"That's right, Baodao's technology industry is relatively leading, and there are many products, I should have thought of this market a long time ago, Sister Annie, or you have a good vision." Vivien's eyes lit up.

It is even more difficult for others to find Zhang Rujin to introduce business, but she is the person next to Liu Ruoyi, and she can make an appointment at any time when she sees that Zhang Rujin still doesn't want to see the uncle next door!

After the earth-shaking development of Xin International in the past two years, Boss Zhang's position in the treasure island industry has long been a big man in Taishan Beidou.

Such a connection, if it wasn't for Liu Ruoyi's prompt, Vivian didn't know how to use it.

Blue Core Technology is Liu Ruoyi's idle move, that is, watching Vivian push Dr. Yang's sake, now the technology research and development is still reliable, the product has been rigorously tested, the performance indicators are excellent, and the mass production preparation is also ready.

If a relatively large market order is launched, Blue Chip Technology will really take the first step towards commercialization.

Now Dr. Yang is working hard to develop a second-generation product based on BL-100, and wants to integrate the A2DP function so that it can be used in Bluetooth headsets.

If you can also integrate the sound decoder, then you can directly make a Bluetooth headset.

In Dr. Yang's view, Bluetooth headsets will still be a relatively large market in the future, after all, many flagship models of today's smartphones have begun to integrate Bluetooth.

It's just that the function of the Bluetooth headset of the current mobile phone is really unsatisfactory, and it can hear the sound, but if you want to say that there is good sound quality, don't mention it.

Listening to the music is even more touching, and the sound quality is so poor that it is simply impossible to listen to it.

Therefore, for Dr. Yang's technical talents, the research roadmap of Bluetooth in sound application is actually quite clear, and after the data transmission is solved, it is to further solve the audio propagation, but there are many technical problems that need to be solved.

The BL-100 chip only simplifies the low-power transmission and connection of the first generation, and the audio propagation bandwidth and transmission stability are required.

The R&D team of Blue Chip Technology has swelled to more than 30 R&D personnel, half of whom are really researching chip design improvements, and more R&D personnel are doing technical solution support.

Including the customer's hardware design support and software development support, this commercialization does not mean that the chip is made and finished, if there is no good technical support team, no one will dare to use your chip.

If Dr. Yang wants to work hard to integrate audio decoding, this design team has to expand and add software and hardware designers in audio decoding.

Obviously, it is best to buy a sound codec core at the beginning, which is the most reliable.

In this way, the initial investment of more than 30 million yuan is a bit stretched.

As the CEO, Vivian looked at the R&D plan and expense budget proposed by Dr. Yang, the CTO, and had a headache, this money has not yet seen a shadow, and another 50 million expenses are listed to be raised.

Although Vivian can take out this money herself, it is a bit hurtful for her private money.

What's more, this kind of investment is not suitable to pay for it yourself, so after discussing with Liu Ruoyi with the R&D plan and expense budget, Blue Chip Technology launched the first round of public financing.

Due to the lack of sales data, only the new products developed by the company, the first round of valuation of Blue Core Technology is not high, with a pre-investment valuation of 100 million, of which the original shareholders Liu Ruoyi and Vivian injected another 10 million respectively and raised 30 million to the public.

As a result, Aurora Venture Capital led the investment and invested 15 million, and two other venture capital institutions in Xiangjiang followed with 15 million, which made the shares of Blue Core Technology change greatly for the first time, and the shares of the founding shareholder team were reduced to 70%.

After Liu Ruoyi increased her investment, her stake was reduced from 60 percent to 52 percent, Vivian's stake increased from 10 percent to 17 percent, and Dr. Yang's team's 30 percent technology investment was diluted to 21 percent.

The remaining 30 percent is institutional investment.

Fortunately, Dr. Yang and his good friend Mo Yanping did not feel much about the change in shares, and the most important thing for them was to continue their research.

Although the first-generation BL-100 has excellent data transmission performance and good power consumption, Yang Qishan and Mo Yanping are not satisfied.

For the sake of simplification and cost reduction, the built-in computing unit of BL-100 is an 8051 core, which has relatively weak performance, and what the chip can do is a simple connection and transmission.

According to Yang Qishan's research, in the future, Bluetooth chips may be able to do some controller things in addition to transmission and connection functions, if a stronger kernel is integrated.

It's just that now their team has just hit the road, and there is a lack of talent in all aspects, so this plan cannot be implemented for the time being, and after the audio processing of Bluetooth is completed, it will further iterate and evolve a new generation of Bluetooth with stronger functions.

With the financing and the support of Zhang Rujin, Vivian established contacts with several mouse and laptop OEMs on the island.

Master Zhang's face is really very valuable, and these OEMs all agreed to accept the BL-100 of Blue Chip Technology for testing and verification, and if there is no problem with the technology, then they will purchase it in bulk.

This unexpected result made Vivian very excited, of course, the reason why these manufacturers are so refreshing is also related to the fact that the quotation of Blue Core Technology is 15% lower than the current quotation of the Bluetooth chip they use.

Finding lower-cost components to replace them is the unremitting pursuit of OEMs.

If the quality of Blue Core Technology's products is excellent, there is really a big market on the island.

Tens of millions of notebooks and Bluetooth mice have been shipped, and Blue Core Technology should be able to barely break even with this market segment alone.

BL-100 is a chip with low complexity, which can be processed by Zhongxin International's 130nm process technology, and the material consumption of this chip is less than that of a fingernail, and the cost of mass production of tens of millions is less than 1 US dollar, which is still the initial stage of introduction.

In the future, the production cost will be lower, if the shipment can reach 30 million pieces a year, the processing cost will not exceed 0.5 US dollars per piece.

Therefore, Vivian's quotation is now 15% lower than others, and the shipping price is still above 2 US dollars, and the gross profit margin is quite high, basically more than 70% of sales!

If the competition weren't so fierce.

Once caught in the Red Sea fight, such as memory chips, the normal price is between $1 and $2, and now all the bargaining prices are below $1, then no one will make money.

Because there is still a huge amount of R&D expenses to be amortized, taking Blue Core Technology as an example, the R&D team is now small, and it will also need close to 30 million R&D expenses in a year, including labor costs, test costs, and tape-out costs......

It is really not tens of millions of shipments, and the amortization of R&D expenses per piece is several yuan, which is really a loss when this price is calculated.

This is just Liu Ruoyi's small business, and after guiding Vivien's efforts, she put it down.

Doing business Liu Ruoyi is like this now, once the executor understands what to do, Liu Ruoyi does not care about the execution process, but properly tests whether the execution results of the intermediate nodes meet expectations.

If everything goes well, Liu Ruoyi will not intervene, and if not, Liu Ruoyi will consider whether to intervene to analyze the reasons and make adjustments.

Only then will she be able to manage the dozens of companies that now operate under her umbrella.

Especially the span of these companies is still very strong, from finance, entertainment industry to high-tech industries such as semiconductors, if you have to do everything, Liu Ruoyi can't do it to death!

Unless it is a major event, Liu Ruoyi will completely let the management do it, and if the management can't do it, according to the quarterly assessment target, they have the opportunity to try to catch up with the performance target in 3 to 5 quarters.

Relatively speaking, Liu Ruoyi is already very tolerant.

Now Yongxiang Bank has another strategic opportunity, following banking, securities and futures trading, Liang Baiheng is now on top of insurance.

The first conference room of Yongxiang Building.

"These are our initial plans to enter the insurance industry. Please give more corrections to the leaders. After Hu Qing, the head of the preparatory team of Liang Baiheng's newly recruited insurance division, finished talking about his plan, he stood there very politely and waited for the bigwigs present to speak.

"Miss Annie, what do you think?" Liang Baiheng didn't say anything superfluous, he had already understood this plan in advance, in fact, he had already revised many things, in a sense, this was already his plan.

"Mr. Liang, since the mainland's policy is allowed to be opened, then you can do it, I think this plan is still a little conservative, and our market may not necessarily focus on the limited points of first-tier cities in the early stage. Of course, Liu Ruoyi is clear about the insurance industry.

This is a new profiteering market, now we can let Yongxiang Bank participate in the development of the mainland insurance industry, so just do your best, now Yongxiang Bank has become a giant in Xiangjiang, relying on the local market alone can no longer turn around, so it is obvious that we must go out of Xiangjiang.

The best choice is naturally the mainland, which is now experiencing rapid economic development, followed by Southeast Asia, which is already fiercely competitive.

"My suggestion is that in the initial stage, our target market will be expanded to the second-tier cities in the mainland and the provincial capitals of various provinces and municipalities, and the registered capital should not be too stingy, one billion yuan is too little, and start with 10 billion yuan directly, and buy a landmark building in Beijing as a headquarters, and rent out the excess office first. ”

Liang Baiheng and the others nodded frequently after listening, but Hu Qinglai, who had just arrived, didn't know Liu Ruoyi's style of doing things, and was a little dizzy after listening to it, how could he feel so tyrant at the beginning of this volume, but Hu Qinglai came to his senses in an instant and looked extremely excited.

He is a quasi-senior executive recruited by Liang Baiheng from an insurance company, and it seems that he has the opportunity to step into the senior management in one step. In fact, Hu Qinglai knows that he is still far from the executive, he has been working hard for 15 years, and he has been working hard in the insurance industry, but the higher the competition, the more fierce the competition, and it is not easy to really enter the level of the insurance industry boss.

So when the headhunter asked him to talk to Yongxiang Bank, Hu Qinglai agreed without hesitating for too long.

He knew very well the meaning of this interview, Yongxiang Bank did not have an insurance business at all, and the interview with him by someone of Liang Baiheng's level was by no means to let him do securities investment and financing.

It must be that Yongxiang Bank has an idea in terms of insurance. Although the start-up career will be very hard, Hu Qinglai also knows that this incident may be an important turning point in his life, and the idea of Ning Wei's chicken head makes Hu Qinglai tempted.

Sure enough, after an interview, both parties had an understanding of each other's ideas, and basically hit it off, and it was done.

After nearly three months of research and investigation, Hu Qinglai came up with the current plan.

According to his estimate and business plan, the investment of 1 billion yuan is already a good start, with this investment at the bottom, Hu Qinglai is confident that he will gain a firm foothold in the first-tier cities in the mainland and achieve breakeven in 2 to 3 years, and then he will have a reason to further ask the headquarters to increase capital and expand the scale.

Who knew that the script was not like that at all.

Liu Ruoyi directly advanced what he would do five years later to the present!

How much confidence do you have in insurance to dare to make such a heavy bet!

10 billion yuan is also a lot of money, and Hu Qinglai felt a little enthusiastic when he heard this figure. Coming to Yongxiang Bank is really the right place!

However, after he calmed down, he had a clearer understanding of his work and responsibilities, and with such a huge investment, he really had a heavy burden on his shoulders!

Liu Ruoyi waited for everyone to digest the shocking news just now, and then said, "In the first three years, I will not pay attention to your profit goals, I only care about the development goals, the team of insurance agents, the number and amount of orders signed per capita, the growth rate of market share and the reputation of word of mouth!"

"Especially the reputation of word of mouth, I don't want to hear that Yongxiang Insurance is relying on cheats to do business, and I don't want to hear that Yongxiang Insurance will do business to customers who do not need or are not able to bear, what we want to do is to make insurance to the people who really need them, and I want to see everyone's humane consideration in this regard in the design of insurance." ”

Hu Qinglai was in awe.

The chaos in the insurance industry is certainly not clear to him.

What Liu Ruoyi said is actually where insurance is heavily criticized, I can't imagine that Liu Ruoyi looks young and has insight into these drawbacks in such a short period of time.

"Miss Annie's words, what does Team Leader Hu think?" Liang Baiheng asked after waiting for Liu Ruoyi to finish.

Liu Ruoyi's approval of his development plan for this new field and the strengthening of financial support are certainly something to celebrate.

However, Liu Ruoyi still attaches great importance to the last request, what is going on with the insurance pull, although he has not done it personally, but he has been entangled by many insurance agents, and knows that it is deep and chaotic.

If Yongxiang Insurance also operates in this way, it can indeed do business in the short term, but it is difficult to make its own characteristics in terms of reputation.

Therefore, Liu Ruoyi's request is not so much to increase the difficulty of initial business development, but to create a new image of a responsible insurance company for the long-term business development of Yongxiang Insurance.

The backstage boss of Yongxiang Insurance has a lot of money, and there is no need to rush for quick success.

Hu Qinglai nodded heavily, "I understand what Miss Annie means, Mr. Liang! If this matter is entrusted to me, I will definitely do it according to Miss Annie's request." ”

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