Today, in the 21st century, the phenomenon of intertemporal consumption is very common, no matter how much consumer goods are used, you can meet the current consumer demand through "borrowing", which is the most common, is Alipay's "Huabei", which can be said to be a common way for all people to consume across periods.

Of course, in the direction of a larger one, the most common form of intertemporal consumption is the mortgage and car loan, the car and the house of the two kinds of consumption, the amount of one-time payment, for many people, there is no way to meet, so there is a car loan and housing loan this financial service, only need to pay a certain proportion of the amount, and then regularly repay the debt every month, and this consumption model, but also gave birth to "house slaves" and "car slaves" Such a social group has led to many people actually working for banks all their lives.

However, from a socio-economic point of view, the emergence of housing loans and car loans has indeed realized the dream of buying a house and a car that many people would never have imagined before, and has also made a great contribution to promoting social and economic development.

In the nineties, the state's control over the financial sector was still very large, and it was absolutely impossible to achieve personal consumption through bank loans, and without the permission of the national regulatory authorities, it was impossible for Zhou Jingming to establish an auto finance company, illegally get involved in the financial industry, and provide financial loan services.

Zhou Jingming's loan to buy a car refers to the employee's one-time payment of 50% of the car purchase, and the rest of the money is deducted from their salary every month, and the employee can freely choose to deduct 50 yuan or 100 yuan per month according to his own situation, and in the next repayment years, Tianming Company will not charge any interest until the employee pays off the last car purchase.

Of course, in order to prevent some employees from defaulting on the huge amount of car purchases, every employee who applies for a "loan" to buy a car needs to sign a contract.

Of course, the reason why Zhou Jingming piloted the loan to buy a car within Tianming Company is actually to enter the Southeast Asian market next year to train soldiers, just like Xu Weidong said, in the Southeast Asian market, Tianming Automobile Company faces the biggest competitor, is the island country car manufacturers that have been deeply cultivated in Southeast Asia for many years, and Zhou Jingming's only advantage is the price.

But Zhou Jingming will not be stupid enough to fight a price war in order to compete for the market, the price war is not beneficial to anyone, and the profit of the Xiaofuwa car is already very low, Zhou Jingming can no longer continue to reduce the price, let alone reduce the quality of the Xiaofuwa car in order to reduce the price, quality is the lifeline, which must not be touched.

So Zhou Jingming's only advantage is that he uses the advanced loan purchase concept of the future generations to seize the Southeast Asian market, as for whether the effect is good or not, Zhou Jingming wants to run it internally now, and then he can formulate a loan car purchase policy that is more in line with the Southeast Asian market according to the experience summarized during this time.

This is Zhou Jingming's ultimate goal!

After Tianming Company issued such a preferential policy, the employees' response to this policy also proves how popular the policy of loan purchase is.

Thanks to these preferential policies, only a week has passed, and more than 5,000 internal employees have applied to the company for "employee purchase", and most of them are buying Xiaofuwa cars, and only a small part of them have chosen to buy Phoenix brand cars and Kirin cars, two models with higher prices.

Fortunately, at this time, the production base in Shencheng has been put into production, and Tianming Automobile Company has been able to achieve an annual output of 150,000 Xiaofuwa cars, so the extra demand due to employee purchases will not affect the sales company.

And this policy, but also in the whole Tianming company, has caused a warm response, many employees are happy for this policy, the sense of belonging to the company is getting stronger and stronger, which is a good news for the construction of Tianming company's corporate culture.

"Being able to work in Tianming Company is really the greatest luck in my life. ”

"With a high salary, good benefits, and a good boss who thinks about us everywhere, I can't think of a better company than here. ”

"Zhou is always the best boss in the world, there is no one!"

…………

From the evaluation of this policy by these employees, it can be seen how much support and welcome everyone has for this employee purchase activity.

Soon into July, the "employee purchase" activity is still in full swing, almost every day there will be more than 500 new car purchase applications, "buy a car" has become the hottest thing within Tianming Automobile Company.

At the same time, the Beijing-Tianjin-Hebei and the Pearl River Delta, the two newly opened sales areas, with the efforts of Xu Weidong, have slowly changed from the original scattered sand into a whole, and the status of the two sales centers of Yanjing and Yangcheng has gradually been reflected, and a mature sales network is slowly forming.

"Now the sales of Xiaofuwa cars in the country have been able to stabilize at the level of 10,000 units per month. Of course, not the total demand is only 10,000 units per month, and there are two main factors that limit the sales of Xiaofuwa cars. ”

In the conference room, the representative of the sales company was making a work report, and the heads of the other departments were all listed.

"The first is production, although our company has reached the level of annual output of 150,000 vehicles, but this is still far from meeting the market demand, and the potential consumer demand is far greater than the current supply. The second is that the sales network is still not developed enough, in addition to the Yangtze River Delta, the Pearl River Delta and the Beijing-Tianjin-Hebei three sales areas, the rest of the place is still difficult for us to radiate, these two factors, constitute the main reason for the current sales can not go up, of course, the key factor is that the output can not keep up. ”

The speech materials of the sales company representative were specially prepared by Xu Weidong, and summarized the main problems in sales at present, and these two points are precisely the dead end of Tianming Company's sales problems.

"I just sold the company's report, and I'm sure everyone heard it. After the sales company's report was over, Zhou Jingming, who was sitting there, cleared his throat and spoke.

"Poor Niang can not keep up with is indeed the most critical problem of our company, the production base in Shencheng put into use only to solve our urgent needs, if we do not expand the scale of production, then our sedan era, is likely to be postponed for many years to achieve. ”

"Therefore, after my research and decision, starting from this month, Tianming Company will officially implement a new round of capacity expansion, this time, I call it the '500,000 Plan'!"

：。 ：