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It's no secret that the business of personal consumer credit is so lucrative that many apps have launched financial services.
But what was unexpected was that this business turned out to be the richest man, and the richest man in the world's second-largest economy at the time.
He is the legendary Japanese businessman Yasuo Takei, a brother of the Japanese business community at the end of the 20th century.
Growing from a grocery store guy to a super rich man is quite inspirational to think.
But behind the glamour, there is too much dirt hidden, even mixed with blood. His path to heaven was built on the foundation of pushing many people into hell.
Born in 1931 near Tokyo, Japan, Takei helped out at his mother's grocery store. When I was in middle school, I was just in time for the late period of World War II, and I entered the Army Flight School before I graduated.
At that time, Japan was exhausted, and many pilots were welded to the doors of aircraft and launched suicide attacks on American warships. With the end of the war, 14-year-old Takei Yasuo escaped this fate and hastily transformed into a social man.
But what can a teenager who has not graduated from junior high school do in society? He could only work odd jobs, sell vegetables, work as a railway clerk, and mix with the black market, barely making ends meet.
When people have no money, there are the most bad people.
Takei Hoshio, who was bullied by his boss and foreman, secretly vowed to do something.
And his definition of success is: "If you leave a lot of money, posterity will think how great that person is." ”
A gentleman loves money and has a way of getting it. Takei Hoshio doesn't care so much, what he does is not important, the key is to be able to make money.
With a nimble mind, he gradually understood the rules of business and made a fortune by selling rice on the black market. And a trip to the United States allowed him to find a way to get rich.
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In the 1960s, Japan's economy grew rapidly, and the people's desire to consume was expanding.
In 1966, he went around the United States and found that the personal consumer credit business was very prosperous in the United States stimulated by the concept of advanced consumption.
This business is really very profitable, and the prospects are bright. After returning to Japan, he used the money he earned from pouring rice to create Fuji Corporation, which specializes in small loans.
Although his office is only 12 square meters, he has a unique vision and ambition. He decided to make money from women first, and targeted housewives initially, because they had a strong sense of shame and better credit than men.
What's more, he often appeared in high-end neighborhoods in suits and leather shoes, observing clothes drying on the balcony. And on the grounds of convenience, request the use of the other party's bathroom, so as to make a final risk assessment.
"You can't lend it to a housewife who doesn't clean the kitchen or toilet, but to a housewife whose children wear clean clothes."
With this unique risk control model, he lent money mainly to housewives who ran the family, and indeed it was a great success, and his wealth grew like a snowball.
In just 8 years, he has accumulated a lot of wealth, and his ambitions have continued to grow. In 1974, he renamed the company Takefuji, and with the arrogant nickname "Yen Shop", he extended his tentacles to various fields in Japan.
"It's better to lend a lot of money to a business than to lend a lot of people a small amount of money." This is not only less risky, but also more profitable. Japan is a good country for operating credit. Because no matter how poor the lender is, he will think about paying it back. ”
What if you run into someone in arrears? He had already thought of countermeasures, using the power of black and white to force the other party to repay the loan. He not only befriended the underworld, but also had contacts with the police, forming a huge network of interests.
At one point, the interest rate of Wufufu's lending reached a staggering 29.2%, and countless people still paid for it. At a time when Japan's economy is soaring, there are crazy people everywhere.
The interest rate they raised was only 1.85%, and this astonishing profit made the company quickly grow into an industry giant, and even pushed him to the throne of the richest man.
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Fast forward to the 1980s, and Takei had become Japan's super-richest man. With a wave of his hand, he spent 8 billion yen to build a 1,840-square-meter villa on the western outskirts of Tokyo, costing 3 million yen for just one pillar.
Heated swimming pool, sky-high foreign wine, full of high-ranking friends, victorious friends gathered, Takei Hoao talked loudly, looking down on all sentient beings.
He especially likes to collect some of the aphorisms he has spoken and ask employees to recite them. Personal photos were also posted at the company to make people bow and greet them as they commuted to work.
Many employees compliment him and praise him for caring about employees like dad, so work harder for dad. He was happy with the title, and the employees were happy to shout.
Although the five tones are incomplete, he likes to sing. At one point, he even invited a famous male star to sing the classic song "Spring of the Northern Kingdom".
He was also particularly authoritarian, superstitious, and stingy, but none of these shortcomings could stop him. By 1990, japan's economic bubble burst, and not only did he not suffer any losses, but he went to the top.
Because under the huge inertia, the Japanese have long been accustomed to the life of paper drunk fans. Instead of curbing expenditure, he indulged in various carnivals, even if he borrowed money, he had to spend.
Financial companies have blossomed, and Takefuji has even spent a lot of money on TV commercials. Sexy girls wore tights and danced to dynamic music, ending with the name "Takefushi".
In 1993, another financial firm worked on self-service borrowing equipment. Applicants only need to fill in their personal information and then communicate with the central credit review agency through the camera to complete the assessment and loan.
Borrow money, no face at all, unprecedented convenience and speed. Japan's youth are going crazy, and financial companies are making money more efficiently.
At the end of 1998, Takefushi was successfully listed on the Tokyo Stock Exchange. A year later, Forbes magazine was ranked Japan's richest man, and Takei Ranked First in Japan with $7.8 billion in assets.
But under the peak, there are constant scandals flowing out, and even human lives have been caused.
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In 2000, the famous journalist Shunsuke Yamaoka investigated the shady scenes of The Takefushi Company. In order to prevent him from being exposed, Takei Sent a beautiful publicist and promised a huge sealing fee.
But Shunsuke Yamaoka is a tough bone, money is not wanted, beautiful women do not want, and warned them not to do this again.
When Takei saw that this plan could not be achieved, he had another plan in his heart. He went so far as to authorize the formation of a "wiretap team" to eavesdrop on Shunsuke Yamaoka's phone calls and family.
After tasting the sweetness, Takei Became Obsessed with Eavesdropping. Suspicious, he authorized to eavesdrop on multiple reporters, and even eavesdropped on some of the company's top executives.
On the other hand, in Japan this year, as many as 9,000 people committed suicide due to economic problems, accounting for about 1/3 of the total number of suicides in Japanese society.
Borrowing money for a while, paying back the crematorium, many people collapsed because of violent collection.
"They not only collected from their parents and other relatives, but also entered people's houses without authorization, intimidating the elderly and children, and some children even suffered from depression."
Women who could not repay their debts, especially girls on campus, embarked on the path of trafficking in the flesh. "Aid communication" began to rise in the 1990s and is still a persistent problem in Japanese society.
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Two years later, a taxi driver who owed more than ten million yen broke into the Takefushi branch and set fire to it. In the end, 5 people were burned and 4 others were burned.
The arson shocked Japan, and the media dug deeper and published "The Cruel Story of Takefuji". At the end of the year, Takei Yasuo's "eavesdropping scandal" was exposed, which was a serious crime.
On December 2, 2002, the 4th anniversary of The launch of Takefuji, the police suddenly appeared and escorted Takei to the car. He was forced to resign as president and was eventually sentenced to 3 years in prison with a 4-year suspended sentence.
Due to various scandals, former friends are scattered.
In 2006, the 76-year-old Takei died of liver failure, still with a fortune of $5.6 billion, ranking second in Japan's rich list, behind SoftBank President Masayoshi Son.
In the same year, the Japanese government tightened financial controls and hit the personal consumer credit business hard.
According to the new regulations: "The annual interest rate of lending money to individuals shall not exceed 20%, and the amount shall not exceed 1/3 of the annual income of the lender." The previous excess interest will be refunded to the lender in its entirety. ”
In the latter article alone, Takefuji will prepare $24 billion to return to about 2 million people. Just four years later, the empire collapsed, leaving behind a huge debt of $5.1 billion, which was eventually acquired by a South Korean company.
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There is nothing new under the sun, and history is like a stopped top, whipped and continued to rotate.
After Japan, a similar problem occurred in South Korea and Taiwan. In the final analysis, it is a scourge sown by encouraging advanced consumption.
Nowadays, the concept of advanced consumption is blowing Chinese mainland, and even many technology platform advertisements can be seen, such as a certain person who has been criticized before: "The day of a family of three, no matter how carefully calculated, the daughter's birthday must also be decent." ”
There is also a certain article that is also powerless to complain, the mother of a migrant worker wants to vomit on a plane, asking if she can open the window, and naturally she was mercilessly ridiculed. The flight attendant advised him to upgrade, but his balance was seriously insufficient.
Unexpectedly, a boss behind him said: I will pay for the upgrade. Only to see him operate as fiercely as a tiger, holding the mobile phone of a migrant worker, helping him open a certain article, and then use it as he pleases, so he does not have to be ridiculed.
At that moment, just in time.
The wren nests in the forest, but a branch; the mole drinks the river, but is full. For us ordinary people, in fact, only a small amount of money is needed to meet daily needs.
The terrible thing is that some people's thinking is seriously biased and blindly pursues a life that far exceeds their own conditions. Spend future money and refine your current self.
But who can be sure that their lives are not a little unexpected. What if a parent gets sick? What if wages go down? Maybe even be unemployed?
Once you don't pay back the money, do you know how many routines will be waiting ahead? Just in March this year, there was also a cruel news that 89 people committed suicide because of the death loan, and they could not bear the debt.
The protagonist of the famous comic strip Dark Gold Ugly Island Jun said: "Money can be borrowed from you, but you will go to hell." This sentence deserves everyone's vigilance.
Takei's story is a wake-up call.
Only when the family has surplus grain can we not panic. You must know that you are debt-free and light, and you can do what you can, so that you can be worthy of your future self. Text/Ling Fox Empty