Chapter 1214 Urinary Urgency
Standing on the podium, Kaga Isako’s face with exquisite makeup shone with excitement.
For her, I am afraid this moment is the real highlight of her life.
And she has not forgotten her past professional skills.
Standing in front of the microphone and looking around the scene with the smile of a professional anchor, she said quite freely, "Everyone has been delivering congratulations just now. Some of the polite and thoughtful guests didn't even drink. I listened to the speech attentively, so I will just say a few words. Today, I am sincerely grateful that you can take time out of your busy schedule to come and support my beauty salon.”
"Seeing so many people congratulating me and cheering for me, I was filled with courage and energy without realizing it. I will work hard to run the beauty salon well. To be a bit arrogant, I even hope that in a few years , we can also open a second and third branch in Tokyo, so please don’t think that this kind of gathering is just for this one time, and it may not be long before I shamelessly invite you back. Congratulations on the opening of our branch.”
“Of course, I will also work hard to run the beauty salon well. There is one thing I can be proud of here: In my beauty salon, both the technician level and the beauty and hairdressing supplies are world-class. We even have professional stylists from Paris, France and Milan, Italy, so the prices are also very international. I am absolutely worthy of your noble status. Thank you all, and I look forward to your visit if you have a heart for beauty."
After she finished speaking briefly and concisely, she publicly stated, "I can obviously rob you. , but have the ambition to make money through services."
Not only did the head table burst into unabashed laughter, but the venue also burst into thunderous applause again.
However, there is still a difference between guests.
Ning Weimin noticed a particularly clear point: there is a huge power contrast between seats.
For example, those people in the beauty industry and relatively ordinary guests who were sitting around the entrance were all resisting the urge to squirt.
It wasn't until the guests at the head table laughed and laughter came from the tables of celebrities in the entertainment industry that they dared to snicker implicitly.
This can completely show how hierarchical Japan is, and even the right to laugh is different.
No wonder Japanese people always complain about living a depressing life.
It turns out that they feel the inequality of life all the time and live within the framework of clear class boundaries.
Even the bubble era was like this. It was really pitiful.
Next, Matsumoto Keiko took the stage again and invited the guests who needed to speak to the podium one by one.
These people include the president of the Cosmetology Doctors Association, the lifestyle editor of the Mainichi Shimbun, and the secretary of the Tokyo City Council. They all expressed their congratulations on the opening of Isako's beauty salon, but These speeches were short.
After almost all of these distinguished guests had spoken, it was finally time to eat and drink, a truly relaxing and happy time.
You know, today's meal is definitely expensive.
Because it is similar to Chinese customs, Japanese people also pay attention to the appearance of cards.
Everyone came to cheer and sent wreaths. The banquet venue and Isako’s store in Jiyugaoka were decorated like the most luxurious mourning hall in China.
As a host, you must have plenty of food and wine, otherwise you will be really unjust and become a miser.
Besides, in this era, everyone yearns for luxury. If the treat is too shabby, people will laugh at you.
Not to mention that the purpose of the banquet was for the Kaga couple to create publicity for the store.
Think about it, if you are reluctant to spend money on a treat, do you still expect these guests to support you with real money?
So even if the money is borne by the Kaga couple themselves, they will set the standard of entertainment very high.
Ning Weimin glanced at the general contents of the banquet menu, and he discovered that this meal not only included the best champagne and French red wine, but also the best seafood and steak.
However, he did not stay at his seat waiting for the delicious food to be served, or accompany Matsumoto Keiko to socialize with the political and financial figures next to him, and talk about those non-nutritious scenes.
Because of the initial social interaction just now, he had actually drank several glasses of champagne, and he had been enduring the urge to urinate while listening to the guests' speeches.
At the end of his speech, he urgently needed to go to the toilet to solve the water problem.
However, he did not expect that when he resigned and left the table, shuttled between the tables, and was about to walk out of the banquet hall door, the voice of "President Ning" suddenly came from behind him.
He turned around and saw that it was Director Yoshimoro of Sumitomo Bank.
"What's wrong with you?"
"Ah, there's a little something."
Jimao didn't deny it, but he didn't say it directly, "Are you going to the bathroom? Why don't we go together and have a chat..."
"Okay, please..."
"Please..."
Frankly speaking, since meeting Jimao today, Ning Weimin has a faint feeling that his enthusiasm will not For no reason.
After all, this is the head of Sumitomo Bank headquarters.
His status in Sumitomo's banking system is not low, at least equivalent to a branch president.
In addition, Sumitomo Bank has been expanding rapidly in recent years.
In 1980, the bank's assets ranked sixteenth among the world's largest banks.
Ranked fifth in 1983.
Ranked fourth in 1985.
By October 1986, Sumitomo Bank had merged with Peace Mutual Bank.
At this point, its assets have surpassed Fuji Bank, becoming the second largest commercial bank in Japan and the world.
The status of Minister Yoshimo has naturally increased with the growth of Sumitomo Bank's assets.
If we measure it in society as a whole, its status should basically be comparable to that of a prefectural governor or a university president, and only higher, not lower.
Of course Ning Weimin would be paranoid if such a person took the initiative to show kindness to him, even regardless of the age gap.
To be honest, from the very beginning, he had a vague hunch that the other party must have something to want from him.
In addition, now that the other party had such a coincidental peeing spot with him and insisted on walking side by side, he was even more certain of this.
You can even guess that it may be something that is a bit difficult to disclose.
As expected, when he entered the toilet, Ning Weimin found that he had guessed almost right.
I dare say that this guy Ji Mao actually asked him to lend some money for the sake of his son.
This is actually quite interesting.
Yoshimo has a son and two daughters.
The eldest son graduated from college a few years ago. Because of my care, he not only successfully entered the job of Sumitomo Bank, becoming a veritable "second generation silver", but was also assigned to one of the three core districts in Tokyo. Hong Kong Branch Credit Department.
However, Jimao's eldest son is really average in terms of study and work ability. He is the kind of son who is not very talented and is particularly unsatisfactory.
For example, in college, I was barely admitted to Chiba University, which is a mid-range among second-rate universities.
And he was not lucky enough to catch up with the special era of the biggest changes in Japan's financial industry.
You know, originally the bank's credit department was a high-authority, leisurely and comfortable department that didn't have to worry about customers at all.
But because of the signing of the Plaza Accord, Japan’s financial market has been fully opened, and financial products have become increasingly rich.
The survival situation of banks has also undergone great changes in recent years.
Many Japanese companies have relied on other ways to raise funds, and large companies prefer lower-cost debt issuance.
This has greatly impacted the traditional credit business of Japanese banks.
As a result, gradually, the credit departments of various branches began to feel pressure to achieve performance under the guidance of the window set by the Bank of Japan.
Needless to say, in a branch with many elites like Minato City, the eldest son of Yoshimo, the "second generation silver", naturally has his ability and academic performance completely crushed.
It is not enough to be ranked last forever. After all, there is a second son who is the general manager of Sumitomo Bank headquarters who is in a similar situation to be at the bottom.
But to put it bluntly, these two are just the relationship between Ah Da and Ah Er. Anyway, it’s either you or me who is holding us back. The only comforting thing is that I don't know if they have discussed it with each other. Every so often, the two brothers know to change places, so as not to embarrass each other too much.
In this way, for Yoshimo's sake, everyone at the Sumitomo Bank Minato Branch treated his son favorably.
But the lack of outstanding results at work puts the future of Jimao's eldest son into question.
Even if Jimao knows how to operate behind the scenes, it will be difficult if his son never has any outstanding work achievements and his personal resume is too stretched.
Forced promotion will not stop Youyou from talking, and will make the person who promoted him a blind bastard and become the laughing stock of his subordinates' behind-the-scenes discussions.
Even the next best thing is to be transferred directly or to change positions.
Because if that is the case, it will leave an indelible stain on one's career resume, and will instead cause greater difficulties for the future.
So Minister Yoshimo was worried.
This means that not only does he have to find opportunities for promotion for his son, but he also has to take care of the performance, and even have to do it perfectly.
Don't forget, the second son of the executive is also facing the same situation. He must solve the problem while ensuring that no one can grasp the problem.
So there is no other way, Jimao can only sell his old face everywhere, but he can use his own connections to find career for his son.
No, I came to the celebration today just to take the opportunity to solve the problem for my son. At least I have to ask my old friend Shinichiro Kaga to borrow 80 million yen from his son.
It was even more of an unexpected surprise for Ji Maolai to see Ning Weimin here.
Not only did he remember the 300 million yen loan that Ning Weimin borrowed from Sumitomo, even though the annual interest rate was as high as 10%, it was paid on time every month.
Moreover, he still remembered that Ning Weimin's altar palace had an official background of the Republic, it was opened in Ginza, and the celebration was very grand.
On the opening day, not only many celebrities came to add to the fun, but the guests were also relatively sophisticated.
Especially when he saw Ning Weimin and Matsumoto Keiko accompanying him to the banquet today, he was even more sure that Ning Weimin was doing well in Tokyo.
Although such customers are not well understood, they are targets for lending with confidence.
That’s why he took the initiative to talk to Ning Weimin before the celebration started.
And the courtesy after the meeting was actually the process of confirming all his conjectures.
That's it, as soon as the celebration program is over and the banquet begins.
With eyes and ears in all directions, as soon as he noticed Ning Weimin leaving the table, he chased after him, and he must seize this opportunity.
There is nothing we can do. How can we pity all the parents in the world? No one can save a coward like a useless snack!
Japanese people also have the feeling of licking calves, okay?
As for Ji Mao's expectations, they are really not too high. As long as Ning Weimin is willing to use Tan Gong Restaurant as collateral to get a loan of 350 million within this month.
Needless to say, although it is impossible for Ji Mao to tell Ning Weimin the entire inside story, he must have a certain degree of reservation for the sake of face.
But the good thing brought to his door like this was enough to impress Ning Weimin.
If he hadn't encountered it himself, he wouldn't have believed that such a ridiculous thing would happen, that a Japanese bank would ask for a loan.
He didn't need to find out what was going on. It was enough to know that Sumitomo Bank was willing to give him money for free. What reason did he have for not agreeing?
It can even be said that this is a surprise that fell from the sky for him, and he can't even ask for it.
Don’t forget, he is not Japanese, and he cannot participate in many lower-cost financing methods in the Japanese financial market.
Originally, because he could not get a loan from a Japanese bank, he resorted to the French as the next best option.
If you compare the two, the loan interest rate given to him by Caisse Suez is like a loan shark.
In addition, he originally planned to open a branch in Osaka or Kyoto this year, so he really needs money.
Wouldn't this hit it off?
Sounds like he really wanted to sleep, so someone brought him a pillow.
So after he learned about Jimao's request, his first reaction was to nod and express his willingness to help.
However, Jimao was not happy. He then apologized again, frowned and shook his head.
And his attitude is so repetitive, of course it is not because he is unreliable and expresses his opinions randomly without thinking carefully.
Rather, it is because he knows very well that it is best to express embarrassment appropriately when helping, so that the other party can be more sympathetic. This is what he did deliberately.
In addition, it was also because he had a big appetite and wanted to see if he could get more money from Jimao.
I agreed directly, so what’s the point?
As expected, Ji Maoxian was a little anxious, fearing that he would waste a long time spitting.
"President Ning, what are your concerns? With the scale of your restaurant, you can't even afford a loan of several hundred million, right? Maybe you don't know yet, not long ago, at the beginning of this month At that time, the Bank of Japan had announced that it would reduce the central bank discount rate from 5% to 2.5%. In fact, the interest rate is really not much. If you borrow 300 million yen, you will need to pay our bank’s interest per year, which is only about 10 million yen. That’s all…”
"I'm afraid you misunderstood." Ning Weimin smiled slightly, "The main problem is actually the time difference. You also know that the investors of Tan Gong Restaurant are relatively complicated, and there are two units with official colors. So according to According to the rules, if I want a loan, I must apply for it in China, and I won't be able to proceed until it is approved. But if that's the case, I can't tell you when. Anyway, I won't be able to apply for a loan within this month. I don't know what you mean. Can I first accept loans from other businesses under my name, a bookstore that belongs entirely to me? This does not require me to communicate with the country..."
However, after he said this, he looked at me. Ji Mao's expression dimmed a bit, "Well, that would be more troublesome. Although I can understand it, our bank still has strict requirements on business operations for loans. I'm afraid it will be difficult for ordinary small private companies to apply. Ah. President Ning, can't you really think of a way?"
This is obviously looking down on Ning Weimin, but it is normal. After all, China is still an economically backward country.
The businesses run by young people like Ning Weimin are certainly not as reputable as restaurants with official backgrounds.
And Japanese bookstores do not make much money, and the Bank of Japan cannot grant loans to people at will. There are still thresholds for applying for loans, otherwise Yoshimo would not have to worry about his son.
However, Ning Weimin was not discouraged. He just pretended to be helpless and spread his hands, using a desperate move.
“There are no ways. I can still talk to the top figures of several domestic investors. Maybe we can go through special procedures. However, the 350 million seems to be too little. To tell you the truth, because the restaurant is really profitable, I am currently making 10 million yen a day. I have actually considered opening a branch. If I hadn’t met you today, I might have contacted France about this. I contacted Caili Suez Bank. I have an old relationship with them and have cooperated with them several times. When I started doing business in Japan, I took the loan from them. I believe that if I use the restaurant as collateral this time, I will get more loans. Several times the money is not a problem. However, the interest rate of the French will be higher, so I think it would be good to make a deal with you."
Jimao's eyes immediately gleamed. As a Chinese, Ning Weimin had the courage to take on more loans, which he did not expect.
He quickly said, "Yes, the French bank interest rates are very high. I'm afraid you will have to pay more than double the interest. Since your restaurant business data is so good, we can also help you Adjusting the loan limit, what do you think of one billion yen? "
"How about two billion yen? My restaurant's annual net profit should be at least one billion yen. Is there a double credit limit based on the company’s revenue?”
"Well, okay, you really impress me."
Jimao couldn't help but take a deep breath, and he couldn't help but be a little surprised by Ning Weimin's responsibility and ability to pay debts.
You know, in the Japanese drama "Naoki Hansawa", the protagonist tried his best to recover Nishi-Osaka Steel's bad debt, but it was only 500 million yen.
In the TV series, this deficit seemed to be a huge loss to the branch where Banze took office.
But the bubble era is the bubble era, and Jimao is not scared out of his wits by this money right now.
He just added emphatically, "But you have to ensure that your restaurant's operating conditions are indeed as you said. Our bank will also send special personnel to investigate before approving the loan."
"Of course, I absolutely guarantee this. Not lying. Oh, by the way, I also want to ask, how about the bookstore I just mentioned? I can guarantee that the bookstore has no debt and is making money, but it is only a little less than one million yen per month. Two million yen in profit. Can you also give me a personal loan? Since you have made a loan for the restaurant, I can’t just take the bookstore and go to the French.”
No doubt, What Ning Weimin meant by this was that this bookstore was a good match.
Jimao did not refuse this time. He pondered seriously for a moment before saying, "This is it. Do you think this is good? If there is really no problem with the situation of your restaurant and the loan is successfully approved, I will give it to you. My bookstore can also apply for a loan, but the amount will not be too high, I am afraid it can only be 80 million to 100 million yen at most. I hope you can understand this..."
Of course Ning Weimin can understand. .
Anyway, it's just a mortgage business, not including real estate, so if you can get money, you've earned it.
And the most important thing, he tore a hole in the credit department of Sumitomo Bank.
“No problem, happy cooperation.” Ning Weimin happily extended his hand decisively.
To participate in the celebration this time, he originally thought that he had to come and it would be a boring social event. He never expected that he would have such an opportunity and gain.
Yoshimo also breathed a sigh of relief and happily reached out his hand in response.
In this way, the two people stood in front of the sink and shook hands solemnly for the "loan package" they had just negotiated.
Although speaking of it, the content of this transaction is not very clean, and many aspects may involve operational violations within the Sumitomo Bank system.
But their hands have just been washed. There is no doubt that they are absolutely hygienic.