National Tide 1980

Like Kenichi Sagawa, on the same night, they both belong to the Japanese financial industry.

There are other people who feel extremely lucky to have met customers like Ning Weimin.

However, 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 was the vulgarity of Japan's nouveau riche that made him, a Chinese nouveau riche who knew how to "make money with harmony", particularly noble and respected.

On the night of May 8, in a luxurious suite at the Imperial Hotel in Tokyo, you could see the dimly lit night view.

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 sinewy face, but also has a short stature. He wears a pair of frivolous red-rimmed glasses and looks 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.

He looked both enjoying and showing off, especially the way his hairy bare legs trembled under his pajamas.

For people who are used to order and abide by the rules, his attitude is simply a provocation that is tantamount 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.

For no other reason than because 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 Hangsan, it can be regarded as an upstart company that has grown 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 rapidly rising newcomers are also known as the "Four Big Hoarders" by the Tokyo real estate industry.

Although they are respected among their peers and the Japanese financial community, they are regarded as "upstarts" 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 currently flooded with money and is extremely lacking in lending channels, while 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 commodity 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, has 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. Those of you who work in big banks don't need to praise me like this."

"President Watanabe is really interesting. You own countless buildings and apartments in Minato City. Now the rent collected every year is astronomical. You are indeed a powerful giant. With the huge assets you own, how can you Can you be called a small businessman?"

"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 to make a living, 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? "

These words were said without mercy, and they were asking questions knowingly. This made Jimao and his son stunned at the scene in embarrassment.

But ginger is old and spicy after all.

Although the young boy didn't know what to do when faced with verbal difficulties and humiliation, 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, subtly resolving it with 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..."

It has to be said that only those who know how to use detours can achieve both ends.

Ji Mao, this old-timer, really knows how to smooth things over to get himself out of a dilemma.

Look, he flatters the other party desperately. In this situation, even if Kitaro Watanabe knows that it is an exaggerated and ceremonial remark, he has to say "yes".

Because for such a small businessman, bringing up the old things and making things difficult are originally for the sake of saving face.

It is not good to oppose and belittle yourself in order to embarrass the other party.

In fact, these words really triggered a burst of arrogant laughter from Kitaro Watanabe.

In this way, the fact that Kitaro Watanabe was rejected by Sumitomo in the past was not mentioned by the two of them, and it was considered a thing of the past.

But having said that, although there are some things that Kitaro Watanabe can let go of in a muddle.

But when it comes to practical issues related to specific interests, he, a nouveau riche from the bottom of the society, must be calculative.

"Brother Yoshimo, although I agreed to borrow money from your Sumitomo Bank, other banks have recently come to me through friends' introductions. Mitsui Trust Bank has the same requirements as yours, but the conditions they offer are better than yours. Their general manager Ken Nakajima is also very sincere. What do you think about this?"

"Well, I wonder in which aspect do you think Mitsui Trust is better than our Sumitomo? If you have specific opinions, we can discuss it again?"

"Of course it's the interest. Mitsui Trust Bank only charges me 4% interest on the loan. What do you think?"

The purpose of Yoshimo and his son coming here today is to sign a loan contract.

Originally, the conditions were almost discussed, but when the time came, Kitaro Watanabe deliberately said so.

Of course, Yoshimo and his son understood that this was a trick, and the other party probably wanted to use this as an excuse to take advantage of it.

Looking at each other silently, the father and son were both helpless in their eyes as if they had met a rogue.

"Then, let's adjust it to 4%. In this case, you should be satisfied, right?"

Not daring to delay for too long, fearing that the night would be long and dreams would be more, Minister Ji Mao gritted his teeth and made a decision to make more concessions, with the purpose of signing the contract quickly.

But I didn't expect that this "toad" actually made an exaggerated expression of disbelief.

"Ha? Brother, are you kidding me? People give me 4% interest, and you also give 4%? Since it's the same, why should I choose you? Please, can you be a little sincere? It's also very hard for us to engage in real estate. Don't think that it's easy for us to make money. Now the land price is soaring, and we also have risks. For example, this time I asked you to borrow money to do the project. If I only build a 20-story building according to the conditions of the plot, then I don't want to make money. What should I do? I can only think of a way to build a 22-story building with a height of 20 floors..."

𝘴𝘵𝘰55.𝘤𝘰𝘮

From what he said, it was obvious that he was complaining and wanted a lower interest rate.

This time, both Yoshimo and his son were in a mess. How could people be so greedy? So shameless?

"Chairman, we agreed on this first. And this is our biggest concession! If the interest rate is lower, we will not be able to explain to the head office."

After all, Yoshimo was young, and he could no longer hold back and impulsively interrupted.

Needless to say, his words immediately angered Kitaro Watanabe. This guy said in a gloomy tone, "Oh, you kid, not only can't understand my difficulties, but you are giving me an ultimatum?"

Seeing that his son was about to offend people and mess things up, Minister Yoshimo certainly couldn't help but intervene.

So he quickly stepped forward, pretended to be angry, and scolded his son.

"Asshole! You don't even have manners! How can you talk to President Watanabe like this! Apologize quickly!"

Then he pleaded for his son with kind words, and explained to Kitaro Watanabe in a more tactful way that this interest rate was indeed the best condition they could offer, and hoped that Kitaro Watanabe would understand.

"Is this 4% your final condition?"

Watanabe Kitaro didn't say it was expensive or cheap, but just didn't care and asked calmly.

However, his attitude was like a mother-in-law who suddenly asked for a gift on the wedding day, which made Yoshimo 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 node to see the final result, otherwise all the previous efforts would be wasted.

So in the end, Minister Yoshimo thought about it and cut off the last small piece of meat he could give up.

"That's the interest. At most, I will change the repayment period from five years to seven years for you, and Sumitomo Bank will give you a special gift to thank you for your care. I don't know if you like whiskey? Suntory has a gift whiskey specially produced for this bank. I can also give you a membership card of the golf club. What do you think? This is really the limit of my ability."

Minister Yoshimo didn't exaggerate.

From this price, it is indeed all the ability of the father and son.

To put it bluntly, considering the cost of absorbing deposits by banks is 2.5%, it is a waste for Sumitomo Bank to make this deal.

If it weren't for the fact that Watanabe Kitaro needed a higher amount and was willing to lend 4 billion, Minister Yoshimo would never have quoted this price.

Of course Kitaro Watanabe 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 put on an expression of understanding.

"Okay, okay, brother, for the sake of your sincerity, this is basically the condition. There is only a second time after the first time. You can modify the contract and we will sign the contract. But , I have to ask you to help me pay for the room and meals I'm staying here these days. A big company like Sumitomo Bank is always very generous with hospitality expenses, right? Also, the 100 million yen in cash I requested is now available. Just give it to me.”

As for Kitaro Watanabe's philistine negotiation methods, he would still gain hundreds of thousands of yen in the end.

Jimao 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 unanimously nodded, 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 a result, 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 you one too! Well, you also think the smell of banknotes is good, right? I've liked the smell of money since I was a child!"

"Haha, these people are really mean! I used to beg them, but they refused to give me money. But now they are smiling and insisting on giving me money! Tell me, who is the slave and who is the master?"

"Bank, bank, it's so 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 remained gloomy.

Although he didn't say it with 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 yell out loud, 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. There is no way he behaves like this rough guy. Not to mention vulgar, just taking out a loan of 4 billion yen and paying such harsh demands is really a nouveau riche.”

"Well, President Ning is a very good friend. I didn't expect that he, a Chinese, could be so generous and courageous. These are truly high-quality customers, and you should cherish them. As for Watanabe, don't let him go. In my heart, a person like him who is blind and arrogant will have bad luck sooner or later. I will let him know what Sumitomo Bank can do for him. In fact, if the Bank of Japan's indicators are not fast. When it’s over, I don’t want to deal with people like Watanabe.”

"I understand, you are doing it all for me. The way things are, the current slump in the banking industry has forced us to be patient. But thanks to you, we finally have no worries about this month's performance, and we will also get a president. The award is for the first place in performance. 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 neglectful about this matter. You are right. You cannot pay attention to the relationship after you have finished applying for a loan for someone. For people who talk about friendship like this, you really need to use gifts to express your sincerity. . Moreover, President Ning Azabu’s bookstore is not small. 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 property. 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 quickly, while the Mitsukoshi Department Store is not closed yet , hurry up and buy some expensive gifts for President Ning and others! Don’t be stingy with clients like this who can build your career and bring you a stable future, understand! How much money do you have left for this month’s social expenses? , don’t feel bad!”