And the courtesy after the meeting was actually the process of confirming all his conjectures.

Just like this, when the celebration program is over and the banquet begins.

As soon as he noticed that Ning Weimin had left the table, he followed him with all his eyes and ears, and he must seize this opportunity.

There is nothing we can do. Who can make the parents in the world pity? No one can save a coward child who is as good as a useless snack!

Japanese people also have a passion for licking calves, okay?

As for Ji Mao's expectations, they are really not too high. As long as Ning Weimin is willing to use Tan Gong Restaurant as collateral to get a loan of 350 million within this month.

Needless to say, although it was impossible for Jimao to tell Ning Weimin the whole story, he definitely had some reservations for the sake of face.

But such a good thing delivered to his door was enough to impress Ning Weimin.

If he hadn't encountered it himself, he wouldn't have believed that such a ridiculous thing would happen, that a Japanese bank would actually ask for a loan.

He didn't need to find out what was going on. It was enough to know that Sumitomo Bank was willing to give him money for free. What reason did he have for not agreeing?

It could even be said that this was a surprise that fell from the sky to him, and he couldn't even ask for it.

Don't forget, he is not Japanese, and he cannot participate in many lower-cost financing methods in the Japanese financial market.

Originally, because he could not get a loan from a Japanese bank, he resorted to the French as the next best option.

If you compare the two, the interest rate on the loan given to him by Crédit Suez is like a loan shark.

In addition, he originally planned to open a branch in Osaka or Kyoto this year, so he really needs money.

Isn’t this a hit-and-miss?

It turned out that he really wanted to sleep, so someone brought him a pillow.

So after he learned about Jimao's request, his first reaction was to nod and express his willingness to help.

However, Yoshimo was not happy. He then apologized again, frowned and shook his head.

And his attitude is so repetitive, of course it is not because he is unreliable and expresses his opinions randomly without thinking carefully.

Rather, it is because he knows very well that it is best to express embarrassment appropriately when helping, so that the other party can be more sympathetic. This is what he did deliberately.

In addition, it was also because he had a big appetite and wanted to see if he could get more money from Jimao.

If you agree directly, what’s the point?

Sure enough, Jimo was a little anxious first, fearing that he would waste a long time spitting.

"President Ning, what worries do you have? With the size of your restaurant, you won't be able to afford a loan of several hundred million, right? Maybe you don't know yet. Not long ago, at the beginning of this month, the Bank of Japan

It was announced that the central bank's discount rate will be reduced from 5% to 2.5%. In fact, the interest rate is really not much. If you borrow 300 million yen, you will need to pay our bank's interest per year, which is only about 10 million yen..."

"I'm afraid you misunderstood." Ning Weimin smiled slightly, "The main problem is actually the time difference. You also know that the investors of Tan Gong Restaurant are relatively complicated, and there are two units with official colors. So according to

The rule is, if I want a loan, I must apply to the country, and I can only proceed after it is approved. Otherwise, I can't explain it. But if this is the case, I can't say when. Anyway, I will definitely not be able to apply for a loan within this month. What do you mean, I don't know your bank.

Can I first accept a mortgage loan from another company under my name, a bookstore that belongs entirely to me. This does not require me to communicate with the country..."

However, after he said this, he saw Ji Mao's expression dimming a bit, "Well, that would be more troublesome. Although I can understand it, our bank still has strict requirements on business operations for loans. Generally speaking,

I’m afraid it will be difficult for a small private enterprise to get its application approved. President Ning, can’t you really think of a way?”

This is obviously looking down on Ning Weimin, but it is normal. After all, China is still an economically backward country.

A business run by a young man like Ning Weimin is certainly not as reputable as a restaurant with an official background.

Moreover, bookstores in Japan do not make much money, and the Bank of Japan cannot grant loans to people at will. There are still thresholds for applying for loans, otherwise Yoshimo would not have to worry about his son.

However, Ning Weimin was not discouraged. He just pretended to be helpless and spread his hands, using a desperate move.

"It's not that there is no way. I can still talk to the top figures of several domestic investors. Maybe we can go through special procedures. But, the 350 million seems to be too little. To be honest with you,

Because the restaurant is indeed very profitable, my current turnover is 10 million yen a day. I am actually considering whether to open a branch. If I hadn’t met you today, I might have contacted the French bank Caisse Suez about this matter.

, I have an old relationship with them that we have cooperated with several times. When I started doing business in Japan, I got the loan from them. I believe that if I use the restaurant as collateral this time, it will not be a problem to borrow several times more money.

.However, the interest rate of the French will be a little higher. That’s why I think it would be good to make a deal with you.”

These words made Ji Mao's eyes suddenly light up. As a Chinese, Ning Weimin had the courage to take on more loans. This was something he did not expect.

He quickly said, "Yes, the French bank interest rates are very high. I'm afraid you will have to pay more than double the interest. Since your restaurant business data is so good, we can also adjust the loan limit for you. I don't know what you want."

What do you think of one billion yen?”

"How about two billion yen? My restaurant's annual net profit is at least one billion yen. According to the bank's guidelines, it should be double credit based on the company's revenue, right?"

"Well, okay, you really impress me."

Ji Mao couldn't help but take a deep breath, he couldn't help but be a little surprised by Ning Weimin's responsibility and ability to pay debts.

And he didn't forget to add, "But you have to ensure that your restaurant's operating conditions are indeed as you said. Our bank will also send special personnel to investigate before approving the loan."

"Of course, I'm definitely not lying about this. Oh, by the way, I also want to ask, how is the bookstore I mentioned just now? I can guarantee that the bookstore has no debt and is making money, just a little less. Everyone

I only have a profit of one million to two million yen per month. Can you also lend me some personal loans? Since you have made a loan for the restaurant, I can't just take the bookstore and then go to the French."

There is no doubt that what Ning Weimin means is that this bookstore is a good match.

Ji Mao did not refuse this time. He pondered seriously for a moment before saying, "Look, do you think this is okay? If there is really no problem with the situation of your restaurant and the loan is successfully approved, I will also apply for a loan for your bookstore."

, but the amount will not be too high, I am afraid it can only be 80 million to 100 million yen at most. I hope you can understand this..."

Of course Ning Weimin can understand.

Anyway, it's just a mortgage business, not including real estate, so if you can get money, you've earned it.

And the most important thing, he tore a hole in Sumitomo Bank's credit department.

"No problem, happy cooperation." Ning Weimin happily extended his hand decisively.

Attending the celebration this time, he originally thought that he had to come and it would be a boring social event, but he never expected that he would have such an opportunity and gain.

Jimao also breathed a sigh of relief and happily extended his hand in response.

Just like that, the two people stood in front of the sink and shook hands solemnly for the "loan package" they had just negotiated.

Although it is said that the contents of this transaction are not very clean, many aspects may involve operational violations within the Sumitomo Bank system.
Chapter completed!