There Are No Villains in My Regression - Chapter 106



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There is no villain in my return episode 106

Shinwoo hung up the phone and looked at the bag next to him.

After giving 60 billion won to Geum Na-yeon, the remaining amount is 30 billion won in bearer government bonds.

This alone is a significant amount of money.

“Don’t you think 60 billion won from Sanoh Savings Bank is a waste?”

Oh Cheol-gi asked.

Although I secretly brought it to him at Shinwoo’s order, he didn’t understand.

“curious?”

When Shinwoo’s gaze fell on him, he lowered his head.

“I apologize if this was an off-topic question.”

A bald head, muscular body, and dark skin.

Oh Cheol-gi may look like a typical gangster on the outside, but he uses his head before his fists.

Not only does he have a fair amount of work to do, he also faithfully carries out any tasks he is given.

And I also have a desire to learn.

“Your father farms?”

“Yes. He grows Kyoho grapes in Cheonan. He works as a security guard during the non-farming season.”

“Are you helping your father with the farm too?”

“Yes. I will come and help you only when I am busy.”

Shinwoo nodded.

“Then you know a lot about farming. What do you have to do before the fruit ripens?”

“……You have to fertilize the soil and cut the branches of the vines in advance. You also have to cover them with bags before they bear fruit.”

Besides that, pesticides are also sprayed and a lot of work is required.

“The same goes for San-O Savings Bank. If you manage it well, won’t it bloom and bear fruit with marketability? That 60 billion is just a small amount of fertilizer.”

“…….”

It’s easy to understand if you explain it using a farming analogy.

Besides, it would be difficult for Shinwoo to use Sanoh Savings Bank’s bonds anyway.

He might be able to sell it cheap to loan sharks who are after it, but that would only leave his tail hanging.

“Thank you. It broadened my perspective.”

“It’s important to be curious so you can know if your actions are consistent with your values.”

You can’t trust someone who just blindly follows.

It’s just like a hunting dog that runs to its opponent and bites them on command.

He only thinks about the piece of meat that will be given to him later.

What do humans live by?

If there are 100 people, all 100 of them have different standards.

Shinwoo took out the envelope he had prepared from his bosom and handed it to Oh Cheol-gi.

Each of the ten envelopes contained 5 million won.

“Everyone has had a hard time because of this. Share it with your employees.”

“thank you.”

“I’m going to take a few days off this time to give my parents some pocket money and buy them some delicious food.”

He additionally handed Oh Cheol-gi an envelope containing 5 million won.

His head bowed deeper.

“At least while you’re here with me, feel free to ask questions and express your opinions. We’re a corporation, not a gang.”

“……Yes, sir.”

It’s not like Shinwoo just gives without reason.

It gave them a sense of belonging and broke down any remaining guard.

Oh Cheol-gi will reveal more of his true feelings to Shin-woo.

‘There’s no harm in being careful.’

And the end of this matter remained.

‘Hansooah.’

She played a big role in dealing with Jeon Dae-gil and Haneulteo, but I can’t just leave her alone.

Oh Cheol-gi instructed her to continue to monitor her.

And of course, she couldn’t break her bad habits, so she brought people from Daegu and set up a house.

It’s the exact opposite of what I said I would do to live an ordinary life.

Shinwoo passed on information about Hansooah to Choi Kiyeol, who had been chasing her for a long time.

Not long after, Han Soo-ah appeared at the prosecutor’s office in handcuffs.

It was a splendid celebratory event preceding Choi Ki-yeol’s declaration of candidacy.

After being stripped bare for several days, Han Soo-ah finally admitted to her crime and received a prison sentence.

In the meantime, there is absolutely no talk about Shinwoo.

‘Because they’d think I was a National Intelligence Service agent from the start. I’d be more afraid of them finding out.’

* * *

Winter vacation began right after the second semester final exams.

Unfortunately, I failed the second test announced in December.

Not only that, but the same goes for Park Eun-ji and Yoon Ye-sol.

They all shook off their regret by having a beer together.

What’s surprising is that Choi Tae-young and Lee Jun-ki, who seemed like losers, passed the second test and the third interview and made it to the list of final successful candidates.

“They say studying is all about your butt and time, and I guess that’s true. I thought you were so careless, but you passed.”

“You can’t ignore the experience. Let’s definitely pass next year!”

Despite their envy, Choi Tae-young came to find Shin-woo in a hurry.

The stock price of Protestant Chemical, which seemed to be rebounding for a moment, plummeted endlessly.

After the three pieces were broken, even talk of delisting began to emerge.

Choi Tae-young, who was holding on to it until the end, was dying.

He met Shinwoo separately and asked to borrow more money.

The first time was difficult, but it got easier from the second time on.

“How much more can I lend you?”

“Fifty million won. No, wouldn’t it be less than 100 million won for someone like you?”

“Are you sure you’re going to invest more in Protestant Chemical?”

“Are you crazy? It’s over there. I heard from someone I know that there’s a stock that will go up tenfold in the future. I’m going to put it in there.”

Of course he asks for it because he passed the exam.

“As expected, you are so confident. I should learn from you.”

“You punk. You can join too. I’ll give you all the genealogy I’ve seen.”

Shinwoo transferred 200 million won, not 100 million won.

Choi Tae-young looked at Shin-woo with wide eyes.

“You are now a lawyer, so this is a little too much. I ask for your continued support.”

“You punk. As expected, you’re my little brother.”

In a good atmosphere.

Shinwoo didn’t forget to get the loan certificate.

He signed it roughly as if it were his usual thing and passed it on.

This brought the amount owed to him to 150 million won at a monthly interest rate of 1.8%.

If you bury it for a few years, it will quickly grow into a snowball.

Throughout winter vacation, Shinwoo only focused on studying.

That kind of life continued throughout my second year.

And the second test I took felt better than last year.

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At least there were no problems that I couldn’t understand.

“If I’m lucky, I might get it?”

And December, when the second year and 2003 were coming to an end.

Shinwoo finally received his acceptance letter.

* * *

The year 2004, which began with heavy snow, was a very complicated year politically and economically.

In March, for the first time in constitutional history, a motion to impeach the president was passed, resulting in the prime minister taking over as acting president.

There the prosecution revealed the blade it had been hiding.

A large-scale investigation was conducted into the illegal election funding incident that occurred during the 16th presidential election held in 2002.

A special investigation team was launched, led by Prosecutor Kim Gwang-ho, known as the “Knife Man,” to investigate people directly or indirectly involved in crime.

An investigation without any sanctuary revealed that numerous businessmen, politicians, and civic groups had received bribes.

Eight incumbent members of the National Assembly were arrested, all ten of South Korea’s largest corporations were searched and seized, and their CEOs were summoned one after another for intensive investigation.

“The prosecution has made up its mind.”

It’s literal.

People who normally didn’t know how high the sky was bowed their heads in front of reporters after receiving huge fines.

The prosecution clearly showed that their swords were not rusty.

As the chilling political issues began to die down, economic problems reared their heads.

The credit card crisis, which has been a social problem since 2002, continued this year, causing people to close their wallets.

In addition, the Korean economic market had its worst year due to the sudden interest rate hike in the United States, the surge in international oil prices in the Middle East, China’s austerity policy, and foreign investors’ selling spree following the impeachment of the president.

In this chaotic situation, the National Assembly elections were held.

Most of the candidates appealed for support by calling for political reform and economic improvement.

Fortunately for Choi Ki-yeol, who was a prosecutor until recently, this is a time when the public perception of the prosecution is improving.

He also lost his approval rating and received a gold badge with blind votes.

“What a lucky person.”

2004 was also a very good year for Shinwoo.

Naver, which invested 10 billion won, finally rose to the top of the search engine rankings in South Korea and became the top company in terms of market capitalization on KOSDAQ.

System Mipo Dockyard, which invested 30 billion won there, literally hit the jackpot.

The stock price, which had been rising steadily since the announcement of the record for receiving the largest number of orders worldwide, has risen more than 100-fold in just two years.

“You’re crazy. You’re crazy.”

Jang Dong-gi was amazed by the fantastic stock price increase, and Choi Ji-seong, who is an economic layman, was also speechless.

“Is making money this easy?”

“No way. Representative Kang is special. 100 times!”

To be exact, it’s not 100 times.

Since I invested when the market cap was small, I bought it gradually so as not to be swayed by the stock price.

The profits earned in this way are only about 18 times after deducting taxes.

“Tsk tsk. Only 18 times! It’s hard to get that much in private loans these days.”

30 billion had ballooned into an absurdly large sum of 540 billion.

What’s even more surprising is that all of this money is Shinwoo’s personal funds.

After deducting the amount invested in Oranigen and Naver, the custody fee for the Swiss account, and the interest on the 180 billion won borrowed from Sanoh Savings Bank, which is 28 billion won, about 510 billion won remained.

“That’s enough money to buy empty land and build a few large apartment complexes on your own. What are you going to do with that money?”

“It’s an investment. There’s still something bigger to come.”

The global economic crisis that began in 2007.

Everything now is just a prelude to that time.

Shinwoo deposited the money into a Swiss bank account and changed it all into dollars.

[Mr. Kang. This is our bank’s sincerity.]

Marcel sent a gift along with a letter of appreciation.

It includes three suits, shoes, a watch, and a luxury bag.

“You seem to have a natural talent for making money. But what are you going to do with all that money?”

Kim Tae-seok, along with Jang Dong-gi, also asked the same question.

Shinwoo only said incomprehensible things that you would know if you watched him every time.

What he was aiming for was something that couldn’t be done with just a lot of money.

‘Cheonwoo Industry.’

Chairman Geum is a smart person.

Not only did he take full ownership of the stake, he also used various methods to maintain it.

The first of these is to purchase stocks of large corporations in installments under another person’s name.

The huge amount of money earned by Geummusan was used in that way.

What South Korea’s conglomerates fear more than their lives is management rights.

There is no company among the top 100 that is outside his influence.

That’s how he developed his dominance.

‘Geummusan is trying to become the economy of the Republic of Korea itself.’

The process is still ongoing.

Shinwoo needs to gain more control to defeat him.

But no matter how much I think about it, it’s impossible to buy that huge amount of stock.

So he is thinking of taking over Cheonwoo Industries itself.

If Lee Yeon-soo has a stake, it’s not impossible.

And the very first step is to swallow up Sanoh Savings Bank.

The reason lies in the complexly intertwined structure of the Cheonwoo industry.

‘EL Non-Life Insurance, of which San-O Savings Bank holds a 55% stake, and Gyro Electronics, of which EL Non-Life Insurance holds a 72% stake.’

Although they are gyro electronics that do not perform well, they have enormous value that does not match their performance.

It is a whopping 0.8% of Cheonwoo Industries’ shares.

Geummusan is one of the places where the stakes are tightly hidden.

The reason Shinwoo is trying to eat San-O Savings Bank is to eat it.

This entire process must be carried out carefully without Geummusan’s knowledge.

‘I guess I should start laying the groundwork now.’

Shinwoo gathered the executives of Kangho Investment Development.

Even so, it’s all Kim Tae-seok, Choi Ji-sang, and Jang Dong-gi.

“A meeting? We don’t usually do that. What’s so urgent about this?”

“I’m going to sell my stake in Little Dragon Village.”

“Huh? Are you selling the goose that lays the golden eggs? And you haven’t even seen the benefits yet?”

It may seem that way.

But it will take another 10 years for that golden egg to see its full value.

It may be better to sell it now at a high price with high hopes.

“Don’t worry, I’ll make sure you can sell it for a fair price.”

“Hmm. If you say you’re going to sell it, people will line up to buy it. But whether they can buy it at a reasonable price is another matter.”

“I’m going to sell it to San-O Savings Bank.”

I have specified the target for sale, not even the first priority.

Kim Tae-seok looked at her with questioning eyes.

There is no way you wouldn’t know about the news that has spread recently regarding Sanoh Savings Bank.

“It can’t be because we borrowed 180 billion won…….”

There is enough money.

Shinwoo solved everyone’s questions in this place with just one word.

“San-O Savings Bank. I’ll take it.”

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