Also I do hope there'll always be someone who makes a summary that explain in a way that even a 9 year old can understand cuz legit all the financial terms and all that flew over my head. It's rough bruh.
What is there to understand? This chapter is short.
1. Background situation
Japan economy is in trouble, bubble burst, recession. Borrower cant pay the loan to the bank, so the bank cant get their money back. Huge amount of Non Performing Loan (NPL) will be announced in the audit, public know, public got worried, people withdraw their money from the bank.
This is why Naoyuki beg Runa to deposit money to the bank. Without fund, the bank will collapse.
2. Employment Ice Age
Read the explanation note and the flashback. Her previous life was from that era, where she slave away as temporary worker only, and finally died of overwork. Bubble burst in 1995, not recovering until 2004, and then financial crisis hit again in 2008 because that stupid Lehtan Broder.
In the game, Keikain Runa supposed to fall into ruin in 2008, right at the moment of financial crisis.
3. Bail out or Insolvency
It is true that the best way to solve the problem is to bail out the bank. Because there will be systemic impact to the economy if one bank banrupt, especially if it is big. In this case, Hokkaido Development Bank is big. Massive.
But the problem is, where the money came from? It need lots of money. And using public fund bring another set of problem. Generally people don't like their tax money is used to bail out bank - not their interest, not their benefit, it is waste of fund etc.
In truly heartless market economy, the view is just to let the bank die, along with all its employees, and it will free the asset. Create a new bank that will buy the asset and free from problem and debt.
Our heroine, defy this "common sense" and "this era", declare this one move (Take over bid) that will save one bank, and Japan economy itself.
