Zongman: Beginning and Snow under the Rain Escape from Raccoon City

Then, these warehouse receipts were used as collateral to obtain a total of 11.27 billion yen in funds from banks, which directly provided Deepsea Gold with a large cash flow while retaining more than six tons of gold.

Such a large sum of money is enough to allow Deepsea Gold to launch directly and at the same time provide sufficient funds to Deepsea Financial for lending business.

Next, let's look at the financing costs.

Even with such a large amount of funding raised, the annualized return on all interest, as well as the costs of gold appraisal, transportation, storage, and insurance, is only 4%.

That is, the cost of using funds is more than 400 million yen per year.

In order to revitalize the economy, Japan is currently offering very low interest rates on loans to businesses, especially for large loans like this.

But they show a completely different face when dealing with ordinary consumers.

The interest rate for all revolving credit limits is generally between 15% and 18%.

There is a difference of more than ten interest rates between the two.

If 10 billion yen were released, that would generate a profit of over 1 billion yen per year.

Therefore, in theory, Ye Hai only needs to ensure that the company controls the bad debt rate of loans, and he can make a fortune just by profiting from the interest rate spread.

……

Ye Hai originally thought that the company's loan business would only develop slowly, but he didn't expect that a few days later, someone would give him a big surprise.

"Boss, there's a loan that might require your approval."

On this day, Kentaro Yamamoto came to Ye Hai and said respectfully.

"Ok?"

"Didn't I authorize you? They're all small loans of a few million anyway. Can't you just have the reviewers look at the documents and make a decision?"

Ye Hai stopped playing on his phone, looked up at him with a puzzled expression, and asked.

Meanwhile, his personal secretary, Yuihama Yuka, was standing behind Ye Hai, massaging his shoulders with her hands.

"This time the amount of money is a bit large; he wants 100 million yen."

Kentaro Yamamoto lowered his head and handed out the materials in his hands.

"One hundred million?"

"A high-quality customer."

Ye Hai's eyes lit up; customers who could borrow so much money generally had pretty good credit.

But why would a customer like that come to their company?

People usually don't just go directly to the bank.

After Ye Hai opened the documents, he understood why the other party hadn't gone to the bank.

The bank's credit line has already been exhausted.

The assets were valued at less than 1 billion yuan, yet they already owed the bank 700 to 800 million yuan. How dare they still borrow money?

Although there were no overdue payments, such a high level of debt already makes them a high-risk customer.

After all, asset valuation is one thing, but how much can actually be sold for is another.

"Yamamoto, have you lost your mind? How could you take in a client who's already insolvent?"

Ye Hai slammed the document on the table in annoyance.

Kentaro Yamamoto waved his hands repeatedly: "No, no, it's not that I want to let it go! I had someone check again, and his daughter has another house under her name, conservatively estimated at 200 million yen. As long as she's willing to use it as collateral, this deal can be done."

Ye Hai's expression softened slightly: "Alright, bring them in."

The door was pushed open, and a man in a slightly worn dark gray suit walked in, bowing slightly: "Nice to meet you, Mr. President of Deepsea Financial. I am Nakano—Nakano Maruo."

"sit."

Ye Hai opened the document: "A loan of 100 million yen."

"This is not a small amount. Can you explain why you need this money?"

"And why do you owe the bank so much money?"

Nakano Maruo gave a wry smile: "Actually, our hospital was doing quite well a few years ago."

"It's all because of the pandemic. Most outpatient surgeries in hospitals have been suspended, which has led to a huge gap in cash flow."

"But the employees' salaries are a necessary expense every month."

"This is what led to our hospital's serious financial deficit."

"At first it was okay, we could just borrow some money from the bank to get through the difficult time."

"After all, we all thought the pandemic would end soon, but who would have thought it would last for two or three years."

"Although the pandemic ended later."

"But because our hospital has run out of loans from the bank, we can no longer pay salaries. Doctors have collectively stopped elective outpatient services and are only on duty in the emergency room. There are even fewer patients, which has created a vicious cycle."

Ye Hai tapped the desktop: "So, the debt was incurred over the past three years due to the pandemic; you had virtually no debt before that?"

"Correct."

Maruo Nakano looked up: "We originally had enough net cash on hand to last for another six months. We managed to stay afloat with two bank transfers, but those loans are all used up. Now the main problem is a broken cash flow."

"Can the doctors' strike be resumed?"

Ye Hai stared at him.

Maruo Nakano said, "They are demanding that half of the salary be paid before discussing recovery. We currently only have two floors of the inpatient department open, and the bed occupancy rate is less than 50%."

"Okay."

Ye Hai closed his pen: "Then let me make this clear: the pandemic is an objective fact, but the debt is yours."

“We’re not doing charity, so it’s impossible for us to lend you money at such a high risk.”

"Unless you're willing to mortgage your house."

Maruo Nakano said in a low voice, "The house is registered in my daughters' names. I want to leave them a way out."

"If you yourself don't dare to bet on your own ability to revitalize businesses, how can I trust you?"

Ye Hai spread his hands and asked.

Nakano Maruo remained silent for a long time, as if something was stuck in his throat, before finally saying, "Let me go back... and discuss it with them."

"can."

Ye Hai pushed the folder back, his tone indifferent: "Forty-eight hours. Bring the answer in the forty-ninth hour."

In the evening, the chandelier in the living room cast a warm yellow glow.

Nakano Maruo casually placed a thick stack of materials on the table.

He turned around, exhausted, and went back to his room. The door closed, and soon after, a suppressed cough came from behind, followed by the sound of the bed sinking slightly.

"I'm back--"

The rustling of slippers and a faint fragrance entered the room first.

Nakano Ichika changed her shoes, put on a thin knitted cardigan, and was about to go to the kitchen to get some water when she caught a glimpse of the filing table on the dining table.

She stopped, reached out and smoothed the cover, the faint smile on her lips disappearing.

Ichika rearranged the stack of documents and moved it half a space to the side.

She sat down, opened her laptop, and tapped her fingertips on the touchpad—

"Deep Sea Finance".

The search bar pops up with a "pop" sound: (This likely refers to a search engine or similar feature)

Is DeepSea Finance really fast? [DeepSea Finance Customer Service] [DeepSea Finance Security]...

"How come it's an online lending company? Has Dad's hospital deteriorated to this extent?"

Ichika Nakano frowned.

She knew that unless the bank was unable to issue loans, her father would never approach such a company.

Chapter 195 Hachiman Hikigaya's Failed Pursuit

"Using the house as collateral..."

Ichika Nakano hesitated for a moment.

The house is listed with the names of all five sisters, but not their father's.

One reason is that the house was a gift from their father when they bought it.

On the other hand, it is precisely to prevent the situation we see today from occurring.

The assets were divided in advance.

After all, the principle that you can't put all your eggs in one cage is understood by almost everyone in the world.

As the eldest of five sisters, Ichika Nakano took on the responsibility of caring for her younger sisters from a young age after her mother passed away.

Although they are quintuplets, they are all the same age.

But an older sister should be aware of her role.

Ichika Nakano felt it was now necessary to call a family meeting with her four younger sisters.

She wanted to help her father through this difficult time.

But this requires the unanimous agreement of Nino, Miku, Yotsuba, and Itsuki.

Thinking of this, Ichika Nakano took out her phone and started sending messages in their five-sister group chat.

……

"He has already escaped from Japan..."

On the beach of the Northern Territories, Hachiman Hikigaya stood staring blankly to the northwest.

That's the direction of Siberia, Russia.

Two days have passed since he entered the Silent Hill world and returned to the main world.

In just the last two days, Ichiro Tanaka was able to escape overseas.

At this point, Hachiman Hikigaya was completely unable to catch up.

Unless he flies directly across the Sea of ​​Japan on his wings.

The problem is, even if he is a vampire baron, he is not confident that he can fly that far.

Physical exhaustion is a problem.

More importantly, the sea is extremely rough, and if you are accidentally swept into the sea by the strong winds, you will be in big trouble.

But if we don't fly.

Then you can only apply for a visa and travel there by plane or ship.

This method has no other problems, except that it takes too long.

Once he gets to Russia, who knows where Tanaka Ichiro will run off to again.

Furthermore, tourist visas have time restrictions.

Even Hachiman Hikigaya might not be able to find Ichiro Tanaka within the time limit.

"Brother, it's alright, you've done your best."

Hikigaya Komachi comforted her from the side.

She could tell that her brother was very uneasy.

Hachiman Hikigaya glanced at his sister, his eyes softening slightly.

"I know."

He answered in a low voice.

“But if we let it go, he’ll definitely still kill people over there. Even if I can’t catch him, I have to warn others.”

Komachi Hikigaya blinked: "You mean... call the police (ACFA)?"