Rebirth of the Cyber ​​Hegemony

Page 799

"of course it's true."

"You really want to dig me into your Huanyu Technology?"

"Otherwise, what am I doing here?"

"Brother, your appetite is too big."

Wu Haijun was forced.

He thought that Chen Yu came to him to discuss countermeasures.Unexpectedly, this is to dig him.

If it is an ordinary person, of course he will join Huanyu Technology every minute, what else should he consider.

Huanyu Technology's treatment has always been OK, and joining Huanyu Technology is a very correct choice.

But he is the founder of Shenzhou Computer.

A proper little BOSS in the IT world.

The outside world has heard of poaching people and poaching various professional managers, but when did the founder of the company also get poached?

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PS: Some readers called Dabai Jiageng in Dashen Shuo, I will go, I will know this trick.Okay, Dabai will do what he says, today is the third watch.There will be another chapter later.

Chapter 902: Payment Link, Credit Loan (add more)

"Chen Yu, you... what about our Shenzhou computer?"

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

"This is also simple. It can be merged into our Universal Computer. At the same time, Shenzhou Computer can still maintain an independent brand development."

This is Chen Yu's plan.

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

In the past, the two parties invested in the technology and cooperated with each other, but in fact, the two parties still maintain different operations.

Huanyu Technology sells Huanyu netbooks, and Shenzhou Company also 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 will be merged into one.

Shenzhou Computer can merge into Universal Computer at the current valuation and accept 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 a brand under the company.

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

Thus.

Chen Yu found a new head of the computer, and also did not let Wu Haijun lose the Shenzhou computer.

Of course, it makes sense, but the key is whether Wu Haijun is willing or not.

If it is an ordinary professional manager, of course he would.

But Wu Haijun is the founder of Shenzhou Computer, and he has also achieved great fame in the industry.

Of course, it doesn't matter if they are called brothers and sisters with Chen Yu. If it is merged into Universal Computer in the future, it will obviously be under Chen Yu.

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

Wu Haijun did not reply immediately.

In this regard, Chen Yu also felt normal.

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

Just like his Universal Technology.

If someone wants to buy them, he is not willing to kill them.

"Okay...Old Wu, this should be carefully considered."

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

Next, Chen Yu did not 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 want to come too, but I've been too busy. Now is the right time, so I took some time to chat with Mr. Liu."

"Chat... Hehe, Mr. Chen, you think it's as simple as chatting, nothing else?"

"Of course, I want to see if your Minsheng Bank has transferred our money away."

Chen Yu said jokingly.

After PayTongzhi launched the transfer business, the capital accounts of Huanyu E-Commerce were all stored in Minsheng Bank.

Don't think it's just a money transfer business, but because of the habits of users, there will be a lot of idle funds deposited at the same time as the money transfer.

Over and over again, under the deposits of thousands of users, Minsheng Bank has absorbed tens of billions of RMB in funds.

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

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

"Mr. Chen, look at what you said, you Minsheng Bank, you also hold shares in Minsheng Bank, and even sent directors to join our Minsheng Bank, Minsheng Bank is also your business, even if we want to transfer it, we will not How dare you."

"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 that he was too worried about their Minsheng Bank.

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

"What's the matter, you said."

"I want to ask, can Huanyu Technology start the loan business?"

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

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

"That's what you said."

Liu Yong understood what Chen Yu meant: "It's probably useless, you can't get a license."

According to the current policy, financial business and licenses will not be issued to private enterprises, nor will they be issued to private individuals.

As for Minsheng Bank, it is completely an exception.

Only after more than ten years in the future, when the policy is relaxed, can all kinds of civilian banking enterprises carry out credit business.

"How about working with Minsheng Bank?"

"That's fine."

Minsheng Bank naturally has a loan business.

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

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

"No."

"Then who do you want to loan the money to?"

"Lending to ordinary consumers."

"Ordinary consumer, individual?"

"It's a person."

"This business... can you talk 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 feels that this business is actually nothing to do.

"Let's put it that way."

Chen Yu explained: "Our Huanyu Technology has a lot of electronic products, such as mobile phones, pear series, computers, netbooks, etc. But these hardware products are relatively expensive, and some consumers can't afford them, so I decided to buy those products. For consumers who cannot afford it temporarily, we provide them with loans and let them pay in installments within one or two years."

"A loan to buy a computer or a mobile phone?"

"Yes."

"Mr. Chen, your brain is too big."

Liu Yong was stunned.

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

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

"Being forced by TSMC, Intel, and Samsung to join forces."

"I've heard some of this."

Liu Yong nodded his head.

There has been news about this industry.

Although Liu Yong is not from the IT field, 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 of them, it would be enough to drink a pot if these few join forces.

Even, if it is not for the strong strength of Huanyu Technology, ordinary enterprises may go bankrupt on the spot.

Unexpectedly, at such a time of great pressure, Chen Yu thought of a way to provide loans to ordinary consumers.

I have to say that this move is very clever.

As long as such a business is launched, it will bring huge sales to a series of electronic products under Universal Technology.

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

"Mr. Liu, is there a problem?"

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

"No collateral, my model is credit loan."

"Credit Loans?"

Liu Yong naturally knows about credit loans.

but……

Basically no bank dares to push such a business.

Even if there are some who dare to push, they are not just credit loans, they have to add a guarantor on the basis of credit loans.If there is no guarantor, then you take fixed assets as collateral.But even so, relying on guarantees alone has many risks, and banks are more willing to have low-mortgage loans.

This is actually the same as what Mr. Ma said in the previous life. The thinking of banks in the past 1000 years is completely still the thinking of pawnshops.

They will only give you a loan if you put something in the bank as collateral.

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

It's like buying a house with a mortgage.

Buying a home looks like a line of credit, but it's not at all.Although you can live in the house you bought, if the loan is not fully paid off, your house does not belong to you completely. In fact, it is still mortgaged in the bank.If you have no money to repay the house loan, the bank has the right to repossess your house and hold an auction.

The same goes for buying a car.

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

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

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

Of course, there are some that do not require GPS installation, but if you don’t pay back the car loan, they have a lot of means to take your car away, or take other methods to make you pay back the money.

These loans seem to have no collateral, but in fact they are all mortgaged.

The real credit loan, the bank will not lend you at all.