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Zentoshin可能偽造帳目長達20年——實際債務達605億日元

Wed, 08 Jul 2026 12:00:00 +0900

隨著善都信破產案的展開，長期會計詐欺的證據已經曝光。據東京商工研究公司 (TSR) 稱，該公司可能在至少 20 年來一直進行系統性的門面裝飾，以掩蓋不斷惡化的財務表現。雖然帳面淨資產為正24.8億日圓，但修正舞弊後發現實際淨債務約605億日圓。

揭示的方法

TSR 確定了會計詐欺的四個主要類別：

**膨脹的銀行存款（約170億日圓）：**帳簿上記錄了虛假存款。作為暫時持有商家結算資金的支付機構，看似擁有大量現金儲備，更容易向金融機構獲得貸款。

虛構應收帳款（約154億日圓）： 無法收回的債務記錄為貿易應收帳款。實際上無法收回的應收帳款作為帳面資產保留。

誇大商譽（約8.82億日圓）： 併購和業務轉讓記錄的商譽價值遠高於其實際價值。

未記錄的結算負債（約217億日圓）： 欠商戶的未付預付款結算金額未記錄為負債，大大低估了公司的真實債務負擔。

為什麼它持續了20年

支付代理業務的性質使得詐欺行為很難從外部發現。全都信持有商家資金並在商家和信用卡公司之間轉移資金的模式造成了不透明。提供貸款的銀行可能過度依賴 Zentoshin 明顯的成長故事，而沒有進行充分的盡職調查。

帳面債務與實際債務之間的差距

值得注意的是，申請破產時報告的約1259億日圓債務（基於帳面價值）與糾正詐欺後披露的約605億日圓淨債務之間存在顯著差距。隨著詐欺行為的全面曝光，實際的經濟損失可能會更大。

法律影響

隨著受託人調查的進展，會計詐欺的更全面的情況可能會浮出水面。如果這種裝飾是故意的，前任管理層可能會面臨民事和刑事責任。人們也將質疑未能發現詐欺行為的審計師以及未經適當審查而繼續放貸的金融機構。

全都進案是日本中型企業治理失敗和地方銀行信用審查薄弱的鮮明象徵，可能引發關於公司治理改革的新一輪辯論。

Zentoshin Bankruptcy: 125.9 Billion Yen Debt Sends Shockwaves Through 餐廳s and 地方 Banks

Wed, 08 Jul 2026 10:00:00 +0900

On July 6, 2026, Zentoshin Co., Ltd., a major credit card 支付 agency based in Osaka, filed for bankruptcy at the Osaka District Court and received an immediate order to begin bankruptcy proceedings. With total debts of approximately 125.9 billion 日圓, it is the largest bankruptcy of 2026. The collapse is having severe repercussions on both the food service industry and 地方 financial institutions.

Zentoshin’s Business Model

Founded in 1987 as the “Osaka Minami Food Business Cooperative” and incorporated in 2006, Zentoshin provided merchant acquisition services for credit card companies and offered early 支付 services by advancing merchant settlement funds. 餐廳 particularly valued receiving 支付 as quickly as four days after card use. At its peak in 2018, Zentoshin served over 200,000 merchants, generating approximately 8.2 billion 日圓 in revenue in fiscal 2020.

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Timeline

Fable 5 and Mythos 5 launched on June 9, but on June 12, Amazon researchers discovered a jailbreak method that allowed Fable 5 to identify software vulnerabilities. The US Commerce Department immediately imposed export controls, suspending both models worldwide.

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The Trigger: A Jailbreak Discovery

Launched on June 9, Claude Fable 5 quickly became the talk of the tech industry for its extraordinary code generation and reasoning capabilities. Those same capabilities became its undoing.

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Select and Prioritize Information Sources

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Evolution of Carrier Billing

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Verify the Information Source First

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Reading Earnings Reports

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NTT Group Moves

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Impact on Battery Life

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