One morning three days later, Ryunosuke Oda, who was the secretary of the president, walked into the president's office and said, "The president of Karuizawa Commercial Bank has brought people to visit. I have arranged them in the small conference room first."

Masao Ishihara was surprised and said, "I understand."

As he stood up, he began to wonder what the president of Karuizawa Commercial Bank brought people to him to do?

Although the bank is like collecting umbrellas on rainy days, the 2 billion yen he borrowed from the other party was already repaying the loan!

Before this, the interest rate for each period was allocated on time and on time, and there had never been any default.

Masao Ishihara and Ryunosuke Oda appeared in the small conference room of the administrative building together. They walked to the opposite of the guests and stopped.

At the same time, the president of Karuizawa Commercial Bank and others stood up. Then, the two sides bowed to each other forty-five degrees.

"President Ishihara, long time no see." President Uehara said politely with a smile on his face.

"President Uehara, long time no see you." Masao Ishihara also gave a polite greeting with a smile.

As soon as he finished speaking, he signaled the other party to sit down with his right hand and talked slowly if he had something to do. He sat down one after another on both sides.

"President Uehara, what's the point of doing?" Masao Ishihara didn't believe that he brought people to come here in person just for the tea ceremony.

"Before coming to you, we had already been to Karuizawa Cider Factory." President Uehara said straight without any striking around the bush.

When Masao Ishihara understood what he said, the bank secretly conducted a field investigation of his winery.

I did not receive a call from the bank from the Cider Brewery, which can only indicate that they were "a private visit on a mini-server basis".

As for the purpose, it is nothing more than evaluating the benefits of your own winery and whether there is a risk of not being able to repay the loan in time in the future.

Masao Ishihara pondered for a moment and said, "I just don't know if the situation at Karuizawa Cider Factory can satisfy you?"

President Uehara smiled and said, "President Ishihara is worthy of being an extremely excellent businessman. Therefore, our Karuizawa Commercial Bank decided to issue another 2 billion yen loan amount to you."

Masao Ishihara did not take the initiative to ask them for a loan. This sudden loan was really surprising to them.

When he thought about it, he thought it was a matter of course. The bank was very snobbish. The less money he had to ask them, the less money he could borrow.

The richer they are, the more they will chase behind their backs and beg for money. They will only do things that add icing on the cake and will not do things that will help in time.

"I don't have any collateral on my hands to give you the bank." Masao Ishihara said straightforwardly.

President Uehara's smile remained unchanged, and he imitated his tone when he asked them for a loan, saying, "What, are you afraid of not borrowing more money from me?"

With the current prosperity of your Karuizawa Cider Factory, you should expand the production scale so that you can occupy a broader market."

Masao Ishihara fully understood. The purpose of the other party coming was to issue more loans to themselves. What they were worried about was that if they didn’t do it in front, they would be very likely to be taken first by their peers.

Under the Asian financial crisis, a considerable part of the source of bank profits still depends on loan interest. This can minimize risks and also lend the excess funds to companies that lend out the company naturally will not be those that are about to die, but are thriving.

Our own cider winery fully meets their requirements and standards. With the current production capacity of cider winery, it is not enough to cover all Nagano Prefecture.

What's more, under the current hot sales situation, cider can be completely digested within Karuizawa's range.

"I'm not afraid of borrowing money from you, but I think 2 billion yen is too little." Masao Ishihara thought for a while.

"Then what if I add another 3 billion yen and 5 billion yen?" President Uehara said immediately.

Masao Ishihara knew that the other party’s loan of 5 billion yen would definitely not be so easy to get. He also borrowed 2 billion yen before.

If this is combined, it will be 7 billion yen, and the daily interest alone will be a lot. Of course, he doesn't have to borrow that much.

Masao Ishihara inferred that the reason why the other party dared to lend so much to him was not only for the performance of the bank, but also must have thought of forming an economies of scale so that the cost can be minimized and profits can be increased.

Not only that, once Karuizawa cider is promoted to the full RB, it will become a national cider brand. This is a market for itself and a market for banks.

If you want to achieve such a goal, you must invest less funds to expand the production scale. As for the latter market, it is achieved through loans.

Masao Ishihara said seriously: "You must have other additional conditions!"

"We can also give you a 20% discount on the interest rate. However, you need to sign and bear an unlimited liability." President Uehara said seriously.

Masao Ishihara knew that they would not be kind-hearted just to help their distillery develop. The 2 billion yen he used to mortgage from Karuizawa Whisky Distillery to be limited liability.

This means that even if the winery goes bankrupt and goes bankrupt and is insolvent, all the property in your own private name is still your own. Your own ancestral home, your personal deposits... the bank has no right to take it away.

Even if he is the legal representative, he bears limited liability. The entire loan process was legal and compliant, and there was no illegal business behavior.

This unlimited liability is awesome, which means that once the winery goes bankrupt and goes bankrupt, the bank can also take away all its property under its private name.

If this is not enough to pay off the debt, the bank can continue to pursue it. At that time, the only way for you will probably be to commit suicide.

President Uehara lobbled: "President Ishihara, if you have this loan, it will help you grow sesame seeds in your career and grow higher and higher."

Masao Ishihara smiled bitterly and said, "You can only say one good side. The other bad side is that this loan can also make me die without a burial place."

"That's not what you said. Everything has two sides, and risks and opportunities coexist. If you make good use of it, it will be an opportunity for development. If you make bad use of it, it will naturally become a risk." President Uehara said one thing.
Chapter completed!