Tokyo Barrister: Start the law firm bankruptcy

Chapter 126 Agreement
Shimada reminded the male lawyer in front of him that he was not joking, and then looked around his law firm again.Recently, Shimada has been under a lot of work pressure.On the surface, Dongyang Bank is still in a thriving environment, but in fact, there are hidden reefs and crises inside.The bad debt rate of bank loans is quietly rising and is already approaching the warning value.Although the industry has used various means to cover up this fact, it is impossible for the big shots at the top to ignore this fact.

As a result, the task of reducing the bad debt ratio of loans has overwhelmed the managers of local branches.However, the economy is now booming again, and a large number of profitable business projects have been snapped up by many banks.In Ginza, there are urban legends about partying every night and getting rich overnight.

A somewhat paradoxical and bizarre phenomenon emerged.On the one hand, people spend money like water and indulge in pleasure, but on the other hand, the bad debt rate of banks is quietly rising.The presidents of the bank's sub-branches are under huge performance pressure to invest funds, and on the other hand, they are required to keep controlling the bad debt rate approaching the warning line.

This almost contradictory requirement has almost driven the presidents of various branches in Ruisui crazy.

Shimada frowned. If it wasn't because of the difficult and entangled situation right now, how could he come here because of this mere [-] million.In order to control all possible bad debts, even I have to go out frequently and personally.

well! !Dongshan Club's letter of credit project, I should have noticed the problem a long time ago.Usually, Higashiyama Club's cooperative bank is the Central Bank of Tokyo.I heard that a few days before the incident, a deputy director of the sales department of their sub-branch named Banze had already noticed that the financial situation of Dongshan Club was not right, so he terminated the business loan in advance to avoid losses.

It would be great if I found out earlier, Shimada stared deeply and clasped his hands.

"So, what's your solution?" Bei Yuan raised his head and asked, interrupting the somewhat silent atmosphere.

Hearing that the lawyer on the opposite side raised this question, Shimada was slightly surprised, and then gestured to the deputy next to him with his eyes.

The deputy next to him immediately took out another stack of papers from the briefcase and placed them on the table.

But I saw several large characters printed on the first piece of paper, "Advance Repayment Agreement."

"I think our bank should be very lenient." Shimada said, "We should have complained to the Tokyo Local Bar Association about the damage to the creditor's rights document. But we still chose to be lenient and didn't make things worse. I think, Let’s make a repayment plan first. Repay part of it first, and then you will slowly repay the rest in installments.”

"Return a part first. So how much is this so-called 'part'?" Bei Yuan smiled slightly.That smile was almost telling Shimada not to talk about the car anymore.

"Return 10% of the 5000 million yen in advance, which is [-] million yen." Shimada stared at the early return agreement on the table, crossed his legs, and said lightly.

Shimada said the word "5000 million yen" calmly.

A full 5000 million!
"5000 million yen", when Shimada said it, the pronunciation of each katakana was like a huge cold hammer swung at the male lawyer in front of him.A full 5000 million yen, it is impossible to pay it all at once.

However, the expression of the lawyer in front of him did not change, and it seemed that Shimada's plain but murderous words had no effect.

"When will the 5000 million be raised?" Bei Yuan said without changing his expression.

"At the end of this month." Shimada said coldly.

北原拿起水杯抿了一口热水，眼睛微微眯起来。这个月底必须拿出整整5000万。现在已经是5号了。距离月底只剩25天左右。川本高速一案的律师费有1600万，算自己把这1600万全部拿来填窟窿，也还差了整整3000多万円。这基本已经宣告不可能填补上这个窟窿。

Although the case of Kawamoto Expressway earned 1600 million yuan, there was a great element of luck in it, and the breakthrough of Kawamoto Expressway was discovered by accident.

Even if I am a god, I can't find enough sources of the case.

Moreover, it is only 25 days.

Even if I was lucky enough to get another case—although this is basically impossible, even if I found such a case, it would only take 25 days, and at most I would go to court to file a case, and the court hadn’t even opened yet, let alone Wait for the verdict.

"What if I refuse?" The corners of Bei Yuan's mouth curled up slightly.

"If you refuse, we have no choice but to apply to the court for personal bankruptcy." Shimada sneered, his eyes full of determination, "The deadline for the annual review of your lawyer's license is coming soon. There are regulations on whether personal bankruptcy restricts practice. But when it comes to the annual review of the practice license, I believe that the law enforcement agencies have a lot of discretion. If an individual is filed for bankruptcy and the annual review of the practice certificate fails, is it right? There's a problem. Well, I guess I don't have to make it too clear."

Shimada firmly believed that the young man named Beiyuan in front of him was definitely not innocent.He definitely made some sort of back-and-forth agreement with Director Eto.In order to take away the warehouse receipt worth [-] million yen, the Kitahara in front of him definitely took some benefits from the director Jiang Teng and came out to take the blame.

And he just wanted to force Bei Yuan to spit out the benefits of eating.

"With all due respect. Your plan is really stupid."

A cold male voice sounded.

In particular, the man's accent was placed on the word "stupid" at the end of the sentence. For a moment, the word "stupid" seemed extremely harsh.

The voice came suddenly, and Shimada didn't react for a while, until he heard that the word "stupid" in this sentence was referring to himself, his eyes suddenly widened a bit.

Bei Yuan said nonchalantly: "I'm sure you know that I am the attorney for the recent Kawamoto Expressway case. The amount of the lawyer's fees. I won't tell you, but you should be able to guess that it is quite considerable. But even so, It is impossible for me to meet this so-called 5 million request that will be collected at the end of the month."

"The amount below 5000 million, if we can talk, we will continue to talk. After all, the warehouse receipt is gone, and I am willing to return part of the money. But if you want to return such a huge amount as 5000 million first, it is impossible. You want For me to file for personal bankruptcy and make it difficult for me to pass the annual inspection of my lawyer's license, please feel free. But, Vice President Shimada, if I cannot practice normally, it will only mean that it will take longer to repay the arrears."

The young male lawyer in front of him answered the questions in an extremely methodical manner, without any sign of panic.

Shimada's expression then became more serious.In fact, he had no room for maneuver, and the disappearance of the Dongshan Club's pledged warehouse receipt had been covered up by him for a long time.Now, it's almost overwhelmed.Mizuho Shinjuku Sub-branch paid the money according to the letter of credit, but it has not been returned for a long time, so it will definitely be discovered.

The reason why he asked Beiyuan to return the 5000 million yuan first was to transfer the 5000 million yuan back to the bank in the name of "interest", so that the bad debt of Dongshan Club could be covered up for a longer time.Under the current industry atmosphere of high pressure to control the bad debt rate, if such a case of missing pledged warehouse receipts breaks out, it will undoubtedly be a fatal blow to his career in the bank.

Without this 5000 million, all that is meaningless.

Shimada raised his head and looked at Beiyuan seriously, and said coldly: "I'll repeat it again. At the end of this month, 5000 million yuan, not a penny less. Otherwise, we will apply to the court to bankrupt you personally."

(End of this chapter)