PS: The third update is coming. By the way, it’s been a bit cold recently. Everyone wear more clothes, and I will wear more clothes.

Lu Heng looked at the two of them and slowly stated his third condition. It was a little vague, but the meaning was very clear.

"I need Mr. Su to vouch for me again, otherwise I'm a low-key person with no background and won't be able to get the money out."

"What guarantee?" Su Lun asked immediately.

Lu Heng explained: "This guarantee involves the plan I told you. Well, as long as you promise that the plan is feasible, you will give me a guarantee. If it is not feasible, you can ignore the first three conditions.

"

Lu Heng knew that although the money needed in his plan was not as much as Guangyuan's, it would definitely not be less. There were one or two million. He couldn't come up with it on his own. He had to rely on Su Lun's power. Su Lun's backing

There is Guangyuan Volkswagen, a behemoth with a registered capital of 10 million.

Su Lun and Liang Yixiu looked at each other, then nodded and said, "You said that as long as the plan is feasible, there is no problem in vouching for you. It's not the first time anyway."

Lu Heng smiled slightly and said, "With your words, I feel relieved."

Lu Heng loosened his grip and said seriously: "My plan is actually very simple, that is a loan!"

"Loan? Impossible. The bank will not lend me so much money at once. I tried before and was rejected." Su Lun shook his head. For some reasons, the bank would not lend to the sales company.

Lu Heng explained: "It's not an ordinary loan. The loan operation mode I'm talking about is completely different from usual. Let me describe it to you in detail. The specific operation mode is like this.

First, we register with the bank, and then take the money from the bank to buy the car from the manufacturer. Then the bank seizes the certificate of the vehicle we purchased. You all know how important the new car certificate is. Using the certificate as collateral, the bank is equivalent to

The car was impounded."

Liang Yixiu interrupted, thinking in his mind and asked: "How is your model different from before? If the certificate is seized by the bank, the vehicle we purchased cannot be sold. This is harming others and not benefiting ourselves."

"Otherwise, there is a vacuum period in vehicle sales, that is, after the customer pays the money, we issue an invoice to him, get the temporary license plate, and then he can drive away. The certificate is only required for the temporary license plate.

In this step, we can use a copy of the certificate and a good relationship with the vehicle management office to obtain a temporary license.

After the new car is sold, you can apply for three temporary license plates, one for fifteen days. This is equivalent to one and a half months, and this one and a half months is enough for us to get the certificate from the bank." Lu Heng explained patiently.

Su Lun suddenly understood and pointed at Lu Heng and said: "I asked you why you had to cooperate with the Vehicle Management Office in the first place. It is obviously not necessary now. Now it seems that you were preparing for this section at that time!"

Lu Heng nodded, it was indeed the case, but he had to continue saying something: "In these forty-five days, we must have recovered the full price of the vehicle. Then we can sell a car and use this car."

We go to the bank to redeem the certificate. In this way, in the whole process, we are using the bank's money to make a profit, which is the so-called borrowing chicken to lay eggs, and all we need to pay is interest that is insignificant compared to the profit of a new car.

"

After finishing the conversation, Lu Heng couldn't help but breathed a sigh of relief.

This four-in-one link of companies, banks, manufacturers and customers has become popular in later generations. As long as mature 4S stores basically have this operating model, first of all, the company benefits. Although it pays interest, it also gets hundreds of millions of dollars.

Thousands of working capital.

Secondly, the bank benefits. Not only does it complete the lending task, but it also gains a benefit. It can even require the company's funds to be deposited in the bank, thus completing the savings task.

In the end, the manufacturer benefits. The more cars a 4S store sells, the better their sales volume will be and the larger their market share will be, so they will definitely make money.

As for the customer, there is no loss at all. It will only be delayed for a few days at most. And this period is during the new car registration period, which does not affect the use at all.

It can be said that everyone is happy!

Su Lun suddenly said: "Your model of borrowing chicken to lay eggs is indeed possible, but there is a huge risk in it. That is, if new cars remain in inventory for too long, the interest will only get higher and higher. If

A large-scale backlog can even crush a company!"

Lu Heng smiled and said: "This risk does exist. As for how to shield it, it depends on Manager Liang's judgment and the ability of his sales consultants."

Liang Yixiu took over and said: "That's true. This depends on my judgment. I decide the company's orders. I will order whatever model sells best. If I make a mistake in judgment, there will naturally be a backlog. But I

With this confidence, I will not make mistakes. In addition, I will step up training for sales consultants and strive to make them grow."

Su Lun continued to ask: "There is no certification during the delivery of new cars. Will this affect new car sales?"

“This depends on the sales consultant’s personal ability!”

Lu Heng and Liang Yixiu said in unison, then looked at each other and smiled, thinking of going together.

Lu Heng came out of the cruel car market in later generations. If he didn't have the ability to make customers wait for a few days, he would have been killed by the cruel market long ago.

Su Lun thought for a while, sorted out the process Lu Heng said, and made sure again and again whether there were any problems.

The 4S store borrows money from the bank by mortgaging the car certificate, and then purchases the car from the manufacturer. After the purchased car is sold, the certificate is immediately redeemed from the bank and handed over to the customer, completing the entire car sales process.

Seeing that Su Lun had no objection, Lu Heng said, "Then there are only two questions left. One is whether the bank will agree, and the other is the maximum interest rate we can bear."

Su Lun nodded and said: "That's true, but let's leave this issue until we meet with the bank! Which bank to choose? Lu Heng, do you have any clues?"

Lu Heng said: "Construction Bank, Guangyuan Volkswagen has a cooperative relationship with China Construction Bank, and I have a little favor there. Besides, CCB's interest rate is not high, so choosing CCB is a decision that benefits both sides."

Su Lun agreed to guarantee, and Lu Heng was able to get the payment for the new car from China Construction Bank.

As for whether he can get a loan from China Construction Bank, Lu Heng is not worried at all. This kind of cooperation is the trend of the future, and it has already begun to sprout in Beijing and Shanghai in 2006. I believe that China Construction Bank will not be so short-sighted.

President Li Mengyue doesn’t seem to be the kind of short-sighted woman!

It was already eight o'clock in the evening when the matter was finally settled, and almost three hours had passed.

But the matter was not over yet. The three of them went to the fish shop from last time and talked while eating. Halfway through the conversation, they called He Yajun from the Guangyuan Sales Department over.

Lu Heng discussed with him the issue of profit distribution in after-sales cooperation. When it comes to interests, and with the boss on the side, He Yajun must fight for every inch of land.

Lu Heng negotiated for a long time before getting 50% of the benefits, and he also had to spend some money on the first maintenance in the early stage. Although it was not much, it was not good.
Chapter completed!