Ressurring Network Controversy

"Chen Yu, you ... What should we do with our Shenzhou computer?"

Looking at Chen Yu is not like kidding, Wu Navy asked.

"This is also simple, you can incorporate our Huanyu computer, and at the same time, Shenzhou Computer can still maintain an independent brand."

This is Chen Yu's program.

This program looks like the previous cooperation, but the fact is not the same.

It was previously two parties to fund two parties in cooperation, but in fact, both are still different operations.

Huanyu technology is selling online, and Shenzhou companies sell it is Shenzhou computer.

Although the two parties are cooperation, they are actually in operation, and their own brand profits are given to their respective companies.

But now, two are incorporated into a family.

Shenzhou computer can take the current valuation and enter the ring computer and accept the new shares of Huanyu Computer.

In this way, the entire company is no longer independent, but a new family.

I am afraid that the Shenzhou computer can still sell, but it is just the operation of the company's brand.

Although Wu Navy will pay attention to the development of Shenzhou Computer, it will pay attention to the development of the entire Huanyu computer.

Thus.

Chen Yu found a new computer handleman, and did not let Wu Navy lost the Shenzhou computer.

Of course, the truth says, but the key is that Wu Navy is willing to be unwilling.

If it is a general professional manager, then of course willing.

The Wu Navy is the founder of the Shenzhou computer, and in the industry, it also broke the famous name.

And Chen Yu said that the brothers of the brothers did not matter, the future, this is incorporated into the ring computer, which is obviously under Chen Yu.

"Chen Yu, I have to consider it."

Wu Navy did not reply the first time.

In this regard, Chen Yu also feels normal.

By he is him, he can't make a response so soon.

As his Huanyu Technology.

If someone wants to acquire them, they are not willing to kill him.

"Line ... old Wu, this is what it should be considered."

Chen Yu did not immediately asked Wu Navy to give an answer.

Next, Chen Yuma did not stop, after leaving Shenzhou, he went to the People's Liven Bank Headquarters.

"Master, you are a thin, after the last board, you have not come to me here."

"I also want to come, but I have been too busy. This will just take some time to find Liu's chat."

"Chat ... Oh, Chen Hao, you will chat so simple, do n'thing else?"

"Of course, I want to see it. Do you have our money to take us?"

Chen Yu said with a joke.

After paying the transfer service, the capital account of Huanyu e-commerce has existed the Bank of Minsheng Bank.

Don't see this is just the transfer business, but because the user's habits, there will be a lot of idle to capital storage while transferring.

As soon as in the deposit of thousands of users, Minsheng Bank has absorbed funds for tens of millions of RMB.

This is equivalent to a sudden growth of billions of money deposits.

And, this has not stopped, and he is still expanding as the scale of e-commerce is expanded.

"Mr. Chen, see what you said, what kind of people are also holding the shares of Minsheng Bank, and also sent a directors to our livelihood banks, and the people's livelihood Bank is also your business, we don't want to take it, we don't have This gallbladder. "

"Again, even if you are not shareholders of Minsheng Bank, we don't dare to scratch the funds of users."

Liu Yong said Chen Yu said that he is too relieved in their livelihood banks.

"Hahaha, Liu, I am joking. However, there is a thing to talk to Liu."

"What is, you said."

"I want to ask, can our Huanyu technology can carry out loan business?"

"Loan, Chen Yu, your Huanyu technology is lacking?"

"No, I said, our loan gives others."

"What you said is this."

Liu Yong understood Chen Yu's meaning: "It is estimated that there is no play, you can't get a license."

According to the current policies, financial services and licensing will not send private companies, nor will they be sent to private.

As for the Minsheng Bank, it is entirely an exception.

Only after the next ten years later, the policy is released, and all kinds of civil and civil bank enterprises can carry out credit business.

"What is the work of Minsheng Bank?"

"This is ok."

Minsheng Bank naturally has loan business.

Huanyu technology can't come, and cooperate with Minsheng Bank to advance this piece.

However, Liu Yong has some strange: "Your Huanyu technology wants to enter the financial sector?"

"No."

"Who do you want to make money?"

"Loan to ordinary consumers."

"Ordinary consumers, personal?"

"Is there a person."

"This business ... can I talk about?"

Liu Yong, there are some things that can't do it, Chen Yu means, ready to ask for details.

Although he feels that it is actually nothing to do.

"Let's say it."

Chen Yu explained: "Our Huanyu technology has many electronic products, such as mobile phones, pears series, computers, netbooks ... this. But this hardware product is more expensive, there are some consumers can't afford, so I decided to those Consumers who can't afford to pay for them, give them loan services, let them pay for one year or within two years. "

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

"Yes."

"Chen, your brain is too big."

Liu Yong is so eye-catching.

He is finished for so long, and he has never thought about such a business.

"Chen, how do you think of this business?"

"Benevitated by Taiwan Power, Intel, Samsung they join hands and no way."

"I have heard some."

Liu Yong got some heads.

This industry already has outgoing messages.

Although Liu Yong is not an IT world, such news he is familiar.

And through his analysis, he can affirm that Huanyu technology has a huge pressure.

This is normal.

Changed to any one, and it is joined by these fewers, it is also enough to drink a pot.

Even if it is not the strength of Huanyu technology, the general enterprise is abolished on the spot.

Unexpectedly, when such a huge pressure, Chen Yu actually thought of the method of providing loan business to ordinary consumers.

I have to say that this chess is very wonderful.

As long as this business is pushed out, this will bring huge sales to a series of electronic products under Huanyu Technology.

However, after listening to Chen Yusu, Liu Yong wrinkled.

"Liu, is there a problem?"

"There is really a problem, for example, have you ever thought about this, have you been loan to ordinary consumer?"

"No mortgage, my model is credit loan."

"Credit Loans?"

This piece of credit loan is naturally known.

but……

Such a business is basically no bank dare to push.

Even if there are some dare to push, they are not only credit loans, and they have to add a guarantor on the basis of credit loans. If there is no guarantor, then you will make a fixed asset to mortgage. But if it is, it is only a lot of risks with guarantees, and banks are more willing to have a low loan.

This is actually talking to the teacher of the former Horses, and the bank has been in the past a thousand years of thinking.

You only have something to put in the bank to make mortgages, they will give you loans.

If not, that is embarrassed, the bank will not loan it.

This is like buying a house for mortgage.

Buying a house seems to be credit loans, but it is actually not. Although the house you bought can live, but if there is no completely clear loan, your house is not completely you, in fact, he is mortgage in the bank. If you don't have money to return to the house loan, the bank has the right to recover your house and for auction.

As for the buying car.

Although the loan bought the car can drive home, the car bought by the loan is equipped with GPS positioning.

In other words, your car is open to anywhere, and banks know.

One, you don't pay back the car loan, they directly send people to the GPS positioning to drive your car away.

Of course, there are some don't force GPS, but if you don't pay off, they have means to take your car away, or take other ways to make you pay back.

Some loans seem to have no mortgage, but in fact they have made mortgages.

Real credit loans, banks will not be loaned at all.

obviously.

Chen Yu said the credit loan, Liu Yong is not optimistic.

"Mr. Chen, I think this business is much more risks. Although this business is a good news for consumers. Many people can buy a computer in a while, he can pay in installments, increase Your sales. However, you are ordinary people, ordinary people don't mortgage, they have no credit. One but they don't pay attention, what do you do? "

The reason why the bank does not engage in credit loans is that there is too much risks in this.

Where there is any credit saying in ordinary people.

In their eyes, a credit value?

I don't know how many people went to my credit for money.

This is not just a bank loan, which is the same as borrowing between friends.

As a sentence circulating in reality, the grandson borrowing money is the grandfather.

You didn't wait for your grandfather, and gave you a fart.

Banks obviously don't want to leave such a risk to yourself because this will increase bad accounts.

At the same time, they have become incomparable to recover.

Money is more good, banks can fight the lawsuit for forcing you.

What should I do if I do?

Chen Yu's credit loans will also have thousands of dollars, some or even hundreds of pieces, for thousands of pieces of hundreds of dollars to fight the lawsuit?

And it is not a person who two people. If it is breach of contract in the future, there are hundreds of thousands of people.

Which bank has such a big energy to fight with tens of thousands of people?

However, Chen Yu doesn't think so.

Seeing Liu Yong refused, Chen Yu said: "So we have two cooperation, or if you can use the loan business, or don't care about our Huanyu Technology."

"Chen, credit loan is really risky, I recommend nothing."

See Chen Yu does not listen to persuading, Liu Yong said again.

"Liu, I know the risk of this, but if we have a means of controlling risk?"

"What is the means of controlling risks?"

"Liu, don't forget our payment."

Chen Yu said with a smile: "The payment is not only payment tool, but he is still a credit system."

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PS: Brothers, add more sent, this chapter is still 3000 words, big white is enough.