The chaos of the rim is that the threshold for entry is low, and the quality of employees is not high. After working in the financial circle for a few years, Xing Yu found that the financial circle is darker, and those who play finance are highly educated and smart people. If you are not afraid of hooligans who know martial arts, you are afraid that hooligans are educated.

If there is a problem with buying a trolley, it is fried on a high fire, and it will be cooked after oil, and what problems will be found quickly. Finance is different, it is a slow simmer, boiled frogs in warm water, and you can't find out until the end.

In recent years, various financial businesses have sprung up one after another. Inventory financing, financing, leasing and leasing...... There are also some unpopular routines, LT loans, xy loans...... Anything you can think of, there's someone to play.

After the emergence of Kurong, many car dealerships have expanded their business area, one by one is luxuriously decorated, the store is neatly dressed, and they look a lot taller and more noble, but business is becoming more and more difficult to do.

Various e-commerce platforms have entered the second-hand car industry, car prices have become more and more transparent, the purchase price has increased, the sales price has decreased, the car dealers in other places have almost disappeared, the relocated second-hand car market, the number of vehicles has increased, the models have become richer, and the car condition has improved.

Xing Yu also changed two or three companies to work, the earliest in Yixin, did not become the regional manager of the five northwest provinces and left, and then transferred two financial companies, and also achieved the position of the regional director of the five northwest provinces.

"I also want to drive a car dealership!What do you think?" Xing Yu, who had been out of town on business for more than a month, asked with his arm around Wei Xiao, who was already married.

"How can you think that? Isn't the company pretty good now? Wei Xiao raised his head and looked into Xing Yu's eyes and asked.

"It's better to die than to be free. You see you're busy now, you've gone abroad to play a few times, and you haven't brought me with you once, your best friend Ma Duo is now like a star, and she makes money by playing around every day. If you drive a car dealership, you can collect cars all over the country, and you can also take you as a tourist, and you will be more free to do it yourself. Xing Yu replied.

"But in the car shop, we don't have enough money in savings, how can you toss it? Open a small storefront, don't you go back more and more. Wei Xiao voiced his worries.

"You don't have to worry about this, when I make a detailed plan, I can get the investment. I'll solve the problem of leverage. Xing Yu touched Wei Xiao's head and said with confidence.

"You don't want to learn Longlong, he ...... everything" Wei Xiao, who has been familiar with Xing Yu's friends in the past few years, knows some things.

Long Long saw that Xing Yu's financial industry was doing well before, and he also started to think about this aspect, he originally pulled Xing Yu to do it together, but unfortunately Xing Yu was reluctant to have a high income here at that time, so he just said a few ways.

Long Long is still very smart, and quickly came up with a set of ways out that suits him:

Equity car, simply put, is to use the influence of their own car dealership to absorb the excess funds of some corporate companies into shares. At the end of the year, not only will you pay dividends, but also provide you with a vehicle of the same price or higher than the share price for free according to the shares you invest.

There is no restriction on the model, if you want to talk about business, Passat, Audi A6L, BMW 5 Series, Mercedes-Benz S Series can be selected.

Reception customers, Buick GL8, Honda Elysian, Toyota Alpha, Ford F350, etc.

Anyway, as long as you have a share, according to the number of shares, according to your needs on any occasion can provide you with a satisfactory model, later maintenance, you don't have to worry, there is a special think that you are responsible.

This is much more cost-effective than you go to rent a car, there is no cost, not to mention, and you will be given corresponding dividends at the end of the year.

The plan was perfect, and Long Long quickly got a lot of cash, but it was difficult to implement it.

First of all, once the vehicle is used, it belongs to the category of used cars. The moment you open a 4S shop, it is a second-hand car, and the depreciation has already happened.

There is also a small story here, a few years ago, Xing Yu had a friend named Guo Le, who wanted to buy an Accord, Xing Yu repeatedly recommended a second-hand Accord for 2 months without success, so he could only go to the 4S store to find an acquaintance to buy one at a low price.

Guo Le, who bought the car, was very happy, and put up a flowing water seat when he returned to the village. The indigenous residents of these urban villages in Xi'an are accustomed to setting up a few tables of flowing water mats when they buy cars, buy houses, go to school for their children, and get married and funeral.

I drank too much that night, and a few idlers in the village were bored, so they pulled Guo Le and finished pushing a few pairs...... Now it's okay, the next day Guo Le found Xing Yu and said that he was going to sell the car, and the car had been escorted out last night.

It should be that Guo Le had been vaccinated before, and the car was only sold to Xing Yu at a slightly higher price than the normal second-hand car......

What's even more mysterious is that Xing Yu was doing installment business at a 4S point before, and he heard a quarrel. It turned out that a customer bought a new car for marriage, but unfortunately the customer's daughter-in-law didn't like it, the money was paid, the purchase tax invoice was also opened, the brand was also on, and the 4S store was not opened, so I wanted to return the car, so can the 4S point be willing?

A group of people said that the public was reasonable, and the mother said that the mother was reasonable, where the chatter was endless. The 4S shop is full of acquaintances, Xing Yu naturally wants to go up to help persuade him, and Xing Yu directly buys this vehicle that has never been out of the door of the 4S store at a price of about a year in the market.

There are two types of loss in automobiles, including tangible loss and intangible loss. The value loss of the car due to physical and chemical reasons belongs to the tangible loss, which also includes the friction, vibration, aging and so on of parts and components during the use of the car.

Coreless loss refers to the progress and development of science and technology, vehicle replacement and other reasons.

The time of the vehicle merchant, the number of transfers, and the degree of use will all seriously affect the price of the vehicle.

Although Long Long has considered this reason, the shareholders are generally used second-hand vehicles, but Schumacher has also hit the car, no one is a god, it is impossible to avoid some collisions, even if the insurance company gives a certain compensation, the sales price of this vehicle has also changed.

There are also customers who drive away and do not return the vehicle according to the stipulated time, which affects the best time for the sale of the vehicle. As a result, the vehicle inventory time is too long, and the intangible loss is generated, resulting in the loss of sales price......

There are too many loopholes in Longlong's equity car, and I don't know how many people's hard work behind a suitable financial product, actuaries, data analysts, and risk management ...... Where hundreds or thousands of people are researching, there are still loopholes, and you can figure it out as soon as you think about it, can it operate perfectly?

In the end, it became insolvent, and the car sales company, which was originally good, played with these things that he was not familiar with, and was forced to go bankrupt by himself.

It was knowing Long Long's experience that Wei Xiao did not support Xing Yu to do this industry by himself, and smiled and felt that Xing Yu and Long Long were the kind of people who were smart enough and scared, not stable enough, and not careful enough to think about anything.

And now that I'm out, everyone knows that my husband is a senior executive of a large company, and it will be more face-saving to take it out. If you drive yourself, people will say that you are a car seller when you go out, and people don't care if you are the owner of the car dealership.

"Fat brother, you have a lot of salary now, don't think about making a lot of money, don't cheat the company's money, Li Wei hasn't all gone in. Wei Xiao was still persuading Xing Yu to dispel this idea.

Li Wei, it's almost the same if you don't go in. After all, if there is a problem in this circle, they will cover the quilt by themselves first, and they will make big things small and small things, and they are unwilling to cause too much social influence, which is not good for the company's external image.

Li Wei was still very helpful to Xing Yu in the early stage, but in the later stage, seeing that Xing Yu's performance had been in the forefront of the country, he was afraid of moving his cheese, so he directly applied for two or three more car loan supervisor positions from the head office, dividing Xing Yu's cake and weakening Xing Yu's rights.

He had a close relationship with one of the new business executives, and he made money for himself during the turbulent period of the market in the northeast of Shaanxi, and the default rate skyrocketed.

The product itself is good, but because of a few mouse feces, it has lost its original intention, serving the people, and becoming a benefit to the people.

"Wife, you haven't been to work, you don't know how hard it is to work. The company's main focus is on performance, corporate culture, and moral training. The headquarters issues various business indicators every day, but strictly abides by the company's product requirements to complete these tasks. Xing Yu made up his mind and wanted to do it himself, the upper level moved his mouth, and the lower level was really not interested in doing it when he broke his leg.

Now the company where Xing Yu works is the largest second-hand car e-commerce platform in China, with a financing of 100 billion yuan, but it is also in a deep integrity crisis.

Not only does Xing Yu's company have this problem, but all major e-commerce platforms have been exposed to various problems...... All kinds of news are wildly reprinted on the Internet.

Is the product bad? Can hundreds of professional inspections check the car without problems? But how much time does it take?

The paint detection of a door needs at least 5 points to take data, the paint detector, just to detect all the paint surface of a car takes more than 10 minutes, check out the paint surface problems also need to check the internal damage, but also OBD driving data reading, vehicle configuration style confirmation, insurance, maintenance record query...... It takes more than an hour for a vehicle to be tested in full accordance with the regulations, regulations, and systems.

The uncooperation of the car owner and the non-cooperation of the car dealer will make this time rise sharply, working eight hours a day, excluding the time on the road, how much time can be left to inspect the vehicle?

Every day, there are hard indicators to be completed, and the salesman begins to come up with all kinds of chaos, the so-called policy, and there are countermeasures. The company didn't give us enough time to test, so we checked a little less, and some salesmen even completed the test after just a few glances, and continued to rush to the next customer.

The installment market is even more mixed, with "0" down payment, "0" interest, and those specializing in black households...... What's funny is that Xing Yu once pretended to be a customer to do market research and found that this "0" interest product was interest-bearing.

The business is ashamed to say, we don't have a holiday if the earth doesn't explode, we don't rest if the universe doesn't restart, the sky is blue and so on, and I'm waiting for you, my sky has no four seasons, only two seasons, you come is the peak season, if you don't come, it's the off-season. 365 days a year, in the wind and rain in the Chinese New Year's Eve I am waiting for you, no rest, "0" breath.