There are not many people involved in this cooperation negotiation, and there are basically only Lu Heng, Zhao Jing, Zhao Gen, Tian Xiaoice, a financial analyst and a lawyer on Hengcheng's side. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

The lawyer was still found from the investment department that had been abolished before, and after dealing with this cooperation negotiation, he would join the investment investigation team set up by Qin Xinkun.

This time, he was also asked to come for the last step of the contract signing, and to write out the terms of the contract, so as not to have any traps and loopholes in it.

In comparison, Xinyuan Guarantee seems to have a lot of people, but in fact, the composition is simpler, and everything is dominated by Liang Botao.

As soon as they sat down, the two sides began to negotiate conditions on the premise of cooperation.

"First of all, I want to know if you are interested in cooperating, how long is this period?"

Zhao Jing glanced at Lu Heng, and then said calmly: "Three years!"

Liang Botao immediately shook his head, "Three years is too short, once we cooperate, our company will have to invest a lot of manpower and material resources, if the time is too short, it is inconvenient for us to recover costs and make profits." ”

"Then Elder Liang, how long do you think is appropriate?" Lu Heng asked with a smile.

Liang Botao stretched out a palm, compared five fingers and said: "At least five years, five years is the most suitable time for both you and us." ”

Liang Botao said this, naturally there are his considerations in it, five years is not long, and it is not short. It is enough for Xinyuan Guarantee to have other partners in addition to Hengcheng Group in the early stage of development in the mainland.

At that time, even if the two parties break up, Xinyuan guarantee will not hurt the bones.

Moreover, five years of operation is enough for Xinyuan Guarantee to adapt to the auto finance market and accumulate sufficient reputation and resources.

Lu Heng nodded noncommittally after hearing this, he didn't directly refuse, nor did he agree, he naturally knew Liang Botao's plans, but he was not a good person who was bent on thinking about others.

"For such a long period of cooperation, for us, it is equivalent to being bound to the tree of Xinyuan guarantee. Mr. Liang should know that at present, Hengcheng Group basically only cooperates with major banks in the field of auto finance, and has not cooperated with private enterprises. If I cooperate with you, I believe you will also ask to be an exclusive partner!"

Liang Botao nodded, this is for sure, the big cake of Hengcheng Group, he doesn't want anyone else to share it with him, he just wants to eat it alone.

Lu Heng shook his head and smiled, "Everyone knows the advantages of exclusive cooperation, the benefits you can get are far greater than ours, if the time is still tied to more than five years, do you think I will agree? Or, what conditions do you want to use to make me agree to your conditions." ”

This is to let Liang Botao show the conditions of their cooperation, if it is not preferential enough, then Lu Heng will not agree.

Whether it is a five-year cooperation period or a request for exclusive cooperation, Lu Heng will not agree!

Liang Botao's expression was awe-inspiring, and he whispered a few words to the subordinates beside him, and then gave him the position to speak.

The man didn't hesitate, took out a laptop from the computer bag he had been holding, and pleaded to Lu Heng: "Lu Dong, you have projection equipment here!"

Lu Heng didn't speak, and Zhao Jing had already asked someone to send him in to help him adjust the projector.

In a few moments, the picture on the notebook was projected onto a white screen, and everyone could see it clearly.

"My surname is Wang, everyone can call me Xiao Wang. This is a series of conditions listed by Mr. Liang for this cooperation, and I will explain them to you one by one!"

Xiao Wang bowed, and then began to slide the curtain with the laser pointer in his hand.

"By 2009, the per capita GDP of Chinese had reached US$3,700, while the average number of cars per 1,000 people was only about 50, which was lower than the world average of 141 per 1,000 people, except for a few large cities such as Beijing." In the future, the huge potential of automobile consumption will surely promote the rapid development of the automobile industry, so that the demand for automobile consumer loans will continue to expand. ”

"But in China, auto finance is still in its infancy, and Chinese people are more likely to choose to buy cars in full than foreign loans of up to 70%.

This is not only the difference in consumer awareness, but also the scarcity of financial loan companies.

Most of the domestic enterprises involved in auto loans are large state-owned banks, joint-stock commercial banks and auto finance companies of major automobile manufacturers, and as we all know, the probability of ordinary people wanting to successfully borrow money in these financial institutions is very low. ”

"Let's take the big state-owned banks as an example, Lu Dong, your company should also mainly cooperate with these banks now!"

Lu Heng, Zhao Jing and others nodded one after another, their cooperation in auto finance loans is basically CCB, ICBC and other large state-owned banks, this Xiao Wang is not wrong.

Xiao Wang continued: "The loan threshold of large state-owned banks is very high, and in terms of procedures alone, it is necessary to provide household registration book, real estate certificate and other information, and usually need to use the house as collateral, and find a guarantee company to guarantee, pay the deposit and handling fees. It can be said that it is extremely troublesome, and if you don't have a stable job and good credit, you basically can't get a loan.

And not only that, they can give conditions of more than 30% of the down payment of the car, the loan term is also less than three years, and even need to pay a deposit of about 10% of the car price and related handling fees. How many prospective customers do you think will be able to meet these conditions and still be able to afford the stress of repayment?"

Zhao Gen, who was sitting next to Lu Heng, nodded involuntarily, he climbed up step by step from the bottom of car sales, and knew the actual problems related to loans best.

It's even more troublesome than this Xiao Wang said.

For example, some migrant worker brothers who work on the construction site, their earning power is not inferior to that of white-collar workers in big cities, and the husband and wife can save some money and earn more than 100,000 yuan a year.

But they don't have a stable job, they can't afford to buy a house in a big city, they can't get a property certificate, and as for finding a guarantor company, let alone a company, not many companies are willing to vouch for them.

Many times, some customers who come to buy a car with money have signed a car purchase contract, but they end up failing to pass the loan approval.

It has to be said that this is the underdevelopment of domestic auto finance, which limits the ability of ordinary people to buy cars.

Seeing that everyone listened to his words, Xiao Wang couldn't help but be happy in his heart, and he spoke more powerfully.

"However, our Xinyuan Guarantee is different, as a private auto finance company founded by Mr. Liang, it was founded according to the model of those mature financial companies abroad. There are not so many troublesome procedures, some just make car buyers and car sales 4S stores feel convenient services!"

(To be continued.) )