too shy. You don't have to teach you a lesson."

"Sorry. I was wrong!"

"Humph!"

Because of the phone call.

Naoo Nagano went outside.

Seeing that this guy was not there, Li Yuan and Zi whispered, "Xuzi, are you really not going to marry this guy?"

"If you get married, you have to come back to be a full-time wife, it will be very boring!" Kaibe Ooko stroked his chin, and said a little upset.

"But in this case, the Haibu family's face will not be too bad. Besides, the master doesn't care about work, so he won't feel ashamed!"

"Speaking of this, it's been promised on the golden screen anyway, and it's fine!" Kaibe Ooko obviously didn't want to talk about this issue, and changed the subject: "Hako, have you noticed that straight guys are always weird. Say."

"Yeah! I always feel out of place for this guy's shamelessness!"

"Ah! You found it too!"

"But although it's shameless, it's still very likeable! And when I heard the straight man talking about you and you, you forced him to that, it must be because you think he's super cute!"

"Nani? Damn! Naoko Nagano, you are forcing me to do that kind of thing, how can you be so irresponsible?"

"..."