Like Kenichi Sagawa, on the same night, they both belong to the Japanese financial industry.
There are other people who are also extremely lucky to have met customers like Ning Weimin.
But what is interesting is that for these people, it is precisely the major differences arising from the different cultures of the two countries that add to Ning Weimin's bright aura.
It is the vulgarity of Japan's nouveau riche that makes him, a Chinese nouveau riche who knows how to "make peace and make money", particularly noble and admirable.
On the night of May 2, in a luxurious suite at the Imperial Hotel in Tokyo, a room with a dimly lit night view could be seen.
Director Yoshimogen of Sumitomo Bank Headquarters stood here upright with his son Yoshimoshi with his pen.
They faced a fat middle-aged man in his fifties who was sitting on a wide sofa, with smiles on their faces.
However, it is in sharp contrast to the neat suits and respectful appearance of Yoshimo and his son.
It was the middle-aged man who was careless, and his words and deeds were particularly out of tune.
This guy not only has a fleshy face, but also a short stature, and wears a pair of frivolous red-rimmed glasses, which makes him look like an ugly toad.
The key is that he is disheveled, only wearing pajamas, with his legs crossed, and he is holding two charming women on the left and right.
His appearance is both enjoying and showing off, especially the way his hairy bare legs under his pajamas are shaking.
For people who are accustomed to order and abide by the rules, his attitude is simply a provocation equivalent to insult.
However, both Minister Ji Mao and his son Ji Mao Ce had to bow their heads and endure.
Even Minister Yoshimo himself had to think of flattering words to please and flatter.
If not for any other reason, this toad-like middle-aged man is Kitaro Watanabe, a real estate hoarder that has successfully risen rapidly through the economic bubble in Tokyo in recent years.
Don't look at this guy who only started from a second-hand car trading market, but with excellent financial management skills and a bold and greedy appetite.
However, in just two years, he owned dozens of real estate and properties in the port area just by continuously borrowing money from banks to buy land and buildings.
Nowadays, the rental income alone is nearly billions of yen every year, making him a lucky man in the bubble era.
Although his Azabu Construction Co., Ltd. cannot be compared with the real estate king Mogami Honsan, it can still be regarded as an upstart enterprise that is growing at an incredible speed.
In the real estate industry in Tokyo, it is comparable to Harunori Takahashi's EIE Group, Yukio Sato's Daiichi Real Estate Group, and Shigeru Kobayashi's Hidewa Group.
These newcomers who have quickly emerged in the industry are also known as the "four major hoarders" by the Tokyo real estate industry.
Although they are respected among their peers and the Japanese financial community, they are regarded as "nouveau riche" and are despised and excluded by traditional real estate developers such as Mitsui Fudosan, Mitsubishi Estate, Sumitomo Real Estate, and Daito Construction. .
However, given that Japan’s banking industry is now flooded with money, there is an extreme lack of lending channels, and the real estate market is rising day by day.
This guy who made his fortune purely by borrowing money and continues to purchase real estate and properties has undoubtedly become a hot prospect that all banks are flocking to.
Regardless of whether this greedy guy wants to rely on this to buy the entire port area in the future.
Anyway, in order to extend loans and meet the loan quota assigned by the Bank of Japan, even Sumitomo Bank, which has the same origin as Sumitomo Real Estate, had to put down its dignity and please the opponent of this brother company.
"Chairman Watanabe, you are now a tycoon in Minato City with countless valuable assets, and you are still so free and easy. We at Sumitomo Bank are really lucky to have the opportunity to cooperate with you."
"Don't say that, I'm just a small businessman. You people who work in big banks don't need to praise me like this."
"President Watanabe is really funny, you can You own countless buildings and apartments in the port area, and your annual rent collection is astronomical. You are indeed a powerful giant. How can you be called a small businessman with the huge assets you own?" br>
"I'm quite serious." Kitaro Watanabe snorted a few times with a smile on his face, "To be honest, I was just lucky enough to catch up with the times. I think back then, I took the initiative to ask for help at the door of your bank. , hoping to borrow a little money for turnover, but was decisively rejected by your bank. To be honest, I am very surprised that you came to my door. Have your lending standards started to lower? " br>
These words were said without mercy, and they were knowingly asking questions, which immediately made Jimao and his son stunned at the scene.
But ginger is old and spicy after all.
Although faced with verbal difficulties and humiliation, the little boy didn’t know what to do, but the father had seen the storm.
Minister Yoshimo was quite capable of doing things in front of others, and he soon recovered.
He neither admitted his mistake nor apologized.
Instead, he avoided the important and took the easy way out, and cleverly resolved it through further flattery.
"The president is so good at telling jokes. People like you can't be said to have just caught up with the times. In my opinion, your success is not luck, because you have the vision and courage to transcend the times. , this is your strength. In fact, it should be said that the times are matching your pace. All the big people in this world should have this ability like you, so they are destined to lead the times and be ahead of everyone..."< br>
It must be said that only those who know how to use detours can achieve both ends.
Jimao, this veteran, really knows how to smooth things over in order to get himself out of trouble.
No, he was praising the other party desperately. In this situation, even if Kitaro Watanabe knew that his words were exaggerated, he still had to say "yes".
Because for such a small businessman, bringing up old things again and making things difficult is just to save face.
At this time, it is not good to object and belittle yourself just to embarrass the other party.
In fact, these words indeed triggered a burst of arrogant laughter from Kitaro Watanabe.
In this way, the two of them did not mention the fact that Watanabe Kitaro was rejected by Sumitomo in the past, and it was considered a thing of the past.
But having said that, although there are some things, Kitaro Watanabe can let them go in a daze.
But when it comes to actual issues related to specific interests, he, a nouveau riche from a low-level background, has to worry a lot.
“Brother Yoshimo, although I agreed to get a loan from your Sumitomo Bank, other banks have recently come to see me through the introduction of friends. For example, Mitsui Trust Bank and your request Same, but the conditions offered are better than yours. Their general manager Ken Nakajima is also very sincere. What do you think about this? "
"Well, I don't know what you think. In which aspect is Mitsui Trust better than Sumitomo? If we have any specific opinions, we can discuss it further. "
"Of course the interest on the loan given to me by Mitsui Trust Bank is only 4%. What do you say? ”
The purpose of Ji Mao and his son's visit today is to sign a loan contract.
Originally, the conditions were almost agreed, but when things came to a close, Kitaro Watanabe said this deliberately. Of course, Jimao and his son understood that this was a trick, and probably the other party wanted to use this as an excuse to take advantage of them.
Looking at each other silently, the eyes of the father and son were filled with the helplessness of encountering a rogue.
"Then, let's adjust it and make it four percent better. In this case, you should be satisfied, right?"
Not daring to delay too long, for fear of a long night and many dreams, Minister Yoshimo gritted his teeth and made the decision to make another concession, with the purpose of signing the contract as soon as possible.
But I didn’t expect this “toad” to make an exaggerated expression of disbelief.
"Huh? Brother, are you kidding me? They give me 4% interest, and you also give 4%? Since they are all the same, why should I choose you? Please, Can you be sincere? It's very hard for us to do real estate. Don't think that it's easy for us to make money. Now that land prices are soaring, we also have risks. Let's just say that the project I want to ask you for a loan this time will only be based on the conditions of the land. If I build a twenty-story building, I don’t want to make any money. What should I do? I can only think of ways to build a twenty-two-story building with twenty floors..."
Listen to him. Meaning, obviously complaining, and asking for lower interest rates.
Now Ji Mao and his son are out of control. How can people be so greedy? So shameless?
"President, we agreed in advance. And this is already our biggest concession! If the interest rate is lower, we will not be able to explain to the head office."
Ji Maoce is young after all, so at this time He couldn't help but impulsively interjected.
Needless to say, his words immediately angered Kitaro Watanabe, who said angrily, "Oh, you kid, not only can't you understand my difficulties, but are you giving me an ultimatum?"
Seeing that his son was about to offend someone and mess up the matter, it was of course impossible for Minister Yoshimo to not intervene.
So he quickly stepped forward, pretended to be angry, and scolded his son.
"Asshole! You're not even polite! How can you talk to President Watanabe like this! Apologize!"
He then started to plead for his son with nice words, using more tactful words. They explained to Kitaro Watanabe that this interest rate was indeed the best condition they could offer, and hoped that Kitaro Watanabe would understand.
“Is this four percent your final condition?”
Kitaro Watanabe neither said it was expensive nor cheap, he just didn’t care and asked as calmly as possible .
However, his attitude was like a mother-in-law who wanted to add a temporary gift on the wedding day, which made both Jimao and his son feel great pressure.
Their bodies couldn't help but tremble slightly, and both father and son realized that this might be the key point for the final decision, and if they didn't do it right, all their previous efforts would be wasted.
So in the end, Minister Yoshimo thought for a moment and cut off the last piece of flesh he could give up.
"That's it for the interest. At most, I will change the repayment period from five years to seven years. Also, Sumitomo Bank will give you a special gift to thank you for your care. I don't know. Do you like whiskey? Suntory has specially produced whiskey for this bank. What do you think? I can also give you a golf club membership card. "
Minister Yoshimoto did not exaggerate.
Judging from this price, it is indeed all the capabilities of their father and son.
To put it bluntly, judging from the bank's cost of attracting deposits of 2.5%, Sumitomo Bank's decision to make this transaction is purely useless.
If Kitaro Watanabe had not needed a higher amount and was willing to lend four billion, Minister Yoshimo would never have quoted this price.
Kitaro Watanabe certainly knows this too. Although he has always maintained a sinister and even arrogant tone, his eyes always exude the sharp light of a businessman. At his heart, he is a cunning businessman.
At this time, he was able to conclude that he had obtained the most favorable terms, so he smiled and made an expression of understanding.
"Okay, okay, brother, for the sake of your sincerity, this is basically the condition. There is a first time before a second time. Please modify the contract, and we will Just sign the contract. However, I have to ask you to help pay for the room and meals I'm staying here these days. A big company like Sumitomo Bank always has a lot of money for hospitality, right? One hundred million yen in cash, give it to me now.”
As for Kitaro Watanabe's philistine negotiation methods, he would still gain hundreds of thousands of yen in the end.
Yoshimo and his son were really speechless and exhausted.
At this time, in order to end everything as soon as possible, and for fear that this guy would come up with any additional conditions, they almost nodded unanimously, quickly revised the contract, signed the contract with Kitaro Watanabe, and completed the procedures.
Then he took out the two boxes of money he had brought, placed them squarely on the coffee table, and immediately left the place.
As soon as he walked out of the door of the guest room, he heard the sound of Kitaro Watanabe teasing the two women unscrupulously.
"Haha, you saw it, Sumitomo, this is Sumitomo, one of the six major financial groups! Even the elites of the bank have to humble themselves in front of me!"
"Here, I'll give you a stack, and I'll give it to you too. ! Well, you also think the smell of money is good? I have liked the smell of money since I was a child!"
"Haha, these people are really mean! I went to them and they refused to give me anything. My money. Now you are smiling and insisting on giving me money! Who is the slave and who is the master? "
"Bank, bank, how ridiculous!" >These words made Jimao and his son extremely embarrassed and angry. They thought they wanted to hide their faces and run away, and left here in a hurry.
No matter how well-mannered Minister Yoshimo is, he can't help but get really angry.
After entering the elevator, he kept a gloomy face.
Although he didn’t say it in his mouth, he silently made a note for Kitaro Watanabe in his heart.
Although the money in the bank is comfortable now, when faced with the situation, it can cost the life of the company.
When the aggrieved Yoshimoshi saw his father's expression, even though he hated Kitaro Watanabe so much, he couldn't curse him loudly, for fear that his father would take his anger out on him and scold him for his failure.
So naturally, he could only turn to thinking about Ning Weimin's benefits.
"President Ning is still reasonable. He is the most graceful customer I have ever seen. Without saying a word, he loaned 5 billion at an interest rate of 6% without even bargaining. How can he be like that? This rough guy, not to mention his vulgar behavior, just borrowed 4 billion yen and paid so many harsh demands. He is really a nouveau riche."
"Well, President Ning is a very good friend to me. I didn't expect that a Chinese person could be so generous and courageous. This is a real high-quality customer. You should cherish it. As for this Watanabe, don't take it to heart, a blind and arrogant person like him. Sooner or later, something bad will happen. When the time comes, I will let him know what else Sumitomo Bank can do for him. In fact, if the Bank of Japan's quota is not about to expire, I would not be like Watanabe. "I understand, you are all doing it for me. Due to the current slump in the banking industry, we can only endure it. But thanks to you, this month's performance is finally good." There is no need to worry about anything anymore, and we will also receive a commendation from the president. Our performance is stable. However, President Ning’s wedding is tomorrow. Shouldn’t we prepare some additional gifts besides the gift money?”
"Yes, that's right. I was a little negligent in this matter. You are right. You cannot pay attention to the relationship after you have finished applying for a loan for someone. For such people who talk about friendship, you must express your sincerity with gifts. Come. Moreover, President Ning Azabu’s bookstore is not small, and if the housing prices continue to rise, the value of the collateral will also increase. Maybe you can persuade him to apply for additional loans in the second half of the year. "
"Um... Minister, there is something I haven't had time to tell you yet... Um... Um, President Ning seems to have an industrial warehouse of tens of thousands of square meters near Tokyo Port. Land prices there have risen sharply. It is said that He only used that warehouse to borrow several hundred million from the French. Can we try to get him an upgrade loan..."
"What? He still has such a large industry. That's great. As long as you can mortgage tens of billions of yen, you are really lucky. What are you waiting for? Let's go to Ginza and buy some expensive gifts for President Ning and others while the Mitsukoshi Department Store is still closed! Don’t be stingy with this kind of client who can build your career and bring you a stable future, understand! How much money do you have left for this month? Don’t feel bad!” (End of Chapter)