Chapter 17: Exploding in popularity! Genius creator scheduled!

The weather cleared up slightly.

In the record stores of Ginza and Akihabara,

the light and sweet sound of "Cherry Blossom" began to spread.

Even Seiko Matsuda's posters were in soft, tender colors, as if the cherry blossoms two months later had bloomed early on the streets of Tokyo...

After Momoe Yamaguchi retired, the idol industry for the past two years had been Seiko Matsuda's world.

On the street, one could hear schoolgirls passing by occasionally humming this melody.

The records in the store were in even higher demand, and there were requests for reprints.

Naoki Nagayama, of course, didn't need to go buy them. As soon as the record was produced, Genta Nakai sent over ten copies, the kind of "insider goods" with Seiko Matsuda's autograph.

Naoki Nagayama, of course, didn't forget Reimi Hoshino. He sent one to her and one to Genta Nakai. He also sent one to Hezi at home. However, mother Naoki Naizi was not a fan of young idols; she preferred Hibari Misora.

Speaking of this guy Genta Nakai, he seemed to have decided to enter a bank and become a very popular Bankman at the Mitsubishi Bank of Tokyo. Maybe he could look for him for loans in the future.

After the record was released for a week, it indeed occupied the first place on the Oricon chart. The record could be said to have exploded in popularity.

The lyricist and composer written on the record were both Naoki Nagayama. This, of course, aroused curiosity in the industry. Some tabloid media had already used "genius creator" to describe this newcomer who had made a name for himself.

By this time, Naoki Nagayama finally let go of his long-standing worries. Even if the history of the record had been disrupted, it was still a popular song.

When the ranking appeared, Naoki Nagayama started his long-standing plan.

"Nakai-san, how is work at the bank?" On Monday, Naoki Nagayama contacted Genta Nakai.

"How could it be... serving tea, delivering water, and running errands in the branch. Isn't that how it is for newcomers when they just join a company~" Especially in Japan, the situation of seniority is even more serious. Generally, a newcomer without a background like this won't have a chance to handle real business until they've run for a full year.

"How is your direct senior? Is he easy to talk to?" The master-apprentice system is also one of the corporate cultures.

"Ito-kun... is an experienced senior. He has a very good reputation in the company and is very kind to people..."

"Ara, he's not bullying newcomers. It looks like his business ability is very strong~" In the situation where there are many wolves and little meat in Japanese banks, everyone has a fake smile on their face. Bullying newcomers is even a tradition. The less capable the senior, the worse their attitude toward newcomers.

"Maybe, but I haven't come into contact with the business yet, so I don't know the specific situation~"

Naoki Nagayama said at this time: "Nakai-san, if you bring a large loan user over now, will Ito-senpai let you come into contact with the business in advance?"

There is a type of employee in a bank called a resource employee, who can bring a large amount of business, funds, connections, etc., to the bank and is highly valued by bank leaders.

The economic form of Japan in these two years is good, and the bank is trying hard to lend money. The Mitsubishi Bank of Tokyo is no exception.

"Large amount? How large?"

"At least 100 million yen~"

"That's not too big... However, it should be enough to make Ito-senpai happy~" I always feel like I'm being mocked in some way...

Good for you, Genta Nakai. You've only been at the bank for a few days, and you actually don't treat 100 million as big money!

Early the next morning, Naoki Nagayama took the copyright sharing contract and found Genta Nakai, and then was taken to a VIP meeting room in the Nakano branch of the Mitsubishi Bank of Tokyo.

He sipped a few sips of the hot tea served by the bank lady. It was fragrant. It was indeed much better than the tea at the real estate agency and the office.

Before long, Genta Nakai led in a middle-aged man in a suit and gold-rimmed glasses. As soon as he entered the door, he first bowed to Naoki Nagayama: "Nice to meet you. I am the key account manager of Mitsubishi Bank, named Masayuki Ito."

"Nice to meet you. I am Naoki Nagayama." Naoki Nagayama also bowed in response.

"Nagayama-kun, thank you very much for choosing our bank. Next, I will definitely do my best to handle the loan business for you." He bowed again...

"Hai, I'll have to trouble Ito-kun next." He had to bow again. This etiquette is really too cumbersome.

After both sides were finally able to sit down, Masayuki Ito began to ask about the specific matters of the loan. "I heard a part of it from Nakai-kun before, but now I still want to confirm it with you once."

"Hai, it's actually very simple. I created a song before. Thanks to Seiko Matsuda, the record actually had good results. Currently, I want to use the copyright share of this song as collateral to apply for a loan from your bank to operate an industry."

Of course, he couldn't directly say it was for real estate speculation. Otherwise, it would be a real estate loan. Even in Japan, the review of housing loans is very strict. It is necessary to understand personal annual salary, personal attributes, credit information, etc., and also review other projects.

For someone like Naoki Nagayama who has no salary, no annual salary, and basically no regular income, he simply cannot apply for too many housing loans.

Especially if you have a personal housing loan, it will cause a low credit rating, so it will be very difficult if you want to use the house for another mortgage loan later.

But if it is a commercial mortgage loan, the review will be much looser. As long as the commercial value of the collateral is affirmed, the bank basically won't care too much about where the money is used.

"Which song is your copyright share for? Have you confirmed the final benefit scope?"

"It's "Cherry Blossom" just released by Seiko Matsuda. It has already achieved the first place on the Oricon chart and is scheduled to be a big-selling record."

"Ah, this is incredible!" Masayuki Ito obviously also understood the profits of the record industry. "For such a hot-selling record, just calculating based on 500,000 copies, there will be a share of over 100 million yen..."

Genta Nakai also interjected: "Sugoi na, I originally thought the 10 million copyright fee was all of it..."

"Hai, but this is the final long-term share. Currently, I want to borrow a sum of funds to operate the industry." Naoki Nagayama completely ignored Genta Nakai at this time.

"Oh, then may I ask, can Nagayama-kun inform me about the specific direction of the industry you want to operate?"

Naoki Nagayama was prepared. He took a business plan out of his backpack. "Based on the most popular cabaret, combined with future development trends, I made a plan for a dance hall."

Having been a wage earner for so long in his previous life, making PPTs and drawing data analysis charts was a piece of cake.

This plan was actually a depiction based on the disco of later generations. However, with the vision of 30 years ahead, combined with the development of cabarets and KTVs, the plan looked very promising.

"This plan looks really potential! Nagayama-kun's vision is really too advanced!"

Masayuki Ito had been a key account manager for so long and could be considered knowledgeable. Even if he had seen many whimsical ideas, this plan moved him.

"Nagayama-kun, I don't know if you have heard of ProperLoan? I think Nagayama-kun's plan is very likely to be able to apply for a more flexible ProperLoan..."

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

After listening to Masayuki Ito's introduction, Naoki Nagayama discovered that this so-called ProperLoan, a deeply customized investment loan, was actually similar to venture capital. The amount was larger and the interest rate was lower. However, the bank also participated in the sharing, but there were many additional clauses and restrictions, and the project was supervised.

And Naoki Nagayama, who knew the specific content, immediately refused. Isn't this the set of fooling young people into starting a business and then financing and listing to harvest?

I don't even want to work, and you still want me to start a business? Tired to death, changing from 007 to 000...

Originally, this business plan was just a cover, mainly to borrow money to buy commercial land under the name of opening a disco.

"Thank you for Ito-kun's kindness, but currently I am not considering a larger loan amount. I still want to use the copyright share loan first." In Japan, this kind of talk is already a clear refusal.

"Ai, that's really a pity..." Masayuki Ito was also very regretful. If the ProperLoan was negotiated, then if the project really developed, he would not only get a commission, but also have the possibility of being sent by the bank to the project to become a steward.

This is not that kind of dispatched worker, but similar to the hanging position leader in China, which is a huge improvement for qualifications.

However, Masayuki Ito did not recommend further. Instead, he began to check the materials according to Naoki Nagayama's requirements and conduct a loan amount review.

"Overall, there is no problem with Nagayama-kun's loan materials. The amount of 100 million yen should be able to be applied for." Masayuki Ito finally said to Naoki Nagayama, "The time is about 3-4 days, and it will be credited by then."

Because he had already contacted through Genta Nakai before, the materials were very complete. However, the copyright sharing contract still needed further revenue confirmation.

For the efficiency of this era, it is already very fast.

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

"Then, Nagayama-kun, I will go to handle the relevant matters of this business first. Next, let Nakai-san entertain you a little." Masayuki Ito finally bowed and said, "Then I will excuse myself first."

"Hai, I troubled you today!" Genta Nakai and Naoki Nagayama both stood up and bowed to say goodbye.

With a light "pa" sound, the door of the meeting room closed.

Until then, Genta Nakai breathed a sigh of relief: "Finally over..."

"The atmosphere just now was really tense. I have never seen Ito-senpai talk about business with people. I didn't even dare to interject a word on the side."

You clearly interjected... Naoki Nagayama looked at him with contempt, and then said, "There is still a lot to learn, Nakai-san~"

"Speaking of which, why don't you borrow that so-called ProperLoan? It sounds like the amount is larger and the interest rate is lower?" Genta Nakai was a little puzzled.

Of course, it's to avoid being busy starting a business!

"Do you think ProperLoan is good? You can tell from the introduction that it is based on the effect of project development. If the business does not progress or difficulties appear, it will immediately stop lending money and then urge you to pay back the debt... and find someone to supervise every expense of yours..." Naoki Nagayama casually found a reason.

"Isn't there a saying that a bank is an institution that 'lends you an umbrella on a sunny day and then takes it back on a rainy day'."

"Ah, Nagayama-san, do you have any misunderstanding about the bank..." ===== CHAPTER 18 =====