In Tokyo, even the most fierce dragon is afraid of the hatchet

Nagano Nao shook his head secretly.

It's just that life insurance in Japan doesn't pay salaries based on commissions. Otherwise, it would be better for you guys to worry about your salaries in other countries.

at this time.

There seems to be some commotion outside.

Went over to take a look.

When I looked up, I saw that the guy who bought insurance just now had actually run to the upper floor of the building opposite.

Ok.

I have to say that the buildings in Kyoto are not very tall.

There are only about ten floors.

But jumping down from such a high height probably wouldn't be too easy.

What the hell!

There was no preparation at all.

The guy above jumped down.

There were screams all around, and many people covered their eyes.

The rude guy was lying on the ground twitching all over, with blood at the corners of his mouth and staring at the sky with lifeless eyes. It was obvious that he was beyond help.

I said it a little annoyingly, after all, we just met.

What’s even more fucked up is that people commit suicide after buying insurance!

This is too much!

Chapter 392 I always feel out of place because of this guy's shamelessness

The person I just met committed suicide in front of me.

I felt like I was splattered with blood.

Nagano Nao came into the office cursing.

Couldn't help but sigh.

On the table were documents sorted by the secretary.

Nagano Nao picked it up and took a look.

The economy has been in a downturn during this period, and businesses large and small are having trouble operating every day, whether in the banking, securities, construction, lumber mills, decoration companies, and other industries.

Although we don't know the exact operating conditions of these industries, we can imagine how bad they are.

However, the performance of Shengbao is ironic.

Since entering the second half of the year.

Life insurance performance increased by three basis points year-on-year.

The public pension contribution ratio is due to the increase in the public burden rate by the Ministry of Health, Labor and Welfare due to delayed retirement.

According to convention, the pension increase is 5%, but this cut will wipe out all the people aged 55 to 60. With such a large expense cut, the increase is just a drop in the bucket.

So, adding one thing and subtracting one thing, the company made a huge profit in the pension area.

This is the advantage of having many tools.

Therefore, it is very disadvantageous to always let ants die.

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

This has to do with the cooperation with Japanese financial institutions.

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

A person's past business activities, including loans, purchases on credit, and business operations, are all documented. A credit stain from defaulting on a debt may result in a lifetime of difficulty in obtaining financing.

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

If the borrower fails to repay the loan, the bank can, based on the mortgage right, use auction, sale and other means to obtain the price of the mortgaged property, thereby compensating for the loss and controlling the risk.

Japan is different.

Japanese loans often do not require mortgages or credit checks. As long as you have a driver's license, you can borrow money at will.

The formation of such a financial system has a lot to do with culture.

No!

That guy actually owed a debt and didn't pay it back. Why does such a shameful guy still have the nerve to live in this world?

and so.

In this culture.

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

When buying a house, taking out a large consumer loan, taking out a personal business loan or other large-amount, long-term loans, banks will usually require the borrower to purchase life insurance with the borrower's death as the compensation object.

In this way, if something unexpected happens to the borrower, the insurance compensation can be used to repay the debt.

And on Shengbao's side.

There are no cards in the area of ​​life insurance.

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

Just like the Morinaga toxic milk powder incident.

As long as those who were harmed are alive, Morinaga will have to pay compensation indefinitely, until everyone's life ends.

It is also in this case.

Japan has always had a system where debts are not extinguished even after death, and debts can even be repaid at the cost of death. This system has led many borrowers to commit suicide to obtain insurance money in order to leave behind a house, land or factory for their wives and children to live on.

What does it mean to die with dignity and suffer in life?

It can be said that the Japanese have taken this to the extreme.

Suicide is glorious and being in debt is shameful. Once you see no hope, you will buy an insurance policy and then commit suicide to repay your debts.

It doesn't feel very good.

Don't always want to take care of the wives whose husbands have lost their jobs.

But it’s really here.

It's inevitable that I still feel a little bit reluctant.

Seriously.

It’s all because of these scums like us who are causing the massacre!

But the purpose is to use these ants as tools.

Ok!

These are all tools.

But even if it is a dog, as long as it exists it has value!

The most important thing is.

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

It jumps as soon as it is bought, and there is no upper limit on the compensation. If someone comes to buy hundreds of millions and jumps, the company will have to pay the compensation and go bankrupt.

"Afei. Contact Kurosaki-kun."

Kurata Himiri made the call, and after waiting for a response from the other end, Nagano picked up the phone and said, "Kurosaki-kun, it's me, Nagano."

"Hello, Nagano-kun. You're calling me in your busy schedule. It must be something important!"

"Yes! In Japan Life Insurance, the proportion of life insurance has increased significantly compared with the same period last year, and the suicide rate has also increased a lot, so I want to hold a general meeting of the association."

The so-called association.

That is – the Alliance of Life Insurance Associations.

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

For example, the All-Nong Federation, Keidanren, Cailian, Petroleum Alliance, Chemical Alliance, etc.

The existence of these alliances includes major financial groups and small and medium-sized enterprises. It is difficult to say who has more influence.

Usually, these alliance organizations are composed of directors or vice-directors of major companies who serve as research members and directors of the association.

Nippon Life Insurance is the most powerful life insurance company in Japan. This year, the Kansai headquarters will serve as a member of the association's research group and a director.

Upon hearing this, Kurosaki sighed and said, "The economy is in a downturn. This kind of thing is inevitable. The association has also felt the difficulty. I will notify everyone to come to the meeting immediately."

"Then I'll leave it to Kurosaki-kun."

The time and place of the meeting were finalized.

Nagano Nao hung up the phone.

Call Zhaoye Youwu.

The young assistant minister bowed 90 degrees as he entered the door, showing enough respect.

During this period, the German mark rose by 20 percent in a completely illogical trend.

As a result, Japan's insurance company also earned several hundred million dollars in returns on its mark positions in the spot market.

And the Japanese yen exchange rate.

It was just as Nagano Nao predicted.

Although the central bank has cut interest rates three times in a row, from the benchmark rate of 6.6 to 3.8, the yen remains strong, having risen from 135 to 128.

Therefore, the yield on treasury bonds declined year-on-year, but Shengbao Asset Management invested this part of the funds in other markets, reducing losses and increasing returns by five percentage points.

There is nothing more admirable than creating value.

Even Iida Yoko, when this matter was mentioned at the previous headquarters meeting, bowed and thanked Nagano Nao on the spot.