Tokyo bubble life

The weather is a little sunny,

In the record stores of Silver Valley and Akihabara,

Then the light and sweet voice of "Cherie Brassam" began to be heard.

Even Seiko Matsuda's posters are in bright colors. It seems that the cherry blossoms will bloom on the streets of Tokyo two months later.

After Yamaguchi Momoe retired, the idol industry in the past two years has been dominated by Seiko Matsuda.

On the street, you can hear the female students passing by occasionally, humming this melody.

The records in the store were even more in short supply, and all of them were required to be reprinted.

Of course, Naoki Naoyama didn’t need to buy it. As soon as the record was finished, Sanhe Daxing sent ten copies, and they were still the kind of “relationship goods” signed by Seiko Matsuda.

Of course, Naoki Nagayama did not forget Hoshino Suzumi, and sent one to her and Genta Nakai, and one to Tsuruko at home, but her mother Nanako Nagayama is not a fan of young idols, she prefers Hibari Misora.

It is said that Genta Nakai seems to have decided to join the bank and become a very popular Bankman of the Bank of Tokyo-Mitsubishi. Maybe he can be found for loans in the future.

After the album was released for a week, it really occupied the first place in the Oricon rankings, and the record can be said to be a hit.

The lyricist and composer written on the record are all Naoki Naoyama, which of course aroused curiosity in the industry, and some media tabloids have already described this blockbuster newcomer as a "genius creator".

At this time, Naoki Naoyama finally let go of his long-standing worries. Even if the history of the record is disrupted, it is still a popular song.

When the leaderboard rankings appeared, Naoki Naoyama started his long-standing plan.

"Genta-san, how is working in the bank?" On Monday, Naoki Naoyama contacted Genta Nakai.

"What can I do? Serving tea, delivering water and running errands in the branch, isn't it the same for newcomers who have just joined the company~" Especially RB, the situation of seniority is even more serious. Generally, such a newcomer with no background will not be able to run for a year. There will be opportunities to really get started with the business.

"How is the senior directly under him? 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."

"Ala, I didn't bully newcomers. It seems that I have strong business ability~" RB Bank has a situation where there are more wolves and less meat. Everyone has fake smiles on their faces. Bullying newcomers is a tradition. The less capable the elderly, The worse the attitude towards newcomers.

"Maybe, but I haven't been in contact with the business for the time being, so I don't know the specific situation~"

Naoki Yongshan said at this time: "Yuan Tai-san, if you bring a user with a large loan, will Mr. Ito let you get in touch with the business in advance?"

There is a category of employees in the bank, called resource employees, who can bring a lot of business, funds, contacts, etc. to the bank, and are highly valued by the bank's leaders.

In the past two years, RB's economy has been in good shape. It is the time when banks are trying to lend money, and the Bank of Tokyo-Mitsubishi is no exception.

"Big amount? How much is the amount?"

"At least 100 million yen~"

"That's not too big, but it should make Mr. Ito happy~" I always feel that I have been ridiculed in some way.

Well, among you, Mrs. Jing Yuan, who only went to the bank for a few days, unexpectedly mistook 100 million for big money!

Early the next morning, Naoki Yu Yongshan found Genta Nakai with the copyright sharing contract, and was taken to a VIP meeting room in the business hall of the Nakano District Branch of the Bank of Tokyo-Mitsubishi.

I drank a few sips of the hot tea brought by the lady from the bank, and my mouth was full of fragrance. It was indeed much better than the tea from real estate brokerage companies and offices.

In a short while Genta Nakai led an uncle in a suit and leather shoes with gold-rimmed glasses and walked in. As soon as he entered the door, he first bowed to Naoki Naoyama: "It's the first time we meet, I am an important account manager of Mitsubishi Bank, and my name is Ito Really good."

"It's the first time we met, I'm Naoki Yongshan." Naoki Yongshan also bowed in response.

"Mr. Yongshan, thank you very much for choosing our bank. Next, I will do my best to handle loan business for you." Bowed again.

"Hey, I need to trouble Ito-kun next." I have to bow again, this etiquette is too cumbersome.

After the two parties were finally able to sit down, Shinyuki Ito began to ask about the specifics of the loan, "I heard part of what Gentai-kun said before, and now I still want to confirm it with you."

"Hey, it's actually very simple. I created a song before. Thanks to Seiko Matsuda, the record has achieved good results. Now I want to use the copyright share of this song as collateral to borrow money from your bank. To run an industry."

Of course, you can’t directly say that it’s used for real estate speculation, otherwise it’s a real estate loan. Even in RB, the review of mortgages is very strict. You need to know the personal annual salary, personal attributes, credit information, etc., and review other items.

For people like Naoki Naoyama who have no salary, no annual salary, and basically no regular income, it is impossible to apply for many mortgages.

Especially if you personally have a mortgage, which will result in a low credit rating, it will be very difficult to use the house to get another mortgage next time.

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 affirmed, the use of this sum of money will basically not be concerned too much.

"Which song is your copyright divided into? Have you determined the ultimate benefit range?"

"It's "Cherie Brassam" just released by Seiko Matsuda. It has already won the first place in the Oricon chart, and it is scheduled to become a big-selling album."

"Ah, this is incredible!" Masayuki Ito obviously understands the profits of the record industry, "For such a hit record, if it is only calculated on the basis of 500,000 copies, there will be a share of more than 100 million yen. "

Genta Nakai also interjected: "Si Guoyi, I thought that the copyright fee of 10 million was all."

"Hi, but this is the ultimate long-term share. At present, I would like to take out a loan for the operation of the industry." Naoki Yongshan completely ignored Genta Nakai at this time.

"Oh, then can I ask, can Mr. Yongshan tell you the specific direction of the business you want to manage?"

Naoki Yongshan was already prepared, and took out a proposal from his backpack, "Based on the current most popular dance halls, combined with future development trends, I made a proposal for a dance hall."

Having been a wage earner for such a long time in the previous life, making PPT and drawing data analysis charts is simply a piece of cake.

This plan is actually based on the disco of the later generations, but with a 30-year-leading vision, combined with the development of dance halls and KTVs, the plan looks very promising indeed.

"This project seems to have great potential! Mr. Yongshan's vision is really far ahead!"

Makoto Ito has been an important account manager for so long, and he is well-informed. Even that kind of whimsical idea has been seen many times, and this project moved him.

"Yongshan-kun, I wonder if you have heard of Proper Loan (プロパーローン)? I think Yongshan-kun's project is very likely to be able to apply for a more flexible Proper Loan."

"Ah, I really haven't heard of it, please introduce it to Ito-kun."

After listening to Makoto Ito's introduction, Naoki Naoyama discovered that this so-called Proper Loan, a deeply customized investment loan, is actually similar to a venture capital investment, with a larger amount and lower interest rate, but the bank also participates in the sharing, but there are many additional terms and restrictions, and Oversee the project.

Naoki Yongshan, who knew the specific content, immediately rejected it. Isn't this the trick of fooling young people into starting a business, and then financing and listing to harvest?

I don't even want to work part-time, but still want me to start a business? Exhausted, changed from 007 to 000.

Originally, this proposal was actually a cover, mainly for the purpose of getting a loan to buy commercial land in the name of opening a disco.

"Thank you Ito-kun for your kindness, but at present, I have not considered lending a larger amount of funds. I still want to share the loan with copyright first." In RB, such words have been clearly rejected.

"Hey, that's such a pity." Masayuki Ito is also very sorry. If the negotiation is a Proper Loan, then if the project really develops, he will not only get a commission, but may also be sent by the bank to become a deacon in the project.

This is not the kind of dispatch worker, but a temporary leader similar to China, which is a huge improvement in qualifications.

However, Shinyuki Ito did not make any further recommendations. Instead, he began to check the information and review the loan amount according to Naoki Nagayama's request.

"Generally speaking, there is nothing wrong with Yongshanjun's loan information, and the 100 million yen amount should be able to be applied for." Ito Shinyuki finally said to Yongshan Naoki, "The time is about 3-4 days, and it will be ready at that time It's in the account."

Because I have already contacted Nakai Genta before, so the information is also very complete, but the copyright sharing contract needs further confirmation of revenue.

As far as the efficiency of this era is concerned, it is already very fast.

Of course, it is also because Naoki Yongshan's attributes are clear and the collateral is also very high-quality.

"Then, Yongshan-kun, I will deal with matters related to this business first, and then I will let Genta-san entertain you for a while." Ito Shinyuki finally bowed, "Then I will excuse you first."

"Hi, I'm sorry to trouble you today!" Genta Nakai and Naoki Nagayama stood up and bowed goodbye.

With a soft snap, the door of the meeting room closed.

Until then, Nakai Genta breathed a sigh of relief: "It's finally over."

"The atmosphere just now was really tense. I've never seen Mr. Ito discuss business with anyone. I didn't even dare to intervene."

You obviously interrupted Naoki Naoyama looked at him with contempt, and then said, "There is still a lot to learn, Won Tae-san~"

"By the way, why don't you take out that so-called Proper Loan? It sounds like the amount is bigger and the interest rate is lower?" Yuanta Nakai was a little puzzled.

Of course, in order not to rush to start a business!

"Do you think Proper Loan is very good? After listening to the introduction, you know that the loan is based on the effect of project development. If the business does not progress or encounter difficulties, it will stop borrowing money immediately and then urge you to repay the debt. You need to find someone to supervise Any of your expenses" Naoki Yongshan 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 some misunderstanding about the bank?"