一時期、信用金庫の職員を目指したことがあります。理由は単純で恥ずかしいのですが、あるテレビ番組がきっかけでした。
日本テレビ系で日曜日の深夜に放映されている「ドキュメント」。普段のニュース番組では報道されることのない、日のあたらないテーマを取り上げる、とても良質な長寿番組で、２年前に「ドブ板信金マンと女社長」というドキュメンタリーが放映されました。東京三協信用金庫の保谷支店長と、先代が亡くなり、商売が傾きかけてきたカステラ屋さんの経営を引き継いだ三女の話です。
おっとりして、人はいいのだけれど、経営感覚と危機意識に欠ける女社長に、支店長はときに厳しい言葉を投げつけます。番組では、女社長が涙ぐむ場面もありますが、それもこれも「地元の零細企業を何とか立ち直らせたい」という支店長の熱意から。彼の地域で生きる会社への思いがひしひしと伝わってきます。
高級スーツに身を包んだエリート社員が、巨大なスクリーンを前に企業再生のプレゼンをするといったのとは違い、その支店長は、ちょっとくたびれたスーツで、靴底を減らしながら、カステラ屋さんに通いつめる。
やがて、女社長は、いままで出向いたこともなかった取引先を回り、ニーズを探って、新しい商品の開発を始めました。一方、彼女のがんばりを見た支店長は、今度は本社で、カステラ屋さんへの融資を承諾させるべく上司を説得します。
金融の仕事って、こういうものなのではないか。本来は経済社会の縁の下の力持ちであるべきなのに、なぜか前面に躍り出て、デリバティブと称する複雑な金融商品を開発したり、あげくは詐欺的なサブプライムローンで負債の山を築いたりする。
銀行は、晴れているときに傘を差し出して、雨が降ったときに返せという??こう言ったのは、日本でバブルがはじけた後、銀行から厳しい取り立てにあった多く中小企業の経営者の言葉でした。
東京都議会が新銀行東京に４００億円の増資を決めたというニュースを聞いて、「ドブ板信金マンと女社長」を思い出しました。中小企業支援のため、石原知事の肝いりで設立されたこの銀行。はたして行員は経営者を叱咤激励しながら、融資を決めてきたのでしょうか。
旧経営陣がすべて悪かったという石原知事の口ぶりや、自分たちに責任はないといわんばかりの都の調査報告を聞く限り、融資先と腹を割って一生懸命話し合う銀行マンの姿が思い浮かばないのです。
彼らは顧客であるはずの会社よりも、知事を始めとする上の人間の顔色を見て、仕事をしていたのではないか。
ちなみに東京都は、低所得世帯の児童が受験のために通う学習塾の費用を、無利子で貸し付ける制度を始めるそうです。これも何だか倒錯した話に聞こえます。本来、都の仕事は公立の小中学校を充実させ、塾に行かなくても済むよう、いい先生を増やすことにあるはずなのに。
塾産業がロビー活動でもしてんのか？ と勘ぐりたくなるようなこの制度。そもそも、こんな風に貸したお金って、きちんと返ってくるのでしょうか。
これまた回収不能となったら、誰が責任とるのか。都民は忘れないでおきましょう。
おっとりして、人はいいのだけれど、経営感覚と危機意識に欠ける女社長に、支店長はときに厳しい言葉を投げつけます。番組では、女社長が涙ぐむ場面もありますが、それもこれも「地元の零細企業を何とか立ち直らせたい」という支店長の熱意から。彼の地域で生きる会社への思いがひしひしと伝わってきます。
高級スーツに身を包んだエリート社員が、巨大なスクリーンを前に企業再生のプレゼンをするといったのとは違い、その支店長は、ちょっとくたびれたスーツで、靴底を減らしながら、カステラ屋さんに通いつめる。
やがて、女社長は、いままで出向いたこともなかった取引先を回り、ニーズを探って、新しい商品の開発を始めました。一方、彼女のがんばりを見た支店長は、今度は本社で、カステラ屋さんへの融資を承諾させるべく上司を説得します。
金融の仕事って、こういうものなのではないか。本来は経済社会の縁の下の力持ちであるべきなのに、なぜか前面に躍り出て、デリバティブと称する複雑な金融商品を開発したり、あげくは詐欺的なサブプライムローンで負債の山を築いたりする。
銀行は、晴れているときに傘を差し出して、雨が降ったときに返せという??こう言ったのは、日本でバブルがはじけた後、銀行から厳しい取り立てにあった多く中小企業の経営者の言葉でした。
東京都議会が新銀行東京に４００億円の増資を決めたというニュースを聞いて、「ドブ板信金マンと女社長」を思い出しました。中小企業支援のため、石原知事の肝いりで設立されたこの銀行。はたして行員は経営者を叱咤激励しながら、融資を決めてきたのでしょうか。
旧経営陣がすべて悪かったという石原知事の口ぶりや、自分たちに責任はないといわんばかりの都の調査報告を聞く限り、融資先と腹を割って一生懸命話し合う銀行マンの姿が思い浮かばないのです。
彼らは顧客であるはずの会社よりも、知事を始めとする上の人間の顔色を見て、仕事をしていたのではないか。
ちなみに東京都は、低所得世帯の児童が受験のために通う学習塾の費用を、無利子で貸し付ける制度を始めるそうです。これも何だか倒錯した話に聞こえます。本来、都の仕事は公立の小中学校を充実させ、塾に行かなくても済むよう、いい先生を増やすことにあるはずなのに。
塾産業がロビー活動でもしてんのか？ と勘ぐりたくなるようなこの制度。そもそも、こんな風に貸したお金って、きちんと返ってくるのでしょうか。
これまた回収不能となったら、誰が責任とるのか。都民は忘れないでおきましょう。
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