life copy game.

Chapter 697 Consortium
The top floor of Kaya City Nolanka Building
"As I said before, you can make decisions about these things yourself. I sent you there because I value your drive to do things without hesitation. Don't look forward and backward, and do it boldly,"

Lena, who had permed wavy hair and was still wearing a white shirt and hip-wrapping skirt, rubbed the center of her brows, then she put her hand on the office doorknob and continued,
"The chain supermarkets won't let them in, so we will bypass them and walk through the districts south of Wetland first. It is impossible for all the supermarkets and chain convenience stores to be taken care of by the Kaijet Group, so let's do it with a sinking heart.

"Fix those small supermarkets first, and then find a way to open up the online channels. Follow what we discussed before, and do it step by step. If it doesn't work out, we'll come back and discuss it. That's it."

After finishing speaking, she hung up the phone directly, rubbed the space between her eyebrows again, took a deep breath, turned the doorknob, pushed open the office door, and looked into the office, "Secretary Danilo, I just got off the airship, A bit late..."

Because of security reasons, she has a very good relationship with Old Danny, but the private relationship is a private relationship. On formal occasions, her address is still very formal.

However, she didn't finish her slightly apologetic words, and she froze in place.

At this moment, in the board secretary's office, the board secretary Danny is in front of the coffee machine against the wall, with his back to her, and seems to be making coffee. On the sofa beside him, there is a tall and handsome young man sitting.

The other party was holding a cup of steaming coffee in his hand, and was looking up at Lena who opened the door and came in.

There was a gentle smile on his resolute cheek, "Long time no see."

Lina looked at the familiar but slightly profiled face, and was a little absent-minded for a moment. For some reason, her heart gradually calmed down.

The boredom and helplessness that had accumulated in her heart gradually dissipated under this sentence of 'long time no see', like clouds blown away by the spring breeze.

The man has always had this silent, soothing power.

A faint smile also appeared on her cheeks, she walked into the office slowly, and responded, "Long time no see."

"Want a cup of coffee?"

At this time, Old Danny also turned around, smiled and handed the brewed coffee to Lena.

"Thank you."

Lina was stunned for a moment, then took the coffee.

Naturally, He Ao was sitting on the sofa. He took a sip of coffee, glanced at Danny, then at Lena, "Sit, we happened to talk about you just now."

"what?"

Lina took advantage of the opportunity to sit on the side of the sofa, and was taken aback when she heard He Ao's words.

"Danny said that you took part in the development of food, how is it over there?"

He Ao put the coffee on the table and asked softly.

"not so good,"

Hearing this sentence, Lina came back to her senses and explained slowly, "To be precise, it's very bad."

Along with this question, those troubled thoughts came to her mind again.

But looking at He Ao's calm gaze, the anxiety in her heart gradually subsided. She took a sip of coffee, sorted out her thoughts, and continued,

"During your 'sleeping' period, we have made breakthroughs in some grain industry technologies, and developed some products such as synthetic steaks with better taste. These products are not only sold in Kaya City, but also sold to some other city ​​of,

"Because our prices are relatively low, relying on relatively high-quality 'cost-effectiveness', these products have made breakthroughs in some cities and seized a part of the market share."

"but,"

Her tone paused, "These products were boycotted by the grain industry monopoly alliance. Although we joined this alliance immediately after we started grain production, our voice is far inferior to the two giants of the alliance, Moshanto and Kejet.

"Especially the Kaijiete Group, they are emerging grain industry giants, they are very domineering, and immediately 'sniped' us when they found out that we were trying to enter the grain industry.

"First of all, they communicated with all the supermarkets and convenience stores that they supply, and through coercion and inducement, they banned these supermarkets and convenience stores from putting our products on the shelves.

"Then, they launched several competing products for several of our better products, and fought a price war with us. The price of several products was even lower than the cost of raw materials, even if their own farms And the raw materials from the factory, it is impossible to reduce the cost so low."

"So they are posting money to fight a price war with us, trying to squeeze us to death?"

He Ao took a sip of coffee and continued to ask.

"Yes,"

Lina nodded, "This is a method that Kejet often uses. They have squeezed their peers over the years, basically spending money on subsidizing price wars, spending money on big announcements, and then squeezing all their peers to death, and then directly Raise the price much higher than the original level, relying on technological advantages and monopoly position to make a lot of profits."

This kind of competitive operation is actually very common in the Federation, especially when large consortiums suppress emerging small businesses.

Large consortiums will lower the price of specific competing products, relying on large-scale cost advantages, and first test the price to a lower bottom line. If the competition cannot be killed, the consortium headquarters will conduct a subsidized price war to bring the price to the cost line the following.

Strictly speaking, this is actually a financial operation.

In addition to technical advantages, the subsidy price war is more about whose capital is stronger, which is more advantageous for large consortiums with large capital.

Unless it is another big consortium that ends up, small businesses with a little climate will basically be swept away by this set.

To put it bluntly, this has been separated from the pros and cons of the product itself, and it is time to invest in capital.

Of course, this kind of battle is still valid for the Nolanka Group, a large cross-industry consortium.

Usually, a large consortium outside the industry that is new to the industry will get a slap in the face from the original large consortium in the industry, and fight a war that may hurt the muscles and bones.

This war will be fought until both sides are injured, and one side can't bear it and is forced to negotiate a peace.

Either the new company survives, and the original old alliance chooses to retreat and form a new monopoly alliance with the new company.

Either new businesses are simply driven out of the industry.

Of course, no matter what the outcome of this kind of battle is, the monopoly alliance will raise prices substantially in the end, and it must also ensure a certain amount of profit in order to make up for the previous losses.

However, under normal circumstances, this kind of painful price war will only start when the new enterprise is slightly threatened. After all, once this kind of battle starts, it will cause a lot of losses and the investment cost is too high.

With the current market share of Nolanka Group, it should not have touched the red line of the industry.

Kaijiete Group is now starting to snipe and fight price wars, which is actually a bit extreme.

"Kajet Group is a young consortium after all. It is domineering, sharp-edged, like a mad dog, so it seems that it is not easy to mess with and will not attract the siege of other consortiums, although it is true that it is too mad in the market. , so as to make too many enemies.”

He Ao calmly summed up the current situation, "However, this kind of obstacle is also inevitable for our development. The Kaijiete Group is just the beginning."

"Yes,"

Lina also nodded. She looked at He Ao and said softly, "It's not just the Kaijiete Group. As we further enter the grain industry, Moshanto and the original grain industry consortium will definitely join in. With our The current cash flow will most likely not be able to support this kind of battle."

"Danny, what is the food self-sufficiency rate in Kaya City now?"

He Ao looked at Danny who was beside him.

"Master Wei'an, after two years of development, we now have almost 80% of our food self-sufficiency."

Danny replied slowly.

"What if Rock City and Limen City are counted?"

Ho asked further.

“The self-sufficiency rate is less than 40%,”

Danny looked at He Ao and continued,
"Currently, we have not only met the sniping of the Kaijiete Group, but also encountered bottlenecks in food production technology, and the three cities of Kaya, Rock, and Limen are not suitable for food production, and there are not enough grain factories. To supply this much food, we need a dedicated food production base."

"I see,"

He Ao nodded slightly, thought for a moment, and continued to ask, "How about the medical side?"

“Venus Medical College is doing very well now,”

Danny said,
"The first batch of one-year medical school trainees have entered Qiming Medical College in Kaya, Limen, Rock and Chenxi for internship.

"Except for some underground doctors who were already practicing medicine, most of them are young people who have just entered school. After a year of intensive study, they can't do much surgery, but under the leadership of old doctors, they can treat some headaches and colds. Minor illnesses are okay.
"Of course, as you said before, the school also taught them a lot of knowledge about health care. When they treat diseases, they will also teach patients some basic health care knowledge."

"What about medical prices?"

He Ao then asked, "Is there a lot of patients in the hospital?"

"According to the previous arrangement, we registered a 'Pate-Qiming Charity Foundation', which will donate money to subsidize the hospital, and then reduce the price of the outpatient service in the name of subsidy,"

Danny replied, "The hospital attracts a lot of people without medical insurance. Many people in Chenxi City take the bus for several hours, and they have to go to Qiming Hospital to see a doctor across districts. Basically, the number of intern doctors is full every day. .”

Doctors are an industry that requires a lot of experience. They see a lot of patients and come into contact with various difficult and miscellaneous diseases. Coupled with learning, these intern doctors can grow up quickly.

New doctors will become old doctors, and old doctors can lead new doctors.

In any case, although it can be expected that the road ahead will be difficult, the first step has finally been made.

"What does the medical consortium say?"

How asked.

The Nolanka Group had just sold a little food, and it was attacked by the Kaijiete Group. The medical consortium was more affected, and they would not be unresponsive.

Moreover, Qiming Hospital has also reduced the price of medical treatment. Although it is a detour in the form of subsidies from charitable foundations, it is just a good look, and the major consortiums are well aware of it.

"The medical consortium alliance is still poaching our doctors, trying to limit our doctors' qualifications to practice medicine, and controlling the sale of our drugs."

Danny explained,
"However, these actions have not affected us too much so far.
"One is Qunxing Pharmaceutical and Huiermei Medical Consortium, the leaders of the medical consortium alliance. For some unknown reason, major negative incidents broke out in the past year, which seriously affected the public image, so they are very careful in doing things. , not particularly excessive.

"Because of the setbacks of the two major consortiums, many small consortiums in the medical consortium alliance are also trying to take advantage of the market share of the two Big Macs to see if they can bite off a piece of meat, so they have no time to take care of us.

"The second is that Kristos' medical reform started a wave of medical reform. At present, there are medical reform bills similar to Chenxi City being implemented in major cities, and even the federal parliament has rumors of medical reform bills.
"So, as you expected before, apart from infighting, the medical consortium alliance's main goal is to focus on the medical reform bill of Christos and Chenxi City.

"The above two reasons make us now have a better development environment, but this environment should not last for too long."

He Ao nodded after listening to Danny's analysis.

Overall, the current situation has not exceeded his previous estimates.

Christos blocked the front, attracting a lot of attention and firepower, giving the Nolanka Group a chance to develop.

"What about industry?"

he continued to ask.

Nolanka Group itself is an industrial group, and Kaya City is an industrial city.

Industry is the foundation of Nolanka Group.

"The funds obtained from financial operations before have been fully invested in the expansion of reproduction,"

Speaking of the main business, Danny straightened his back slowly, "We have opened many factories during this time, and now Kaya City has rarely seen purely unemployed homeless people.

"And after Limen City was merged into our market, many of the original backlog products have also found a market, and the cash flow brought by the export of these products has further enabled us to further expand our production capacity.

"And the first batch of employees who were hired at the earliest have gradually gained stable income and have better expectations for the future. They are also more willing to spend more money and have more money to consume. Now the backlog of products is getting less and less. We Cash flow is becoming healthy."

To put it simply, the plate is rolled up and can start to rotate by inertia, which is not as difficult as it was at the beginning.

"Um,"

He Ao nodded, raised his bracelet, flipped through the summary document that Eve sent him when he just woke up, and asked thoughtfully, "But I found that the recovery of consumption seems to be lower than expected? We sent It seems that not much of the wages that go out are used for consumption?"

This is not a good situation. In the case of insufficient consumption and the inability to open up new markets, it will still lead to tight cash flow of the group and a backlog of products.

When He Ao asked this question, Danny looked at Lena.

Obviously, this is a problem within Lena's responsibility.

The most important task He Ao gave to Lina at the beginning was to let her be in charge of publicity. Propaganda is not only to convey the meaning of the group to the bottom, but also to collect the situation from the bottom to the top.

"Because of debt,"

Lina nodded and said softly, "Most employees of the group, especially the former unemployed employees, are more or less burdened with a large amount of debt from financial companies.

"Take credit cards as an example. Credit card companies use various installment policies and various handling fees to cover up their real interest rates. The annualized interest rates of most of the federal credit cards are above 16%. Most grassroots enterprise employees can borrow money. The interest rate of the medical installment loan is more than 20%, and the interest rate of the medical installment loan is often higher.

"The current federal loan interest rate is linked to the user's credit rating. The higher the user's credit rating, the lower the interest rate, and the lower the credit rating, the higher the interest rate.

"The operating rules of financial companies are to lend money to rich people who can afford it, while poor people who can't afford it need to pay more interest if they want to borrow the same money. .

"As for those former unemployed vagabond workers, after losing their jobs, their credit ratings are the lowest, so their loan interest is the highest. Most employees' bank loan interest can basically reach 36% or even higher.

"Also, no matter how many low-interest loans they've taken out, they'll end up with high-interest debt.

"Because even if they had debts with relatively low interest rates before, but as they lost their jobs and could not repay their debts when they matured, they still had to borrow high-interest debts to repay low-interest debts and use debts to support debts. In the end, all Debt is high interest.

"In fact, many of our employees have been liquidated, but the federal bankruptcy law does not mean that individuals do not have to pay their debts after bankruptcy.

"After they go bankrupt, they just enter the stage of bankruptcy protection. After the auction of all the properties, the remaining monthly income is allowed to leave a part of the money for living every month, and the money beyond this amount will be transferred away. used to pay off debts.

"Of course, there are also some employees who choose to roll over their debts, in exchange for lower debt repayments with higher interest and longer debt maturities.

"When they are wandering, they naturally don't care about these things, after all, they have no income, and they don't care about debt interest.

"But when they are employed by Nolanca Group and try to start their lives again, these debts can seriously hinder and limit their lives.

"A debtor who bears an annualized interest rate of 36%, a large part of their income will be used to repay the bank's debt, and a large part of this debt is the interest of the bank. Many people The repayment interest of the current month will even be much higher than the principal repayment of the current month.”

Lina looked at He Ao, "As you said in the book of Professor Ben Searle that you once showed me, a large part of the fruits of labor of those employees was taken away by the financial company in the form of 'interest' and became a financial company. profit,
"And after they are taken away from the fruits of their labor, their disposable income will decrease, which will lead to a decline in purchasing power, and the recovery of consumption will naturally not be as expected."

"What's your solution?"

He Ao looked at the two people in front of him, and he knew that they must have prepared a solution.

"The solution with the lowest cost is to wait. When everyone's debts are paid off bit by bit, the disposable money will naturally increase."

Lena replied.

"Time is a good medicine," He Ao nodded lightly, "but we may not have more time."

"There is a way,"

Lina hesitated for a moment, and said slowly, "Through Nolanka Bank's preferential loans for group employees, they will replace their original high-interest loans with low-interest loans, so that most of the interest taken away from them can be reserved for the employees of the group. They, and can also roll over debts to increase short-term consumption capacity.

"This can liberate part of the consumption. We tried it in Kaya City for a while before, and the effect is very good."

She paused, "But doing this requires a lot of cash flow. This behavior is actually using our money to pay the financial companies that issue loans, although after the first month passes, the money will gradually return. , but in order to achieve good results, a large amount of capital is required for early start-up.

"And our cash flow is running low."

"Summarize,"

He Ao looked at Lina and smiled, "We are short of money. We need money to solve the problem of food development, and we need money to alleviate consumption congestion and continue to promote industrial development. Our problem is that we have no money."

Although it may be possible to grind slowly without money, He Ao doesn't know if the Nolanka Group still has so much time to develop.

"Ah."

Lena nodded.

She stared at He Ao's smile, and for some reason, she always felt that some consortium would be in trouble.

He Ao picked up the cold coffee, took a sip, and looked at Danny, "Danny, is Mr. Faith back?"

"It should be here."

Danny glanced at the time on his wristband.

Fez is the B-rank leader of the Nolanka mercenary group.

He Ao got up slowly, "Let's go see him."

　Ask for a ticket for the super large chapter.

　　I wrote a lot and stayed up a little bit late, but it is still updated at night, good night everyone.

　　
　
(End of this chapter)