Yang Meng was full of curiosity and followed Zete out, everyone was still having fun outside, and many people greeted him when they saw Yang Meng come out.

"You play with yours, just come to me and treat it as your own home, everyone eats and drinks well. Yang Meng greeted one by one.

He followed Zete to the gate of the courtyard, where several people, men, women, and children, were standing.

"Selling insurance, selling houses, or engaging in pyramid sales?" Yang Meng had a black line on his face: "Are you so hot on a hot day?"

These people, both men and women, were wearing crisp suits, and on such a hot day, there were beads of sweat on the tips of these hot pens. Look at Yang Meng again, with big pants and loose T-shirts and slippers on her feet. It feels like two gangs of people are not living in the same season.

After listening to Yang Meng's words, the middle-aged man in the lead was not angry: "Mr. Yang is really joking." We would like to dress as much as Mr. Yang wants, but we can't. Now this society still needs to judge a person's social status by clothes and cars, if we wear it like Mr. Yang, isn't it too disrespectful to Mr. Yang? So although I know that this 'Zegna' suit is a domestic OEM, I still have to spend tens of thousands of 'IQ tax' to buy it to wear to meet you. ”

There is a saying about the world luxury market, "those who win the Han country win the world", and now the annual consumption of consumers in the Han country accounts for one-third of all luxury goods sales in the world.

Especially for female consumers, luxury goods attract them like drugs, and other businesses do not sell goods directly, but connect their own goods with a better life and elegant life, giving people the feeling that life will become different with these luxury goods.

Question: What is luxury? In fact, it is just the daily necessities of the rich, and functionally speaking, there is no difference between tens of thousands of sets of clothes and hundreds of sets of clothes, but the rich people have given such a name in order to distinguish themselves from ordinary people and satisfy their vanity.

And the focus of this luxury is really not on goods, but on people.

With a net worth of more than 100 million, people will think that it is genuine when they wear a piece of clothing, and if they wear a top luxury item and then go to the bus and subway, then no matter how real the luxury goods are, they will be considered fake.

And now there is a new concept, that is, 'light luxury', that is, the kind of cheap is not very cheap, but if you tighten your belt, young people can still afford to wear it and have a little face, and then all kinds of links with fashion culture, which is all kinds of harvesting young people's wallets.

But there is a cruel fact: more than ninety percent of the luxury brands that can be seen on the market are processed by the Han Dynasty. Even if the luxury brands that can't be bought in Hanguo, 70% of them have production lines in Hanguo: after all, for the capital side, where the cost is low, this is the right way for enterprise development!

What kind of origin quality, century-old brand, pure handmade craftsmanship and other nonsense are also believed? Please, it's all an industrial society now, okay?

There are also three types of processing for this generation.

The first is raw material processing, that is, the raw materials are processed and shipped abroad and then produced by foreign craftsmen, and then labeled to become products of the local country, which is the most conscientious in this kind of processing------ after all, they are still thinking about how to protect the historical reputation of the brand.

The second is full-component foundry. That is, many products are shipped to foreign countries for assembly and OEM and then shipped back to China for sale after completing the main or even all the processes, and even some brands are directly assembled in Southeast Asia in order to save costs and freight, and then put on the cards and return to China to sell at a high price;

The third type is full foundry. As the name suggests, all the raw material processing, production and assembly are carried out in Hanguo, and after the production is completed, it is shipped to foreign OEM and then shipped back to China, which directly becomes an export to domestic sales. In order to reduce import tariffs------ some brands even disguise themselves in China.

Of course, for those luxury manufacturers, this is to try to avoid the origin of the product. This kind of production line leaving the country of origin has to be hidden in the luxury industry: after all, we are selling high quality and quality and origin standards, how can this matter be counted as leaving the place of origin?

For example, Prada, which women are crazy about, was revealed ten years ago that they had their own production lines in Wenzhou, Dongguan, and other places, but they desperately denied it, but in 2011, Prada was listed on Hong Kong Island, and the origin of the product could not be hidden------ so it was necessary to disclose detailed information。。。。。。

Of course, I can't stand up to people's publicity, what is the best designer in the industry, celebrity endorsement, limited sales and a series of publicity techniques, in fact, most of the luxury designs are now designed by Hanguo's design company, only a small number of top products will invite big-name designers, that is the face of the brand!

But human nature is there, it is a person who eats this set, Yang Meng's wardrobe is full of limited editions, co-branded models and other clothes, otherwise why make so much money? There are tens of billions of dollars at home, and you have to eat chaff and vegetables? That's not called thrift, that's called miser iron rooster!

Yang Meng scratched her head: "Then I'll go back and change my clothes first and come back to see you again?" And if you say it's an 'IQ tax,' is my IQ all insulted?"

After all, he was born in a hard life, and even if he was rich, he was still a small family, and he wouldn't spend money at all, and all clothes, shoes, hats, household items, etc. were purchased by Zet. At first, Yang Meng was also shocked when she knew that she spent so much money selling luxury goods, but Zete made him clear in one sentence: You actually only need to weigh what you give and what you get. For Yang Meng's financial resources, buying these so-called 'luxury goods' is similar to street stalls, so why not buy them? But after wearing them, at least you can get the satisfaction of vanity, right?

As this man said, many ordinary people now still rely on other people's cars, clothes, etc. to evaluate a person's social status. It's boring, but that's the reality.

Of course, those who take out loans and overdraft credit cards to buy these things are absolutely stupid.

After listening to Yang Meng's words, the man hurriedly waved his hand and said: "No, no, no, Mr. Yang, you misunderstood, I definitely didn't mean it, in fact, after I came, I saw that your house was holding a party, I didn't want to disturb you, but now it's a race against time for me, so I can only come to be a wicked person to disturb you Yaxing." ”

Yang Meng slapped his hands and suddenly realized: "I know what you do! You're engaged in pyramid schemes, right? This is too good at talking!"

The visitor was stunned for a moment, and then said with a wry smile: "In fact, we all work in the bank." ”

Yang Meng turned his head and asked Zete: "Zete, what are you telling me about this bank?

"The West Chamber is there to play with the children, as for Miss Zete, we are old acquaintances, otherwise she wouldn't have bothered your Yaxing to help me introduce you. "Come humane.

Zete introduced: "Meng Meng, this is Feng Nanzheng, President Feng of Handong Commercial Bank. We used to deal with each other. I owe him a favor. ”

"How do you owe him a favor?" Yang Meng asked curiously.

Zete explained: "In those years, you disappeared, and the family took out all the money to find you and Xixiang, and the family actually ran out of money for a long time!"

"I know this, and then?" Yang Meng asked puzzled.

Zete said: "At that time, in order to encourage various enterprises to expand production, the Han Kingdom lowered the loan interest rate, and the annual loan interest rate at that time was 3.85%, so I used my villa as collateral and borrowed 300 million funds from President Feng. In fact, I couldn't borrow more than 300 million yuan for that house, and it was President Feng who helped me win this amount. ”

Yang Meng was puzzled and asked, "Why are you taking out so many loans?"

Zete smiled: "Buy the bank's wealth management products." ”

Yang Meng was confused: "What does this mean? Loan financial management? Isn't this an extra move to take off ------ pants and fart?"

Zete glanced at Yang Meng: "What do you know? For safety reasons, I didn't buy products with high returns and high risks, but bought financial products with low returns and safety factors." The annual yield is 5.13%, do you know what that means?"

Yang Meng shook his head.

Zete sighed: "Can't you be sensitive to numbers? The loan interest rate is lower than the interest rate of financial income, so the 300 million will have a net income of 1.28% per year, that is, 3.84 million, which can basically maintain the quality of life of our family." I don't want my aunt and uncle to feel that your life will change without you at home. ”

After hearing this, Yang Meng said: "Zete, you have worked hard in the past few years。。。。。。 But what does the bank think? Isn't such a low interest rate a gift of money? Isn't it true that the richer the richer, the less rich the unpaid?"

"Actually, the intentions are good. It is to make enterprises increase their productivity. But with all due respect, the gap between Han's banking industry and the West is not ordinarily large, and he ignores something called human nature. Lowering the interest rate on loans is to make people borrow more, but if you don't do anything and make more money than you earn hard, then who will take the money out to expand production?

Yang Meng scratched her head: "Okay, what you said really makes sense." But Zete, I don't know anything about this bank, can you just talk to this Governor Feng?"

"It's because I don't understand that I let you talk about it. Zett said.

Feng Nanzheng heard that Yang Meng finally heard him, and hurriedly said: "Actually, I mainly want to get to know Mr. Yang this time, after all, Mr. Yang is famous in Handong but has no chance to meet him, which makes me feel very regretful, so I asked Miss Zete to introduce me." ”

Yang Meng scratched her head: "Oh, go and sit in my study for a while." ”