Is it feasible?

Absolutely. Pen, fun, pavilion www. biquge。 info

Although it is exploiting the loopholes of bank policy and national policy, although Chen Geng's idea is simply a disguised auto finance loan, but from any procedural point of view, there is no problem with this practice of Runhua Industry. Of course! As long as Runhua Industrial has obtained the business qualification granted by the state to engage in mortgage financial loans, then there will be no problem.

"In fact, even if there is no national policy permission, we can also engage in this 'rent and purchase'," Mr. Xie said with emotion: "The country has no laws and regulations in this regard, as long as we insist that this is the requirement for renting a car, no one can say anything...... I said, there is such a good way, why didn't you come up with it earlier? ”

As soon as he said this, Old Man Xie was angry: "If you had said this idea earlier, it wouldn't matter if the above approved our loan qualifications or not, right?" ”

Chen Geng was embarrassed to say that the reason why he didn't say it before was because he didn't think of this method, he laughed dryly, and Chen Geng said: "Didn't you think that we should try to be as legal as possible...... Well, even if that's not illegal. ”

Old man Xie couldn't sit still, he stood up all of a sudden, and said excitedly: "No, no, we must hold a dealer conference as soon as possible to tell everyone the good news, so that everyone can start preparing from now on......"

"Old man, don't be so anxious," Chen Geng cried and laughed and grabbed Old Man Xie: "Don't talk about anything else, first of all, our production capacity can't keep up now, how much to increase production capacity, how much can this 'rent and purchase' play a role in promoting sales, these must be accurately calculated, in addition to the determination of the down payment ratio, the profit sharing between us and the dealers, and the coordination of spare parts suppliers...... There are so many problems, these must be drawn up internally before we can notify the dealer, right? ”

“…… It's the same," was stopped by Chen Geng, Old Man Xie was finally a little less excited, he sighed softly and shook his head: "Alas, I'm too excited, although I don't know how big the actual promotion is, but I have a hunch that once our 'rent-to-buy' is officially launched, I'm afraid we will have to increase our production capacity by at least 50%." ”

"Who knows." Chen Geng said with a smile: "Old man, don't worry, I think it will be fast to launch this business at the end of next year, everything must fall into place, you don't have to worry, we are not in a hurry." ”

Saying this, Chen Geng actually really understands why Mr. Xie is so excited about his proposal of "renting and purchasing", the reason is very simple, the current automobile manufacturing industry is a proper profiteering industry, 50% of the down payment has actually reached the profit and loss line of Runhua Industry, thanks to the excellent management system and the spare parts supply system created by Chen Geng before, the production cost of Runhua Industry is only a little more than 50% of the retail price, and it is wholesaled to dealers at 80% of the market price. Dealers have a 20% profit if they sell at the manufacturer's guide price.

That's right, 30% of the gross profit, Runhua Industry's profit is so high, as long as you get 50%, and then get a part of the share of various handling fees - these handling fees still have to share part of the profit to the dealer, otherwise why do the dealers work hard to help you push "rent and purchase"? -- Runhua Industrial was basically able to break even, and then the principal and interest repaid every month by the group of people who took out loans to buy cars were the profits of Runhua Industrial and its dealers.

With such a big piece of fat, how could Old Man Xie not be in a hurry?

"I'm not in a hurry, I'm not in a hurry," Old Man Xie nodded again and again, but then, he smiled bitterly at Chen Geng: "I won't tell you, I'm really a little anxious." ”

"Oh?" Hearing what Old Man Xie said, Chen Geng didn't understand it a little, and his heart couldn't help jumping, couldn't it be that there was something wrong with the old man's body, right? Otherwise, he has no reason to rush at all. After hesitating for a moment, Chen Geng still couldn't hold back, it was really that Old Man Xie was too important to Runhua Industry, and he asked, "Old man, is there something wrong?" ”

"Something?" Old Man Xie blinked, with a blank expression: "What's wrong?" ”

"Your body ......" Chen Geng asked in a tone that did not irritate Old Man Xie as much as possible, "Is it ......?"

Without waiting for Chen Geng to finish speaking, Old Man Xie smiled, he already understood what Chen Geng meant. Waving his hand, Old Man Xie smiled: "It's not what you think, my body is very good, there are no problems, now I can eat and sleep, and it will be no problem to work for another 10 years." ”

"Really?" Chen Geng was full of doubts about Old Man Xie's words: "If your body is fine, then ......"

The smile on Old Man Xie's face disappeared, and after a while of silence, he sighed: "I'm almost 70 after all." ”

"......" Chen Geng didn't expect it to be this reason at all, the reason why Old Man Xie was so anxious was not because of his physical problems, but because he himself felt that he was getting older, and he couldn't wait for me. Chen Geng hurriedly comforted: "Old man, don't think so, it's almost 70 and 67 are two different things, and there is a difference of three years between them......

Without waiting for Chen Geng to finish speaking, Old Man Xie waved his hand: "Whether it's 67 or 70, my age is always here, right?" ”

Chen Geng hurriedly said: "We said ...... at the beginning."

"I know, I know, what we said at the beginning, as long as I am not old and confused, I can still do it, unless I feel tired, I will continue to work in the company," Old Man Xie smiled very happily: "According to my current physical state, I am ashamed to say that it is not a big problem for me to work until I am 75 years old, you child is angry, I know that you will not be able to drive away." But you won't drive me away, but I can't take the future of the company as a child's play, the company is what I brought to the present, in my eyes, the company is no different from my children. ”

It has been rare to see in recent years, and Mr. Xie's expression became serious: "I can't stay in my seat and not leave, just like a person's body needs metabolism, a company is also like this, I can't always let some old guys occupy the pit and not, I have already thought about it, I will work until I am 70 years old, at most 72 years old, I will go down from the front-line post, and when the time comes, I will mix with a consultant or something, continue to eat in the company, and take advantage of the past few years, I can also train a few more young people for the company......"

Chen Geng's heart was moved when he heard it!

Old Man Xie had never said these words to himself before, he understood that this was Old Man Xie taking this opportunity to show some of his plans and ideas for the future, pursed his lips, and Chen Geng said: "Old man, you ......"

"Listen to me," before Chen Geng finished speaking, Old Man Xie interrupted Chen Geng's words: "Although I can still work for another four or five years, even if I retire from the front-line post, I can still give you a check and give you a little reference, but seeing that you have paved the road so well, I just can't help but want to make the company's development faster and faster...... Do you remember what you told me? ”

What did I say? Chen Geng didn't react for a while: "What did I say?" ”

Old man Xie nodded: "You said that the golden time for the development of our company is less than 10 years, with the development of our country's economy and the continuous enhancement of the purchasing power of the people, at most 10 years, it is the time when foreign automobile companies enter our domestic automobile market in a big way, and then our life is not as good as it is now."

Counting with your fingers, there should be six or seven years from the period you said, these six or seven years is our most precious development time window, of course, it is how big the market can occupy in this time window, in your words, now is the time for us to stake the land, first occupy the territory. ”

Chen Geng couldn't help but be moved!

He did say this, and it was precisely because of this that he didn't dare to slack off in the slightest over the years, but Chen Geng didn't expect that he was urgent enough, and he didn't expect Old Man Xie to be even more urgent than himself.

Taking a deep breath, Chen Geng said: "You are right, now is our rare development window, but I am a little slack in speaking...... Good! In this case, let's put this 'rent-to-purchase' business online as soon as possible, and strive to carry out a small-scale pilot in the second half of this year." ”

Old Man Xie smiled very happily: "Let's think of a piece." ”

……………………

Mr. Xie really attached great importance to this matter, and in the following time, he put most of his energy on this matter, almost continuously negotiating, holding meetings and discussions with the sales department, purchasing department, and production department, according to Mr. Xie's words, that is, "try every means to reduce the cost by less than 50%".

According to the final calculated results, if Runhua Industrial increases the annual production capacity of 50,000 units, the overall cost of each car can indeed be less than 50% of the existing market guidance price: the detailed figure is 49.21%, and if the production capacity of 100,000 vehicles is increased, the cost can be reduced to 48.3% of the current market guidance price!

It is no wonder that Mr. Xie is so excited, in his opinion, as long as the "rent-to-buy" can be done, Runhua Industry will completely establish its position in the domestic automobile market: Lao Tzu is the boss, and even the North and South Volkswagen have to stand aside for Lao Tzu!

Mr. Xie is busy "renting and purchasing", Chen Geng is not idle, he is busy with the final inspection of the first batch of trial production wedding cars: as the guest of honor car for his wedding, it is also a product of Runhua Industry to impact the high-end market, and this car must not have any problems.

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PS: Brothers, I'm sorry, the millennium broke my promise, I couldn't complete the 3 more today, the next two weekends, the millennium has to take the child, there are only 2 more every day, this chapter that owes you is on Monday, although there is no character research anymore, but the millennium still says sorry to everyone again, I'm sorry, let everyone down.