Guan Huang had read a book before, "The Innovator's Dilemma", which mentioned the theory of disruptive innovation.

For a small business to disrupt a large company, it should be good at leveraging disruptive new technologies, providing differentiated product experiences, and finding its own market segment. Only in this way can you gain your foothold at an early stage.

Large companies can't take care of it for the time being, or don't notice this segment, the founders are able to really sell good products, and in the end, this product begins to dominate and monopolize this segment.

Of course, the process is not simple.

Now that there is a hegemon like Meituan in the group buying market, it will definitely be a dead end if you go directly to it.

The other party can survive in the "Thousand Regiments Battle" and eventually become the winner, and the horror can be imagined.

Starting from the market segment of takeaway and avoiding direct competition, there is still a certain degree of feasibility, and it is by no means whimsical.

"Guan Guan, when will you talk to Ma Jun?"

"In the next two days, I will prepare the materials first."

"Okay."

Guan Huang saw that Hu Lili wanted to speak and stopped, and comforted: "Don't worry, it's definitely okay, Ma Jun doesn't want me to take too many shares, but such a small company attaches too much importance to shares, and it's useless." ”

Fighting for this thing will inevitably be ridiculed as "rookies pecking each other".

Hu Lili nodded, "I know, Ban Hua sent a message and asked me where I am?" What should I say? ”

Guan Huang: "Tell me the truth, ask her if she is free in the afternoon?" Accompany me to do some shopping? ”

Hu Lili thought that the two of them were progressing so fast, so she sent out the message casually:

"I'm talking to Guan Guan about something, and he asked you to go shopping in the afternoon."

Ban Hua: "Oh, what kind of street?" ”

"Shopping, whether to go or not, not to go, I pushed it."

Ban Hua: "It's okay anyway, it's okay to go around, you accompany me." ”

"Why am I with you? Guan Guan didn't ask me out again. ”

Ban Hua: "Hao Lili, you have nothing to do, stay with me." ”

"Okay, okay", after replying to the message, Hu Lili raised her head, "Ban Hua agreed, but I have to accompany you." ”

Guan Huang nodded, "Okay, let's go now." ”

The three of them walked around together, and finally Guan Huang bought a laptop and a mobile phone.

Because there are more and more online businesses, it is no longer convenient to go to Internet cafes, and the need for laptops is on the agenda.

For him at present, although there is no big money, there is no shortage of small money, which is very different from the previous embarrassment.

"Brother."

Guan Huang was fiddling with the computer in the house, and looked up at Su Pengfei, the first brother of the old acquaintance with the school loan.

Others either go to self-study or go to an Internet café, and the dormitories are empty.

"Brother Su, have you thought about it? To be honest, I don't lack your money now, and you know that I have been doing a lot of business recently, and I still have a little money. ”

Guan Huang said casually and straight to the point.

Seeing this, Su Pengfei didn't care at all, although he was a loan shark, he was not an underworld, and it didn't matter if his attitude was good or not.

As long as it's profitable, it's okay to call your dad.

"That is, I knew that Brother Guan was not an ordinary person, before Hu Rui and they asked me to vote, I said that this is not too outlandish, the president of a debate association, what is it, I am naturally Brother Guan."

Guan Huang was a little surprised, Meng Zikun and a few of them were not idle, and they moved so fast?

"It's all up to Brother Su to raise you, and when the election is over, everyone will sit together, and they are all friends."

The debating association has a bit of a status in the school, and the president has to be elected, and if it is another garbage club, it can be decided at a meeting.

Su Pengfei: "It's easy to say, after my boss found out about my brother, he was always very curious, saying that he had time to come out and sit. ”

"That's so polite, by the way, Brother Su, come over today ......"

Su Pengfei smiled all over his face, "After listening to your suggestion last time, I went back and carefully studied this online loan, it was really not simple, it was very inspiring." ”

Guan Huang turned on the computer, "What's the matter, ready to transform online?" ”

Su Pengfei hurriedly waved his hand, "It's a joke, it's a joke, we have this strength." To do an online loan, I'm afraid I don't know how to die. ”

Guan Huang snorted.

Although he has a lot of low-cost online loans in his mind, he will not do this kind of black thing to help loan sharks transform.

Online loans......

He borrowed an online loan himself because he could afford this consequence, and many people couldn't afford it.

Su Pengfei continued, "We don't know what the company's leaders think, but the boss specially told me that if my brother needs money, we will never say anything and support it." ”

"Oh?"

Finally hearing a useful message, Guan Huang raised his head and looked at him, "What's the matter, the long-term loan has been approved?" ”

"No, no", Su Pengfei hurriedly shook his head,

"But brother, don't be disappointed, if you borrow it, you can relax it to one year."

Guan Huang doesn't care if it's real or fake, as long as he can borrow money, he asked with interest, "How much?" ”

"100,000 is no problem, no matter how high it is, you need a mortgage."

Guan Huang was a little disappointed, this usury was too cautious, there were so many performances, there was foresight (the theory of school loans), there was practice (wool), and in the end he only gave 100,000 yuan.

This is not the days when I was just reborn, I didn't have a penny, and I was stumped by the hero.

The current 100,000 yuan is not too important for me.

But it's better than nothing.

"What do you say about interest?"

Su Pengfei smiled dryly, "We are a regular business, and it definitely does not exceed 24% of the national regulations." ”

Guan Huang didn't hesitate, "That's okay, then let's borrow 100,000 first." ”

When Su Pengfei heard this, he was a little hesitant.

"What's wrong? What's the difficulty? ”

Su Pengfei said, "No, no, 100,000 yuan will arrive in the account soon, but it's just ......."

"What?"

"Brother Guan used the money so quickly, did he make any big moves?"

Guan Huang looked at him and didn't speak.

Su Pengfei hurriedly said, "Brother, don't get me wrong, what I mean is that as long as my brother has a reliable project, there is no need for any mortgage, and the amount of the loan can be negotiated." ”

"Oh, I'm a high-level treatment,"

Su Pengfei smiled and said, "Brother Guan has a good eye, as we all know, please take care of it in the future, we don't lack money." ”

Guan Huang thought that the other party should not only be a loan shark, there was a misunderstanding before, looking at the current situation, he may also do a little financial management project, and even have something to do with venture capital companies.

After all, there is too much money in the Chinese people, and there are not many investment channels, either depositing in the bank or buying wealth management, and there is almost no gap.

The main reason why illegal fund-raising by the private sector is high and frequent is that the money has nowhere to go, either to the stock market, the housing market, or to crime, either being deceived or being fooled.

"What a coincidence that you're here, I have an idea, how much is it worth?"