Set sail1992

Chapter 947 Ingenious Response

Although SAIC GM's move is a bad move in the eyes of Zhang Qihang, but don't forget that this is the year 2000. In the eyes of other domestic automakers, especially Xiali, Changan and other national auto companies, SAIC This action by the GM becomes "Oh my God! Wolf is coming!"

In the eyes of the major auto companies, only the giants can fight against the giants. If this is the case, then it will be easy...

Changan took the lead in responding and immediately accelerated the negotiation with Ford;

While urging Shenlong Fukang to launch a new model, which is the "Elysee" based on the Fukang 988 sedan, it has also accelerated the progress of negotiations with PSA Group, preparing to sell Peugeot in the gold medal model of compact cars: Peugeot The 307 was introduced into the country in order to use the Peugeot 307 to compete with SAIC GM's Sail;
Even within the SAIC Group, there was a lot of turmoil. After knowing that SAIC GM was planning to increase the production capacity of the Sail, another heavyweight joint venture of SAIC Group: SAIC Volkswagen immediately decided that, in addition to the small car polo that was planned to be introduced in the original plan, In addition, a new car was introduced from the German Volkswagen Group.After repeated weighing, SAIC Volkswagen Group determined the model to be introduced as a multi-functional hatchback: Touran...

While major car companies are busy looking for "foreign aid", some people are also curious: What is Huateng Industrial Group doing in the face of pressure from SAIC GM Buick Sail?When they focused their attention on Huateng Industrial Group, they were surprised to find that Huateng Industrial Group didn't seem to move at all.

How could there be no movement?
This discovery stunned many people. You must know that in the eyes of many people, with the cumulative sales of various models under the Huateng Industrial Group, the total sales of the entire Huateng Industrial Group have exceeded 40 vehicles, accounting for almost [-] vehicles. It accounts for one-fifth of the entire Huaxia automobile consumer market. This output, even the FAW and the No. How could the industrial group remain silent?Could it be that they knew they were invincible and were ready to raise their hands to surrender and admit defeat?

But this is also impossible. Thinking about it carefully, this is not like Zhang Qihang's character, so the question is, why is it all here, and Zhang Qihang is still silent?
After a long time, even the comrades of the provincial state-owned assets office couldn't sit still. Chen Haiyang called Zhang Qihang himself and asked his opinion on SAIC GM's increase in production capacity of Sail cars.

Faced with this problem, Zhang Qihang said: "Director, in my opinion, SAIC GM's practice of increasing Sail's production capacity is completely understandable, and there is no problem at all. This is normal."

Chen Haiyang didn't expect Zhang Qihang to say that, he paused, and then said: "Talk about this carefully."

"Okay," Zhang Qihang didn't think much about it, and then said, "It's like this. After more than 20 years of reform and opening up in our country, there are already a group of people who got rich first and small factory owners who got rich first. , small workshop owners and even entrepreneurs have also given birth to a large number of burdened urban middle class. These urban middle class have stable and rich income. In addition to basic necessities of life, they have higher quality requirements for life, so they naturally want to To improve their own living and travel conditions, this is the fundamental reason why our Excelle sedan was able to sell well before, and our product is precisely aimed at this group.

Now, SAIC GM's Sail car is also aimed at this group. It can only be said that everyone has realized that with the continuous reform and opening up and the continuous increase of people's income, the group of the urban middle class has become more and more Huge and will increasingly become the main force of consumption. "

"That's it, I understand," Chen Haiyang nodded, and then asked Zhang Qihang tactfully: "Then, Xiao Zhang, what are your considerations for this situation?"

After finishing speaking, without waiting for Zhang Qihang to answer, Chen Haiyang said: "What you said is very reasonable, but the group of 'emerging urban middle class' is only so big, which means that the cake is so big, SAIC GM eats more One bite means that Huateng Group has to eat one less bite, and the current situation has become that SAIC GM is no longer satisfied with eating one more bite, and they want to eat two, three or even more bites. In this case, you What are you going to do?"

That's it!

It was only then that Zhang Qihang realized that Chen Haiyang and even the entire Provincial State-owned Assets Management Office were in a hurry to face the news that SAIC GM had increased the production capacity of Sail.

But when you think about it carefully, this is understandable. In fact, it is no wonder that Chen Haiyang is so concerned about the situation of Huateng Industrial Group. It is true that the current Huateng Industrial Group is already a veritable economic locomotive in Lu Province. But looking at it now, This locomotive seems to be a bit unwilling to contribute, how could Chen Haiyang not be in a hurry?
Thinking of this, Zhang Qihang said: "Director, we have actually discussed and analyzed this issue internally. After argumentation, everyone agreed that price reduction is the first option that must be ruled out."

"Eh? Can't lower the price?" Chen Haiyang couldn't help being a little surprised when he heard that: "Why can't the price be lowered?"

In fact, the purpose of Chen Haiyang's call to Zhang Qihang today was to persuade Zhang Qihang to lower the price of Excelle, but now Zhang Qihang actually said that in the measures to deal with the new production capacity of SAIC GM Sail, the first option to be excluded It was the price reduction, which made Chen Haiyang a little calm: Why can't the price be reduced?

"Director, in the final analysis, the Sail is just a 4-meter A0-class small car, while our Excelle is a 4.5-meter A-class compact car," Zhang Qihang said with a wry smile: "According to European and American car companies According to the pricing practice, there should be at least a price gap between small cars and compact cars of US$3000 to US$4000, that is, RMB 25000 to 35000.

But now what is the price difference between our Excelle and Sail?

Only a little over ten thousand!
Sail still uses a 1.6-liter engine, while our Excelle uses 1.8 and 2.0 engines. It can be said that it surpasses Sail in terms of vehicle size and configuration. Next, our Excelle only competes with Yougui in the early 10000 yuan, which is already very dangerous.

If we lower the price at this time, what do you think will happen?After comparison, will consumers feel that our car has serious cut corners?After all, in the eyes of ordinary people, there is still the thinking of 'you get what you pay for'. "

"..."

Chen Haiyang wiped the cold sweat from his forehead and stopped talking.

In fact, before this, he really didn't think there was any problem with Excelle's price reduction to cope with the competition from Sail. Excelle sold well before, so naturally there was no need to lower the price, but now isn't the competitor coming? Since everyone wants to compete with each other, Naturally, the price must be reduced, and Huateng Industrial Group is its own national car brand, while the opponent is the GM of the United States. Even if it wins this "war" by reducing the price, Chen Haiyang feels that this is something to be proud of.

But now Zhang Qihang listed the reasons why the price cannot be lowered, which instantly scared Chen Haiyang into a cold sweat: I am too confident...

Yes, in this era, the vast majority of ordinary people believe in the simple truth of "you get what you pay for". Originally, the Excelle sold the Competition Euro more expensive, but don't forget that the Excelle's body size is larger than the Competition Europe, and the engine displacement It is also in line with the common people's simple cognition of "you get what you pay for".

But if Excelle lowers the price to the same price as Sail or even a little lower, let alone whether Huateng Industrial Group will lose money, what will ordinary people think of this matter?Will you be muttering in your heart: Such a big car is sold so cheaply, isn’t it really cutting corners where you can’t see it?

Even if they didn't think of this for a while, would Huateng Industrial Group's competitors let go of Huateng Industrial Group's mistake?As long as their propagandists secretly tell consumers: "Folks, the principle of 'you get what you pay for' is never wrong. You see, our Sail starts at 10 because of our cost. It's right here, but this car as big as the Excelle only sells for 10... Don't you think it's not right?
If you think about it again, the car is different from the sofa and refrigerator at home. The worst case is that the sponge of the sofa will lose its resilience after two years of use, and the refrigerator will not cool. The situation is not so bad. In the end, it means spending money to change the sofa and refrigerator, which will not affect your personal safety.But the car is running on the road, so something happened to this thing... right?We dare not say how miserable it will be then! "

Become!

With such a saying, consumers are afraid to buy Excelle even if they are killed. What the common people are best at is to make up their minds: they are right, you get what you pay for, this Excelle is so much bigger than the Euro, but it sells It's so cheap, it must have been cut corners somewhere.

And the saying that the car is running on the road is even more correct. At that time, the car must be able to save lives, but if the Huateng Industrial Group really secretly poked and cut corners for Excelle, when the car accident happened, originally A car that can save lives will not only fail to save my own life, but may even become my own murderer!
Thinking of this level, Chen Haiyang nodded again and again: "Xiao Zhang, you are right, you really can't lower the price, but if you don't lower the price, SAIC GM is not a good person, you can't just watch it?"

Zhang Qihang smiled and said: "What you said is that we definitely can't just watch and do nothing, so we did discuss an idea before and just wanted to report it to you."

Speaking of this, Zhang Qihang paused, and said: "Our idea is really impossible without the support and coordination of the province."

Ok?
Zhang Qihang has an idea to deal with it?

Chen Haiyang's heart skipped a beat. He was not afraid that Zhang Qihang would have ideas, but he was afraid that Zhang Qihang would not.So upon hearing this, he immediately said: "If you have any ideas, you can just say it! As for support, don't worry, as long as your ideas are feasible, the provincial government will definitely stand by your side!"

Just kidding, with the continuous development and growth of Huateng Industrial Group, the leaders can't wait to hold Huateng Group in their hands. As long as they say they want stars, they won't bring them to the moon.

"Director, that's the case," Zhang Qihang said, "You also know that over the years, under the care and care of the leaders, our group's Feiyan bus and Huateng Isuzu luxury highway bus have developed well... ..."

"Um……"

Chen Haiyang responded and signaled Zhang Qihang to continue, but he felt that Zhang Qihang's words were too modest.

The reason why I have such an idea in my heart is because Feiyan Bus and Huateng Isuzu luxury road buses have developed well over the years. Just last year, the road bus business of Huateng Industrial Group achieved the third largest sales volume in the road bus industry. , second in sales, has become one of the top large-scale road bus manufacturers in China!

How can a regional-level bus assembly plant with an annual output of two to three hundred road buses, an annual profit of only tens of millions, and a sales area limited to the province and surrounding areas become the second in the industry today? Can you describe Zhang Qihang's ability?

Zhang Qihang went on to say: "The development of our road bus business to today's level is inseparable from the bank's support for us..."

Understood!
Hearing what Zhang Qihang said, Chen Haiyang understood in his heart what this guy wanted to say. He was very clear about the cooperation between Huateng Industrial Group's bus department and the bank, but he kept silent and listened to Zhang Qihang continue. Let's go on... If one is not careful and guesses wrong again, how embarrassing it is?
"Through these years of practice, we and the banks have found that our people still pay great attention to personal credit. Among the loans issued, the proportion of bad debts is very, very low, and even those bad debts, according to our investigation, found that It is also because of a major change in the customer, which is an irresistible factor." Speaking of this, Zhang Qihang took a breath, and his tone became more serious: "So when we held a meeting to discuss how to deal with the impact of SAIC GM, some of our comrades proposed , since our common people attach so much importance to personal credit, can the car mortgage loan business be covered in the car field?"

Speaking of this, Zhang Qihang couldn't help but want to complain about the current domestic financial management system: Last year, the total annual sales of domestic cars reached more than 180 million, and this year it has steadily exceeded 200 million, but the country is still Auto manufacturers are not allowed to set up auto finance companies.

Because the state does not allow auto manufacturers to set up auto finance companies, companies such as Huateng Industrial Group want to engage in auto mortgage loan business, so they can only cooperate with banks, which is a bit like an intermediary, earning some handling fees and Most of the hard work was paid off by the bank...

So maybe when it comes to this, some brothers are curious, when was the first domestic auto finance company established?What is the name of this magical enterprise?There is nothing to say about this. This powerful auto finance company is called SAIC Finance, and it was established in 2002.

Chen Haiyang on the other end of the phone thought for a while, and finally said: "Well, this idea is not bad, let me tell you about your specific ideas."

"Okay," Zhang Qihang said, "If car mortgage loans can be covered for personal use, then users only need to make a down payment of [-]% to get their favorite new car. Taking our low-end Excelle as an example, the down payment is about You can drive the car home with just over [-] yuan, and after that, you only need to change the monthly payment on a regular basis. It can be said that the threshold for users to buy a car is greatly reduced, allowing users to realize their dream of owning a private car in advance.

Considering that road buses are essentially means of production and are used to make money for car owners, while cars are pure consumer goods that can hardly bring benefits to car owners. In order to ensure that the bank can safely recover the loan, after repeated discussions, It is believed that the car mortgage loan project should be limited to civil servants in government departments, staff in state-owned enterprises and institutions, and those who hold middle-level or higher leadership positions in foreign companies;
Of course, if someone is not in this range but wants to buy a car, it is not impossible, as long as he can find these people to provide him with guarantee, there is no problem. "

"Civil servants of government departments, staff of state-owned enterprises and institutions, and managers above the middle level of foreign companies?" Chen Haiyang thought for a while and nodded: "The scope you have delineated is quite appropriate."

He also believes that these people have stable incomes, and it is unlikely that they will take the initiative to overdue their loans. After all, if they are overdue and are approached by the bank, should they still be human in the work unit?
Zhang Qihang laughed twice, and said: "In our opinion, this is the most suitable high-quality group for car mortgage loans, and it is also the group that can afford to buy and use a private car.

In addition, after our analysis, we believe that if users are allowed to buy cars in the form of car mortgage loans, then the number of people who are able to buy cars will be expanded by at least half on the existing basis!
In this way, not only do we not have to worry about the decline in sales, but there may even be a situation where supply exceeds demand and we need to increase production capacity. "

The previous words were not the main point, but Zhang Qihang's last sentence firmly hit the most itchy place in Chen Haiyang's heart: What?If this car mortgage loan business is promoted among government officials, staff of state-owned enterprises and institutions, and managers of foreign companies, not only will there be no need to worry about the decline in sales of Excelle, but there may even be a great possibility that new production capacity will be needed?
How could Chen Haiyang bear it?He immediately asked: "Xiao Zhang, are you serious? If you want to start the car mortgage loan business for these groups according to what you said, do you really need to increase production capacity?"

Zhang Qihang smiled and said: "Director, I only know a little about finance, but you can consult the comrades in the bank and see what kind of answer the comrades in the bank will give."

Speaking of this, Zhang Qihang paused, and said: "Besides, it's better to be cautious about such a big matter. I also suggest that before implementing this measure, please ask the comrades in the bank to help do a risk and value assessment."

It was fine if Zhang Qihang didn't say these words, but after hearing Zhang Qihang's words, Chen Haiyang became more confident: Is Zhang Qihang so confident in this method?How dare the province invite the bank to do a risk and value assessment?
But having said that, if this method is really as Zhang Qihang said, it is not only feasible, but also requires Huateng Industrial Group to expand its production capacity. The living and travel conditions have been improved, and the bank has obtained high-quality customers. The Huateng Industrial Group has not only resolved a crisis, but can also contribute more profits, taxes and dividends, and stimulate the economic development of the province to a greater extent. , It can be said to serve multiple purposes!

Thinking of this, Chen Haiyang suppressed his excitement, and said to Zhang Qihang: "Okay, I understand what you said, so, Xiao Zhang, write a report to me."

"Ok."

Zhang Qihang quickly responded.

------------

Zhang Qihang still underestimated how much the province attaches importance to this matter!
After finishing the call with himself, Chen Haiyang couldn't even wait for Zhang Qihang's report. After contemplating for a while and sorting out his thoughts, he contacted the secretary of the main leader in charge of economic development in the province. After being in the office, he immediately expressed that there was an important situation to report to the leader, and asked the secretary to help arrange the time.

As Chen Haiyang, the secretary naturally did not dare to neglect, and quickly helped Chen Haiyang make arrangements.

In the afternoon, in the leader's office.

The main leader in charge of economics naturally understands economics, and even has quite in-depth research on economics. After listening to Chen Haiyang's report, he immediately slapped the table excitedly: "The idea of ​​Huateng Group, the overall idea is not problem, very doable!"

Seeing that the leaders who understand the economy are so excited and happy, Chen Haiyang felt confident. He tentatively asked, "Then... I will ask the comrades from the bank to do an analysis after I go back?"

The leader thought for a moment, then shook his head and said: "This matter not only has a major impact and benefits on the banking system, but if it is done well, it will also be a big benefit to the economic development of our province... In this way, I will cooperate with other Several comrades negotiate and communicate, and strive to organize a seminar composed of comrades from the banking system, the Provincial Development and Planning Commission, the financial system, and the taxation system. Let everyone sit together and discuss Comrade Zhang Qihang from various aspects. this idea."

Hearing that the leader said that he would organize a seminar held by the bank, the Provincial Development and Planning Commission, the financial system, and the taxation system, Chen Haiyang was taken aback, and couldn't help but said, "This...isn't it too grand?"

"So grand? Where is this going..."

Hearing what Chen Haiyang said, the leader smiled: "Comrade Haiyang, let me tell you this. Although there are only four departments participating now, there may be several more departments participating in this seminar in the end."

"..."

Chen Haiyang was speechless. Only then did he realize that he still underestimated the impact of Zhang Qihang's suggestion and its significance to the economic development of the province.

(End of this chapter)