Go back to 1990 to start a business

After finishing the meal, Liu Yonghao said goodbye knowingly and left. After all, Xia Chuan had just come back.

Xia Chuan sat down again, the table had been cleared, and Osmanthus poured tea. Sure enough, he felt a bit like a master, which was completely different from the feeling of being poured by his mother.

Shi Yun and others wanted to hear what he had to say about Osmanthus fragrans, but Xia Chuan said: "Old Liu said that insurance is the best financing channel. Sister, what do you think?"

The three people immediately understood that they could not talk about Osmanthus fragrans now. It seemed that the problem was quite complicated.

Shiyun smiled and said, "I think you're right. If you want to open an insurance company, just open one. How can I stop you?"

She thought Xia Chuan was going to take money from her account, so she immediately expressed her stance.

Xia Chuan shook his head and said: "I will never run an insurance company. It is just a trick to deceive the people. It raises 100 million employees without paying wages and brainwashes them every day. If one person does insurance, the whole family is shameless. Isn't this the same as pyramid schemes? Almost?

Moreover, since we have banks, we don’t need to open up financing channels.I'm just saying that insurance is not the best source of financing. "

"Then what is the best financing channel?" Shiyun's eyes lit up.

"Some people are already doing it. There is a Mulan Group in Feng City, and the owner is Sun Feng. There is a Guomei Group in Yanjing, and the owner is Huang Guangyu. Have you heard of it?" Xia Chuan asked.

Chu Anning immediately said: "I know that there is a 'Guomei Home Appliances Mall' in Yanjing. The home appliances they sell are cheaper than any other store, and they are in the form of a chain store. This has never happened before in a home appliance chain. I don't know how Mulan did it. What happened?"

"Mulan is also a home appliance chain, and it's a nationwide chain. It has opened up markets in twelve big cities, which is much better than Gome. Sun Feng started his business with 87 yuan in 4000, and his assets in 92 were 6 million. Think about it. What level do you think this person is?

And as a private enterprise, it is even more difficult for him to obtain listing qualifications.Huang Guangyu's Guomei, its sales in 92 were only 2.5 million, and its assets were even less, which was incomparable to Sun Feng.

But for the 'thing' they do, it's not reasonable to calculate assets, only sales are important.

Huang Guangyu lags behind just because he started late, and there is no question of who is imitating whom.They also saw through the essence and regarded home appliances as a financing channel. "

Xia Chuan's long talk was like discussing heroes over wine.

Shiyun and the others already understood, but Guihua asked confusedly: "Why? You don't need to give the money from selling home appliances to the merchant?"

Xia Chuan clapped his hands and smiled approvingly: "That's right, Osmanthus fragrans has made progress again."

Osmanthus's cheeks immediately turned red, and Shiyun and the others were thoughtful, they were really cultivating Osmanthus.

"In the first half of 90, color TVs were still purchased with tickets and were in short supply. However, the more profitable the industry, the more capital it attracted.

Subsequently, hundreds of color TV production lines were introduced across the country, resulting in the current overproduction of color TVs.

This is a good thing for the people.

Brutal competition has caused various manufacturers to desperately reduce costs and improve quality. The prices have dropped again and again, and then they have developed small household appliances in other fields, and the products will become more and more abundant.

But the threshold for this industry is very low, and no one has a moat. The home appliance industry is doomed to be a battle in the Red Sea.

Sun Feng and Huang Guangyu saw the opportunity here.

Imagine this kind of fierce competition. Huangguangyu goes to the manufacturer and says, I will sell you appliances, but I will keep you for half a year. After the sale, you will be deposited for half a year. Of course, you will not be paid to pick up the goods, and you have to give it to me. Delivered.

Do you think home appliance companies will agree?

Must agree.If you don't agree with others, you'll be killed.

As a home appliance chain, as long as you continue to expand, the half-year repayment time is up, and more new funds will come in, such as color TVs, refrigerators, washing machines, air conditioners, rice cookers...the funds accumulated in your hands will become larger and larger, with billions accumulated. Tens of billions are normal.

Just imagine, what is the cost of financing now? 20.00% interest is still low.

This is where the real profits of home appliance chains lie.Even if you do nothing with the 100 billion and directly provide financing to others, you will still make money.

Huang Guangyu is currently limited in scale and does not have enough voice. When he becomes the number one in the industry, he will not need to make money from home appliances at all. A color TV that costs 2000 yuan can be sold for 1999."

Everyone was shocked when they heard this, and they lost money to make the company bigger, which completely subverted their thinking.

Xia Chuan knew, however, that Huang Guangyu later became known as the 'Price Butcher', relying on selling home appliances at a loss, and became the boss of the industry. The bosses of the entire home appliance company were all grandsons in front of him.

How awesome is he?He just pointed at the home appliance giant's nose and said, "I can't sell the color TV set worth more than 4000 yuan you produced. Give me a color TV set worth 1999 yuan and I'll sell it for [-]."

They all bowed their heads and tried their best to meet his request.

We can't lower the quality. Even if Huang Baldou doesn't criticize us, customers will stand in the mall and tell us who will buy it.

The heroic Sister Dong, who would become an all-powerful strong woman in the future, was so angry that he cried: You are such a bully, I don’t need you anymore, I will open my own chain store!

Therefore, ordinary people can use such cheap home appliances, thanks to Huangguangyu.

Xia Chuan lamented: "With big capital, there are many investments that earn more than 50.00% annually, such as real estate, or directly investing in land, which are all huge profits. There is no shortage of opportunities to make money, but there is a lack of funds.

So Sun Feng turned to a home appliance chain, and Huang Guangyu started out as a home appliance chain. Others increased prices by 5.00%, but he only added 2.5%, and achieved sales of [-] million that year..."

Tang Wu asked: "Then where did he get his starting money?"

Xia Chuan smiled and said: "Bank loan. Isn't it ridiculous?"

Shiyun and the others didn't find it ridiculous. Except for Xia Chuan's consulting firm, all other start-up funds came from bank loans.

Of course, I wouldn’t dare to go big.

If any big boss is unhappy and wants to cut off the head of capitalism, all he needs to do is have the bank suddenly withdraw funds, and Xia Chuan will be killed immediately, leaving no room for reasoning.

Therefore, Xia Chuan started out in industries with abundant cash flow, such as beverages and health care products.

Guihua asked puzzledly: "Didn't you say that banks don't give loans to private enterprises? I understand that you can lend them, but Huang Guangyu definitely doesn't have your prestige, so how can he lend them?"

Xia Chuan sighed: "Following the rules will definitely not lend you money. People who do great things must know when to break the rules. But if you can't break the rules every day, you will be close to death."

Huang Guangyu's approach was simple and direct. He didn't attack from above, but started directly from below, and slept with a female loan officer in the bank. "

Everyone laughed and really started from below.

"Well, it's not just a simple sleep. She's a hard-core sleeper. I'll probably get married in two years. By the way, that woman's name is Du Juan. She's a bit like the sweet-scented osmanthus. They're both flowers. They can be picked." Xia Chuan said with a smile.

Shiyun glared at him, and Xia Chuan quickly became serious.

Osmanthus's cheeks were slightly red, and she said weakly: "I won't let anyone pick it, except on the day I get married."

"Don't worry, I will arrange it for you if you find someone suitable. Just be a maid and let you enter the bridal chamber. You don't have to think about anything. If you think too much, you will be anxious." Xia Chuan said forcefully.

Shiyun and the other three laughed loudly, Guihua's cheeks turned red due to embarrassment, but she meekly acquiesced.