Chapter 902: Payment Pass, Credit Loan

"Chen Yu, you... what about our Shenzhou computer?"

Seeing Chen Yu as a joke, Wu Haijun asked.

"This is also simple and can be incorporated into our Huanyu Computer. At the same time, Shenzhou Computer can still maintain its independent brand development."

This is Chen Yu's plan.

The scheme looks the same as previous collaborations, but it's not.

Before, the two parties invested in technology and cooperated with each other, but in fact, the two parties still maintained different operations.

Huanyu Technology sells Huanyu Netbooks, and Shenzhou Company also sells Shenzhou Computers.

Although the two parties are cooperating, in fact, the two companies are still operating, and the profits of their respective brands are handed over to their respective companies.

But now, the two will be merged into one.

Shenzhou Computer can use the current valuation to merge into Universal Computer and accept new shares of Universal Computer.

In this way, the entire company is no longer two independent, but a completely new one.

Even the Shenzhou computer can still be sold, but it is only the operation of a brand under the company.

Although Wu Haijun will attach importance to the development of Shenzhou Computer, he will also attach importance to the development of the entire Universal Computer.

Thus.

Chen Yu found a new computer chief, but also did not let Wu Haijun lose the Shenzhou computer.

Of course, the truth makes sense, but the key is whether Wu Haijun is willing or not.

If it is a general professional manager, of course I would.

But Wu Haijun is the founder of Shenzhou Computer, and he has also made a name for himself in the industry.

Of course it doesn't matter if it is called brotherhood with Chen Yu. If it is merged into Huanyu Computer in the future, it will obviously be under Chen Yu.

"Chen Yu, I have to think about it."

Wu Haijun did not reply immediately.

In this regard, Chen Yu also felt normal.

If it was him, he wouldn't be able to respond so quickly.

Just like his Huanyu Technology.

If someone wanted to buy them, he wouldn't want to kill him.

"Okay...Old Wu, this should be considered carefully."

Chen Yu did not immediately ask Wu Haijun to give an answer.

Next, Chen Yu kept going. After leaving Shenzhou, he went to the headquarters of Minsheng Bank.

"Mr. Chen, you are a rare guest. After the last board meeting, you didn't come to sit with me."

"I wanted to come too, but I've been too busy. It's just right now, so I took some time to chat with President Liu."

"Chat... Hehe, Mr. Chen, you can chat so simply, nothing else?"

"Of course there is, but I want to see if your Minsheng Bank has transferred our money away."

Chen Yu said jokingly.

After Paytong developed the transfer business, the capital accounts of Huanyu E-commerce were all stored in Minsheng Bank.

Don't look at this as just a transfer business, but because of the user's habit, there will be a lot of idle funds deposited while transferring money.

Over time, under the deposits of thousands of users, Minsheng Bank has absorbed tens of billions of yuan in funds.

This is equivalent to a sudden increase of tens of billions of RMB in deposits.

And, this has not stopped, he is still expanding with the expansion of the scale of e-commerce.

"Mr. Chen, look at what you said, what are you Minsheng Bank, you also hold shares in Minsheng Bank, and you have also sent directors to our Minsheng Bank, Minsheng Bank is also your business, even if we want to transfer it, we will not What a guts."

"Besides, even if you are not a shareholder of Minsheng Bank, we do not dare to transfer users' funds at will."

Liu Yong scolded Chen Yu and said that he was too worried about their Minsheng Bank.

"Hahaha, President Liu, I'm joking. However, there is one thing I want to chat with President Liu."

"What's the matter, you said."

"I would like to ask, can we Huanyu Technology carry out loan business?"

"Loan, Chen Yu, you Huanyu Technology are short of money again?"

"No, I mean, we lend to other people."

"That's what you said."

Liu Yong understood what Chen Yu meant: "I guess there is no drama,

You can't get a license. "

According to the current policy, financial business and licenses will not be issued to private enterprises, nor will they be issued to private individuals.

As for Minsheng Bank, it is an exception.

Only after more than ten years in the future, when the policy is liberalized, all kinds of CMBC enterprises can carry out credit business.

"What about working with Minsheng Bank?"

"That's fine."

Minsheng Bank naturally has loan business.

Huanyu Technology can't do it, but cooperation with Minsheng Bank can promote this.

However, Liu Yonghao is a little strange: "Do you want to enter the financial field?"

"no."

"Then who do you want to lend the money to?"

"Lending to ordinary consumers."

"Ordinary consumers, individuals?"

"It's a person."

"This business...can you be specific?"

Liu Yong was a little confused about what Chen Yu meant, so he was going to ask for more details.

Although he feels that the business is actually nothing to do.

"Let's put it that way."

Chen Yu explained: "We have a lot of electronic products in Huanyu Technology, such as mobile phones, pear series, computers, netbooks, etc. But some hardware products are more expensive, and some consumers can't afford them, so I decided to put those For consumers who cannot afford it temporarily, provide them with a loan business and let them pay in instalments over a year or two."

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

"Yes."

"Mr. Chen, your brain is too big."

Liu Yong was stunned.

He has been in finance for so long, and he has never thought of such a business.

"Mr. Chen, how did you come up with this business?"

"Being forced to join forces by TSMC, Intel, and Samsung can't do anything."

"I've heard some of this."

Liu Yong nodded his head.

There has been news about this in the industry.

Although Liu Yong is not from the IT industry, he is familiar with such news.

And through his analysis, he can be sure that Huanyu Technology is definitely under huge pressure.

This is also normal.

If it were any family, it would be enough to drink a pot if they joined forces.

Even if it is not for the strong strength of Huanyu Technology, ordinary enterprises may close down on the spot.

Unexpectedly, at such a time of great pressure, Chen Yu thought of a way to provide loans to ordinary consumers.

I have to say, this move is very good.

As long as such a business is launched, it will bring huge sales to a series of electronic products under Universal Technology.

However, after listening to Chen Yu's introduction, Liu Yonghao frowned again.

"Mr. Liu, is there a problem?"

"There are indeed problems. For example, the risk problem here, have you ever thought about lending to ordinary consumers, what do they take as collateral?"

"Without collateral, my model is a credit loan."

"Credit Loans?"

Liu Yong naturally knew about the credit loan.

but……

Basically no bank dares to push such a business.

Even if there are some who dare to push, they are not just credit loans, they have to add a guarantor on the basis of credit loans. If there is no guarantor, then you take fixed assets as collateral. But even so, just relying on guarantees has a lot of risks, and banks are more willing to have low-mortgage loans.

In fact, this is in line with what Teacher Ma said in the previous life, that the bank's thinking in the past thousand years was completely still a pawnshop's thinking.

You only have to put things in the bank as collateral, they will give you a loan.

If not, sorry, the bank won't lend you a loan.

It's like buying a house with a mortgage.

Buying a house looks like a credit loan, but it's not at all. Although you can live in the house you bought, if you haven't fully paid off the loan, your house doesn't belong to you entirely. In fact, it is still mortgaged in the bank. If you don't have the money to pay the mortgage, the bank has the right to repossess your house and put it up for auction.

The same goes for buying a car.

Although the car bought with the loan can be driven home, the car bought with the loan is equipped with GPS positioning.

In other words, wherever your car goes, the bank knows it.

Once you don't repay the car loan, they will send someone to drive your car away according to the GPS location.

Of course, there are also some that don't require GPS, but if you don't repay the car loan, they will take away your car or take other methods to make you repay the money.

These loans appear to be unsecured, but in fact they are all secured.

The real credit loan, the bank will not lend you at all.

obviously.

When Chen Yu talked about credit loans, Liu Yong was even less optimistic.

"Mr. Chen, I think this business is really too risky. Although, this business is really good news for consumers. Many people will not be able to buy a computer for a while, he can pay in installments to increase Your sales. However, you are all ordinary people. Ordinary people have no mortgage, so they have no credit. If they don't pay back, what will you do?"

The reason why banks do not engage in credit loans is that there are too many risks.

How can ordinary people have any credit at all?

In their eyes, how much is credit worth?

I don't know how many people give up their credit for money.

It's not just a loan at a bank, it's the same as a loan between friends.

As the saying goes in reality, it is the grandson who borrows the money, and the uncle who repays the money.

You didn't take good care of the uncle, and gave you the money.

Banks obviously don't want to keep such a risk to themselves, as it would increase bad debt rates.

At the same time, it has become extremely troublesome for them to recover the money.

If you have more money, you can say that the bank can sue you to repay the money.

What if I have less money?

Chen Yu's credit loan is only a few thousand yuan at most, and some even a few hundred yuan. He went to a lawsuit for a few thousand yuan and a few hundred yuan?

And it's not one person or two. If there is a default in the future, there will be tens of thousands of people and hundreds of thousands of people.

Which bank has the energy to fight tens of thousands or hundreds of thousands of people?

But Chen Yu didn't think so.

Seeing Liu Yong's refusal, Chen Yu said, "That's why we want the two to cooperate. Otherwise, you can do the loan business. It doesn't matter if you want us or not."

"Mr. Chen, credit loans are really very risky, I suggest not to do them."

Seeing that Chen Yu didn't listen to persuasion, Liu Yonghao said again.

"Mr. Liu, I know the risks here, but what if we have the means to control the risks?"

"The means to control risk, what means?"

"Mr. Liu, don't forget our payment link."

Chen Yu said with a smile: "Payment is not just a payment tool, it is also a credit system."

ps: Brothers, Jiageng sent it, this chapter is still 3000 words, it is interesting enough.