Chapter 1181 Something Unexpected Happened Again (2 Chapters Merged) (1/2)

The technology in the mobile phone industry is changing very quickly. From the upgrade of 2G to 5G communication technology, the development of biometric technologies such as fingerprint recognition and facial recognition, as well as the continuous advancement of screen technology, camera technology, etc., every technological change provides new brands with opportunities. Opportunities to enter the market.

New brands can quickly gain market share through breakthroughs and innovations in new technologies.

For example, Zhonghuajia Technology Co., Ltd. first gained a foothold through price competition, and then established its position in the industry by launching epoch-making capacitive screen technology.

Then after the emergence of smartphones, it launched the first domestic smartphone, which established the pattern of catching up and surpassing Nokia in one fell swoop.

In a world where consumers have more diverse demands for mobile phones, they not only focus on performance and configuration, but also on appearance design, camera effects, battery life, etc.

This allows the mobile phone market to accommodate more brands, and different brands can gain market share by meeting the needs of different consumers.

The computer industry market is different. The brand influence is much stronger than that of mobile phones.

For a long time, computer brands such as Xianxiang, HP, and Dell have basically dominated the entire market and established brand influence in the minds of consumers.

When buying computers, consumers are more likely to choose well-known brands because the product quality and after-sales service of these brands are more guaranteed.

The accumulation of this kind of brand recognition requires long-term market cultivation and investment, and it is difficult for new brands to break this pattern in a short period of time.

Moreover, after years of competition and reshuffle in the computer industry, these major manufacturers that occupy market share have extensive sales channels and customer groups around the world.

Through large-scale production and procurement, they can reduce costs and improve product competitiveness.

As Chen Changliu analyzed it for Cao Wenlong, he finally understood what he had just half-understood.

"Actually, I don't need to explain anything to you, but we are allies, so that's why I say so much.

The reason why our flower growers entered the notebook computer track is because it is a way to complete the product ecological chain.

Let’s put it this way, I have talked about the Internet of Everything before, and to realize the Internet of Everything, laptops are the track we must enter.

By then, our electronic products will be able to realize the interconnection of smartphones, laptops, tablets, bracelets, etc.......

You don’t have to worry about whether our Internet of Everything will make people who buy our mobile phones only buy our laptops.

There is no need to worry about these, because the domestic market is large enough.

And you have to remember that the product you want to develop is not only for the domestic market, but also for foreign markets to have a greater impact on you.

I remember that starting from 2005, although the domestic market revenue was increasing, the revenue share of the entire group company has plummeted. By last year, the domestic market revenue accounted for less than 30%.

This is what you need to consider after taking control of a certain computer in the future..."

Cao Wenlong left, but Chen Changliu still continued to think about something.

A certain person wanted to encounter a major crisis in his later life and was scolded in the country. He deserved it.

However, its share in the computer market has not declined. This is the effect of being the number one domestic brand for 20 years.

But in retrospect, it's a bit sad, because at this time, the management of XXXX had already publicly stated that it was not called XXXX, but that it was called XXXX, and even the headquarters had moved abroad.

Although their reason is that they are afraid of losing some markets, from another perspective, they are too timid and too afraid of the foreign fathers in their eyes.

You must know that Xiangxiang does not have its own core patents, it is just an assembly factory.

For such assembly plants, the beautiful country is too lazy to crack down and impose sanctions. After all, this kind of company only allows them to make money.

Moreover, the notebook computer business that a certain company wants to do abroad is basically provided by BM. To put it bluntly, this brand is also owned by the beautiful country, so the beautiful country will not sanction you at all.

Let's put it this way, no assembly factory in China will be sanctioned, because you can only earn hard money, and the biggest profits go to these Western technology companies.

Western governments basically serve these large companies, so as a carrier that helps these companies dump their products, why are they sanctioning you?

Just like a certain top 500 company on the domestic mobile phone track, they are of the same nature as a certain country. The beautiful country will not impose sanctions, but will increase its efforts to support them, shouting that they will not be short of wafers, and they will be the first in the world. .

After all, not only can it help them make money, but it can also impact the domestic supply chain. This is a plan that kills two birds with one stone. Why does the beautiful country impose sanctions?

Only when you threaten the underlying logic or core technology of companies like Meimei Country will they sanction you.

In fact, just like the domestic Internet, beautiful countries like Penguin Cat Factory, a huge Internet company with a global reputation, don't even bother to sanction you, because you built a house on someone else's foundation.

But for example, a rogue anti-virus software company is many times smaller than Penguin Cat Farm, but it is still sanctioned by beautiful countries.

Because its outstanding performance in the field of network security poses a "threat" to the beautiful country.

It has captured a total of 54 overseas national-level APT organizations, and also exclusively captured the Cybersecurity Bureau’s cyber attacks and penetrations on domestic critical infrastructure, scientific research units, and government agencies for more than ten years.

These actions broke the one-way and transparent advantage of the beautiful country over the big Eastern countries and made the beautiful country feel dissatisfied.

Therefore, it was mentioned 12 times in the National Cyber ​​Security Report of the National Congress of the United States and considered to be the most threatening cyber security company in the big Eastern countries.

So in essence, a certain person's subsequent behavior was a kind of kneeling, and it was also a kind of kneeling down with fear and trembling without saying anything.

Then guess what the Western dads are thinking and surrender in advance.

This is one of the reasons why Chen Changliu is most ashamed of his godfather and the team he leads.

The arrival of Cao Wenlong was just an interlude, and it was nothing to Chen Changliu.

...........

After sending Cao Wenlong away, Chen Changliu and the top management of the flower gardener did whatever they had to do.

But of course no one is willing to watch the flower grower continue to maintain positive searches until the start of the product launch.

Yes, something went wrong again.

"Mr. Chen, there have been many feedbacks from old car owners during this period. They bought the car for a year and it was time for insurance. However, when they went to apply for insurance without any accidents last year, they were told by the insurance company that the premium had increased by 20%. %.

You should know that in the second year of insurance for a fuel vehicle, the premium will drop by 25% to 45% as long as there is no accident in the previous year. The premium will only increase if there is an accident.

There have also been cases where insurance companies have refused to insure.

Many people have already complained online, which will have a certain impact on us.

According to our investigation..."

Listening to Chen Yanfeng's report on the phone, Chen Changliu frowned slightly.

How could this scene come so early?

You must know that this situation will not occur until the momentum of new energy becomes more and more good, and it will almost overwhelm the fuel vehicles.

From Chen Yanfeng's report, it can be seen that the increase in premiums or denial of insurance occurred in some small insurance companies, and it should be said that it was specific to certain companies.

Some large insurance companies do not have these problems, but if this evil trend continues, large insurance companies with insufficient coverage will follow.

window._taboola = window._taboola || ; _taboola.push({ mode: 'thumbs-feed-01', container: 'taboola-below-article-thumbnail---300x250', placement: 'Below article thumbnail-300x250' , target_type: 'mix' });

If you are denied insurance after the premium increases, the reasons given by the insurance company are just a few.

1. High loss ratio and high maintenance costs:

High frequency of accidents:

New energy vehicles have high torque and fast acceleration, and some car owners have a more aggressive driving style, which makes the probability of accidents when the vehicle is driving relatively high.

For example, on urban roads, some Qin car owners may frequently overtake and change lanes because of the vehicle's good acceleration performance, which increases the risk of collisions.

Moreover, when Qin uses pure electric vehicles, it starts quickly, lacks engine noise when driving at low speeds, and has high driving sensitivity, which is different from fuel vehicles. The driving habits are different from traditional driving methods, and there is a risk of "newbies" adapting to the period, resulting in a higher frequency of accidents.

Repair costs are expensive:

Qin's core components such as batteries, motors, and electronic control systems are highly technical and expensive to manufacture. Once damaged, replacement or repair costs are high.

For example, the battery packs of Zhonghuajiaqin are very expensive, and the supply channels for auto parts are relatively single. There is a lack of market competition and it is difficult to reduce prices.

High technical requirements for maintenance: Huajia New Energy, especially Qin, uses many new technologies and materials, and the maintenance process is complex and requires professional equipment and technicians.

Some small insurance companies may not have the relevant repair capabilities and technical support, resulting in increased repair costs.

Moreover, the body of Zhonghuajia's new energy vehicles uses a large amount of composite materials, which makes it more difficult to repair the body and the maintenance cost will also increase.

There is another reason: the market volume is too low, maintenance costs will also increase, etc.!

But in Chen Changliu's view, these reasons cannot be used as excuses, and more importantly, companies such as Moudi and Morui that have also launched new energy vehicles have not experienced this problem.

That means flower growers are being targeted.

Chen Changliu was too lazy to find out who was behind this because the flower grower had too many opponents.

Although the current problem is in the automobile business, if the guarantee is not complete, it may not be possible even if the opponent in the automobile business takes action, so there is no need to worry about it.

He thought for a while and called Wu Feng.

In the evening, on the top floor of Wu Feng's private club, in their exclusive teahouse, Chen Changliu, Wu Feng, and Gu Yue were all there.

Yes, Wu Feng's fiancée Gu Yue was also there. Chen Changliu specially asked Wu Feng to bring her here.

"Sister-in-law, I actually came here specifically to see you this time.

The reason why I asked Brother Wu to take you with me is because I am afraid that he will think too much. After all, my charm lies here, so it is normal for him to not be confident! "

Hearing Chen Changliu's words, Gu Yue didn't know whether to laugh or cry, but she was still a little curious as to why Chen Changliu wanted to see her.

Although Wu Feng knew that Chen Changliu must have something serious in this situation, he still couldn't help but complain:

"Made, can you please stop smelling like shit? Besides, you think you are Tang Monk's meat. Everyone wants to take a bite of it, hum!"

Looking at Wu Feng complaining there, Chen Changliu said hehe:

"Brother Wu, since you said so, you can go and let's talk about some private matters!"

Chen Changliu's words immediately choked Wu Feng.

"Hmph, this is my club, I won't leave!"

After joking around, Chen Changliu finally got down to business.

"Sister-in-law, let me speak openly. Have you ever thought about entering the domestic insurance industry?"

When she heard Chen Changliu's question, she thought that Chen Changliu was talking about something he asked her to see more in the country when they had a gathering before, so she nodded and said:

"Well, I have submitted my resume and received a reply. I will go for an interview in two days!"

"Sister-in-law, you misunderstood. I'm not asking you about working in an insurance company. I'm asking you if you have ever thought about investing in an insurance company yourself?"

Gu Yue was stunned when she heard Chen Changliu's words. This was something she had never thought of before.

Wu Feng was stunned for a moment, and then he came back to his senses immediately.

"Changliu, are you talking about investing in the insurance industry?"

After hearing Wu Feng's words, Gu Yue came back to her senses and looked at Chen Changliu with burning eyes.

Of course, this is not admiration or anything like that, but Wu Feng's expectation of investing in the insurance industry. If he can control an insurance company, he will have the opportunity to show his talents.

She worked in an insurance company abroad, and she still liked this industry.

Chen Changliu didn't hide it either. He took out a piece of information and handed it to Gu Yue and said:

“Yes, during this period some insurance companies refused to insure our company’s cars or raised premiums, so I came up with the idea of ​​investing in the insurance industry.

Take a look at this information. This is information from the insurance company that ranked fourth in the country in 2002.

After the restructuring in 2004, it suffered losses for more than 7 months in 2006 and more than 6 billion in 2007.

Do you think it can be saved? How much capital is needed to invest in it? "

Chen Changliu actually asked these questions during Gu Yue. If he really invested in this company, then Gu Yue should be the person who can reassure him the most and has work experience in this field.

In fact, he knows whether this insurance company that was founded in 2002 can be saved and how much investment can be made to control it.

This insurance company is now struggling. At the beginning of the year, Groupama and AXA of Gallic Chicken withdrew their investment in it due to the financial crisis.

In March, the China Insurance Regulatory Commission sent an internal control working group to the company. Against this background, the company's financial status and market value were greatly affected.

Moreover, during this period, the market's expectations for its future development are also relatively uncertain, which will make the assessment of its market value complicated and difficult.

However, in the subsequent development, the insurance protection fund injected 6 billion two years later, and the shareholding ratio became 91.49%.

Before the capital injection, the Insurance Guarantee Fund held 57% of the equity, which means that with an investment of 6 billion, 34% of the equity could be obtained.

It seems that if Chen Changliu wants to control this company, he may need to spend tens of billions.

But it was not, because the insurance company had been restructured before, and the insurance protection fund, which originally had no equity in it, directly acquired 57% of his equity.

So there is definitely room for maneuver here.

Before his rebirth, this insurance company ranked second among unlisted insurance companies in terms of premiums, with total assets reaching more than 100 billion.

Buying it now when it is struggling is not considered embezzlement of state-owned assets, and it can still make money openly.

PS: typos should be corrected first and then corrected.

window._taboola = window._taboola || ; _taboola.push({ mode: 'thumbs-feed-01', container: 'taboola-below-article-thumbnail---300x250', placement: 'Below article thumbnail-300x250' , target_type: 'mix' });