The light and sweet voice of "チェリーブラッサム" began to be heard.
Even the posters of Seiko Matsuda are in bright colors, as if the cherry blossoms will bloom early in the streets of Tokyo two months later...
After Yamaguchi Momoe retired, the idol industry in the past two years has been dominated by Matsuda Seiko.
On the street, you can hear the occasional passing female students humming this melody.
The supply of records in the store exceeds demand, and they all ask for more copies.
Of course, Nagayama Naoki didn't have to buy it. As soon as the album was finished, Miwa Daisuke sent ten copies, and they were the kind of "connected goods" signed by Seiko Matsuda.
Naoki Nagayama certainly did not forget Suzumi Hoshino, and sent one to her and Wonta Nakai each, and Tsuruko at home also sent one. However, her mother Nanako Nagayama is not a fan of young idols, she prefers Hibari Misora.
By the way, Wonta Nakai seems to have decided to join a bank and become a very popular Bankman of Tokyo-Mitsubishi Bank. Maybe you can approach him for loans in the future.
A week after the album was released, it indeed occupied the first place on the Oricon charts. It can be said that the album has become a hit.
The lyricist and composer listed on the record are Naoki Nagayama, which of course aroused curiosity in the industry. Some media tabloids have already used the term "genius songwriter" to describe this blockbuster newcomer.
At this time, Naoki Nagayama finally let go of his long-standing worries. Even if it disrupted the history of the record, it was still a popular song.
...
...
When the rankings appeared, Nagayama Naoki started the plan he had always planned.
"Wonta-san, how are you working at the bank?" Naoki Nagayama contacted Nakai Wonta on Monday.
"What can I do...serve tea, serve water and run errands in the branch? Isn't this what newcomers do when they first join the company~" Especially in RB, the situation based on seniority is even more serious. Generally, newcomers with no background like this will not run.
There will be no chance to really start the business after one year.
"How are the seniors who directly report to you? Are they easy to talk to?" The mentoring system is also one of the corporate cultures.
"Ito-kun... he is an experienced senior. He is very popular in the company and treats people very well..."
"Ara, you didn't bully the newcomers. It looks like you have strong business capabilities~" In a situation like RB Bank, where there are more wolves than meat, everyone has a fake smile on their face. Bullying newcomers is a tradition. The more incompetent the old people are,
The worse the attitude towards newcomers.
"Maybe, but I have no contact with business for the time being, so I don't know the specific situation~"
Nagayama Naoki said at this time: "Wonta-san, if you bring a user with a large loan there now, will Ito-senpai let you get in touch with the business in advance?"
There is a type of employee in a bank, called resource employee, who can bring a lot of business, funds, connections, etc. to the bank, and is highly valued by bank leaders.
The economy of RB has been in good shape in the past two years, and banks are trying hard to lend out money, and Bank of Tokyo-Mitsubishi is no exception.
"Large amount? How big is the amount?"
"At least 100 million yen~"
"That's not too big... But it should make Ito-senpai happy~" I always feel that I have been ridiculed in some way...
Well, you Wonta Nakai, you just went to the bank a few days ago and you actually treated 100 million as a lot of money!
Early the next morning, Yu Yongshan Naoki found Wonta Nakai in the conference room with the copyright sharing contract.
I took a few sips of the hot tea served by the bank girl, and it left a fragrance in my mouth. It was indeed much better than the tea served by real estate agencies and offices.
After a while, Nakai Wonta led an old man in a suit and gold-rimmed glasses to walk in. As soon as he entered the door, he first bowed to Naoki Nagayama: "First time we meet, I am an important account manager of Mitsubishi Bank. My name is Ito.
Really good."
"First time we meet, I am Naoki Nagayama." Naoki Nagayama also bowed in response.
"Yongshan Jun, thank you very much for choosing our bank. I will do my best to handle the loan business for you." Bowed again...
"Hey, I need to trouble you now, Ito-kun." I had to bow again. This etiquette was too cumbersome.
After the two parties were finally able to sit down, Ito Mabuyuki began to ask about the specific matters of the loan, "I heard some of Wonta-kun's words before, but now I still want to confirm it with you."
"Hi, it's actually very simple. I wrote a song before, and thanks to Seiko Matsuda, the record actually had good results. Now I want to use the copyright share of this song as collateral to get a loan from your bank.
To run an industry."
Of course, you cannot directly say that it is used for real estate speculation, otherwise it will be a real estate loan. Even in RB, the review of home loans is very strict. It is necessary to understand the personal annual salary, personal attributes, credit information, etc., and other items must also be reviewed.
For people like Naoki Nagayama who have no salary, no annual salary, and basically no regular income, they cannot apply for many mortgages at all.
Especially if you personally have a home loan, which will result in a low credit rating, then it will be very difficult to use the house for another mortgage loan.
But if it is a commercial mortgage loan, then the review will be much looser. As long as the commercial value of the collateral is confirmed, there will basically not be too much control over the use of the money.
"Which song does your copyright share belong to? Have you determined the final scope of benefits?"
"The album Seiko Matsuda has just released, "Tokyo", has already ranked first on the Oricon charts, and is already scheduled to become a big-selling album."
"Ah, this is incredible!" Masayuki Ito obviously also understands the profits of the record industry, "Such a best-selling album, based on the sales of 500,000 copies alone, will generate a share of more than 100 million yen.
....."
Naoki Nakai also interjected: "Si Guoyi, I originally thought that the 10 million copyright fee was all..."
"Hi, but this is the final long-term share. At present, I want to borrow a sum of funds to operate the industry." Naoki Nagayama completely ignored Wonta Nakai at this time.
"Oh, then can I ask, Mr. Yongshan, can you tell me the specific direction of the industry you want to run?"
Naoki Nagayama was well prepared and took out a plan from his backpack, "Based on the most popular dance halls at present and combined with future development trends, I made a plan for the dance hall."
Having worked as a wage earner for such a long time in my previous life, making ppts and drawing data analysis charts was a piece of cake.
This plan is actually based on the disco halls of later generations, but with a 30-year-ahead vision, combined with the development of dance halls and KTVs, the plan looks very promising indeed.
"This project seems to have great potential! Yongshan-kun's vision is really too forward!"
Ito Masayuki has been an important account manager for so long, so he is well-informed. He has seen even those whimsical ideas many times, and this plan made him excited.
"Yongshan-kun, I wonder if you have heard of a proper loan (プロパーローン)? I think Yongshan-kun's plan is likely to be able to apply for a more flexible property loan..."
"Ah, I really haven't heard of it. Could you please introduce it to Ito-kun?"
After listening to Ito Masayuki's introduction, Nagayama Naoki discovered that this so-called proper loan, a deeply customized investment loan, is actually similar to venture capital, with a larger amount and lower interest rates. However, banks also participate in the sharing, but there are many additional restrictions and restrictions.
Oversee projects.
Naoki Nagayama, who knew the specific content, immediately refused. Isn't this the trick of tricking young people into starting a business and then financing and listing it to reap the rewards?
I don’t even want to work part-time, but you still want me to start a business? I have to work so hard to go from 007 to 000...
Originally, this business plan was actually a cover, mainly to get a loan to buy commercial land in the name of opening a disco.
"Thank you Ito-kun for your kindness, but currently I have not considered loaning a larger amount of funds. I still want to share the copyright as a loan first." In rb, such words have been clearly rejected.
"Hey, that's such a pity..." Ito Masayuki was also very sorry. If the negotiation was successful and the project really developed, he would not only get a commission, but he might also be dispatched to the project by the bank.
Become a deacon inside.
This is not the kind of dispatch worker, but a temporary leader similar to China, which is a huge improvement in qualifications.
However, Mayuki Ito did not make further recommendations. Instead, he began to check the information and review the loan limit based on Naoki Nagayama's request.
"Generally speaking, there is nothing wrong with Nagayama-kun's loan information. You should be able to apply for a limit of 100 million yen." Ito Masayuki finally told Nagayama Naoki, "It will take about 3-4 days, and then you can apply."
The account has arrived.”
Because I have been contacted through Wonta Nakai before, the information is very complete, but the copyright sharing contract requires further confirmation of revenue.
In terms of efficiency in this era, it is already very fast.
Of course, this is also because Naoki Nagayama’s attributes are clear and the collateral is of very high quality.
"Then, Mr. Nagayama, I will deal with the related matters of this business first. Next, I will ask Wan Tai-san to entertain you for a while." Masayuki Ito bowed at the end, "Then I will excuse you first."
"Hi, I'm sorry to trouble you today!" Nakai Wonta and Nagayama Naoki both stood up and bowed to say goodbye.
...
With a gentle snap, the door of the conference room closed.
It was only then that Nakai Wonta breathed a sigh of relief: "It's finally over..."
"The atmosphere just now was really tense. I have never seen Ito-senpai discussing business with anyone. I didn't even dare to say a word."
You obviously interrupted... Nagayama Naoki looked at him with contempt, and then said, "There is still a lot to learn, Wonta-san~"
"By the way, why don't you borrow that so-called proper loan? It sounds like the amount is larger and the interest rate is lower?" Nakai Wonta was a little confused.
Of course, in order not to be busy starting a business!
"Do you think the property loan is very good? After listening to the introduction, you will know that the loan is based on the development effect of the project. If the business does not progress or encounters difficulties, the loan will be stopped immediately and then you will be urged to repay the debt...
Find someone to supervise any of your expenses..." Naoki Nagayama randomly found a reason.
"Isn't there a saying that a bank is an institution that 'lends you an umbrella on a sunny day and takes it back on a rainy day'?"
"Ah, Naoki-san, do you have any misunderstanding about banks..."
