. Shumilou.CoM.Shumilou.Co

March 6 was the third day that Zhou Ming set up wealth management products for insurance companies, although all the students in the finance class were assigned to stay in major banks, but they did not receive much effect.

On the evening of the 6th, Zhou Ming had just finished taking a shower in the dormitory, and the squad leader Chen Shu came to knock on the door, along with Li Yang and Ye Ning, who had been discharged from the hospital, Chen Shu held a bunch of documents in his hand, and reported to Zhou Ming after getting Zhou Ming's permission to come in: "Teacher, today's statistical results have come out, and a total of three insurance and wealth management products have been sold today, with a total amount of 10,000 US dollars." ”

"Ten thousand dollars, only three sales, which is less than yesterday. Zhou Ming said.

Chen Shu nodded and said guiltily: "Yes teacher, yesterday at least we could have 50,000 US dollars in sales, but today compared with yesterday, it has dropped by eighty percent, which is because we have not done a good job in sales and promotion." ”

Zhou Ming didn't rush to speak, but first beckoned them to sit on the sofa in the room, and then said: "Chen Shu, you are the class leader of our finance class, and the students of our finance class are all destined to become business elites in the future. ”

Chen Shu subconsciously opened his mouth to say sorry, but finally remembered Zhou Ming's words and forcibly held the words in his heart.

Zhou Ming knew that this was a habit within the system, and it was not an overnight thing to change, but it was very rare for him to be able to do this, Zhou Ming then asked: "Since the sales have decreased so much, have you analyzed the reason?"

"Of course," the fast-talking Li Yang said first, "on the second day of the company's press conference, our news appeared on the pages of major newspapers, and even Brighton TV broadcast the video of the press conference, so people will be familiar with the name of Wharton Insurance Company, as long as they have spare money, they will buy it, but yesterday and today, because the newspapers and news are not broadcast again, our company's popularity has declined, which directly affects sales." ”

After Li Yang finished speaking, Ye Ning then added: "Teacher, I think the reason for Li Yang's popularity is only partial, and there is a more important reason, that is, everyone's ignorance and distrust of this insurance and financial product. ”

Ye Ning said and glanced at Zhou Ming secretly and said: "Teacher, because your concept is so unique, most Americans have never heard of such a product, so they don't know what insurance and financial management are, and because they don't understand, they don't dare to blindly invest their money...... Of course, maybe those rich people with vision will, but they can't reach it in our current realm. ”

"No, I think those really rich people won't buy it," Zhou Ming denied Ye Ning's speculation, "The real rich people, their money should choose investment, not to buy insurance, our real customer base should be selected in those middle class, first of all, they have money to buy, and secondly, they also very much hope that their assets can grow steadily and do not take any risks." ”

"But Teacher, the ones who refuse to buy now are the middle class you are talking about. Li Yang cautiously reminded Zhou Ming.

Zhou Ming thought for a while and said, "That's it, I'll go with you tomorrow to see what the situation is, and then think of a way." ”

The next morning, Zhou Ming and Chen Shuye Ning drove together to Tang Bank, which was one of the banks that they agreed to sell here after negotiation.

Chen Shu introduced to Zhou Ming: "Teacher, because it is a Chinese-funded bank here, compared with other places, there is not so much prejudice against us Chinese, and our business is also the best here." ”

Zhou Mingen said, "Let's take a look first." ”

Then Chen Shu took Zhou Ming to meet the lobby manager here, Zhou Ming was sitting in the lobby, Chen Shu and Ye Ning began to sell insurance and wealth management products to people who came to the bank, but as they said before, the effect was not good.

Chen Shu first found a middle-aged aunt who came to save money: "Hello Auntie, I am from Wharton Insurance Company, and I now recommend to you a new insurance and wealth management product launched by my company." ”

"Wharton Insurance Company? I'm sorry I've never heard of this company, is this a newly established Chinese insurance company? Originally, I would definitely support the insurance company of my compatriots, but it is very unfortunate that I just bought a new insurance not long ago, whether it is car insurance or medical insurance, even my pet dog has bought insurance, you know, those American insurance companies, they are very broad. The middle-aged aunt said.

Over there, Ye Ning found a balding white middle-aged man: "Uncle, do you want to buy an insurance? I am from Wharton Insurance Company, and now we have launched a new insurance and wealth management product." ”

The middle-aged man looked Ye Ning up and down and said, "I can think about it, how much is your insurance?"

"There are different shares, from 1,000 to 10,000 dollars, and each price has different insurance and income at each price point, if you buy this 5,000 dollar product, you can not only get a health accident policy worth 50,000 dollars, but also get an annual interest rate of up to 7 percent, that is, when the contract expires, if you do not have a claim, then you can come to our company with the policy......"

Ye Ning patiently explained to the middle-aged man, but the middle-aged man was obviously not interested, and he waved his hand impatiently to interrupt Ye Ning's words.

"You don't have to explain these to me, I definitely can't bear to refuse when a beautiful girl like you sells me something, I can buy your insurance policy of five thousand, but I just want to know if I will have some other benefits after I buy it, such as being able to date you for dinner or something?" The middle-aged man said to Ye Ning, and at the same time deliberately raised an eyebrow at Ye Ning.

Ye Ning took a step back, frowned and said, "I'm sorry sir, this is a serious insurance business!"

The middle-aged man smiled: "What kind of serious insurance business, if you are really so serious, what kind of income will you give? And don't you yellow-skinned bitches like to do this kind of seductive work the most? Don't be shy, I'll take you to experience what it's like to be lustful......

Saying that, the middle-aged man stepped forward to grab Ye Ning's hand, but before he could touch Ye Ning, he was blocked by Zhou Ming.

Zhou Ming has been paying attention to the situation here, he doesn't want his students to suffer in front of him, so when he saw that the middle-aged man was misbehaving, he immediately ran over to block Ye Ning's body, and said to the middle-aged man seriously: "This gentleman, please be respectful, she is just selling insurance and financial products, and she is just a student." ”

The middle-aged man looked disdainful: "What's wrong with the students? The yellow-skinned bitches I've played with are basically students, aren't you Chinese so cheap? And you, the yellow-skinned dog, what's it called here, hurry up and get out of me...... Ahh

Before he finished his words, he was punched in the face by Zhou Ming, making a scream like a pig, Zhou Ming stepped forward and grabbed his hair and said to him: "I hit you today, this punch is to educate your parents how to behave and how to speak, we Chinese are not so easy to bully, in addition, if you want to sue me, you are welcome at any time, but now please get out of here for me, otherwise I'm not sure what else I will do." ”

The middle-aged man originally wanted to say something, but when he looked up and saw Zhou Ming's fierce eyes, he immediately became empty, and ran out of the bank in a panic.

"Thank you, teacher, if it weren't for me, I wouldn't know what to do. Ye Ning hugged Zhou Ming's arm and cried.

At this time, Chen Shu saw the movement and rushed over: "Teacher, what's going on here?"

"A white man wanted to take the opportunity to tease Ye Ning, and I drove him away, do you often encounter such a situation here?"

Faced with Zhou Ming's question, Chen Shu did not answer, Zhou Ming sighed when he saw him like this and said, "It seems that the situation is really not optimistic. ”

Zhou Ming's words are not casual, Zhou Ming knows very well that what happened today will definitely not be just a coincidence, maybe Chen Shu and Ye Ning did not deliberately choose in order to see the most real situation for themselves, but here in the Chinese bank, everyone's attitude towards the Chinese will definitely be much better than in other places, but such a thing still happens, so what about other places?

Thinking of this, Zhou Ming said to Chen Shu and Ye Ning: "Okay, that's all for today's work, let's go back and figure out a way first, after all, this is the case, and it's not a matter of consuming it any longer." ”

Chen Shu and Ye Ning listened to Zhou Ming's words very much, and then they went back to the dormitory of Harvard University.

"From what I have seen today and what you have told me, I think the biggest problem now is still in the publicity, first of all, Americans are naturally very xenophobic, racism is very serious, so many people hear that it is a Chinese insurance product, they instinctively do not want to buy it; secondly, insurance and financial management for many people do not have this concept, they only think that insurance is insurance, financial management is financial management, and they will not think of combining it together. ”

Zhou Ming said and thought about it and said: "Of course, there may be Brooke's reasons in this, but no matter what, if we want to open the market, we must first break these concepts, so I have to think that we should find a way to make a marketing advertisement." ”

Chen Shu and Ye Ning did not have any opinions on Zhou Ming's proposal, as students of Harvard Business School, they knew very well that no matter what product wanted to do well, advertising and marketing were the only way to go.

"Advertising is necessary, but teacher, what kind of advertisement do we want to shoot, do we need to invite celebrities, how much scope do we need to broadcast it, and what is the budget?" Chen Shu asked.

Faced with Chen Shu's question, Zhou Ming did not answer directly, but asked Ye Ning first: "How many funds are there in the company's account?"

Ye Ning replied a little embarrassedly: "Teacher, due to the last press conference and the fees paid to Lawyer Allen, as well as the cost of renovating the dormitory convenience store, the company currently only has 60,000 US dollars in its account. ”

This money is a little less, but he is not short of money, but do he really want to use his own funds? But in this way, he loses the meaning of starting a business, and returns to the track of eating his old book, which is not what Zhou Ming wants.

Zhou Ming frowned and thought in his heart, but at this moment, Zhou Ming's mobile phone suddenly rang, Zhou Ming connected, it was Li Yang calling, and he excitedly reported a message.

"Teacher, I'm in the hospital now, I've got the inspection report of all the employees of that company, and found that Brooke really introduced us to business, except for a few employees who don't meet the renewal criteria and need to re-sign the insurance contract, the rest is completely fine, the insurance contract of 800,000 yuan, we can sign it at any time!"

Zhou Ming put down his mobile phone and said to Chen Shu and Ye Ning with a smile: "Thank you to Councillor Old Brooke, our advertising fee has been settled." ”