"Based on your company's conditions, we at Xinyuan Guarantee have specially set up a professional financial processing model." Xiao Wang slid the laser pointer and jumped to the next page, with a vertical row of bold red letters appearing on it.

"In terms of procedures, we do not require any proof of guarantee for car loan buyers, as long as they have a fixed occupation and residence, stable income and repayment ability, and good personal credit."

"In terms of down payment, it is also different from the bank's minimum starting payment of 30%. Our conventional loan minimum amount is 20% of the car price, and the repayment time is long and can be extended to five years! And there are no mortgage fees.

, reducing the difficulty of reviewing loan information. In addition to conventional loans, we will also regularly carry out zero-down payment activities for 4S stores under Hengcheng Group to stimulate consumers to purchase cars and help Hengcheng Group expand sales."

Zhao Gen asked further, "What about the interest? This is what I am more concerned about. Can you tell me about it?"

Xiao Wang smiled slightly, stopped what he was doing and said: "The interest will definitely be higher than borrowing from a bank. After all, our approval time is faster and the difficulty of approval is low. And if the interest is higher, your company and we will have more profits, right?

?”

Zhao Gen nodded. He had very few contacts with private financial companies, almost none. After all, there were very few such companies in China, and not many of them appeared even in the past two years.

Liang Botao has a keen sense of smell. After exiting the venture capital industry, he immediately focused on emerging fields.

Next, Xiao Wang continued to tell a series of information about financial loans, especially the scarcity of Hengcheng Group, which he explained in great detail.

This is what the boss specifically asked of him before he came here. He must let everyone in the Hengcheng Group understand clearly that Xinyuan Guarantee and them are equal partners. The two sides are complementary and win-win, rather than one party asking for something.

the other side.

After a long time, Xiao Wang wiped his sweat and returned to his position. His task for today was basically completed.

He has been preparing for this speech for a long time. Judging from the current results, it seems to be pretty good. He can feel this from Liang Botao's approving eyes.

Liang Botao looked happily at Lu Heng and others, spread his hands and said: "Director Lu, Mr. Zhao, what do you think? The conditions I have given are acceptable! From the establishment of various services, they are all standards created for Hengcheng Group

Specification."

Lu Heng and Zhao Jing looked at each other, and seeing each other nodding, they knew that he was also satisfied with the series of conditions given by Xinyuan Guarantee.

For the current Hengcheng Group, these convenient financial services can indeed promote the development of the group.

If the negotiations are indeed concluded, it can be foreseen that in the next few years, Hengcheng Group's profits will be able to increase by a few percentage points in the original upward trend, which is not a small amount.

And the account is not calculated as one plus one equals two. In many cases, the smooth implementation of one point can trigger a series of chain reactions.

For example, if the customer loan approval rate increases, the number of car purchases increases, and the sales of the major brands that Hengcheng Group represents increases, it will also be able to obtain more preferential terms from manufacturers.

The more discounts you get, the more they will be fed back to the 4S stores below, increasing more sales.

In this way, a virtuous cycle is formed.

However, Lu Heng's ambition did not stop there. He curled his lips and expressed his thoughts.

"Mr. Liang, I have to say that you are very sincere about this cooperation. These conditions leave us no room to refuse. But I am wondering if you can increase the interest on the loan to us.

I don’t want much, just add one more and it will be enough!”

Liang Botao frowned and said displeasedly: "Director Lu, you are forcing yourself to do something difficult! According to my plan, your four-to-six share is already the most favorable distribution method. If we cooperate like you in a bank, we can

It’s a problem if you can’t get 30% of the rebate, I’ll give you 40% which is kind enough!”

Lu Heng smiled and said nothing, shook his head and refused to accept.

"And you think, if the loan is approved, we will immediately transfer the full price of the car to your company account, which can greatly solve your capital turnover problem." Liang Botao said without giving up, their loan interest is indeed higher than that of banks.

It's a lot, but if it's split 50-50, they won't make much.

However, Lu Heng still disagreed and seemed to be stuck here.

Even Zhao Jing and others next to Lu Heng almost felt that Lu Heng was really pushing the envelope a bit. In their opinion, the conditions proposed by Liang Botao were already favorable enough.

Liang Botao gritted his teeth and said unwillingly: "Okay, I agree to your 50-50 split. But does that mean you will agree to the five-year cooperation terms?"

Lu Heng immediately said with a smile: "Of course, I believe that in the next five years, we will have a pleasant memory of cooperation. Oh, by the way, I have another request, and I hope Mr. Liang agrees."

"What, more!"

Liang Botao's eyes widened and he looked at Lu Heng in disbelief. Isn't this young man a little too aggressive?

Tian Xiaobing pursed her lips and tried not to laugh. Her boss seldom suffered losses when negotiating business, and he always took advantage of those he could.

This time, Xinyuan Guarantee came to the door for help. Even though it tried its best to elevate its position to equal cooperation from the beginning, in Lu Heng's view, it could still be manipulated.

Lu Heng looked at Liang Botao sincerely and said, "Mr. Liang, don't worry. I told you, this is a request, you can consider it, and it will not affect our five years of cooperation."

Hearing what Lu Heng said, Liang Botao also relaxed. This is right, young people should know how to advance and retreat.

"Come and listen."

Lu Heng took a deep breath and expressed the condition that he had suppressed for the longest time.

"I hope that in every Hengcheng Group 4S store, employees belonging to Hengcheng will participate in the financial points set up by Xinyuan Guarantee. At your headquarters, I also require a person in charge to be stationed for a long time, and that both of us can

Conduct regular exchange activities to promote cooperative relationships.”

Liang Botao frowned, not quite understanding what Lu Heng was thinking. Was he trying to help them share the manpower pressure?

After a moment, Liang Botao's expression changed, and he looked at Lu Heng uncertainly. He guessed what Lu Heng was thinking.

Zhao Jing, who had been sitting next to Lu Heng, was startled and excited for a moment almost the moment Lu Heng said this request.

"Mr. Liang, what do you think of my request?"

Lu Heng looked at Liang Botao seriously and smiled harmlessly, as if it was okay if Liang Botao didn't agree.
Chapter completed!