Rebirth of the Thousand-Faced Movie King

Chapter 357: Upgrading to level 9 appearance

"Chen Yu, you...what should we do with Shenzhou Computer?"

Seeing that Chen Yu didn't look like he was joking, Wu Haijun asked.

"This is also simple and can be integrated into our Huanyu Computer. At the same time, Shenzhou Computer can still maintain independent brand development."

This is Chen Yu's plan.

This plan looks the same as the previous collaboration, but it is not.

In the past, two parties contributed money and technology to cooperate, but in fact the two parties still maintained different operations.

Huanyu Technology sells Huanyu netbooks, and Shenzhou Company sells Shenzhou computers.

Although the two parties are cooperating, they are actually two companies operating, and the profits of their respective brands are handed over to their respective companies.

But now, the two families have to merge into one.

Shenzhou Computer can be merged into Universal Computer at its current valuation and receive new shares from Universal Computer.

In this way, the entire company is no longer independent of the two, but a brand new one.

Even Shenzhou Computer can still be sold, but it is just the operation of a brand under the company.

Although Wu Haijun will attach great importance to the development of Shenzhou Computer, he will also attach great importance to the development of Huanyu Computer as a whole.

Thus.

Even though Chen Yu found a new computer boss, Wu Haijun also didn't lose Shenzhou Computer.

Of course, it makes sense, but the key thing is whether Wu Haijun is willing.

If you are an ordinary professional manager, of course you are willing.

But Wu Haijun is the founder of Shenzhou Computer and has become famous in the industry.

Of course it doesn't matter if we are brothers to Chen Yu. If this company is merged into Huanyu Computer in the future, it will obviously be under Chen Yu.

"Chen Yu, I have to think about it carefully."

Wu Haijun did not reply immediately.

Chen Yu also felt normal about this.

If it were him, he wouldn't be able to respond so quickly.

Just like his Huanyu Technology.

If someone wanted to acquire them, he wouldn't even want to kill them.

"Okay...Old Wu, this is something we should think about carefully."

Chen Yu did not immediately ask Wu Haijun for an answer.

Next, Chen Yu worked non-stop. After leaving Shenzhou, he went to the headquarters of Minsheng Bank.

"Mr. Chen, you are a rare visitor. You haven't come to sit with me since the last board meeting."

"I wanted to come too, but I have been too busy. Now is the time, so I took some time to chat with Mr. Liu."

"Chat... Haha, Mr. Chen, would you like to just chat and nothing else?"

"Of course there is. I just want to see if your Minsheng Bank has transferred our money."

Chen Yu said jokingly.

After PayTong launched its transfer business, Huanyu E-commerce's capital accounts were all stored in Minsheng Bank.

Although this is just a transfer business, due to users' habits, a large amount of free funds will be stored while transferring money.

Over time, Minsheng Bank has absorbed tens of billions of RMB in funds from the deposits of tens of thousands of users.

This is equivalent to a sudden increase in deposits of tens of billions of yuan.

And, this has not stopped, he is still expanding with the expansion of e-commerce scale.

"Mr. Chen, look at what you said, what about your Minsheng Bank? You also hold shares in Minsheng Bank, and you also sent directors to our Minsheng Bank. Minsheng Bank is also your business. Even if we want to withdraw, we can't. How brave."

"Besides, even if you are not a shareholder of Minsheng Bank, we don't dare to transfer users' funds at will."

Liu Yong scolded Chen Yu and said he was too worried about Minsheng Bank.

"Hahaha, Mr. Liu, I am joking. However, there is one thing I want to talk to Mr. Liu about."

"What's the matter? Tell me."

"I would like to ask, can our Huanyu Technology carry out loan business?"

"Loan, Chen Yu, your Huanyu Technology is short of money again?"

"No, I mean, we lend money to people."

"That's what you're talking about."

Liu Yong finally understood what Chen Yu meant: "It's probably no good. You won't be able to get the license."

According to current policies, financial businesses and licenses will not be issued to private enterprises or private individuals.

As for Minsheng Bank, it is completely an exception.

Only when policies are liberalized in the next ten years or so will all kinds of PBOC enterprises be able to carry out credit business.

"What about cooperation with China Minsheng Bank?"

"That's fine."

Minsheng Bank naturally has loan business.

Huanyu Technology can't do it, but cooperation with Minsheng Bank can promote this area.

However, Liu Yonghao was a little strange: "Do you, Huanyu Technology, want to enter the financial field?"

"no."

"Who do you want to lend the money to?"

"Lending to ordinary consumers."

"Ordinary consumers, individuals?"

"It's a human being."

"This business...can you tell me more about it in detail?"

Liu Yong was a little confused about what Chen Yu meant, so he was going to ask for more details.

Although he felt that there was nothing going on in this business.

"Let's put it this way."

Chen Yu explained: "We at Huanyu Technology have many electronic products, such as mobile phones, Pear series, computers, netbooks... but these hardware products are relatively expensive, and some consumers cannot afford them, so I decided to For consumers who cannot afford it temporarily, we provide them with loans and allow them to pay in installments within one or two years.”

"Loan to buy a computer or a mobile phone?"

"Yes."

"Mr. Chen, you are too big-headed."

Liu Yong was stunned.

He has been working in finance for so long, but he has never thought of such a business.

"Mr. Chen, how did you come up with this business?"

"They were forced to do nothing by the combination of TSMC, Intel, and Samsung."

"I've heard a little bit about this."

Liu Yonghao nodded.

There is already news in this industry.

Although Liu Yonghao is not from the IT industry, he is familiar with such news.

And through his analysis, he can be sure that Huanyu Technology is definitely under tremendous pressure.

This is also normal.

If it were any one family, if these families join forces, it would be enough to drink a pot.

In fact, if Huanyu Technology were not strong, ordinary companies might go bankrupt on the spot.

Unexpectedly, at a time of such tremendous pressure, Chen Yu actually thought of a way to provide loan services to ordinary consumers.

I have to say, this move was very clever.

As long as this kind of business is launched, it will bring huge sales to a series of electronic products owned by Huanyu Technology.

However, after listening to Chen Yu's introduction, Liu Yonghao frowned again.

"Mr. Liu, do you have any questions?"

"There are indeed problems. For example, the risk issue here. Have you ever thought about what would be used as collateral for loans to ordinary consumers?"

"No mortgage required, my model is a credit loan."

"Credit Loans?"

Liu Yong naturally knows about credit loans.

but……

Basically no bank dares to promote this kind of business.

Even if there are some who dare to recommend it, they are not just a credit loan, they have to add a guarantor on top of the credit loan. If there is no guarantor, then you use fixed assets as collateral. But even so, there are many risks associated with just relying on guarantees, and banks are more willing to have low-collateral loans.

This is actually in line with what Mr. Ma said in his previous life, that the thinking of banks in the past thousand years or so was still completely pawnshop thinking.

Only if you put something in the bank as collateral will they give you a loan.

If not, then sorry, the bank will not lend to you.

It's like buying a house and taking out a mortgage.

Buying a house may seem like a credit loan, but it is not at all. Although the house you bought can be lived in by yourself, if the loan has not been fully paid off, your house does not completely belong to you. In fact, it is still mortgaged in the bank. If you don't have the money to repay your home loan, the bank has the right to repossess your house and put it up for auction.

The same goes for buying a car.

Although the car bought with a loan can be driven home, the car bought with a loan is equipped with GPS positioning.

In other words, wherever your car goes, the bank will know it.

Once you don't repay your car loan, they will send someone to drive your car away based on the GPS location.

Of course, there are some that do not force you to install a GPS, but if you don’t repay your car loan, they have many ways to take your car away, or use other methods to make you repay the money.

These loans may appear to be unsecured, but in fact they are all secured.

For real credit loans, banks will never lend to you.

obviously.

When Chen Yu talked about credit loans, Liu Yong was even less optimistic about it.

"Mr. Chen, I think this business is really risky. Although, this business is indeed good news for consumers. Many people will not be able to afford computers for a while, but he can pay in installments and increase Your sales volume. However, you are all ordinary people. Ordinary people do not have a mortgage, so they have no credit. What will you do if they do not pay back the money? "

The reason why banks do not engage in credit loans is that the risks involved are too great.

How can ordinary people have any credibility?

In their eyes, how much is credit worth?

I don’t know how many people sacrifice their credit for money.

This is not just a loan from a bank, it is also a loan between friends.

As a popular saying goes, it is the grandson who borrows money, and the uncle who pays it back.

You didn't serve me well, so I paid you a shitty amount of money.

Banks obviously don’t want to leave such risks to themselves because it will increase the rate of bad debts.

At the same time, it has become extremely troublesome for them to recover the money.

It's okay to have more money, but the bank can file a lawsuit to force you to pay back the money.

What should I do if I have less money?

The credit loan that Chen Yu can get is only a few thousand yuan at most. Why go to court for a few thousand yuan?

And it's not just one person or two people. If there is a breach of contract in the future, there may be tens of thousands or hundreds of thousands of people.

Which bank has so much energy to litigate with tens of thousands or hundreds of thousands of people?

But Chen Yu didn't think so.

Seeing Liu Yong's refusal, Chen Yu said: "That's why we want the two companies to cooperate. Otherwise, you can just engage in loan business. It doesn't matter if you want us, Huanyu Technology."

"Mr. Chen, credit loans are really risky. I suggest you don't do it."

Seeing that Chen Yu did not listen to the advice, Liu Yonghao said again.

"Mr. Liu, I know the risks involved, but what if we have the means to control the risks?"

“Means to control risks, what means?”

"Mr. Liu, don't forget our Alipay."

Chen Yu said with a smile: "PayTong is not just a payment tool, it is also a credit system.

"Credit system?"

Liu Yong was stunned for a moment: "How do you say this?"

"Mr. Liu, our Paytm was first used as a third-party guarantee. Buyers were afraid that the seller would not deliver the goods after buying something, and sellers were afraid that the buyer would not pay after the goods were shipped. So our Paytm was launched. The purpose is to provide guarantees to buyers and sellers. In this way, both buyers and sellers can feel at ease."

"I understand this. I have to say that your payment channel is very innovative, and it also makes e-commerce possible."

"So, it is precisely because Paytong plays a guarantee role that it has the characteristics of credit when it was first established. This makes both buyers and sellers trust us, so our Paytong is promoted. And Nowadays, Paytm is used more and more widely, and we have also established a user credit system through Paytm."

"This system judges a person's credit rating based on the user's buying and selling behavior, financial status, etc. The higher the credit score, the stronger his ability to fulfill the contract. At the same time, through his credit score, we can also achieve The purpose of risk control.”

Chen Yu's explanation made Liu Yonghao give a thumbs up: "Awesome, Mr. Chen, how did you come up with the credit system?"

Although their credit business has not started yet. But if Huanyu Technology's payment pass is used as a judgment of contract performance, then there is no doubt that such a business will be feasible. If a consumer is ready to take out a loan, he or she can take a look at his credit score. If the credit score is not reached, then his performance ability is relatively low and the loan can be refused. If the credit score is sufficient, it means that he has a strong ability to repay the loan, and the business is completed.

Although it cannot be said that credit scores can completely eliminate bad debts, with such an audit, the entire loan business will be much safer.

"We are forced out by the market. We commercial companies are not like your banks. You are customers begging for loans, we are begging customers to buy things and consume. You don't have to worry about running out of business at all. If we don't The business would have to close down and go bankrupt...so we came up with this idea.”

"Mr. Chen, from what you said, it sounds like our bank is making huge profits."

Liu Yong scolded Chen Yu in a funny way.

However, although Chen Yu's words are not so objective, the truth is correct.

Why don't their banks engage in credit loan business?

Is it because they have no money?

Not at all.

They just don't want money to go wrong.

Of course, they can also think of some ways to reduce the bad debt rate.

For example, they can also develop a credit system.

However, because banks don't have to worry about running out of business, they won't even think in this direction.

"Mr. Liu, what's going on? With my credit system, can we still do this business?"

"Yes, of course we can."

Liu Yonghao nodded with satisfaction this time.

Although such a business may seem small, it is not.

Think about how many people buy mobile phones, computers, and various electronic devices?

Even if it costs a few hundred or more than a thousand yuan per person, it adds up to a lot.

Moreover, with the credit guarantee provided by Huanyu Technology’s payment channel, the bad debt rate is not non-existent, but it can definitely be reduced to a safe level.

Minsheng Bank would definitely welcome such a business.

There is another problem here. Not everyone has a Paytm account.

It doesn't matter.

Huanyu Technology cannot do everyone’s business.

As long as there are a group of people working on Alipay, this business will be extremely large.

In fact, the number of users of Chen Yu’s PayTong business is already considerable.

In order to promote PayTong back then, Chen Yu tied the PayTong business to Internet cafe management software.

The Internet cafe management account is actually a payment account, and users can also shop online through the Internet cafe.

It should be said that as long as you can surf the Internet, basically everyone has a Paytm account.

"In that case, it's settled. I will send someone to contact Minsheng Bank for the specific operational details."

"no problem."

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