Comeback 1992

Consumers' tastes are fed, and things will become difficult to sell in the future.

Of course, Han Songlin definitely didn't say that about the last one.

Instead, it changed to a high-end statement: "We can't sell immature technology to consumers, and we can't let consumers pay for our immaturity. First, we will do a good job in the basic class of Furui cars, and then we will , and then add a little bit of function, if one matures, we will add one, and we Furui Automobile will be a truly trustworthy automobile manufacturing enterprise for the people.”

There are too many functions on a car, which is actually not good.

What is the car with the lowest failure rate?

For cars with few functions, especially those with few electronic functions, more cars use mechanical transmission.

why?

Because this type of car has been developed for many years, various technologies have become extremely mature.

Furui Automobile finalized the basic version of Furui VI in January.

The basic version of the car all adopts now very mature technology.

Therefore, during the test, the performance was quite excellent, and the failure rate was extremely low. Anyway, after running a test in China, it came back smoothly.

I have been to the north, and the performance is quite good.

In addition to the basic version, in April, the problem of electric windows was finally solved, so another premium version was created.

As for the sunroof, the problem of water leakage is still not completely resolved, so there is no official launch.

Han Songlin didn't stay long in Yanghe. After the inspection, he went back to Jiangzhong. A few days later, he went to Changxing Machine Tool to have a look.

The current production of Changxing machine tools is mainly supported by the old machine tools before. In addition, the newly developed automatic machine tools also maintain a certain market share in the market.

Especially in the machine tool market in Jiangzhong.

Changxing Machine Tool has introduced a new policy, that is, the factory will take its own machine tools back to use first, and can pay in installments, or even zero down payment.

Of course, installment payments must require certain interest and the like.

In this way, a large part of the financial pressure of setting up the factory was actually transferred to Changxing Machine Tool.

This is undoubtedly a very attractive thing for many small factories.

Chapter 479 The Chance of Controlling a Bank

At the beginning, this policy was only implemented in the middle of the river, and then gradually spread to other places, such as the Pearl River Delta and the Yangtze River Delta where Huaguo's economy is most active today.Many private factories just want to expand production now, but suffer from lack of funds.

Looking for a bank loan?

Well, the bank simply depends on the people to order; now, following the normal process, it is difficult for private enterprises to obtain loans from banks; especially for small and medium-sized private enterprises in the early stages of development, the difficulty is even greater.

Not everyone who runs a business is like Han Songlin. He knows that if he wants to get a loan from a bank, he only needs to get a specific person.

Therefore, the installment of machine tools launched by Changxing Machine Tool, with zero down payment, quickly opened up the market for Changxing Machine Tool.

Changxing Machine Tool is able to launch such an installment payment business. To a large extent, it puts a lot of pressure on its own funds.

Without gold and silver, I really can't afford it.

But Changxing Machine Tool has the support of Xinghai Group behind it, so the capital to start this business is not large.

At this moment, Han Songlin's attention began to shift to one thing.

Bank!

The installment payment business model created by Changxing Machine Tool under Han Songlin's intervention has indeed played a considerable role in promoting the development of Changxing Machine Tool.

But for Xinghai Group, there is a little pressure. Xinghai Group has now assumed the role of a bank. In essence, it is providing loans to enterprises in disguise.

This is really not normal.

Therefore, Han Songlin wants to transfer this business to the bank.

It can be transferred to the bank, but the bank must be able to pick it up.

After going around and around, Han Songlin's eyes fell on People's Bank, the only bank in China where private capital holds a majority stake.

People's Bank was officially established in January 96, and Xinghai Group holds 5.00% of the shares of People's Bank.

In the past, Han Songlin didn't pay much attention to People's Bank; Xinghai Group had a good relationship with the four major banks, and they didn't need People's Bank at all.

To put it bluntly, the reason for buying shares in People's Bank is very simple. Han Songlin knew that People's Bank had a particularly good future development prospect, so he let Xinghai Group take a stake.

After Xinghai Group became a shareholder, it did not participate in the management of People's Bank, and directly entrusted the voting rights to Jin Shuping, the chairman of the bank.

The Xinghai Group has a very low sense of presence in the People's Bank, and does not send people to attend the board of directors, let alone obtain loans from the People's Bank.

Even apart from being a shareholder of People's Bank, there is no intersection with People's Bank in terms of business.

The People's Bank was established to solve the loan problem of private enterprises, so the People's Bank has a lot of shareholder-related loans.

The problem of bank related loans is not only serious in domestic banks, but also in foreign countries.

It's just that we have more contacts with domestic banks and know more about them.

The four major banks' loans to state-owned enterprises, in fact, are strictly related to this kind of loans.Otherwise, how did the so-called technical bankruptcy of the four major banks come about at the end of the 90s.

Private enterprises that can become shareholders of People's Bank belong to the super powerful group in China at this time.

Otherwise, there is no qualification to participate in the shares at all.

Han Songlin flipped the calendar lightly, with a smile on his lips. There is not much time left before the Asian financial crisis.

There are 60 (formerly 59) sponsoring shareholders of People's Bank, including 49 (formerly 48) private enterprises.

It can be said that People's Bank will have several shareholding disputes in the future, and it is called a bank where the people are in dire straits, because the shareholding is too scattered and there is no absolute major shareholder.

Who is the current head of private enterprises who is not rebellious?Therefore, the dispute over the equity of People's Bank is inevitable.

Han Songlin now wants to become the absolute controlling shareholder of People's Bank, but he really can't, because there is an agreement that a single shareholder's shareholding ratio cannot exceed [-]%.

Of course, this is a small problem. Everyone has already learned about things like wearing more vests.

Next year, at most the year after!

Among these 48 private enterprises, in the face of the economic crisis and their own business problems, how many enterprises will fail?

State-owned enterprises will go bankrupt, why don't these 48 private enterprises go bankrupt?

In fact, compared with state-owned enterprises, private enterprises are even worse in terms of operational stability.

There are bound to be many companies with poor operating conditions, so Xinghai Group can take the opportunity to initiate a premium acquisition of the shares of People's Bank in the hands of these private companies. I believe these companies will not refuse.

Cash in hand, save your company, or just have fun, it doesn't matter.

Han Songlin looked at the list of shareholders of People's Bank of China. In this list, there is also Crouching Tiger, Hidden Dragon!

Because of the installment business of Changxing Machine Tool, Han Songlin suddenly wanted to control a bank, and the current choice is the People's Bank, and in the past two years, there will be good opportunities.

Therefore, Han Songlin is not in a hurry about this matter now.

Let's wait a while.

Sometimes, many things don't need to be done too much, just wait, and the goal will be achieved naturally.

The premise is to be patient.

It's good to find the best opportunity to start.

At the beginning of December, Xu Lu came to Jiangzhong.

Han Songlin received her at home.

During the meal, Xu Lu took the initiative to talk about the matter of CCTV's bid for the king.

After winning two consecutive bids, Fuller was defeated in the competition for the third bid.

Biao Wang was taken down by a winery in Dongshan Province, and that winery was called Qin Chi.

Han Songlin was quite surprised when he heard the news.

Really, quite a surprise.

History really has such a strong revision?

In other words, Qin Chi's management is so optimistic about CCTV's advertising effect?

They don't have the mentality of going all out, turning a bicycle into a motorcycle, fighting hard, and driving directly into a car, right?

Han Songlin remembered this winery, which left a strong mark in the commercial history of Huaguo.

A winery supported entirely by advertising.

Its prosperity is also vigorous, and its death is also sudden; like a meteor, it streaks across the sky for everyone to see; it also falls to death as quickly as a meteor, which makes people sigh.

Han Songlin: "A lot of Qin Chi's original wine is bought in Shuchuan, right?"

Xu Lu said strangely: "The wineries all over the country buy wine in Shuchuan. Is there any problem?"

Han Songlin smiled slightly: "This is an open secret in the industry, and everyone doesn't think there is any problem at all. But for consumers, this is not the case."

Xu Lu opened her mouth, the truth is really the same.

"Without this bidder, it will be a big test for Fuller Wine Industry."

Xu Lu: "We, Fuller Wines, do not rely on standard kings to make a living, we rely on product quality."

That said, it's not bad.

Chapter 480

"Now our original wine is generally stored for less than a year before it can be bottled and sold. In the future, we will have to store it for three to five years before we start filling and selling it." The longer the original wine is stored, the better the quality of the wine. will get better.

Good wine is saved; baijiu is the least afraid of saving.

"In that case, the financial pressure on us will be quite great."

Think about it, tens of thousands of tons of raw wine are stored in wine tanks, all of which are money.

Worth at least one billion.

If it is true that the wine must be stored for several years before being sold, the wine tanks in the factory area may maintain a storage capacity of [-] tons of original wine for a long time.

Billions of funds are all put there.

We all know that money has to be circulated to be able to generate benefits. It is obviously unrealistic to store so much money here for several years.

Han Songlin thought of a business that wineries will often use in the future, pledge!

It is to directly pledge the liquor in stock to the bank, and use the funds obtained to do other investment business.

When you want to use this wine, you are redeeming it.

For banks, the risk of engaging in liquor pledge, especially this kind of famous liquor pledge, is very small.

So I would be willing to do it.

"Then pledge the wine to the bank. The money we get can be used for investment or something. Before, we may have been a little conservative in our business strategy."

Xu Lu stared at Han Songlin with wide eyes. The previous business strategy was still conservative?

If other people hear it, I'm afraid they are going to hit someone.

In the dead of night, Xu Lu was lying on the bed alone, thinking about Fuller Wine and the historical development of Xinghai Group.

Then compare it with other domestic companies.

It was found that it was too radical in terms of operation.

Han Songlin thought of the economic crisis, which has little impact on China as a whole, but refers to the development trend, which has a greater impact on certain industries: "By the way, the company has to reserve some spare funds."

"This year, will there be a dividend?" Xu Lu came to Jiangzhong, and wanted to ask Han Songlin, whether Fuller Wine will pay dividends or not this year.

Han Songlin looked at Xu Lu, pondering slightly; Fuller Wine is now a listed company, and many employees in Xinghai Group hold shares in Fuller Wine.

Xu Lu is naturally no exception.

Han Songlin: "What do you think?"

"No dividends."

"Oh why?"

Xu Lu: "Instead of using the money for dividends, I would rather use the money to complete our hotel plan."

In the capital city, Xu Lu has already negotiated with the capital city, and will invest [-] billion to build a five-star garden-style hotel.

Garden-style hotels are still a novelty in Huaguo at this time.

In the minds of people at this time, a hotel should be a square building, and a hotel with high-rise buildings in Europe is called a hotel.