|||->->In fact, by 1998, China's central bank had officially approved the development of automobile consumer credit business, but at this time, the credit business was mainly carried out by major commercial banks and other financial institutions, and automobile manufacturers rarely participated in it.

The turning point was in 2004, when the "Measures for the Administration of Auto Finance Companies" was officially implemented, and in the same year, the first auto finance company in China, SAIC-GM Finance Co., Ltd. was also established, which also made it the largest auto finance company in China, and its service scope expanded to more than 300 cities in more than 30 provinces across the country.

With SAIC-GM's entry into the field of auto finance, car companies such as Ford and Toyota have also entered the game, and domestic auto finance has made great progress. However, compared with European and American countries, the number of domestic auto finance companies is still scarce, and they are mainly dominated by foreign capital, and few domestic enterprises participate in them.

Although China does not yet have the conditions for large-scale implementation of auto finance, considering the loan purchase policy in the Southeast Asian market in 1993, Zhou Jingming feels that Tianming Group is the first person to eat crabs, and if it carries out auto finance business in China, the state should acquiesce or even encourage it.

After all, auto finance has a very big role in promoting the development of domestic auto consumption, which the country will not see.

"If the chairman's prediction is correct, and the financial controls will be relaxed in two or three years, we can indeed make relevant preparations at this stage, but the question is, where will the funds come from?" Ma Xudong frowned and continued to ask.

If the problem of funds is not solved, not everyone can get involved in the financial industry.

"Normal funds can only be obtained through bank lending, and it is definitely not possible to rely solely on our group's own funds as a source. Zhou Jingming said thoughtfully.

"However, the interest rate of bank lending is very high, so the financial cost will rise, which is not conducive to subsequent development. ”

Ma Xudong said this, Zhou Jingming couldn't help frowning, the reason why the domestic auto finance business is developing very slowly, and the high interest rate of bank loans is very related, even if Zhou Jingming's relationship is special, it is impossible for the banking system to allocate loans to Tianming Group at low interest rates.

"Don't worry about the capital, as long as there is a market, it doesn't matter if the interest cost is high, and the auto finance business not only involves the sales of the whole vehicle, but also involves the research and development of the whole vehicle, auto insurance, etc., so auto finance, we Tianming Group must be engaged, at the beginning of next year, strive for a pilot loan to buy a car in China!" After some thought, Zhou Jingming looked at Ma Xudong and replied.

Tianming Group's financing channels are not the only ones in the banking system, it is really not good, and Zhou Jingming can only lick his face again and borrow funds from Huaxi Village.

"Okay, chairman, then I'll go back and prepare, and come up with a plan before the end of the month to give the overall framework of our group's auto finance company. Since Zhou Jingming said so, Ma Xudong didn't say anything more, Zhou Jingming is the chairman of the group, what he commanded, Ma Xudong did what he did.

After the matters of employee stock ownership and auto finance were decided, Ma Xudong also left Zhou Jingming's office. And not long after Ma Xudong left, Zhao Ke also came to Zhou Jingming.

"Chairman, is there anything to do with me?" Zhao Ke asked with a smile after he came in.

Now the two of them perform their own duties, the group's usual large and small businesses, basically Zhao Ke is responsible for handling, only when encountering major strategic decisions, will be decided by Zhou Jingming, this time Zhou Jingming deliberately let himself come over, Zhao Ke guessed that there must be something important to discuss.

"Do you remember that two years ago, I mentioned to you the policy of employee welfare room allocation?" Zhou Jingming handed Zhao Ke a glass of water and asked with a smile.

Zhou Jingming wanted to implement the welfare housing for a long time, but the group encountered major businesses one after another, especially during this time, it spent a huge amount of money to acquire Rolls-Royce, so this policy has been delayed and there is no way to implement it.

Now Yixuan SUV is selling well in the world, Bentley Motors sold to BMW and recovered nearly half of the acquisition funds, Tianming Group is fully capable of implementing this policy, taking advantage of the fact that the housing prices in Shencheng have not risen rapidly, Zhou Jingming feels that he can seek more benefits for employees, so he will seek a little more.

First of all, the accommodation problem of employees will be solved, so that employees will devote more energy to their work and create more value for Tianming Group.

"If we do welfare housing now, will our group still have so much energy?" Zhao Ke asked worriedly.

At present, Tianming Group has enough projects under construction, especially at this stage is still in the critical period of developing the luxury car brand "Yanhuang".

"We don't need to build the house ourselves, choose the address, and leave the rest to the real estate company. If it is not built, the price of land in Shencheng will rise sharply. Zhou Jingming replied with a smile.

"That being said, what does the chairman think about the specific room sharing policy?"

"At present, the number of employees in Tianming Group is too much, and it is certainly not possible to ensure that everyone can get a suite at one time, or similar to the policy of employee stock ownership, according to the length of service and contribution to the company, the first batch of room divisions, the total number of people in 2000, the group's subsidiaries and departments, according to a certain proportion of personnel allocation, the future batches of housing policy, will also be carried out in accordance with this blueprint. Zhou Jingming replied.

Zhou Jingming has been thinking for a long time about the policy of employee room sharing, and Zhou Jingming has an idea in his mind about how to allocate it, where to build the address of the community, and so on, as long as the group's funds are in place, it will be implemented immediately.

In the following time, Zhou Jingming and Zhao Ke had a detailed discussion on the specific details of the employee's room division, and finally Zhao Ke formed a preliminary room division plan.

"Tomorrow, we will have another board meeting, and then you will introduce the subdivision policy at the meeting, and then the board of directors will issue a formal implementation document. About half an hour later, Zhou Jingming stretched his muscles and said comfortably.

"Okay, then I'll go back and sort out this document again. Zhao Ke nodded, and then continued, "It is also employee stock ownership and welfare housing, coupled with the preferential purchase of cars by employees in previous years, the treatment of employees in our group is absolutely first-class in China." ”

"I can't say much yet, but it's definitely getting better and better in the future. Zhou Jingming said with a smile.

After the "Yanhuang" car opens up the situation, Tianming Group will definitely have the strength to rank among the world's top ten automobile manufacturers, and then Zhou Jingming will have greater capital to seek benefits for employees.