money player

Chapter 152: Going off the beaten track
[Helpful reading tip: In 1949, Dodge planned to fix the exchange rate of the Japanese yen to the U.S. dollar at 360:1. This exchange rate was maintained for 20 years. It was not until 1971 that the exchange rate became 350:1. In the following 15 years, the exchange rate Up and down between 210-303, followed by the Plaza Accord, the yen soared. ]
After Matsuda Yoshiko finished preparing the cigar, she held the cigar in her mouth, lit it, and stuffed it into Xian Yaowen's mouth.

Xian Yaowen took a puff, held the cigar in his hand, and raised his fingers at Yoshiko Matsuda.

The two came to the large floor-to-ceiling window. Xian Yaowen pointed in the direction of the hotel door, which was blocked from direct view, "I brought U.S. dollars and Japanese yen with me when I came to Tokyo. There were more U.S. dollars, but only less than 10 Japanese yen. I planned to go to foreign currency exchange. Exchange points for Japanese yen at the official price. Considering the current economic development situation in Japan, the exchange rate of Japanese yen is overvalued, and it is a bit of a disadvantage to exchange at an exchange rate of 1 yen for 360 U.S. dollar.

Who knew that I was being targeted when I got off the bus in front of the hotel. When I was leaving, the person who was targeting me came to me and asked me if I had any US dollars. He was willing to exchange them with me for a price of 385, and said If the quantity is large, you can add more.

The price sounded good to me, but I didn't rush to change it. I just told the person to wait until I inquired about it. Unexpectedly, the man became anxious and kept raising the price. Finally, he was willing to trade with me at a price of 410. I agreed and exchanged 5000 US dollars with him. "

Xian Yaowen sneered, "It seems that people who transfer foreign exchange in every country are not very honest. That guy played tricks and gave me more than sixty bills less. I caught him on the spot. After negotiation, he promised to compensate three for every short and three for any more." Gave me 18 yen."

Yoshiko Matsuda laughed playfully, "Your negotiation process must be very friendly."

Xian Yaowen nodded, "Yes, very friendly. Of course, this is not the point. I want to tell you that the value of 5000 US dollars should exceed 220 million yen. Otherwise, for foreign exchange traders, the profit will not be enough for them to take risks."

Now and in the next ten years or perhaps twenty years, there are two top priorities for you in the East. The first is to take back national sovereignty from the Americans and weaken the United States' control over the East. I believe this matter is important. Our government is already doing it.

The second thing is to break through the siege of the United States, return to the international community, establish diplomatic relations with other countries, export your industrial products to other countries, and exchange for a large amount of foreign exchange. One is to improve the domestic economy, and the other is to invest abroad, in energy, finance, etc. The field has a certain right to speak.

Judging from the international strategies implemented by Dongyang before, promoting overseas immigration will become one of the important means to achieve the second thing..."

Xian Yaowen told Yoshiko Matsuda about the history of immigration in Japan in detail, "Let's not talk about officially organized immigration for the time being. There is no sign of this yet. Maybe we will see it in two or three years.

After 1945, the living environment in Dongyang was not very good. Many capable people chose to leave Dongyang to live in other countries. The situation has not improved much until now, and many people still want to leave.

If you want to leave, you have to sell Toyo's assets and convert the money into U.S. dollars. In this process, there are two high-yield business opportunities. One is to acquire assets at a low price, and the other is to exchange them for U.S. dollars at a high price. I have been to the bank and I want U.S. dollars. It is easy to exchange Japanese yen, but it is very difficult to exchange Japanese yen for US dollars, and there is an amount limit, so you can't exchange much at all.

The two businesses complement each other and can be bundled together. On the condition of deposit certificates from overseas banks and a small amount of US dollar cash, the customer's assets are acquired at low prices. One is directly lowering the price, and the other is indirectly lowering the price through exchange rates. The profits will be quite generous.

Acquiring assets is only the first step. Although overall, Dongyang's economy is developing in a positive direction. The assets we acquire will definitely appreciate in value in the future. If we hold it in our hands and wait for a while, we can still get good returns. Profits, however, my funds are not unlimited. I can't last long if I can't make any money.

Assets need to be bought, and part of them must be sold in exchange for funds. Most of the funds obtained will be given to me to convert into US dollars to maintain the business, and a small part will be given to you to run another business. "

Xian Yaowen patted Yoshiko Matsuda on the back and said, "Go and freshen up. Let's go to the balcony to eat and talk."

"Hay."

In less than twenty minutes, Xian Yaowen and the two had arrived on the balcony of the hotel, ordered two breakfasts and chatted while eating.

"Before talking about new business, let's go back to the Panasonic advertisement I just told you. In fact, it's not just Panasonic's advertisement. The characters in advertisements for Toshiba, Hitachi, and Sharp are also changing from fashionable girls to housewives, and integrating into the family intentionally or unintentionally. the concept of.

The reason why the advertisement is positioned like this is from a marketing perspective..."

Xian Yaowen talked a lot, and seeing Yoshiko Matsuda looking confused, he waved his hand and said: "Forget it, I won't go into the theory. I will tell you the conclusion directly. It is very simple. A family needs various home appliances, radios, Washing machines, refrigerators, electric fans, etc., linking products with households is to increase brand influence and facilitate the sale of other related products of the company.

From a family perspective, as long as they can afford it, most families would like to live a more refined life, with a big house, a car, servants to do housework, exquisite food, beautiful clothes, and listening to the music for a while before going to bed. A radio, or even watching a movie, are a lot of things families want.

Pay attention to the premise that I said "affordable". To have the things I mentioned, the family must have a very good income. At present, there are only a few high-income families in Japan, and most of them are low-income families. Apart from basic expenses, it is difficult to save a sum of money to buy big items like washing machines and refrigerators.

Have you ever been to Marui or Midoriya to do some shopping? "

Matsuda Yoshiko nodded, "I often go to Marui."

"Then you should know its monthly sales, right?"

"know."

"Suppose you have no money today, but you will have money in your account tomorrow, and you see something you really want in the department store today. It just so happens that the department store allows you to buy it on credit, so you will buy that thing ?"

Yoshiko Matsuda thought for a moment and said, "No, I will wait until I get the money tomorrow to buy it."

"Okay, my hypothesis is not rigorous enough. If tomorrow is changed to next month, and you like that thing very much, will you buy it?"

Matsuda Yoshiko shook her head, "Still not, I will wait patiently until next month."

Xian Yaowen frowned, "I'll change it again. You will die without that thing. Do you want to buy it?"

"Takano-kun, why do you have to ask me to buy it?" Yoshiko Matsuda asked with a puzzled look on her face.

"Because you said you don't want to buy it, I can't go on." Xian Yaowen wanted to make the topic as simple and understandable as possible, but who knew he would meet such an alien like Yoshiko Matsuda.

Yoshiko Matsuda had a helpless expression on her face, as if she was unwilling to accept Xian Yaowen's wish and said, "Okay, I'll buy it."

Xian Yaowen shook his head with a wry smile and stopped talking about what-ifs just now. "A farmer and his wife don't have much food at home. If they save some food, they can still eat for ten days, but they are not worried at all that they will be hungry." , but eat freely, because the rice has been harvested and is being dried, and they will be able to eat new rice soon.

Not only did they eat freely, they were also discussing making some new clothes for the children at home, because the silkworms they raised would soon be harvested, and they felt confident.

If they finish eating the food stored at home, they will not know where the new food will come from. The couple will not dare to eat as much as they want. Instead, they will eat as much food as possible for ten days by reducing their food intake. .

The same is true for couples in the city. If their jobs are stable and their income is stable, within a reasonable range, they will dare to spend money, go to a restaurant for a big meal, watch a movie, or buy a refrigerator at a good price, even if they have The money in them is not enough to buy a refrigerator in one go. As long as they are confident about their future income, they will also consider monthly payment sales.

However, life is full of all kinds of accidents. A family will always have additional expenses of one kind or another, and sometimes plans cannot keep up with changes. And you Japanese people only pay attention to the inheritance and continuation of the family, but do not pay much attention to blood relations. The relationship between relatives is weak. , if necessary, try not to trouble others, and don’t want others to trouble you.

Not to mention borrowing money, he will not easily borrow money from acquaintances, nor will he lend it to others easily. If he encounters trouble, he is more willing to borrow money at usury. Lending money with interest is just a transaction and does not require any favors. When the time comes to repay the debt, pay it off if you can afford it. If you can't afford it, hand your wife or daughter to the moneylender, and the transaction will be settled cleanly.

It is this habit that has formed Japan's excellent loan sharking environment. However, the main borrowers of traditional loan sharking are people who are in trouble and have no other way out. They are often involved in human trafficking, making this industry look very dark.

It’s different now. Japan’s economy has shown a rising trend. The hard times will soon be over, and there will be good days for a long time. Everyone has confidence in the future, and they dare to consume, and even It means consumption in advance, taking tomorrow’s money to spend today, and then using the money the day after tomorrow to make up for tomorrow. Spend first and then make up for it, maintaining a virtuous cycle.

If the economy experiences explosive growth in the process of development, this will make everyone more confident in the future and the desire for consumption will increase exponentially.

There is an old Chinese saying that it is easy to move from frugality to luxury, but it is difficult to move from luxury to frugality. Once people get used to more luxurious consumption methods, it will be difficult to go back to the days of budgeting. The same is true for early consumption. Once you get used to it, it will be difficult. Change, unless you suffer a lot because of debt repayment.

Yoshiko, do you know how loan sharks force debts from borrowers? "

Yoshiko Matsuda knew this well and said without any hesitation: "Humiliate, intimidate, beat, rape, and burn down the house."

Xian Yaowen raised his index finger and shook it, "These methods are too rude and do not conform to the spirit of the rule of law. As a loan shark practitioner, you must know the law and be good at using legal weapons. First of all, starting from the loan contract, you should Let professional lawyers get involved and draft professional contracts that are absolutely in compliance with the law to ensure that the business is legal from the ground up. Secondly, in the debt collection process, do not use drastic measures against borrowers who do not repay their debts in time. Intimidation and beatings are absolutely unacceptable. Yes, so rude.

Bow, hello, sorry, excuse me, and goodbye. These five words constitute the basic professional qualities of a debt collector. The image of a general debt collector should be thin and gentle. It is best to look easy to bully and look like a victim. look.

Don't worry about such an image. Debt collectors will not obediently pay back the money. People have things they care about, weaknesses, and someone they care about very much. I hope that I can be as close to perfect as possible in that person's mind. I don't dare to put it lightly. Show your ugly side to that person.

Find that person and remind the borrower by his/her name and most debts can be recovered. "

"Takano-kun, your idea is too simple. Most people who refuse to repay their debts don't care about their own image. It will be difficult to recover their debts with the method you mentioned."

Xian Yaowen smiled lightly and said, "You are right. The people you know who borrow money and fail to repay are indeed what you said, but the borrowers I am talking about are different. They should be people with serious jobs or businesses. He has a relatively stable income, borrowing money is just a temporary financial problem, and he is unable to make a living without credit. He is not a bad gambler or drug addict as you think.

Before entering the debt collection process, you should negotiate a debt restructuring plan with the borrower, and try your best to come up with a plan that guarantees the safety of the principal, earns as much interest as possible, and does not drag on so long that the funds lose liquidity, and, This solution is acceptable to both parties.

If this step cannot be achieved, the next step of debt collection will be entered. As I just said, the debt collection behavior should not be too aggressive and can only be light debt collection.

There are many techniques for light debt collection. I will tell you in detail next time, so I will go on.

In case you encounter a character who is unable to get enough money, you can list the debt as bad debt, divide it into different levels according to the difficulty of debt collection, package the debt at different discount prices, and sell it to other loan sharks. How do they collect the debt? It has nothing to do with the previous one. The creditor's right to transfer the debt must be reflected in the initial loan contract. "

"I still think you think about things too simply and are not harsh enough on the borrowers. They will not repay their debts honestly. There are many, and more than half of the debts may become what you call bad debts, and the business will lose money."

"Yangzi, you should get out of the circle you were familiar with before. To put it bluntly, your circle is originally a gathering of social garbage, so most of what you can see in your eyes is what I call oil and salt. character, you will naturally think that this business cannot be done.

In my eyes, the borrowers are more like the type of people who were bullied by your Matsuda group before. They have a lot of scruples and will not break their current living conditions because of trivial matters. Most people who cannot repay their debts on time do not want to do so subjectively. It's because of certain objective conditions that they can't afford it.

Light debt collection forces them to use methods they are subjectively unwilling to use to resolve their debts, such as borrowing from immediate family members, rather than forcing them to take risks and adopt extreme measures that will completely destroy themselves. This is not advisable and will go bad. word of mouth. "

The "borrower" that Xian Yaowen mentioned was completely different from what Yoshiko Matsuda thought. Although Xian Yaowen explained it again, she still couldn't understand it and was skeptical about the loan sharking business. But she is very sure about the "immigration" business. Whether it is selling assets or exchanging foreign currency, she has been exposed to it before, and she can realize that it is indeed a good business.

However, because she did not want to lose face to Xian Yaowen, she did not raise any further questions.

Looking at the expression on Matsuda Yoshiko's face, Xian Yaowen could tell that she did not agree with his point of view, and he did not want to continue to explain her through words. Matsuda Yoshiko was not a blind follower, and he wanted to change her perception of the borrower. Let her get to know and contact relevant people. Just talking won't do it.

It just so happens that the golden period of the loan sharking business has not yet arrived. You don't have to worry too much about the early and late planning of the loan sharking business. As long as it doesn't take too long, you can just put it aside and start the "immigration" business first.

Finished eating.

Matsuda Yoshiko returned to her shop, and Xian Yaowen quickly rushed to the station and got on the train to Nagoya.

He went to Nagoya not to see the scenery, but to visit a person, Masamura Takeichi, the president of Masamura Shokai Co., Ltd. He was an early person who engaged in pachinko business and was also an inventor of pachinko. , invented the Masamura meter, and developed a new pachinko machine "All 10". The use of Masamura meters on pachinko machines seems to have become an industry standard.

Without flattery, Takeichi Masamura can be called the father of pachinko.

To do pachinko business, you naturally need pachinko machines, and his trip was just to place an order for the machines.

It took 1000 kilometers to go and kilometers to return. It took nearly eight hours to travel, but less than half an hour was spent on doing things. The business of Zhengcun Chamber of Commerce should not be too good. Order Pachinko. There was an endless stream of people queuing up in front of a window. When it was his turn, he was asked how many units he wanted to order, told the quantity of units, got an estimate of the delivery time, and then was urged to pay, and he had to pay. Pay in full.

The unit price of "All 10" is 7000 yen, and 1000 units is 700 million yen. How can he have so much cash on him? He proposed to pay a 205% deposit first and pay the rest in one lump sum when picking up the goods. However, he was ignored by the other party and either paid The money would have to go away; he asked to talk to Masamura Takeichi again, but was still ignored. With no choice, he could only order the maximum units based on the amount of cash he had on him.

This trip to Nagoya made Xian Yaowen quite depressed, but he also knew that the King of Hell was easy to deal with, so he didn't lose his temper.

In the evening, he and Charlotte shuttled through various pachinko shops in Tokyo, letting Charlotte feel what the pachinko craze is. Pachinko shops can be seen on every street, and they are very lively. There is usually more than one restaurant on the street, and pachinko has become a national pastime for little devils.

Looking around, Charlotte fully realizes that Pachinko can help him transform from poor to rich.

Xian Yaowen struck while the iron was hot and told Charlotte to do three things:

First, find a low-level military officer who will be stationed in Japan for a long time to act as a shareholder, and Charlotte will drive a jeep to take the "two shareholders" to register the Steel Egg Pachinko shop.

Second, prepare in advance. On the day when the Steel Egg opens, no less than five senior military officers and several low-level military officers will be required to attend the opening ceremony. Relevant officials from the Japanese government departments will also be invited to attend.

Third, we will meet at two o'clock tomorrow afternoon to discuss the issue of share distribution.

After returning to the hotel, as Xian Yaowen thought, Yoshiko Matsuda, who is both good and fun-loving, was waiting in his room.

In the first round of sage time, Yoshiko Matsuda told good news that Singer Hao had been found. Lotte's factory was opened in Shinjuku. To be more precise, Xian Yaowen had probably seen the lights of Lotte factory the night before, because The factory is located in the open space west of Shinjuku Station.

During the sage time in the second round, Xian Yaowen also gave Matsuda Yoshiko good news. He told Yoshiko Matsuda about the steel egg and asked Yoshiko Matsuda to come forward to find an organization to cooperate.

The pachinko machine was too primitive. After a little research, he easily came up with a few cheating methods. When the steel egg opened, it was inevitable that he would encounter some clever people. The store needed someone to keep an eye on the scene, and someone to come forward to scare the people away. An unpredictable person.

He doesn't care how Matsuda Yoshiko talks to others. His bottom line is to give out 2% of the profits. Whether Matsuda Yoshiko can keep part of it in his own hands depends on her ability. He will also give an additional ‰ of the profits to Matsuda. Yoshiko, even if it is her hard work.

Steel eggs are a short-term business for him. In three years at most, he will sell his share and withdraw from it.

He told Yoshiko Matsuda about this and gave the other party the right of first refusal.

To put it bluntly, this is a big pie.

The next day.

Early in the morning, Xian Yaowen began to study the intellectual property laws of Japan. As we all know, he is a magnanimous person. He did not remember what happened in Nagoya yesterday. He just listened to a paragraph of two guys confronting each other yesterday while waiting in line. Murazhuichi's discussion.

It turns out that Takeichi Masamura went to elementary school for three years, then became an apprentice to a carpenter, then worked part-time, went into business and became an wild inventor. He speculated that Takeichi Masamura wouldn't care about small details like patents.

After researching for almost two hours, he felt that he had a clue, so he went to the "Specialty License Office", the department responsible for patents, to inquire whether "All 10" and "Masamura Instruments" had registered patents, and got the answer that they had not. He went to the telephone office and hung up a long-distance call.

Then, I went to a pachinko shop I had visited last night and bought a broken "All 1000" for 10 yen. It is not easy to reverse engineer a fighter jet, but it is not that difficult to reverse engineer a pachinko. The machine will be sent back to the hotel first, and I will take an hour to study it carefully before going to bed at night. I should be able to get the information for registering a patent in the United States.

I am very grateful that there are many money-minded litigators in the United States, and I am also grateful for the lobbying system in the United States. I am also particularly grateful to the Japanese government for its particularly sensible attitude when facing the American boss. Xian Yaowen plans to build a small Pachinko into a connecting link. The bond between Washington and Tokyo allows the Japanese government to stand up and apologize to the American master, the law, and justice in front of a complete chain of evidence. In addition, he will spend a measly two or three billion yen. as compensation.

(End of this chapter)