Chen Geng briefly introduced the situation to Vice President Zhang: "To put it simply, if consumers can't get so much money in their hands for a while, but they want to buy a car, they can first pay a certain percentage of the down payment, and then use their own income as a guarantee -- this income must be stable and controllable, such as the staff of state-owned enterprises and government departments -- to buy in installment loans, which can be one-year, two-year, or three-year ......."

"That's not right," Vice President Zhang suddenly interrupted Chen Geng's words, frowned, and said, "I heard that it seems that your company has an installment business?" ”

"Yes, that's right," Chen Geng nodded: "But this is supported by our company's own finances, in fact, this has caused a lot of pressure on our company's finances, my idea is to learn the installment payment business of Western car sales companies, and we Runhua Industrial has set up a motor vehicle financial service company here, and at the same time cooperates with banks." Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 ｉｎｆｏ”

Vice President Zhang immediately understood!

Although Chen Geng's words are extremely brief, he is also the vice president of a state-owned enterprise, and he still has a good understanding of the installment payment business that is prevalent in Western society, and knows that this extremely common consumption method has penetrated into all aspects of social life, whether it is to buy a house, buy a car, buy an appliance or buy production equipment, you can use this installment payment method.

Of course, the main reason why the installment business is so popular in the West is that this financial method has achieved a win-win situation between consumers, enterprises and banks, consumers have achieved their goals with a small amount of money, enterprises have sold their products, expanded their sales scope, and banks have made money by taking advantage of the opportunity to lend.

Although our country has not yet popularized this way of consumption, in fact, it has been implemented in the industrial field, for example, if an enterprise wants to purchase a certain production equipment but has no money in hand, it will apply for a loan from the bank with the production equipment that is about to be bought as collateral, which is a kind of installment business, but this method does not penetrate into all aspects of ordinary people's lives like Western society, and has not yet benefited ordinary people.

Runhua Industry wants to promote car loans in the field of automobiles and motorcycles, in fact, it is very normal, the current domestic economic level determines the purchasing power of the whole society can only be said to this extent, Runhua Industry wants to expand sales is almost impossible, the reason is very simple, the purchasing power of the whole person is so large, even if Runhua Industry produces it, it cannot be sold.

But there is no doubt about one thing, that is, there are still many people in society who lack financial resources but want to buy motorcycles and cars for various reasons, such as young people who want to get married and want to own a motorcycle, or small factory owners who want to buy a car to promote the development of their own businesses...... It's just that their financial situation limits their purchasing power, but if there is a financial channel to provide them with funds, it is possible for Runhua Industrial's potential consumer base to expand by 50 percent, 100 percent, or even 1,000 percent all at once.

Vice President Zhang's eyes rolled, and he felt that this was a good opportunity to bargain with Chen Geng: "This is busy...... Tsk, brother, you're embarrassing me, this ......"

"Really?" Chen Geng smiled: "Vice President Zhang feels very embarrassed? ”

"This is not just a matter of embarrassment, but our country has never had such a precedent," Vice President Zhang frowned and said: "And our country's economy is relatively overheated now, and this method of spending tomorrow's money to do today's things is not consistent with the central government's practice of cooling the economy......

"Well, forget it."

"Huh?" Vice President Zhang was instantly confused: What is the situation? Shouldn't Chen Geng be trying hard to beg himself to help him with this, why did he become indifferent?

"I don't like to owe favors to others," Chen Geng's face was indifferent: "I thought this was a matter of our AVIC Corporation's words, but now it seems that I thought it was all bad, and this requirement is a bit difficult for our AVIC Corporation, so forget it." ”

“……”

Vice President Zhang wanted to scold his mother:! This is different from what is written in the script, the normal logic should not be that I say that I am embarrassed, and then you say that as long as you are willing to help, I will do something? , you kid doesn't play cards according to the rules.

But Chen Geng's light breeze made Vice President Zhang a little waxy!

This matter is difficult to say, but it can be said to be simple, in fact, it is just when Runhua Industrial put forward an application, AVIC helped to say a word on the side, but with this sentence, the aero engine manufacturing and R&D units under AVIC can use the Il-76-LL aero engine air test platform of Runhua Industrial for free, and AVIC has made a lot of money, but now it is good, because of itself, the free platform is useless.

Realizing this, Vice President Zhang was anxious: "Don't mind, brother, I didn't say that I can't help this matter, brother, can I not help you, who are we with whom?" I mean...... Meaning...... It means that this is a bit tricky, and we have to plan carefully. ”

"Oh, it turns out that I want to plan well," looking at Vice President Zhang, who was respectful in front of him, Chen Gengqiang couldn't help but smile and nodded: "But I misunderstood you, I'm sorry, brother, I'll apologize to you first." ”

"No, no," Vice President Zhang hurriedly waved his hand, to be honest, he was sincere in his heart: "But this matter...... Brother, I'll be honest, you have to say hello to the bank first, I see the practice in foreign countries, don't financial companies cooperate with banks? How to ensure that the loan lent out can be recovered is a big problem.

Also, there are no laws and regulations in our country on motor vehicle financial loans, so if you really plan to engage in this thing......

Speaking of this, Vice President Zhang couldn't help but have a difficult look on his face.

Chen Geng can understand why he has such an expression, our country's first auto finance company: SAIC-GM Automobile Finance Co., Ltd. was established in 2004, and China's first law on auto finance "Auto Finance Company Management Measures" was officially promulgated and implemented in October 2003, that is to say, after the "Auto Finance Company Management Measures" was officially promulgated, the state officially allowed the emergence of financial companies.

Of course, in the past few years, the market is not without the existence of auto finance companies and auto consumer loans, but these loans are obvious, and the market is extremely chaotic, the introduction of the "auto finance company management measures", itself is also to rectify the auto finance market.

Chen Geng smiled, Vice President Zhang was also kind-hearted, he nodded and said: "I have thought about what you said, I mean, for the time being, we will cooperate with the bank to promote the country's legislation in this regard." ”

"it!" Vice President Zhang's eyes widened: "Brother, you are also bold, right?" ”

Where did he still not understand what Chen Geng meant? Chen Geng is clearly planning to do it secretly in private, this is a big @trouble!

It's okay for a smaller-scale private enterprise to play like this, but a small company with a big nose, as long as it's done well below, and it's a little more low-key, no one will care.

Foreign-funded enterprises play no problem, as long as they are low-key and make a fortune in a muffled voice, no one will offend foreign companies for such a small profit, but state-owned enterprises are absolutely impossible, for private enterprises and foreign-funded enterprises, it is "the law does not prohibit it", but for state-owned enterprises, it is "the law does not allow it", although Runhua Industry is not a pure state-owned enterprise, but it can't be so arrogant, right?

"As long as the law doesn't explicitly prohibit it, there's nothing that can't be done, right?" Chen Geng said with a smile: "If the state finds that there is a problem with this, it will either prohibit it or introduce a law to regulate it, but I believe that the banking system should be quite happy to cooperate with us." ”

Vice President Zhang rolled his eyes when he heard it: Isn't this nonsense, don't say too much, even if the most demanding down payment plan is 50:50, even if 50,000 consumers choose to use car loans to buy cars in a year, the bank can also get a loan of 50 billion, with the current three-year loan interest rate of about 10%, the bank's annual gross profit is also 500 million.

500 million!

On the basis of the previous one, there are 500 million more!

And unlike those local governments and state-owned enterprises that refuse to repay the money after borrowing money, these car buyers are all high-quality loan resources.

Take 10,000 steps back and say, even if these people can't repay the loan, the bank can still get the car back, and when the time comes, the car will be auctioned, and the money from the sale of the car will be guaranteed to exceed the loan lent by the bank.

Thinking of this, Vice President Zhang was a little envious of Chen Geng: "Although I said that, but brother, you are a little bold?" And what bank has such guts? ”

………………………………

Vice President Zhang felt that the bank might not dare to agree to cooperate with Chen Geng, but he far underestimated the courage of the banking system, and after hearing Chen Geng say his thoughts, Shen Daqing's eyes turned green: "Brother, you're not joking with me?!" ”

Chen Geng smiled and said, "Brother Shen, it's not been a day or two since the two of us met, when do you think I joked with you?" ”

"Huh...... That's ......."

"If you have money, everyone will make money together," Chen Geng smiled, and then said: "I'll be honest, this is a big piece of fat, we have been cooperating for so many years, I must give priority to cooperating with our Bank of China, but it doesn't seem to be a matter if there is a benefit and not to share it with the big guys......"

"That's it." Shen Daqing reacted immediately, such a big piece of fat, not to mention whether the Bank of China can eat it, even if it can be eaten, if you can, you will have to choke and roll your eyes, and you have to provoke the dissatisfaction of several other banks......

Without waiting for Shen Daqing to finish speaking, Chen Geng continued: "The problem now is that our country does not have laws and regulations on auto finance and loan products, so what specific way should this loan be promoted, when the above asks, when the villain with red eyes makes it bad, what should we do, these are all questions, we have to consider and understand." ”

"Make it bad? Who dares to make it bad? Ya is not afraid of dying! Before Chen Geng's words were finished, Shen Daqing's eyes were red: "Hmph, really when our bank is a soft persimmon, anyone can come up and knead two handfuls?" Brother, don't worry, my brother will let you know that our bank is not easy to bully! ”

As the president of the Haizhou branch of the Bank of China, Shen Daqing is keenly aware of what Chen Geng's proposal means for the bank: this not only means at least 5 billion yuan of loans and at least 5 billion gross profits per year, but also means that the annual net profit will not be less than 4 billion!

More importantly, it means that the banking system can openly reject loans from some rogue state-owned enterprises and local governments that they have borrowed and have no intention of repaying - the banks have no money in their hands, and we have all lent out the money.

Get rich!

Earn a fortune!

The only problem is that the total amount of this fund is too large, at least thirty or forty billion yuan a year, or sixty or seventy billion yuan a year, which is enough money for the entire Jiangnan branch of the Bank of China to look up to -- in fact, the entire Jiangnan branch of the Bank of China may not be able to get 5 billion yuan.

Chen Geng smiled and nodded.

Shen Daqing was not ambiguous at all, he just did what he said, picked up the phone and called the other three of the four major state-owned banks in Haizhou, as well as China Merchants Bank, Bank of Communications, and the Post and Telecommunications Bureau,...... Everything is said, come if you like, don't cry when you don't come, I can tell you, after this village, there will be no more this shop...... Through ** news? Come on, who made our brothers have a good relationship, I can't say more, I'll just say a little, today's matter has something to do with Runhua Industry. ”

Now who doesn't know that Runhua Industry is the God of Wealth of the entire Jiangnan Provincial Banking System? Who doesn't know that Shen Daqing and Chen Geng are almost wearing a pair of pants? With Shen Daqing's words, the other six banks in Haizhou rushed over like a gust of wind.

When they entered the door, they saw Chen Geng and Shen Daqing who were smiling and groaning, and everyone immediately shouted: "Old Shen, Brother Chen, what are you doing?" Good guy, I'm going to break this leg. ”

――――――――――――――――――――

Now who doesn't know that Runhua Industry is the God of Wealth of the entire Jiangnan Provincial Banking System? Who doesn't know that Shen Daqing and Chen Geng are almost wearing a pair of pants? With Shen Daqing's words, the other six banks in Haizhou rushed over like a gust of wind.

When they entered the door, they saw Chen Geng and Shen Daqing who were smiling and groaning, and everyone immediately shouted: "Old Shen, Brother Chen, what are you doing?" Good guy, I'm going to break this leg. ”