Wuliang Advertiser

Ma Yun is a thief. After meeting Wu Liang, he never mentioned anything about the West Lake. Wu Liang didn't care. Although he was very jealous of Ali, he didn't want to show it.

His gentleness made Ma Yun not know what to say, so she could only say something lightly, "I haven't seen you in January, consultant Wu, don't come here without any problems!"

Wu Liang pretended to be nonchalant, "Teacher Ma, fortunate to have the meeting, but this time I am here, I have important matters to discuss with Director Cai, Teacher Ma, you...?"

"Watt?" Ma Yun, the English teacher, blew an English sentence involuntarily.

Wu Liang shrugged helplessly, "If Teacher Ma wants to listen, it's fine, remember to keep it secret!"

Ma Yun obviously felt that she had been underestimated and was a bit aggrieved, but when she thought of Wu Liang doing something mysteriously, it was a pity not to participate in it. She stayed in the office and did not leave.

Besides, this was originally his office, where he could go.

As a guest from afar, Teacher Ma personally made a pot of Longjing for Wu Liang and teased him, "You received the tea from last time!"

Wu Liang smiled secretly in his heart, isn't it just a little tea, you don't have to talk about it all day long, "I have received it, thank you Ma!"

Wu Liang was sitting in danger, and raised his doubts to Cai Chongxin very seriously, "Director Cai, this time I was forced to be helpless, I want to ask you to answer your questions!"

"please say!"

Cai Chongxin is engaged in capital operations, and the question Wu Liang wants to ask is this, "How to use 100 million funds to leverage an order contract worth 2 billion!"

Cai Chongxin was a little startled.

Ma Yun was thankful that she had not left, and said to her heart that Wu Liang, this kid, is really a big deal, and his mouth is 100 million.

After Cai Chongxin froze, he glanced at Ma Yun and found that Ma Yun was pretending to be doing nothing but listening with his ears upright, as if this matter had nothing to do with him.

"Can I ask about the specific situation?" Cai Chongxin is good at capital operation, but he also has to focus on specific issues and analyze them in detail.

"Well, I have a need, but I only have one billion funds, and I want to buy two billion things. The agency has already been obtained. The goods are foreign 3M companies. Mr. Cai should also be aware that international trade is basically cash transactions. , Is there any good way?" Wu Liang also went to the doctor in a hurry, always thinking that things would not work well, and he really couldn't get past the hurdle in his heart.

Cai Chongxin thought about it carefully, organized the language, and said, “Under normal circumstances, there are several models for projects that use small funds to leverage large funds. The first is the PPP model, which is the public-private partnership model. There are successful experiences abroad, but it seems that China has never done so!"

Cai Chongxin gave Wu Liang a brief introduction. To give a simple example, the government wants to build a road, but there is no money. The most direct way is for the government to come forward and use the future earnings of the expressway to raise funds. This project, in terms of tall, is the PPP model.

However, Wu Liang's project is obviously not in touch with this one. Book friends who have read Chen Feng's laughter will probably understand that the traffic bull bureau was in this way at the time.

Wu Liang shook his head, this path is definitely not working.

Cai Chongxin said another one, "Factoring!"

It probably means that if you have a batch of goods and the buyer has found it, if you need funds urgently, you can find a factoring company and ask for money from the factoring company with accounts receivable.

After the goods are sold, only the funds of the factoring company and the income of the factoring company need to be repaid.

And the money of the factoring company is not the wind blowing, then, the factoring chamber of commerce will form this account receivable into a factoring asset package through the financing platform for external financing.

The original accounts receivable of 100 million yuan is calculated at a 20% annual discount rate, plus the income of investors, the income of factoring companies, and the income of financing platforms.

In this way, the factoring company can get 109 funds in this process.

The factoring company can buy 10.9 billion yuan of semi-annual accounts receivable with its own funds of 100 million yuan in the first installment, or conversely, the supplier or labor service provider can buy 10.9 billion yuan of semi-annual accounts receivable. In exchange for 100 million yuan of monetary funds.

So the second time, it is the amount of funds squared by 109.

Moreover, this kind of financing is not a one-shot sale. If the financing platform has a strong financing capacity, it is calculated on a half-year basis, once a week, and calculated at 24 times in half a year. After half a year, theoretically the asset scale of the factor can reach 11.5 billion.

After Cai Chongxin's introduction, Wu Liang understood, "Isn't this just P2P!"

This time it was Cai Chongxin's turn to be surprised, "Hey, Consultant Wu also understands this thing!"

"Huohuo, know a little!" Wu Liang was crying crazy in his heart, Ma Dan, one day, we will have a day to play P2P."This is obviously a good way. Does Cai always have a way?"

Cai Chongxin smiled, neither said yes nor no, just smiled and looked at Wu Liang.

Wu Liang understood in an instant, "Damn, isn't this a typical robbery?"

However, if this is Wu Liang, then Wu Liang should not be confused, "Mr. Ma, are you interested?"

"Huh?" Ma Yun was fascinated, and he waited until Wu Liang asked him before he reflected, "Counselor Wu, are you sure you are talking to me?"

"Then let me put it this way, does our previous agreement still count?"

Ma Yun looked at Cai Chongxin, and when he nodded, she said, "Agree!"

"Well, let's sign a consultant contract first, so you can rest assured. I will get the five-point share first, and then we will continue to discuss the business model!" Wu Liang said, Cai Chongxin went out , Came in again within a few minutes, took a contract, and handed it to Wu Liang.

Wu Liang took a look and gave Ma Yun a thumbs up, "Teacher Ma is open and bright!"

Anyway, Wu Liang was familiar with this matter. After watching for ten minutes, he picked up his pen, signed his name in a brush, and then Ma Yun signed it.After signing the share transfer contract, Wu Liang signed a special consultant's labor contract.

Since then, he himself has another title, Ali's Special Advisor.

Wu Liang combined financing matters with selling 3M products and began to teach Ma Yun and Cai Chongxin.

"I know that Teacher Ma has been doing B2B. In fact, B2C is also promising, but people don't know how to make money on B2C, so I introduce the concept of a platform!" Wu Liang just told Ma Yun in advance what he will do later It's just him.

"Before I was in the capital, I specifically looked for Li Guoqing from Dangdang.com. I originally wanted to work with him. As a result, he charged me 100,000 yuan for advertising for my book. I won’t work with him anymore!” Wu Liang asked Ma Yun suddenly, “Is there a whiteboard? Some things are written on the whiteboard and everyone can see it more clearly!”

Cai Chongxin went out and came back in a short while, with two people behind him, pushing a whiteboard in, and placing two markers in front of Wu Liang.

Wu Liang is also welcome. He wrote on the left side of the whiteboard, "Dangdang's profit model!"

"Presumably Teacher Ma should know better than me! Actually, the most important thing about Dangdang.com is to solve a payment problem!" As soon as Wu Liang finished speaking, Ma Yun laughed. Everyone knows Dangdang's cash payment. , The courier delivered to the door, holding a pile of change in his hand.

Especially for books, it costs nine dollars and nine dollars. The user pays you ten dollars. You have to find a dime for others. The courier can't help it. There is a lot of change in your pocket.

Wu Liang looked at Ma Yun and looked straight at him, before he went on to say, "Is it ridiculous? At least they found a payment method!"

Wu Liang said Ma Yun did not dare to gnaw. Although you are a consultant, this is a consultant. You must listen to what the consultant says, or else what do you want a consultant to do?Ask when you really thought it was Gu's care?

"The current profit of Dangdang.com is mainly composed of two parts. One is advertising, and the other is to buy low and sell high to earn the difference in the middle. Moreover, because Dangdang.com sells a large volume of books, the purchase is relatively low, so books are sold. The price is not expensive and it can attract enough users!"

Wu Liang sighed, "Actually, I went this time to find a third profit model for Dangdang, but, hehe... I don’t need to mention it, presumably, because of my age, everyone feels that what I said Can't be trusted!"

"But it doesn't matter. I don't care. I lost the opportunity to cooperate with me. It is not my loss, but his loss! After my book has sold out 50,000 copies, I am going to hand it over to Mr. Ma for sale!"

"Attention, let's talk about the important point, how does B2C make a profit!"

"Let’s take my book as an example. First of all, this book is very popular. There is no doubt that it is not sold in physical stores. There is only the Internet. It should come out! But it’s okay. I have adopted a little bit of technical means, and the pirated reading experience will be very poor! Teacher Ma, we are still profitable!"

"Similarly, for the B2C website, for Teacher Ma, this is not difficult to build. The difficult part is how to make money. Let me talk about two ways to make money. First, the B2C we are going to do is different from Dangdang. , He is a self-operated book, we let tens of millions of merchants across the country come to sell on our platform, that is, open an online store, sell in the online store! You can log in to our website and choose the products of the center. Buy! This is the meaning of the platform, what we have to do is to build such a platform, and we are only responsible for the maintenance of the platform!"

"Secondly, taking my books as an example, I can also sell them online. As long as the payment method is solved, cash payment is also a way, but it is obviously not feasible for merchants across the country. What should I do if I don’t pay when I buy something? So this involves a problem of integrity. How to solve the problem of integrity is the most important thing!"

"Obviously, the issue of integrity can only be done by us, how to do it?" Wu Liang tapped on the whiteboard, "This is the key point, I will tell you Ma Yun, my idea can be worth a hundred Billion meters!"

"The user can first give the money to the platform, that is, us, and then the user feels satisfied after receiving the item, OK, the user tells me, I will give the money to the seller, so that a transaction is completed! However, in this process we I don’t seem to be making any money, let me tell you, it’s wrong, so wrong!"

"It's still an example of storytelling. The user submits an order, the merchant ships it, and then transports it on the road. Take printed matter. Basically, it takes seven or eight days to arrive. Then the user receives the book, clicks on the Internet to confirm, and Pay the user's money received to the merchant! During the seven or eight days, is there 30 yuan lying on our account!"

"Don't underestimate the time of 30 yuan a week. If we say that our platform sold 100 million yuan of goods this week? How much is the interest of this 100 million yuan in the bank? Mr. Cai, can you estimate it?"

Cai Chongxin closed his eyes and made a simple estimate, "Let's get a hundred thousand!"

"Okay, this is a week’s income! It’s five million a year! It doesn’t look like a lot, right? Well, some users want to buy all the books. I have to go online and click to confirm. Isn't this too much trouble? Then we will add another function of automatic payment when the time is reached. If we set this time as three weeks, then what is our revenue? 15 million!"

Wu Liang saw Ma Yun's obvious eyes light up, "Huh? That's right, this is only the income from depositing banks or loans, if it is used for investment, it will definitely be better!"

"Actually, this is the profit model of a supermarket. I use the money of the supplier to play capital operations. Cai is always an expert, so I don't want to make trouble!"

"So, what if our sales reach 10 billion a week? Don't look at me, only 500 billion sales a year, drizzle, many supermarkets in the U.S. can achieve such a turnover. It is really not a problem in China!"

"In this way, the profit model has been established, and even the advertising I have thought about how to expand my reputation? I will talk in detail after the shares are obtained! Okay, if you have any questions, I can ask now!"

Wu Liang talked a lot, his mouth was dry, he walked aside, took a few cups of cold tea, he saw Ma Yun still thinking, and said to his heart, "This amount of information is indeed a bit big. Let him digest!"