Chapter 098 Finance
What a great girl, but it's a pity...... It's impossible for them to be sincere, how can Wang Bang allow the granddaughter of the enemy family to share a bed with him for a lifetime? Don't forget, he has already secretly made a move to the old man of the Qiu family, but no one knows.
So...... He could only pretend to be confused.
And begonias ...... I can only go home and complain to my girlfriend.
The heartless Wang Bang quickly forgot about yesterday's entanglement, because his team has made another breakthrough, this time it is a hydrogen internal combustion engine, the power and economy have met his requirements, and the blue ice motorcycle can enter the field of micro cars.
The so-called mini car is a car of similar size to the Chery QQ. The hydrogen internal combustion engine is different and needs the support of a glass hydrogen supply station, so Boss Wang specially designed a special hydrogen station called the Hydrogen Club.
This club is really fun, because one city needs only one to provide the best service for all car owners. Set the owner to travel 20 kilometers a day and drive 600 kilometers a month, you need to replenish the glass hydrogen once a month, this kind of car called H0 comes with a fuel monitor, when the owner is about to run out of fuel, it will notify the club.
The club's hydrogen refueling car will take the initiative to run to H0 to replace the hydrogen tank that is about to run out for the owner, so the members of the club pay a service fee of 200 yuan every month, and their cars will always be full of vitality. In fact, this is very easy to do, assuming that a city has 1,000 H0s, because it only takes 30 days to inflate once, so the hydrogen refueling car only needs to be 33 per day, and each car is 1 km apart when it is in the parking space, and the hydrogen refueling car only needs to run 33 kilometers to get it.
And this method is generally more efficient, because most of the jù will optimize the driving route and hydrogen charging time of the hydrogen charging vehicle, and if the hydrogen is charged in the dead of night, the driving speed will be very powerful. According to Wang Zhan's estimates, even if there are 10,000 H0s in a city in the future, it may be enough for one hydrogen vehicle to serve 333 vehicles per day.
This plan will soon allow the hydrogen club to spread to more than 600 cities across the country. In order to allow a city to build a club faster, Boss Wang also gave the locals the opportunity to invest, each club needs to invest 300,000, and the owner who is the first to book H0 can apply to become the founder of the local hydrogen club and enjoy 30% of the club's operating profits.
The price of H0 is also very similar to QQ, 40,000. After the full amount is booked, 30 car owners become the club's operators, and each person can work for one day to ensure that the club is manned every day. Boss Wang can even save employees.
If the club serves 1,000 H0s in the future, there will be 200,000 yuan of revenue every month, and each of them will receive 2,000 yuan of revenue, and if the profit margin is 50%, they can get 1,000 yuan. This is a small amount of extra money in a small city, and in a big city, it may be divided into 10,000 yuan, which is not a small amount.
This is not counting the income of the Blue Ice Motorcycle, the hydrogen internal combustion engine motorcycle will also be included in the club, ranging from 50 to 100 per month, depending on the owner's usage.
Of course, Boss Wang is making a lot of money, H0 itself makes a lot of money, and if the hydrogen club is rolled out across the country, one city will earn 140,000, 600 cities will earn 84 million, and it will be 1 billion a year. Because the hydrogen refueling service can also make money endlessly, he can be very generous when selling the car, and only need to pay a down payment of 10,000 yuan to take the car home, and his funds can be used for loans.
Xidu is even more generous, subsidizing 10,000 yuan for each hydrogen diesel locomotive, which is cheaper than Chery QQ and other gasoline cars. Because the air in the western metropolis is really bad, the citizens applaud the city government's move, and of course, the opponents who sell gasoline cars have a harder time.
There are more than a dozen polluted cities across the country that intend to follow in the footsteps of the Western Capital, and the technology magazine of the United States Imperialism said that "please pay attention to the new energy vehicles of China's godfather of innovation, which may impact Tesla's plan to popularize electric vehicles to the low-end".
Tesla's stock price fell in response, and Wang Fang created a unicorn company, which, together with escapement, Qilang and TBB, is known as the "Four Beasts of the Hot City".
I can't control the three beasts in front of me, and it's even more amazing to take refuge in the opponent, so, under the operation of Wang Zhan, the four beasts of the hot city invested together to create a bank, called "Unicorn Bank", Wang Zhan is the CEO of real power, and this time, he has become the real beast king again.
It's a pity that the bank's headquarters couldn't move to the Western Capital, a small pity.
Unicorn Bank has also officially become the first bank in the world to officially announce the adoption of blockchain technology, which is regulated and licensed by the central bank.
At present, P2P finance is like a rat crossing the street, and everyone shouts and beats it, but Mr. Wang is ready to get involved. As the nominal head of TBB, who has the largest street flag contract in the country to operate electronic bus stop signs, he can easily convince TBB to rent out certain street light flags to his own special team.
This special team is part of Unicorn Bank and is a close partner of TBB. They will set up the notorious pseudo-base stations on the street light flags. However, it is not used to scam money, but to detect the mobile phone number of special groups. Mr. Wang needs two kinds of people's numbers, one is the person who needs consumer credit, mainly the people who buy houses and cars, and he also needs to introduce them to the part-time job of the unicorn business, that is, the sales lady and the car salesman.
The people who enter the sales building or auto store with the pseudo base station record number, who come every day, are of course salesmen, and those who occasionally appear are coming to prepare for consumption.
With a phone number, you can sell part-time plans to salespeople, and the first type of financial business is the early withdrawal of fixed deposits. When the buyer is ready to spend, he is likely to encounter the embarrassment of his fixed deposit not due, and if there is an organization that can avoid the pain of no interest particles, this is also a good thing for the salesperson, and her house is more likely to be sold.
A few decades ago, Citibank invented the transferable term deposit, but this required a large certificate of deposit, such as $1 million. Ordinary people can't afford to play, giving the small transfer business room to survive.
Part-time salespeople can directly serve depositors, asking them to use the certificates of deposit as collateral, get the principal first, and then share the accounts with the salesperson and the unicorn bank when the certificates of deposit expire.
In this way, unicorn banks do not have to hire employees on a large scale, and only need to set up a limited number of service outlets in the city to reap the benefits of fishermen. Even if a city only has 10 orders a day, a single earns 100 yuan, there are 1,000 profits, 600 cities across the country, it is 600,000 profits, 365 days a year, is 200 million profits.
That's enough to feed 4,000 Chinese employees and open bank outlets in cities across the country, where a well-known bank like China Merchants Bank has not had outlets even in a city like Guilin.
This is not actually P2P, but just a way to obtain information using the sword.
With the exact number of home buyers, you can further tap their borrowing potential, and few people think that in fact, renovation can also be a credit business. Ordinary people don't know anything about decoration, they can use guò credit to control zhì decoration channels, feed a decoration team, and can also use guò credit exemption to obtain the right to use the house for a certain period of time, and transform the house into a short-term rental apartment, the specific exemption amount depends on the local rental market.
The reason why Boss Wang has the idea of renting the market is because when decorating, you can install a network smart lock for the house, which is perfectly embedded in the self-service short-term rental market, just like a completely self-organized maker youth hostel, the customized house has many self-service equipment at the beginning of the decoration, providing an excellent living experience, which is an upgraded version of the maker youth hostel.
Its project code name is "Yuelai", and the interior is called Yuelai short-term rental.
It's hard to imagine that the landlord will still want to share the room after two years (the renovation fee is generally waived for two years) and want to continue to share the room to fill the household.
Airbnb is a good thing, however, the user doesn't know what he's going to encounter, and the maker version of Airbnb is different, from identification to payment, to personal items, everything is available, almost like a professional hotel service, but at a much lower price.
Airbnb's response is also very slow, after all, it is not professional, while Yuelai Short-term Rentals provides hotel-like and timely service. Many of the hotels themselves are also converted into residential buildings, hundreds of them a night, and it is better to rent them for a short time, and the price is half cheaper.
In order to seize the market, Boss Wang innovatively replaced car theft insurance with consumer loans, because he was sure that the loss would be reduced to close to zero through high-tech means.
Still relying on TBB's nationwide WIFI network, you can track the car for a year without charging using a small piece of tracker hidden inside the body. And the price of this small piece of equipment for tracking cars is in the double digits, which is completely cost-effective.
In order to protect the owner's **, the insurance investigator will only open the recent driving record after reporting the crime with the ID card. This is a unique trick of Unicorn Bank, and it seems that it is a very wise decision to bring TBB into the company.
In the early days of unicorn banks, the focus was mainly on consumer credit, and in addition to buying houses and cars, the third focus was tourism consumer credit.
Travel consumption generally does not need credit, however, if there is an interest-free loan like a credit card, many people will still consider it, because tens of thousands of yuan, thousands of yuan in Yuebao still have interest, interest-free loans are equivalent to earning two months of interest. The issuance of travel credit can guide travelers to book rooms for short-term rentals and achieve the purpose of integrating resources.
Boss Wang's travel credit plan focuses on "non-shopping tourism", and will not allow tour guides to take tourists to black shops to spend, just like the fast barber shop focuses on "no card". It is estimated that it will also attract some travelers who are tired of shopping guides.
Travel credit can also be combined with car rental services, because of the emergence of H0, Wang Fang thinks that the car rental industry will also absorb a lot of production, why not?
Through Guò Unicorn Bank, Mr. Wang integrated transferable time deposits, decoration, renting, car purchase, theft insurance, and travel credit, which he believes can already allow this private bank to gain a foothold.