The branch president of Fuji Bank Karuizawa Branch walked into Masao Ishihara's office again. The two of them sat on a couch and met face to face again.

Masao Ishihara was not worried that his loan would not be passed at all, at most it was about the amount. If his loan was really not passed, he would not be panic.

This is the only one that wants to develop business relationships with Karuizawa Group, especially long-term business relationships.

The branch president said seriously without a smile: "After a series of serious discussions and rigorous reviews, the head office has concluded that the loan credit limit for Karuizawa Group is 10 billion yen."

Masao Ishihara heard the credit figure of 10 billion yen, which was quite surprising, after all, far higher than his psychological expectations.

A high loan amount does not mean that it is a good thing. The larger the loan amount, the higher the annual interest you have to pay will increase accordingly.

If you cannot make full use of the 10 billion yen loan amount, interest alone will become a burden to increase the company's operations.

Masao Ishihara smiled at him and said, "The head office of Fuji Bank approved such a high loan amount. Do you really trust me? Or do you have extra harsh conditions?"

"Now President Ishihara is now considered to be the veritable king of wine in Nagano Prefecture. The various relevant investigation conclusions made by the head office of Fuji Bank based on this point are completely in line with the facts.

For a big-name alcoholic company with good development momentum, we naturally need to help it so that it can bloom and grow.

Our Fuji Bank has always been committed to serving the company’s better development.” The branch president said seriously.

Masao Ishihara didn't believe his high-sounding words at all. In his personal opinion, the essence of the bank is a vampire and collecting an umbrella on rainy days.

"What is the annual interest?" Masao Ishihara asked the most practical question directly.

"The annual interest rate of 2% is not high for ten years! You have given the greatest discount." The branch manager has told the truth.

"I have to pay you 200 million yen interest every year for this 10 billion yen loan. Ten years will be 2 billion interest.

If I repay the loan in advance, is it considered a breach of contract? Do I still need to pay the remaining interest?" Masao Ishihara talked about the matter.

"No need at all. Both of us will state these in the terms of the contract. Otherwise, how could I tell you that it gave our bank the largest loan discount?"

The branch president only smiled. In fact, he was very nervous in his heart. He was afraid that Masao Ishihara would change his words or secretly be registered by a bank.

If this loan has not been signed with Karuizawa Group, it will naturally not be considered as the performance of Fuji Bank Karuizawa Branch.

After all, every year, the head office of Fuji Bank will allocate performance quotas to each of the following branches.

Although the branch president will also split the performance quota given to the branch by the head office to the bank staff below, he also needs to take the lead in completing it.

By then, the person who cannot complete the performance quota and is called to the head office and scolded will definitely not be his subordinates, but himself.

In addition, it will also negatively affect your personal career experience and promotion. In fact, the head office will add more performance quotas.

The banking industry is very glorious on the surface, but in fact, only those who are related to the banking industry will truly understand the real pain.

"The 10 billion yen is based on the annual interest of 2%, and it will be borrowed and returned at any time, and will not exceed the 10-year term." Masao Ishihara said calmly.

"That's right. If you need a loan for an extension, it's not impossible. This mainly depends on the actual operating status of Karuizawa Group." The branch president said one by one.

Masao Ishihara understood completely. If the operational status of Karuizawa Group has been maintained well, Fuji Bank would not want its own company to be able to repay the loan in advance. Everyone understands that the longer the borrowing time, the more interest it will be collected.

"If Karuizawa Group is not operating well, will your Fuji Bank force me to repay the loan in advance?" Masao Ishihara said embarrassedly.

"President Ishihara, you should know that Fuji Bank is a commercial bank that also needs to make profits and also needs to control loan risks.

We can't watch the loaned money not being collected and wasted. Since I am the person who is directly responsible for this loan, I have to take responsibility for it." The branch president said without lying.

This is not the first time Masao Ishihara has done a corporate loan, so he is still very clear about the tricks. If he really can't pay back the money, even if Fuji Bank does not allow him to sign an unlimited liability, he can give priority to filing a property preservation application to the court.

Even if Karuizawa Group goes bankrupt and is liquidated, it will not harm the interests of Fuji Bank. This is why Fuji Bank is willing to lend 10 billion yen to itself.

Masao Ishihara has long had a clear and clear plan for the purpose of the loan, which is to pay various fees for the comprehensive marketing of the top student Lang Huangjiu.

This time, he was not just a small fight as before, but wanted to play a big game to form a monopoly on the rice wine market across Japan. For this reason, he did not hesitate to make a big price war with other rice wine brands in Japan.

Seeing that he didn't say anything, the branch president suddenly couldn't help but say, "President Ishihara, I have done my best.

If you still want our bank to make some discounts on loans, it is really difficult to do. Although this is the first time we cooperate, our bank has shown you the greatest sincerity.”

"Okay! Even if I have to pay a little more for this, it is also a solid foundation for us to have greater business cooperation in the future." Masao Ishihara pretended to be embarrassed.

"As long as the loan business can be carried out well, I believe that even if you apply for a loan of tens of billions of yen to our bank in the future, you will be approved.

You are the wine king of Nagano Prefecture now, and in the future you will be the wine king of Kanto, and even the wine king of all Japan." The branch president said solemnly.

Masao Ishihara did not believe it all, nor did he completely disbelief. Although Fuji Bank is a big bank with strong capital, it is not unlimited loans.
Chapter completed!