rebirth of change

"Chen Wen, congratulations, you have obtained a certificate of outstanding student cadres. With this in the future, it will be much easier for you to find a job."

"A treat, you want a treat."

"Even if you don't get the commendation, you still have to treat. You will run away when you are on vacation. The three of us take turns to watch the Internet cafe."

Back in the dormitory, Chen Kangjie's three roommates immediately scrambled to "beat the local tyrants".

"No problem, it's just a treat. It seems that you would be unwilling to be slaughtered by you at the beginning of school. But you have to wait a while." Chen Kangjie has never cared about spending a small amount of money to enhance his relationship.

Chen Wenjie and the others thought that Chen Kangjie gave them the Internet cafe to take advantage of them. How did they know that Chen Kangjie was almost giving them the Internet cafe.

"Wait a while? Why?" Ge Zihao asked.

"Wait for Tan Jian to come, if I only invite you, then he will know, and he will complain in front of me again, saying that I favor one person over another, which is meaningless." Chen Kangjie put the red certificate in a drawer and locked it.

Although he has won numerous awards since he was a child, this is the first time he has been recognized by the cadres of the outstanding student union. This is very likely to be the only certificate in his university. Moreover, this award certificate has no value, so Chen Kangjie cherishes it.

"That's true, that kid has a bit of a temper now, Chen Wen, have you notified him?" Chen Jundong nodded.

"I..." Before Chen Kangjie could answer, someone knocked on the door.

When Ge Zihao opened the door, Tan Jian strode in.

"It seems that I didn't come late, I thought you left me to enjoy it again."

"Damn it, you are a good ear, did you hear that Chen Wen is going to invite us out for dinner?" Chen Wenjie put his arms around Tan Jian's shoulders.

"Cut, it's not that you guys don't know what kind of virtue, seeing Chen Wen won a certificate of outstanding student cadre, can you let him go easily? Don't be funny, buddies, is it a matter of a day or two to deal with you? "Tan Jian said carelessly.

"Okay, okay, come and sit down, let's talk about some serious business first." Chen Kangjie beckoned to Tan Jian and Chen Wenjie.

"Talk about business? What are you talking about?"

"Boss, what business do you want to talk about?"

As soon as he heard that Chen Kangjie was going to talk about something, and he specifically indicated that it was a serious matter, Chen Wenjie and Tan Jian immediately crowded in front of him, and by the way, Chen Junping and Ge Zihao also surrounded him.

"Find a seat and sit down by yourself. Seeing you like this, can I eat if I want to?" Chen Kangjie waved his hand, pointing to the stool and bed in the room.

After the four of them found their seats and sat down close to him, Chen Kangjie said: "The serious thing we want to talk about is the business we talked about last semester. How about the tasks assigned to you earlier?"

Before, Chen Kangjie assigned tasks to them, asking them to investigate and understand the market by themselves, and set how to manage and control risks by themselves.Now that he is free, this matter can be put on the agenda for implementation.

"It turned out to be this. I thought you had forgotten it. Because of this, I didn't go back during the holidays. I stayed with the three of them in the Internet cafe for more than a month." Tan Jian patted the table in front of him and said.

"Wait a minute, I'll take out the materials we prepared, and I want to call you to discuss this matter during the holidays, but your calls are always unanswered." Chen Jundong opened the drawer of the desk next to his bed as he said. , and took out two stacks of materials from it.

Since Chen Kangjie was abroad most of the time during the holidays, his mobile phone at school was useless, and of course they couldn't get in touch if they wanted to.

Chen Kangjie took the information, flipped through it in his hands, and said, "Okay, let's talk about the results of your investigation and research."

"First of all, I want to say that your idea is really feasible. According to our understanding and research on Renben's stage, they have indeed adopted the method of installment payment to sell a large number of mid-range goods, which has enriched the lives of their locals. It also solves the problem of production capacity and expansion of enterprises. According to statistics, the national income of Japan at that time was similar to ours now. If we look at the statistics of our country and our province in the past ten years, the proportion of color TVs is slightly higher. But the proportion of refrigerators, air conditioners, mobile phones, cameras and other items in the homes of ordinary residents is still relatively low..." Chen Jundong said.

"I would like to say this again. Through our understanding and investigation of surrounding counties and cities, the proportion of the things Chen Jundong mentioned just now is higher in the provincial capital, but when it extends to the prefecture-level cities and counties below, the penetration rate is lower. It is clearly a downward trend in a slash." Ge Zihao added.

"However, in the more than 1000 documents we surveyed, their acceptance of installment payment is reversed. The people we surveyed cover almost all social classes, civil servants, public institution personnel, private enterprise employees, and college students. , even retirees, etc. Geographically speaking, the larger the city, the higher the degree of acceptance, and the smaller the city, the lower the degree of acceptance. According to our analysis, this is not only related to local economic development, but also to The degree of acceptance of new things is related to the openness of the local area and the convenience for them to obtain information," said Chen Wenjie.

"Through the analysis of the age and education statistics in the questionnaire, this is confirmed. The younger the age, the higher the education, the easier it is to accept. We have drawn a range, and the age of 20 to 40 is the most acceptable. More than 60.00% of those who can rationally choose this consumption method have a college degree or above.” Chen Jundong continued.

"Then in terms of career, what do you come up with?" Chen Kangjie continued to bury his head in reading the materials and asked.

"In terms of occupation, there is no obvious distinction. If you look at the survey data, civil servants are willing to accept it, and public institutions are not low. Even ordinary salesmen, deliverymen, waiters and some college students are also willing to accept it. This is an advance consumption model. Occupation is irrelevant, what matters is income. You can clearly see that if the personal income exceeds 70.00, and the family income exceeds [-], this willingness will decrease. Yes, almost all of them have maintained an acceptance rate of more than [-]%." ​​Tan Jian replied.

"Then what have you thought about risk control?" Chen Kangjie continued to ask.

"It is true that risk control is the most difficult thing. From the perspective of the market, this matter is very successful, and the market will be huge, but if it is not done well, it will be ruined. Since things are sold in installments, If there is a high proportion of breaches of the contract, it will be too much to eat." Tan Jian said seriously.

"We have calculated that once the default rate exceeds [-]%, we will suffer losses. Therefore, there is a threshold to limit the default rate to less than [-]%. In order to achieve this goal, we must first legally Solution, the sales agreement must be a complete document that can be investigated for civil and criminal liability. In this regard, we not only studied the contract law, procedural law and other laws, but also consulted several legal experts from our school. This can be resolved. The second is identity verification. For each consumer, we must be able to verify their identity information accurately, otherwise, the previously signed agreement will be invalid. The third is to have a professional Distinguish, or before we have practical experience, we'd better choose a career with a relatively high safety factor, such as civil servants, staff in public institutions, etc., fourth...fifth..." Chen Jundong said.

"I would like to add that a teacher told me that we had better need the consumer's income certificate, which means to ensure that he can have enough stable income to repay the loan on time. It's just that this income certificate is more difficult to verify than identity information." Ge Zihao interjected.

Regarding their narration, Chen Kangjie, who already had a solid foundation in his heart, did not comment, but changed the topic in a different direction.

"In terms of specific operations, how do you think about it? Do you have a mature idea?"

"This...we only have a little experience in running Internet cafes, and the installment payment operation involves a much larger amount of funds, which can be tens of millions." When it comes to specific operations , Ge Zihao hesitated.

"We are still not sure how much we need to invest to leverage this project. First of all, we need a large store, and it is best to connect the sales area with the warehouse. Secondly, in order to publicize, we also need to advertise. The first The third is that we need to decorate and recruit employees. The fourth is that we need to have sufficient advance funds. The upstream merchants may be willing to shop for some goods, but they need to settle the payment in cash. This is the current common practice, and the advance funds It is a bottomless pit with no upper limit, and this is the most difficult to solve...We tried to find out about venture capital companies, but two consecutive venture capital companies kicked us out before we finished speaking." Tan Jianran He also said a few points, one, two, three, four, five, but it was obvious that the more he spoke, the less confident he was.

The market looks huge, and the profit will be very considerable. Since consumers pay in installments, there will be no discount on the price, and a certain amount of interest will be charged.But to actually operate it, the difficulty is really not something that a few young students can easily handle.

Whether it is investing in opening a store, finding funds, or controlling risks, each item is a mountain that can be overwhelming.When faced with these difficulties, Tan Jian and the others, who have little experience in shopping malls and little capital investment, will naturally hesitate and feel at a loss.

This kind of entrepreneurial form that not only relies on wisdom but also relies on capital investment is naturally good if it succeeds, but once it fails, the heavy burden will overwhelm them.

"That's right, you all found a venture capital company by yourself, hehe, it's not easy to get to this point, okay, let's go, let's go to eat, you do the first things, then leave the latter to me, I'll take care of it .”