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 peace and make money", particularly noble and admirable.
On the night of May 8, in a luxurious suite at the Imperial Hotel in Tokyo, a room with a dimly lit night view could be seen.
The director of Sumitomo Bank Headquarters, Yoshimogen, stood here upright with his son, Yoshimoshi.
They faced a fat middle-aged man in his fifties who was sitting on a spacious 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, and wears a pair of frivolous red-rimmed glasses, making him look like an ugly toad.
The key point 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 under his pajamas were shaking.
For people who are used to order and abide by the rules, his attitude is simply a provocation 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 flattery words to please and flatter him.
For no other reason than because this toad-like middle-aged man is a real estate hoarder in Tokyo who has successfully taken advantage of the economic bubble in recent years - Kitaro Watanabe.
Don't look at the fact that this guy only started his business in a second-hand car trading market, but with his excellent financial management skills and 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, rental income alone amounts to 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 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 collectively 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 "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 currently 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 use this method 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 rival of this brother company.
"Chairman Watanabe, you are now a tycoon in Minato City with countless valuable assets, and you are so free and easy-going. 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 funny. 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 for turnover, but was decisively rejected by your bank. To be honest, I am very surprised why you took the initiative to come to my door. Have your lending standards begun 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 faced with verbal difficulties and humiliation, the child 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 it didn't take long for him to recover.
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 surpass the times. This is your strength.
.In fact, it should be said that the times are matching your pace. In this world, all the big shots 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 veteran, really knows how to smooth things over and get himself out of trouble.
No, he flattered 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 issues 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 actually 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 ignored by the two of them, 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 practical issues related to specific interests, he, a nouveau riche from a lower-class background, has to make careful calculations.
"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. Mitsui Trust Bank has the same requirements as yours, and they can issue the loan
The conditions are better than yours. Their general manager Ken Nakajima is also full of sincerity. What do you think of this matter?"
"Well, I wonder which aspect do you think Mitsui Trust is better than Sumitomo? If you have specific opinions, we can discuss it further?"
"Of course it's interest. The interest that Mitsui Trust Bank lent me is only 4%. What do you say?"
The purpose of Ji Mao and his son's visit today is to sign a loan contract.
At first, the terms 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.
They looked at each other silently, both father and son's eyes were filled with the helplessness of encountering a scoundrel.
"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 actually make an exaggerated expression of disbelief.
"Huh? Brother, are you kidding me? They give me four percent interest, and you give me four percent too? Since they are all the same, why should I choose you? Please, can you be sincere? We
Real estate is also very hard work. Don’t think that it is easy for us to make money. Now that land prices are soaring, we are also at risk. Let’s just say that the project I want to ask you for a loan this time is to build only twenty floors according to the conditions of the land.
Then I don’t want to make money. What should I do? I can only think of ways to build a twenty-two-story building with a height of twenty stories..."
??????55.??????
From what he meant, it was obvious that he was complaining and wanted a lower interest rate.
Now I can't even deal with Jimao and his son. How can people be so greedy? So shameless?
"President, we made an agreement first. And this is already our biggest concession! If the interest rate is any lower, we will have no way to explain it to the head office."
Ji Maoche was young after all, so he couldn't bear it anymore and 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, acted angry, and scolded his son.
"Asshole! You're not even polite! How could you talk to President Watanabe like that! Apologize!"
Then they started to plead for their son with nice words, and explained to Kitaro Watanabe in a more tactful way, saying 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 didn't say it was expensive or cheap, he just didn't care and asked as calmly as possible.
However, his attitude was like that of a mother-in-law who wanted to add a bride price 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 while and cut off the last piece of flesh he could give up.
"This is 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 wonder if you like whiskey?
Suntory has specially produced whiskey as a gift for this bank. I can also give you a golf club membership card. What do you think? This is really the limit of my ability."
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 hadn't needed a higher amount and was willing to lend 4 billion, Minister Yoshimo would never have quoted this price.
Of course, Kitaro Watanabe knew this. Although he always maintained a sinister and even arrogant tone, his eyes always exuded the sharp light of a businessman. At his heart, he was 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 only a second time after the first time. You can modify the contract and we will sign the contract. But
, I have to trouble you to help pay for the room and meal expenses I have stayed here these days. A large company like Sumitomo Bank is always very generous with entertainment expenses, right? Also, the 100 million yen in cash I requested is now
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 have seen it, Sumitomo, this is Sumitomo, one of the six major financial groups! Even the banking elites 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! In the past, when I begged them, 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 be angry with him and scold him for his failure.
So naturally, I 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 a loan of 4 billion yen and so many harsh requirements. He 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. You should cherish them. As for Watanabe, don't let him go.
In my heart, a blind and arrogant person like him will have bad luck sooner or later. When the time comes, he will look good. I will let him know what else Sumitomo Bank can do for him. In fact, if it weren't for the Bank of Japan's fast indicators
When it expires, I don’t want to deal with people like Watanabe.”
"I understand, you are doing it all for me. Due to the way of the world, 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, the first place in performance is stable. However, President Ning’s wedding is tomorrow. Should we prepare some additional gifts in addition to the gift money?"
"Well, 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 really need to express your sincerity with gifts.
.And President Ning Azabu’s bookstore is quite large. If housing prices continue to rise, the value of the collateral will also increase. Maybe he can be persuaded to apply for additional loans in the second half of the year. Your performance pressure will also improve."
"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 the others! Don’t be stingy with customers like this who can build your career and bring you a stable future, you understand! How much social expenses do you have this month? Take them all.
