National Tide 1980.

Chapter 891 Harvest
Three hundred million yen!
The ten-year special loan of [-] million yen that was approved through special procedures fell into the hands of Ning Weimin.

Even Sumitomo Bank issued him an additional credit card with a consumption limit of 500 million yen.

This is the material gain that Ning Weimin exchanged for after he accidentally discovered the loopholes in the early models of Japanese ATM machines.

Even though the amount of money was still a little short, it was not enough to make Ning Weimin particularly satisfied.

The interest on the loan is not low, and there is no special discount.

Even on the basis of the 5.00% annualized interest rate that needs to be paid for normal loans, Ning Weimin still needs to pay an additional [-]% annualized interest rate.

Moreover, the loan contract specifically stipulated that once Ning Weimin's repayment was slightly overdue, Sumitomo Bank had the right to terminate the loan at any time and recover the principal.

But having said that, this is a personal loan that does not require collateral and is not limited in purpose.

Ning Weimin can spend the money he got from the empty-handed wolves as he likes, so isn't that a good idea?

Buying a house, speculating in stocks, doing business, buying luxury cars and luxury goods are all fine, and the bank will never intervene.

If you put it in the stock market, it will double in size immediately, magically becoming [-] million yen.

To be honest, even the real Japanese are not so blessed.

You must know that in terms of the current operating conditions of the Bank of Japan, it is still an era of orderliness and no worries about food and drink.

Japanese people basically deposit some money in the bank, and bank loans are only granted to domestic companies, and they are mainly those companies covered by the consortium to which the bank belongs.

It is basically a self-loop in a closed-loop style.

Banks have no incentive at all, and there is no need to develop customers.

In fact, even for Japanese small and medium-sized enterprises, if they do not follow the boss, it is not easy to obtain loan approval smoothly.

Banks not only have to look at the collateral, but also the size of the company, revenue and industry space, and they will also supervise the use of funds.

Banks have the right to terminate the loan once it is found that the enterprise has used funds in violation of regulations.

Therefore, a foreigner like Ning Weimin who has only been in Japan for two months, according to normal logic, would never be able to obtain this loan from the Bank of Japan.

It is not too much to say that it is difficult to reach the sky.

Even if he has a lot of assets in Japan, he is also a middle-level manager of a multinational group, and he came to Japan with a business visa, it is useless.

Because the Bank of Japan also understands the truth that "everyone has misfortunes and fortunes".

Just this kid, here in Tokyo, he has no relatives and no reason, and he is a foreigner alone.

If one day his feet slipped and he hit a piece of tofu and died, wouldn't the masters who gave him the loan want to cry without tears?

Have an industry?No matter how much property can't hold back, there are bad habits.

If it's really a loser who spends all his loans and runs back to the Republic with oil on his feet, where can he be found?

These are all risks, and there is no need to take risks.

There was no need to generate income in the first place, and the bank that the company came to ask for was lying in the house, and the bank was only out of its mind to lend to him.

Didn't the Bank of Japan even bother to intervene in the personal consumption loan market, are they willing to give up this piece of fat to a financial company controlled by Yakuza?
Otherwise, there would not be so many usury companies in Japan.

Therefore, to be honest, Ning Weimin's ability to get this sum of money is really equivalent to winning the first prize.

If he hadn't accidentally grabbed the ATM machine manufacturer, Ou Moulong's pigtail, and made the company intend to provide a special loan guarantee for him, there would be no such exception.

To put it bluntly, in fact, this money is not the bank's money at all, but the price Ou Moulong is willing to pay for purchasing information related to security vulnerabilities.

Sumitomo Bank only plays the role of an intermediary channel.

He was only responsible for transferring the money from Oumoulong Enterprise's account to Ning Weimin.

However, on the other hand, I have to admit that it is very necessary to go around in circles like this, which seems to be a deception.

Not only did it fully take care of the face of the two Japanese companies, but more importantly, it fully took into account the interests of multiple parties, which made this matter a happy one without any future worries.

First of all, for banks, this left-handed and right-handed loan effectively eliminates financial risks.

Even if Ning Weimin couldn't get the loan back in the end, Ou Moulong Company, a big company, would still be able to bear it.

This is why they feel at ease to participate and are happy to facilitate this matter.

After all, one thing more is worse than one thing less. If the problem is solved as soon as possible, the bank can breathe a sigh of relief as soon as possible.

Otherwise, if something really happened, although Ou Moulong Company could hardly absolve itself of the blame and should bear the main responsibility, the money lost belonged to the bank.

Banks are also unwilling to add to this chaos and cause some negative social effects.

Secondly, for Oumulong Company, as a manufacturer of ATM machines, they are more concerned about whether this transaction can buy real and reliable information.

Then it is how to better block the news, so that the media will not easily find out that something is wrong, and at the same time, it can save their face.

You know, even if Ou Moulong pays more attention to this matter and goes all out, it will take time to solve technical problems and replace equipment.

And all companies have competitors, if other ATM machine manufacturers know the news, then Ou Moulong will be in big trouble.

If you can lend money to Ning Weimin through the bank in the form of a loan like this, of course it will be more concealed than paying cash to Ning Weimin directly from the company account, and it will be much safer.

And there is not much feeling of being blackmailed, after all, it is a loan or not.

If Ning Weimin can really keep his promise to pay the interest on time and return all the principal when it is due.

That is equivalent to Ou Moulong Company solving the problem without spending a penny, which couldn't be more perfect.

At that time, not only will Ou Moulong's high-level executives who participated in this matter no longer have any worries about being settled by Qiu Hou, but this matter will instead become their contribution to coping with the crisis.

As for Ning Weimin, safety also needs to come first.

Accepting a loan from Sumitomo Bank without receiving remuneration from Oumulong can effectively avoid charges of extortion.

Only with this kind of money can he hold it without burning his hands.

Otherwise, once the trouble of litigation is caused, whether to continue to stay in Japan will become a problem.

This is his core interest, and it cannot be compensated by taking a few hundred million yen more.

Who can say that Xiaobenzi can't play black games?
He didn't want to become a sacrificial offering like a car in a muddled way like the mistress of a certain domestic celebrity.

Not to mention how much money is too much?

As long as you use other people's money to make money for yourself, you will never lose money by borrowing chickens to lay eggs.

1000 million yen, no matter how much this money is, it is equivalent to about [-] million yuan today.

It's a miracle to get such a large sum of money in less than a day, right?
Not to mention that compared with the domestic situation, it is more difficult to get a loan in the country.

It's hard to find the temple door with a pig's head, not to mention, I'm afraid the legal interest rate has reached 20.00%, right?

Moreover, the renminbi has continued to depreciate, and domestic inflation has become more and more serious with the acceleration of urbanization.

If you compare the inside and outside like this, being able to get a loan from the Japanese bank is really no different from Ning Weimin taking money for nothing.

It even reminded him of a joke he had heard in his previous life.

It is said that an American traveled to the interior of the Republic with 20 U.S. dollars. After eating and drinking for nothing for a year, because of rising housing prices and exchange rate changes, when he left, he actually earned 20 U.S. dollars.

And the Bureau of Statistics is quite happy, because the GDP has risen.

Tell me, this incident is so troublesome, isn't he going through the same situation now?
In short, this matter is resolved in this way, it can be said that all sides are smooth, and everyone is happy.

Not only did Ning Weimin pocket [-] million yen, but the Japanese also seemed very happy.

After spending about a week successfully solving the technical problems of the ATM machine, Oulong Company held a small reception for him on the eve of the cultural festival and awarded him a medal of merit to thank him.

It cannot but be said that this is the best result Ning Weimin pursued.

Selling others and asking others to help count the banknotes is a sense of accomplishment.

This taste is like drinking a glass of ice-cold and refreshing happy fairy water.

Cool~!

But there's something even better.

Soon, "Silver Week" will come as scheduled.

Sure enough, as Ning Weimin expected, the cultural festival's role in boosting bookstore sales cannot be underestimated.

During the week that includes the Cultural Festival on November 11rd.

Japanese people flocked to bookstores one after another, as if they suddenly remembered the matter of reading, and generously donated money to buy books.

Although few people visit Huiwentang in Nishi Azabu on weekdays, it is still full of customers these days.

It was even more lively because there were no other bookstores nearby.

In particular, Ning Weimin's activity of gifting Huaxia handicrafts with every purchase of books was very popular with customers, and its reputation exploded.

On weekdays, it seems that many people pass by the door of Huiwentang without paying attention.

But this time is different. When people who need to buy books find out about the activities in the store, they can't put it down for these Chinese handicrafts.

It was only two days, and before the cultural festival officially arrived, all the handicrafts were sold out.

Even the most expensive feeder grapes are the same.

Finally, on November 11rd, because the stock was out of stock, I could only take off the poster, and ended the activity of gift with full purchase in advance.

Even Ning Weimin had to apologize to the many customers who came here because of lack of preparation on behalf of Hui Wentang.

In this way, after the end of the "Silver Week", Ning Weimin successfully disposed of a large number of inventory books at the original price, and obtained another 800 million yen in cash.

This made his money more comfortable all of a sudden.

If you count it together with the loan, the total is more than 3000 million yen in cash.

Not only is it enough for him to renovate the coffee shop and decorate the restaurant.

It's even enough for him to throw some of it into the stock market and continue to make money.

So Ning Weimin decisively threw another [-] million yen into the stock market, raised [-] million yen, and continued to increase his position.

All of a sudden, he made his stock allocation exceed one billion yen.

What kind of concept is this?

That is to say, Ning Weimin has invested 3000 million RMB in stocks alone.

If you count the real estate worth almost 5000 million yuan.

His personal investment in Japan alone is not far from [-] million RMB.

It is conceivable that when it is time to harvest in a few years, how much fat can he eat?
To be honest, it is not uncommon for Ning Weimin to be the richest man in the capital or the richest man in the country.

As his people go abroad, his wealth goal has already begun to look at Asia.

This is called realm improvement.

Of course, the saying "rely on your parents at home and friends when you go out" is also true.

If I'm not sorry to say, this cultural festival really relied on the Kagawa sisters, Sakai Yujiro, director Taniguchi, and his daughter Taniguchi Sachiko to help out in their spare time, so that Huiwentang Bookstore could handle it smoothly.

Otherwise, if you only depend on Ning Weimin and the two shop assistants for this week's brisk sales, you will have to run around and get exhausted.

It is absolutely impossible to obtain such a huge fruit of labor.

So thank you afterwards is also inevitable.

Ning Weimin specially selected the best local Japanese-style French restaurant in Nishi Azabu to treat these friends who came to Tokyo to make friends.

Not only champagne, foie gras, these expensive famous French meals.

There are also a lot of store original dishes such as cold strawberry pasta and frozen grape juice.

And after hearing that Kagawa Miyoko was distressed because of the lack of skills on weekends and too many customers to receive.

Ning Weimin also offered to help, saying that he could visit some customers instead of Miyoko Kagawa, and do some basic work such as collecting customer information, login information, and taking pictures of the listings.

Of course Kagawa Miyoko was overjoyed, she was a little flattered and couldn't believe her good luck.

At that time, I kept thanking him.

"Ning Sang, thank you so much. You are the vice-director of a multinational company, so... are you willing to help me like this? I really don't know how to thank you."

Ning Weimin, on the other hand, remained humble.

"Please don't say that. Since we are friends, of course you help me, and I help you. Besides, your sister is still helping me with the design work of the bookstore. If I don't do anything, I will feel really sorry."

However, when Kagawa Miyoko was full of emotion, Kagawa Rinko, who was praised a lot, couldn't help being a little proud, and said without turning around.

"Ning Sang misunderstood. What my sister means is that I don't know if you, a Chinese person, can do such a job. You see that your bowing posture is not standard. If your service attitude is not good, it will harm Miyoko's company business. His reputation was damaged, and he was scolded by the boss."

When Miyoko heard this, she couldn't help but blush at the fact that her younger sister was a straight girl.

Just when he was extremely embarrassed and didn't know how to react, should he explain to Ning Weimin, or reprimand his sister.

Fortunately, Ning Weimin didn't mind at all, and he had already made things right.

"Bowing is not standard? That's okay. In fact, I think the service industry mainly relies on two tricks, one is to smile, and the other is not to be in a hurry. As long as I do these two things, I always nod and say yes, and customers will never complain about me." Right? And the most important thing is to look at the charm of the individual..."

As soon as he said this, he deliberately laughed out two dimples, his face was as bright as a flower.

The Kagawa sisters suddenly remembered the last time everyone sat together to discuss why the meowing sounds of Chinese cats and Japanese cats are very different.

Thinking of the fact that Ning Weimin, who was half drunk last time, used such a cute face to imitate the "meow" of the Chinese cat, and imitate the "Nirvana" movement of the Japanese beckoning cat. Ya Nie..." cried.

All of a sudden, he was amused by his expression, and he couldn't help covering his mouth with his hands.

As a result, two more hibiscus flowers bloomed in the restaurant immediately.

(End of this chapter)