this man is not calm

Chapter 345 Generating Income
After chatting for a while, Jin Shang learned that last year, Mrs. Xian showed up at Jin Miao's 30th birthday party, chatted for a few words and then left.

The two of them had talked on the phone several times this year, but had no contact until Jin Shang was invited this time.

Jin Miao's wife is almost a full-time housewife. She hires a nanny and a tutor to help take care of the children. At the end of the month, she will go to the car dealership to help her husband check the accounts. The Yue family is not local, and they are not far away, just near the Chengde Summer Resort. The transportation is convenient and you can visit frequently.

Yun Danfeng talked about the current situation softly, but the children couldn't bear it anymore. They turned on the TV in the private room and shouted that they wanted to sing. After Jin Shang and Jin Miao finished eating, they went outside for a walk.

On weekends, there are still many people in the second-hand car trading market. There are not particularly many people selling, but there are many people wandering around asking for prices, and some are discussing the recycling price of second-hand cars with the waiters in nearby stores.

At the exit of the park, there was a long queue to apply for the insurance review qualification. The queue of cars turned several corners and could not reach the end.

"Buying and selling second-hand cars is quite profitable, right?"

"Experts don't lose much money. If the clerk in the store is more sharp-eyed and sharp-tongued, it's just a question of making more and less. Of course, there are also big restrictions. The garage capacity is limited. If you can't turn over quickly, the accumulated funds will be too much." If there are too many, sales will stagnate, and it will really make you sweat.”

Next, Jin Miao introduced some mysteries of this industry that are unknown to outsiders.

Those who build cars are not as good as those who sell cars, those who sell cars are not as good as those who sell parts, and those who sell parts are not as good as those who repair cars and sell insurance.

"All right!"

"Outsourcing rent collection?"

"calculate?"

Jin Miao lowered his voice and said,
"There is also a car loan business that has just emerged. Not many financial institutions are deeply involved in this industry. However, the demand for cars from ordinary people is rising steadily. There are always buyers who are itchy, empty-handed and short of money. If If you have the ability to do this business, the profits will definitely be amazing.”

Real estate development loans, ship loans, personal mortgages, etc. have been laid out, but in the fields of car loans and insurance, there is no start.

Shaking his head mysteriously, Jin Miao explained leisurely,
"If it is an ordinary urban mobility scooter or a grocery cart, the total price is cheap, and the loan is not very profitable. However, there is a huge market for luxury cars priced at around RMB 200,000 to RMB 300,000, and second-hand luxury cars priced at RMB 40,000 to RMB 4,500,000. Many local bosses who have made a little fortune, in order to save face, go back to their hometown to show off during the New Year, or simply for business reasons, they also prefer to buy second-hand luxury cars..."

"Can you show off your wealth just by using a car logo?"

Jin Shang was speechless and thought to himself.

"There are reasons for this, but not all. For details, you can ask the senior financial officer when you go back. I'm not particularly proficient."

"Correct!"

Saves trouble, but does not maximize benefits.

"I know that buying a new car with a loan, but a second-hand car...isn't it a bit uneconomical?"

After a pause, Jin Miao continued:

"These days, repairing cars is definitely profitable, but it is also a hard job. You need to have a few capable masters, and you need to have some channels to get cheap and easy-to-use parts and consumables. Selling car insurance is basically a sure profit. No compensation, the industry is very mature, as long as you find a channel to enter, it will definitely be easy to make money, let alone just make money.

"There is definitely insurance, and it's relatively mature. It's just that there are too many people entering the market, and it's a bit chaotic."

"Does the trading market have a layout for these things?"

Car loans and car insurance are a big piece of the cake. I may have really ignored them before. I was attracted by the magnificent real estate, but I didn't realize that the automobile industry is also an industry chain that is so long that it is almost as long as "iron public base" and real estate. Shipbuilding, chips and semiconductors are equally popular.

There are actually quite a lot of people like this. The experience of buying a refurbished second-hand luxury car is not much different from that of a first-hand car. In an era when personal car buying was not particularly popular, who cares who owns your car, as long as the brand is enough to scare people. That's it.

"Actually, second-hand luxury cars of this level are more popular than ordinary private cars priced below 150,000 yuan..."

"if not?"

Jin Shang thought about it for a while and gave up the plan of driving away the other families and eating alone.

If the referee goes off to play football in person, it will be impossible to play, and it will not have a good impact on the trading market.

"What about the car loan?"

"Except for a few small consumer finance companies, almost no one pays attention to it. Their strength is limited. In fact, they are just acting as brokers between buyers and banks, earning some introduction fees and channel fees."

Does this mean there is still a chance for Jin Shang to intervene?
If my consumer finance company joins forces with China Minsheng Bank, will it be able to make some money?

Not only is it profitable, it’s also quite fat.

However, these days, the popularity of the personal real-name system is not high, personal consumer finance loans default, debt collection is very troublesome, and the bad debt rate is high. Before the arrival of the mobile Internet era, personal loans still need to be cautious.

I definitely don’t have time to do this myself, but I can ask a bank or insurance company to do it. The trading market will suffice to collect rent and channel fees.

Earn less, but it’s stable, trouble-free, and has low operating costs!

Jin Shang has some ideas on how to develop the value of this trading market.

"To be honest, after changing the boss, people in the trading market have become a bit unstable. Some contractors are worried about increasing rents or changing cooperation conditions. Some powerful and large merchants are also wondering whether they can buy the property or even the land."

"People's hearts are lacking."

Smiling Jin Shang looked at the increasingly prosperous stores on both sides and responded confidently,

"Lao Huang is a very shrewd person. His original intention was to use it as a tie to bind me for life. There are many people who hope that I will escape, hoping that after the giant collapses, they can eat them. But I won't give them a chance. Even if I really can't do it, Lao Huang will apply for reorganization as a creditor and take back the assets, which will not make it easier for outsiders. "

"It's okay if it's not. For car dealers like us, it's not easy to build a brand and maintain a certain number of valuable regular customers. If we change locations, we have to start over."

"Didn't I make a big move? In the future, I plan to clean up the market operations and marketing team to improve efficiency. Those people in the old Huang family were so useless in the past. They were sucking blood from the family business, and no one dared to touch it with confidence. But now My personal property is gone and I cannot allow them to steal my money.”

Jin Shangke said murderous words in a soft tone without being polite at all. He knew very well the shortcomings of the intricate family management model.

Precisely because he realized that he did not have an efficient management team, the first thing Jin Shang had to do was to clean up the company. Those who were useful and obedient could be kept, and those who were disobedient were driven away.

"When fighting against foreign forces, we must first settle the internal affairs. We must first move forward with food and fodder before the soldiers and horses are used. This is the right move. There are actually a lot of dirty things in the market, and everyone is complaining about it. It would be great if they could be cleaned up. ”

The bustle of the world is all for the sake of coming, and the hustle and bustle of the world is for the sake of going away!

The benefits of leveraging this huge second-hand car market are astonishing. I don’t know how many people are taking advantage of it. In the past, Lao Huang was difficult to manage because of his feelings, or he had limited energy to manage it, but Jin Shang didn’t have these concerns.

Carrying such a large amount of debt, Xiao Jin, who is very calculating, does not seek benefits for those incompetent guys.

And Jin Miao also heard the elegant meaning of Xian Ge and told something about what happened in the trading market, which made Jin Shang frown.

"It seems that it doesn't take a while to sort things out." "The forest is big and there are all kinds of birds. Although there are many trivial matters, not many vicious incidents have happened, so there is no need to worry."

"I see!"

Actions must be vigorous and resolute, but they cannot be completely devoid of methods. Being too rough may affect the normal operation of the trading market.

"Let's not mention these for now! Uncle, I have an idea. Please help me go over the details and see if it works."

As far as Jin Shang knows, the cooperation between car dealers, stores and exhibition area tenants in the trading market is extremely random, the deadlines are not uniform, and some operators have great discretion. Sometimes, human relationships have a great influence, rather than relying on market supply and demand. to determine the rent and years.

This is too much trouble.

"I plan to keep the current contract unchanged and renew it in advance through an auction."

"Auction, is this okay?"

Jin Shang nodded very solemnly.

"This must be done, I want to seize the initiative."

"How to auction?"

"We will auction venues, exhibition areas, stores, etc. in separate areas, with a lease period starting from five years..."

"Five years? It's too long, and it's too expensive. Many small and medium-sized businesses can't afford so much money. In the end, only a few large car dealers can afford to rent. In this case, there will be insufficient competition and you won't be able to sell at a high price. For you, it will be counterproductive. ”

"Then... let's start with a three-year auction cycle. If it is shorter, it will be meaningless."

Today I actually saw the current situation of the trading market and listened to Jin Miao talk a lot. Jin Shang's thoughts became clearer.
"I need certainty of income. Today's tenants are too unstable. In order to maintain revenue, we have to maintain a marketing team for a long time. Commercial negotiations are protracted, which is a waste of time and energy."

In addition, if three years of rent are packaged and auctioned in advance, even if the total price is a little higher, a large amount of funds will be withdrawn in advance, and Jinshang can use it to reinvest and make money from money.

Overall, it's definitely a huge profit.

For ordinary businessmen, it is extremely difficult to find stable and high-yield financial products. Expanding reproduction is also extremely risky. If you venture into the capital market by yourself, you are just a big leek.

Instead of leaving your money in the bank and enjoying low interest rates, you might as well take it out and get the rental discounts for the next three years.

"Three years!"

Jin Miao hesitated for a while, but finally agreed with Jin Shang's judgment.

As now, the one-household-one-signature model is too cumbersome and is not conducive to the management team's cost control.

For car dealers, the three-year stable cycle brings certainty that rents will not increase, they will not be driven away by sudden changes, and their own rights and interests can be protected.

"If nothing else happens, being able to sell it means that you can recover more than 2.5 billion or even 3 billion in rent in advance. This..."

Jin Miao couldn't help but sigh when he thought that after nearly twenty years of hard work, he was not as good as the young man in front of him who had earned a fraction of the two years of hard work.

Brothers Jin Sancai and Jin Miao are already very talented, far above the average level. The fourth sister and brother of the Mei family are even rarer people who can break through their personal ceiling. Unexpectedly, when they reach middle age, they will see To a "more ruthless" one.

In ancient times, capable ministers who managed the world properly and traitors in troubled times, as long as they did not die young, would sooner or later leave their name in history.

"Mrs. Xian was still worried about whether you would miss. Now it seems that she is really worrying too much."

It's really amazing to be able to see the problem clearly and come up with a solution.

"It's not that I'm not in a hurry to use money now, but I have money in my hands and can use it to make more. If I have such an opportunity, I still don't want to miss it."

"Okay, I am a veteran in the market and know a lot of people. I can help you do some research and you will get the results soon."

"Excuse me, uncle. Don't be in a hurry. Let's spread the gossip first. Some people are in favor and some are against it. I want to see the reaction."

"Throwing stones to ask for directions is just a matter of averting the grass and alerting the snake, I understand!"

It will be beneficial to everyone to initially rectify the chaos in the second-hand car trading market.

Later, Jin Shang accompanied Jin Miao to explore the store and inventory.

At present, car stickers, interior decoration, car navigation installation, repair sheet metal, etc., which have relatively high profit margins, have only scratched the surface. Their strength is limited, and Jin Miao cannot penetrate into the more core key spare parts fields.

In his words, just to earn some hard-earned money, there is still a gap between truly mastering core competitiveness and building a moat.

The competition in automobile marketing is extremely fierce. It is still in the incremental market stage. The pie is getting bigger and bigger, and enough is divided. However, if growth is weak in the future, it will fall into involution and reduce profits.

Nowadays, one outlet is quite obvious, and that is the increasingly formal car rental market. It will definitely not be possible for each car dealer to work alone. Someone needs to take the lead in integration, and everyone must work together to make a difference.

In order to open up more avenues, Jin Miao also wanted to join in and give it a try.

"The idea is good, but I don't know much about the car market. Uncle, please be more careful. He is not afraid of losing money, but is afraid of scammers."

"I see."

The two people who were talking walked to the door and looked at the traffic coming and going on the surface and in the underground parking lot. Jin Shang couldn't help but have an idea.

"It seems that... the parking lot is also a good business, and the revenue is guaranteed even if there are droughts or floods!"

"really!"

The well-informed Jin Miao also felt that Jin Shang was right.

"In some places, parking spaces are the core competitiveness. The problem of lack of parking in the city center is already serious, and it is rapidly spreading to the surrounding areas."

Not only that, Jin Shang had also heard in his previous life that in some amusement parks, shopping malls, scenic spots and other places, charging parking fees is the main source of income.

Families traveling during the holidays are actually ready to spend money (and be ripped off) and are not very sensitive to parking fees.

However, once the number of private cars increases, this expense becomes almost indispensable.

Although the unit price is low, the total amount has increased and the scale of parking fees is quite staggering.

(End of this chapter)