National Tide 1980.

Like Kenichi Sagawa, he worked in the Japanese financial industry on the same night.

There are also some others who feel extremely fortunate to have met a client like Ning Weimin.

But what’s interesting is that for these people, it is precisely the significant differences between the two countries’ cultures that have accentuated Ning Weimin’s brilliant halo.

It was the vulgarity of the Japanese nouveau riche that made him, a Chinese nouveau riche who understood that "harmony brings wealth", appear to be a noble and admired person.

On the evening of May 5nd, in a luxurious suite of the Imperial Hotel in Tokyo, the room had a view of the dim night view.

Yoshimo, the head of Sumitomo Bank, stood here with his son Yoshimo, holding their pens.

They were facing a fat, bloated middle-aged man in his fifties who was sitting on a wide sofa with a big smile on his face.

However, this was in stark contrast to the respectful appearance of Yoshimo and his son, who were dressed in suits.

It was that middle-aged man who was careless and whose words and actions were particularly inappropriate.

This guy not only has a face full of flesh and a short stature, but also wears a pair of frivolous red-rimmed glasses, looking like an ugly toad.

The key point is that he was untidy, wearing only pajamas, with his legs crossed, and hugging two charming women on his left and right.

He looked like he was enjoying it and was also showing off, especially the way his hairy bare legs were shaking under his pajamas.

For people who are accustomed to order and abide by the rules, his attitude is tantamount to an insult and provocation.

However, both Minister Ji Mao and his son Ji Mao Ce had to bow their heads and endure at this time.

Even Minister Yoshimo himself had to rack his brains to think of flattering words to please and flatter.

If for no other reason than this toad-like middle-aged man is Kitaro Watanabe, a real estate hoarder who has successfully risen rapidly in Tokyo in recent years by taking advantage of the economic bubble.

Even though this guy started out with just a used car market, he relied on his excellent financial management skills and his bold and greedy appetite.

However, in just two years, by simply borrowing money from banks to buy land and buildings, he owned dozens of real estate and properties in the port area.

Today, he earns nearly several billion yen a year from rental income alone, making him a lucky person in the bubble era.

Although his Azabu Building Company cannot be compared with the real estate king Mogami Tsunesaku, it can also be regarded as an upstart company that is growing at an incredible speed.

In the real estate industry in Tokyo, it is a company that can stand shoulder to shoulder with Takahashi Osunori's EIE Group, Sato Yukio's Daiichi Real Estate Group, and Kobayashi Shigeru's Hidewa Group.

These rapidly emerging new entrants are collectively referred to as the "Four Major Hoarders" by the Tokyo real estate industry.

Although they were highly respected by their peers and the Japanese financial community, they were collectively regarded as "nouveau riche" and were 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 is constantly purchasing real estate and properties, has undoubtedly become a hot commodity that all banks are vying for.

No matter whether this greedy guy wants to rely on this trick to buy the entire port area in the future.

Anyway, in order to lend money and meet the loan targets assigned by the Bank of Japan, even Sumitomo Bank, which has the same origin as Sumitomo Real Estate, had to humble itself and curry favor with its rival.

"President Watanabe, you are now a wealthy man with countless valuable assets in Minato-ku, and you are so free and easy. It is a great honor for our Sumitomo Bank to have the opportunity to cooperate with you."

"Don't say that. I'm just a small businessman. You guys who work in big banks don't need to flatter me like that."

"President Watanabe is really funny. You own countless buildings and apartments in Minato. The rent you collect every year is an astronomical figure. You are indeed a powerful giant. With such huge assets, how can you be called a small businessman?"

"I'm quite serious about this." Watanabe Kitaro snorted a few times with a fake smile, "To be honest, I'm just lucky to have caught up with the times. Back then, I took the initiative to come to your bank, hoping to borrow a little money for turnover, but was decisively rejected by your bank. To be honest, I'm very surprised why you took the initiative to come to me. Have you started to lower your lending standards?"

This was said mercilessly and it was a question that was asked despite knowing the answer. It immediately left Ji Mao and his son stunned in embarrassment.

But ginger is spicy with age after all.

Although I don’t know what to do when faced with verbal abuse and humiliation, as a father I have seen many storms.

Minister Yoshima was quite capable of swallowing his pride and soon recovered.

He neither admitted his fault nor apologized.

Instead, he avoided the main issue and tried to resolve the issue cleverly by further flattering others.

"President, you are such a joke teller. You can't just say that you have 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 keeping up with your pace. In this world, all the great figures should have this ability like you, so they are destined to lead the times and walk ahead of everyone else..."

It has to be said that only those who know how to take roundabout ways can get the best of both worlds.

Jimao, this old-fashioned man, really knows how to smooth things over and get himself out of awkward situations.

Look, he was flattering the other party desperately. In this situation, even if Kitaro Watanabe knew that it was just an exaggerated and polite remark, he had to say "yes".

Because for such small businessmen, bringing up old issues and making difficult statements are simply done to save face.

It is not a good idea to speak out against it and belittle yourself just to embarrass the other person.

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

As a result, the two of them let go of the fact that Kitaro Watanabe had been rejected by Sumitomo in the past and let it be.

But then again, there are some things that Kitaro Watanabe can just let go.

But when it comes to practical issues involving specific interests, he, a nouveau riche from the lower class, has to be very calculative.

"Brother Ji Mao, although I have 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 of this?"

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

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

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

The terms were almost agreed upon, but when the time came, Watanabe Kitaro deliberately said this. Yoshimo and his son knew that this was a trick, and the other party probably wanted to use this as an excuse to take advantage of him.

After looking at each other silently, the eyes of the father and son were filled with helplessness at encountering a rogue.

"Then let's adjust it to 4%. I think you'll be satisfied with that, right?"

Not daring to delay too long, fearing that the later the night, he made the decision to make further concessions with the aim of signing the contract as soon as possible.

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

"Ha? Brother, are you kidding me? They 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 deal 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, the project I want to do with the loan from you this time, if the conditions of the land only allow a 20-story building, then I won't make any money. What should I do? I can only think of a way to increase the height and build a 22-story building with a 20-story height..."

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

  This time, both Ji Mao and his son were in trouble. How could people be so greedy? So shameless?

"President, we agreed on this first. And this is already our biggest concession! If the interest rate is any lower, we won't be able to explain to the head office."

Ji Maoce was young after all, and at this moment he could no longer hold back and impulsively interrupted.

Needless to say, his words immediately angered Watanabe Kitaro, who said sarcastically, "Oh, kid, not only can you not understand my difficulties, but you are giving me an ultimatum?"

Seeing that his son was about to offend someone and mess things up, Minister Yoshimo 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 that! Apologize now!"

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 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 suddenly demanded an increase in the bride price on the wedding day, which made both Ji Mao and his son feel tremendous pressure.

Their bodies couldn't help but tremble slightly, and both father and son realized that this might be the critical point where the outcome would be decided, and if they were not careful, all their previous efforts would be wasted.

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

"That's the interest rate. At most, I can extend the repayment period from five years to seven years. Also, Sumitomo Bank will give you a special gift to thank you for your care. Do you like whiskey? Suntory has a gift whiskey specially produced for this bank. I can also give you a membership card for the golf club. What do you think? This is really the limit of my ability."

Minister Yoshimo was not exaggerating.

Judging from this price, it is indeed the best that the father and son can afford.

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

If Kitaro Watanabe had not required a higher amount and was willing to lend 4 billion, Minister Yoshimo would never have quoted this price.

Kitaro Watanabe is certainly aware of this. Although he always maintains a sarcastic, even unreasonable tone, his eyes always radiate the sharpness of a businessman. At heart, he is a cunning businessman.

At this time he was able to conclude that he had obtained the most favorable terms, so he chuckled and made an expression of understanding.

"Okay, okay, brother, since you are so sincere, I'll roughly agree on these terms. There will be a second time after a first time, so you can modify the contract and we'll sign it. However, I'd like to trouble you to help pay for my room and meals here for the next few days. A big company like Sumitomo Bank should have plenty of hospitality expenses, right? Also, give me the 100 million yen in cash that I requested now."

And despite Watanabe Kitaro's mercenary negotiation tactics, he still managed to gain an advantage of 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, for fear that this guy would come up with any additional conditions, they almost unanimously nodded, quickly modified the contract, signed the contract with Kitaro Watanabe, and completed the formalities.

Then he took out the two boxes of money he had brought with him, placed them neatly on the coffee table, and immediately said goodbye and left.

As a result, as soon as I walked out of the guest room door, I heard the sound of Kitaro Watanabe flirting with two women unscrupulously.

"Haha, you see, Sumitomo, this is Sumitomo, one of the six major financial groups! Bank elites have to be humble in front of me!"

"Here, I'll give you a stack, and there's one for you, too! Well, you guys also think the smell of money is nice, right? I've loved the smell of money since I was a kid!"

"Haha, these people are really mean! In the past, I went to ask them for money, but they refused to give me any. Now they are smiling and want to give me money! Tell me, who is the slave and who is the master?"

"Bank, bank, this is ridiculous!"

These words made Ji Mao and his son extremely ashamed and angry. They wanted to cover their faces and run away in a hurry.

No matter how well-mannered Minister Yoshimo was, he couldn't help but get angry.

After entering the elevator, he kept a gloomy face.

Although he didn't say it, he silently kept a record of Watanabe Kitaro in his heart.

Although it is comfortable to get money from banks now, it can kill a company when the time comes.

When Yoshimosuke saw his father's expression, even though he hated Watanabe Kitaro very much, he couldn't curse him, for fear that his father would vent his anger on him and scold him for being incompetent.

So naturally, I could only start to remember Ning Weimin's good qualities.

"President Ning is still very reasonable. He is the most elegant client I have ever met. He loaned 5 billion yen at an interest rate of 6% without saying anything, and he didn't even bargain. This rough guy is nothing like him. Not only does he behave in a vulgar way, but he also loaned 4 billion yen and made so many harsh demands. He is really a nouveau riche."

"Well, President Ning is a very good friend. I didn't expect that a Chinese like him could be so generous and courageous. This is a truly high-quality customer, you should cherish him. As for Watanabe, don't take it to heart. People like him who are ignorant of the immensity of heaven and earth and blindly arrogant will have bad luck sooner or later. He will be in trouble then. I will let him know what Sumitomo Bank can still do for him. In fact, if the Bank of Japan's quota was not about to expire, I would not want to deal with people like Watanabe."

"I understand. You are doing this for me. The world is like this. The current banking industry is in a downturn. We can only endure it. But thanks to you, I don't have to worry about this month's performance. I will also receive a commendation from the president. I am sure I will be the top performer. However, tomorrow is President Ning's wedding. In addition to the gift money, shouldn't we prepare some extra gifts?"

"Yeah, that's right. I was a little careless about this matter. You're right. You can't just help someone with a loan and then forget about maintaining the relationship. For someone who values ​​friendship like this, you really need to use gifts to express your sincerity. Besides, President Ning's Mabu's bookstore is not small. If the house price continues to rise, the value of the collateral will also go up. Maybe in the second half of the year, we can persuade him to add more loans. Your performance pressure will also be reduced."

"Um... Minister, there is something I haven't had time to tell you... Um... Um, President Ning seems to have an industrial warehouse of tens of thousands of square meters near Tokyo Port. The land price there has risen sharply. It is said that he borrowed several hundred million from the French just for that warehouse. 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 before Mitsukoshi Department Store closes! Don't be stingy with this kind of client who can make your career successful and bring you a stable future. Understand! How much do you have for social expenses this month? Take it all out, don't feel bad!" (End of this chapter)