"Okay, okay, don't guess randomly, I won't tease you anymore. What we want to do is indeed a company with sales as its main business, but our sales method is a little different from that of other shopping malls or stores. The biggest difference is that our products can be paid in installments." Chen Kangjie said solemnly.

"Installation payment? Isn't that just like buying a house and buying a car?"

Installment payment is no longer a new concept, especially when buying a house, most people rely on installment payments to complete their business. After all, it is not easy for ordinary people to spend so much money at once.

This concept is even more familiar to students of the University of Technology and Business, and there is nothing special about it.

"Well, yes, that's it, that's why I said I can't live without finance." Chen Kangjie nodded.

"Boss, you plan to sell furniture in installments? Mobile phones? TV? I have never heard of anyone doing that. These are ordinary mid-range products, not as large as houses and cars." Chen Wenjie, who was extremely enthusiastic just now, now has a hint of suspicion.

They wanted to make money with Chen Kangjie, but this does not mean that they do not have any basic rational judgment ability. If Chen Kangjie's idea is unreliable, they would not bury their heads and bump them up.

"We have to do it because others have not done it. If there are so many people doing it, what opportunities do we have? I don't want to fight and compete in a red sea. Why don't we do it with such a good South China Sea? In fact, there are opportunities every day, it depends on whether we can catch it." Chen Kangjie did not feel dissatisfied or indignant because he was suspected. Instead, he supported this ability to judge independently.

"Chen Wen, but I have to say that the South China Sea, which has never been to, is also the most dangerous. We don't know where there are shallows and where there are reefs." Tan Jian's own excitement and excitement suddenly cooled down.

"Yes, but I don't know whether there is a New World or an uninhabited island. Of course, this is just my proposal and idea. Whether to participate or not, the decision is still in your hands." Chen Kangjie did not force the ball, nor did he refuse. He was responsible for running the ball into the air just like the referee at the beginning of the game. How to grab it is not his business.

"Frankly speaking, I really didn't expect that what you were going to do would be this." Chen Jundong himself was a little depressed.

"You can think carefully about it. Profits and risks coexist, with great risks and great profits. In fact, for us, what we need to do is just how to reduce risks, which is the key point. What I can tell you is that this is indeed a great opportunity, and someone has been doing it decades ago."

"Someone did it decades ago? Then why don't we know?" Ge Zihao seemed puzzled and unbelievable.

"Of course, it's just that the people who do it are not in China. More than 40 years ago, in Japan in 1955, they had a rise to the model of purchasing household products through installments. This sales method lasted for twenty years. By 1975, with the significant increase in their national wealth, it basically disappeared. Instalments not only helped Japanese residents obtain some necessities for their living standards in advance, but also in turn promoted the development of many industries, such as the home appliance industry. The development period of our country was roughly the same as in Japan's 1960s and 1970s, so what I mean here is not

It is the total amount, the income and consumption level of the family. Chen Wenjie just said that mobile phones, TVs, furniture, etc. are some mid-range products, and the amount is not as huge as houses and cars. Have you ever thought that now, our ordinary people, not farmers, just the residents of the city. How many people can easily take out thousands of yuan to buy a camera, tens of thousands of yuan to buy a set of audio or furniture, two or three thousand yuan to buy a mobile phone, etc. How big is this proportion? Do they don’t like this kind of thing? Or is their income not enough to support it?" Chen Kangjie began to explain and guide them.

"Maybe 70% of residents cannot consume loosely," said Tan Jian.

"As for whether it is 70% or 80% or 50%, a detailed survey data is needed, but one thing is certain, a lot of people should have difficulties. Even the iron rice bowls of some public institutions, according to their current income level, are not enough to make them reach the level of arbitrary consumption," said Chen Kangjie.

"But our consumption habits and our culture may not support everyone in advance." Chen Jundong said.

"Then why do people accept consumption of houses and cars in advance? Is it because they are large commodities? I don't see it. In addition, we all know that consumption can also be cultivated. There is no such service in the market now. Even if they want to consume that way, there is no channel or channel. Of course, whether they will accept this method, we cannot make subjective speculation. This can be obtained through market research. Only when we collect a large amount of data can it become the basis for our decision-making." Chen Kangjie is like a tutor, teaching his friends and brothers how to engage in business.

To promote installment payment consumption, Chen Kangjie didn’t appear when he was angry?

4000

??'s idea. Not to mention that this kind of consumption was already common before he was reborn, but more importantly, he felt that the economic and social environment currently facing China was the most suitable.

On the one hand, many domestic enterprises are overproduction now, such as home appliances. We have almost become the largest producer of TVs, refrigerators, washing machines and other products. On the other hand, these things are not as popular as we imagined in our general families. Even in cities, many products are "high-end products" in ordinary families, such as cameras, air conditioners, computers, mobile phones, high-quality furniture, etc.

Most people need these products because they can improve their quality of life. However, these things are currently expensive, especially compared to the generally slow-growing income.

A teacher who earns more than 1,000 points and asks him to buy an air conditioner worth more than 3,000 yuan, which requires him to not eat or drink for about a quarter. The pressure is quite large.

If these mid-range goods can be paid in installments, it will not only improve the lives of many people, but also allow them to enjoy the quality of life they should have at that time three or five years in advance. At the same time, it can also help our companies release their generation and further increase employment and tax revenue.

Now, investment and export are the dual engines of our economic development. Only a few people here will say consumption. In fact, consumption should be at a very important position. The reason why everyone doesn’t mention it is because consumption contributes to the economy is not high, and the consumption capacity of ordinary people is more than two levels lower than that of European and American countries.

From the perspective of economic development laws, an economy that lacks consumer support is very troublesome. Once exports are blocked, the economy will experience severe turmoil.

Fundamentally speaking, the ultimate goal of a country's economic development is to benefit ordinary people. However, our economy grows rapidly every year, but the income of the people cannot catch up with, and the changes in life cannot catch up with. Over time, social conflicts will gather.

Although installments cannot substantially increase the income of the people and make everyone's wallets more prosperous, they can improve their lives to a certain extent. Moreover, when consumption contributes to economic growth, it can cause more people to understand consumption and income from the top to the bottom. Therefore, in terms of policies, there are many biases to increase the income of the people. For example, salary increases, improvement of social medical insurance, increase investment in education, and provide more affordable housing.

Historically, the consumption of these goods in installments only started in 2001. This is not a complete coincidence, but a need after the economic and social development reached a certain level. Chen Kangjie just caters to such needs.

Chen Kangjie's words aroused Chen Jundong and the others' thoughts. They no longer doubted or were simply excited, but began to think about its feasibility and operational methods.

"Boss, then what should we do? To be honest, I'm a little confused now. Since it was proposed by you, you should have a comprehensive consideration. You said, how do we start?" Chen Wenjie thought for a while, and then asked frankly.

"If you want to do it, you have to solve two problems first. First, you need to do a comprehensive market understanding and survey, that is, you need to determine whether there is a market and how big the market is. We cannot simply view statistical data, statistical data from the statistical department, which is just a reference. In this process, we can understand the willingness and acceptance of the people. Second, we need to control risks. After all, consumers do not make a lump sum. They may just pay 10% or 5% and take away the goods. Then, there are certain risks here. Only by controlling the risks, or within a certain acceptable range, can you do it. If you are really interested, then these two problems will be left to you to solve. Only by participating in them personally will you feel deeply. If these two problems are solved, the difficulties will be equal to half overcome." Chen Kangjie said calmly.
Chapter completed!