Countercurrent 1982

Chapter 2299 Idol
Duan Yun initially launched the car installment payment model, and he also wanted to find a bank as a guarantee. For example, in 1996, FAW Group and China Construction Bank jointly launched car consumption loans and dealer inventory loans for other cars, which solved the problem of dealers. And the financial pressure of manufacturers as installment product providers.

However, FAW Group can cooperate with CCB because FAW is a state-owned enterprise. As several major automobile production bases in the country, FAW has policy and political resources that Tianyin Group cannot compare with, and the cooperation between FAW and CCB belongs to state-owned enterprises. The cooperation between them only needs the heads of the superior departments to nod, and this matter can be done, but Duan Yun obviously does not have such convenience, he can only go to the bank to negotiate in person.

However, the cooperation between FAW and CCB did not succeed in the end. Due to the lack of experience of manufacturers and commercial banks, the lack of social credit system, insufficient risk prevention and control methods, and loan risks gradually emerged, so in September this year, the two The cooperation between state-owned enterprises was eventually stopped by the central bank, and there was no cooperation on related projects.

However, in Duan Yun's view, the installment payment model for car purchases is still completely feasible in the current China. Judging from the current Tianyin Group's market in this regard, the feasibility is still very large.

The main reason why Tianyin Group’s installment payment model for car purchases can achieve certain success is that among all the models of the group company, only the two-box Kangyun and Shenxing cars support the installment payment model, and the most high-end Volvo cars are currently It can only support one-time payment, and the cost price of Kang Yun and Shen Xing cars that support installment payment is less than 6 yuan, and the down payment must reach 50% of the whole car price. The installment payment of 20%, or even zero down payment, greatly reduces the risk of installment payment, which is also an important reason for the success of his model.

However, even the 50% installment payment model is still not very attractive to Chinese people. Therefore, to expand the sales of automobile products, it is necessary to launch models with lower down payment. The sales volume of the product has greatly improved, and at the same time, it will also have a huge advantage in the domestic auto market.

It’s just that in addition to bearing risks, companies still have to solve many technical problems, such as the establishment of a social credit system, risk prevention and control measures, and the accountability of users who owe fees. These are not things that ordinary private companies can do. to things.

But if you have your own commercial bank, these things will be easily solved. You can use the method of asset evaluation and mortgage to quickly provide installment payment services for some high-quality users. threshold has been substantially lowered.

Duan Yun has been thinking about these issues these days, and the "Mutual Aid Association" established by him is the biggest support he can think of at present.

"President Duan, long time no see."

Just when Duan Yun was deep in thought, a familiar voice sounded from behind. He turned his head to look, was stunned for a moment, and then greeted him with a smile on his face.

"Xiao Shi, we really haven't seen each other for a while."

It turned out that the person who came was none other than Shi Yuzhu of the Giant Group.

Among all the business friends Duan Yun knows, Shi Yuzhu is definitely the one who can "trouble" the most. With Duan Yun's support, Shi Yuzhu wrote software and earned his first pot of gold in his life. The company is located in Shenzhen Baoan Science and Technology Park established by Duan Yun, and is engaged in the writing and development of various software.

If Shi Yuzhu followed the track at that time, he should be a big man in the domestic IT industry now. However, the restless Shi Yuzhu saw that the domestic health care product industry had a very good development prospect, so he began to invest in health care products. In 1994 At that time, "Brain Gold" was launched. After this product was launched, the sales volume and profit were very high. However, because of the investment in "Giant Building", the capital chain was broken and almost went bankrupt, and owed 2.5 million yuan.

Later, with the help of the "Mutual Aid Association", Shi Yuzhu quickly made a comeback. He launched a new generation of health care product "Melatonin", which was a great success and was quickly promoted to the whole country. It took only one year. He paid off his debts and made a lot of money. Now his net worth has exceeded [-] million, and he has once again become a man of the Chinese business world.

In Shi Yuzhu's entrepreneurial experience in these years, Duan Yun's help to him is very important. When Shi Yuzhu first started his business, Duan Yun provided him with 100 million yuan of funds and also gave him the newly established Giant Company provided office space and helped him establish a strong network of contacts. After Shi Yuzhu went bankrupt midway, Duan Yun lent him another 8000 million yuan.

Therefore, Shi Yuzhu has always been grateful to Duan Yun. He usually shows pride and humility in the face of the media and the business world, but when facing Duan Yun, he always shows humility and respect. What kind of position is he in his heart?

This time, Duan Yun called the members of the Mutual Aid Association to Shenzhen for a meeting. Shi Yuzhu, who was dealing with matters in Shanghai, immediately put down the work at hand after receiving the call, and immediately returned to Shenzhen by train overnight. This shows that he attaches great importance to this meeting. .

As the "talker" of the Mutual Aid Association, Duan Yun has important things to announce every time he convenes a meeting, so the members of the meeting attach great importance to this. No matter how important things are around them, they will definitely participate in this meeting Meeting.

"Mr. Duan, I remember that you didn't seem to be interested in playing golf before, why have you started playing recently?" Shi Yuzhu asked with a smile on his face.

"Actually, I don't know how to play golf at all, but the environment here is very good, which is very suitable for talking about things." Duan Yun smiled slightly, and then said: "Now your company's melatonin is selling very well. You can buy it every day. I saw your advertisements on TV, and walking on the street, even elementary school students know the slogan of your company, which is really amazing."

"How can my little means of doing business be compared with Mr. Duan? Teacher, I cannot achieve today's success without your teaching and help, this is definitely not flattering you." Shi Yuzhu said with a smile.

(End of this chapter)