Mr. Miao is obviously interested in this car loan, which is a good treasure that drives sales.

"Can you introduce this?"

"No need, this area should be fully liberalized soon. You can ask someone to negotiate with the bank, or just wait for the policy to come out. We are a little different from you, we sell it ourselves."

For car companies like the Second Manufacturing Factory that rely on dealers to sell, there is no need to go to the bank to negotiate by themselves. Fengcheng is different. Fengcheng sells itself and can negotiate the conditions directly.

Of course, there are also benefits for car companies to discuss, that is, they can discuss some favorable conditions for their own brands, but there are also disadvantages, that is, they limit the loan channels for car buyers.

The most important question is who eats the meat.

Later, this area was basically eaten by agents and dealers from all over the country, which was a considerable investment.

Of course, this problem does not exist at this moment, and even these industry insiders do not know the tricks here.

There is no problem in Fengcheng, and Fengcheng itself has a bank.

After the New Year, East Asia and the newly integrated Harrods Bank obtained a license from the People's Bank of China, and could develop business within the domestic regulations and establish branches.

Although it is not possible to recruit private deposits, it has taken a big step, a key step.

For example, loan business, credit card business, financial services and wholesale business.

Besides, there are Beijing merchants and Chongqing merchants who cooperate in the side, which are two major helpers.

The product loan of Luzhou Automobile Manufacturing Factory is to cooperate with Beijing merchants and Chongqing merchants, and do not interfere with each other in the south and the north.

Two regional banks are taking advantage of this opportunity to expand wildly, setting up locations in various cities, and installing ATM machines in shopping malls and supermarkets under Fengcheng.

Including Guomin Electrical Appliances, Phoenix Furniture and Gezhi Electronics stores, loan specialists will be dispatched in various stores of Fengcheng Automobile Sales Center in the future.

As soon as the two banks went to work after the New Year, their mouths were almost bursting with laughter. What is this? This is the ladder to the upper hand.

It can be imagined that in a year or two, Beijing Business and Chongqing Business will definitely sit in the seats of major banks and go hand in hand with the four major banks. This is the benefit of choosing shareholders.

Actually, no one has ever thought of this problem.

Liu Qiuqiao invited Sun Hongye to join Mingsheng Bank, but Sun Hongye rejected it on the grounds of having a foreign banking background.

"Actually, we should have let go long ago. We are always hesitant about what to do. When it is time to hesitate, it is like taking stimulants."

Mr. Miao shook his head: "It seems that you are quite confident in your products."

"It's okay." Zhang Yanming nodded: "It can basically meet my ideas and requirements. As the basic model of Luzhou, it's enough, and it's enough to upgrade it in the future."

"Who asked to design the appearance? I heard you have a good relationship with Wolfburg?"

"The appearance of these models was designed by me myself. The technicians have made some optimizations and will introduce high-end professionals in the future. This depends on the specific situation."

"You, you designed it yourself?" Mr. Miao's chin almost fell off.

"Well, underestimate me? I am a top student in the real industry and can show off my bare hands."

Mr. Miao smiled bitterly again: "I am really looking forward to it. I really want to see the products of your factory."

"Have you seen it?" Zhang Yanming was surprised. He thought Miao had seen his own products before he came to find a partner.

"No." Mr. Miao shook his head: "I came to Beijing for a meeting and came here to visit. I now know a name, Luzhou Baogongci Automobile Manufacturing Factory.

Speaking of which, I was still studying in Luzhou in college. I have been studying for twenty years now, and I don’t know what it has changed there. Can you visit and study there, right?"

In fact, he only knew this name yesterday.

He must have known the above big moves, including the layoffs and integrations of the old factories related to eight automobiles, but he is not so clear about what is going on.

Moreover, it is a heavy engine and a bus, so he didn't think about it on the car. You have to know where the production difficulty of the car is.

Then there was no movement. At first, I followed it, but later I forgot about it. After all, I didn’t have much to do with me.

This time I came to the meeting and heard his old leader talk about the Luzhou factory. They produce sedan SUVs and bus trucks, which are quite complete.

The most important thing is that Luzhou Factory and Wolfburg and Fiat have specific and extensive cooperation, which is the starting point and purpose of his visit.

His old leader said that Luzhou Factory has a large number of international automobile-related technical patents and some patents used, which can be said to be explicit at this point, so he came.

Patents, if you can get a hole, you can save a lot of money in that year. This is net profit.

"Some of them can be done," Zhang Yanming nodded: "In addition to some confidentiality units, there are research institutes, and others can be visited. We also welcome domestic car companies to communicate."

"Confidentiality?"

"Speaking of this, we are considered to be a peer in this regard, but the direction is different."

After hearing this, when Mr. Miao looked at Zhang Yanming's clothes, he understood that the Second Manufacturing Factory had a lot of military orders.

"About this part, I will go to you if you don't come this year," Zhang Yanming glanced at Mr. Miao: "We can take out some skills, but only this part."

“What about specific?”

"Engine, heavy engine, chassis, suspension. I will give you whatever you want, and building a good car is the key."

"That's the cost?"

"Why, do you want to use it in vain?"

"No, no, how is that possible?" Mr. Miao waved his hand with a smile: "But can it be cheaper? Now this area is already a big expenditure for our domestic car companies, and it sounds heavy."

"It's good to follow international practices. We don't do the extra money. If you need technical support or production, we will discuss it later."

"Can you still produce it on behalf of the engine?"

"Yes, we promise to be one of the best engine factories in the world, without any blow."

"What is the source of technology?"

"I packed Bologna...this needs to be kept confidential." Mr. Miao's level was there, and there was something to say.

“…”

"At the same time, we, Wolfburg and Fiat, jointly established several research institutes, including the engine part."

Mr. Miao felt like he was dreaming, and the news could be said to be quite explosive. People outside the industry may not feel anything, but as a practitioner, he knows what it means.

"In other aspects, the relevant patents for passenger cars..."

"We can discuss theirs, I can help you with the details, and we have to discuss them yourself. However, you can't cooperate with Citroen, right?

I heard that you are still in contact with Nissan and Southern Dynasties car companies, so there should be no shortage of relevant technologies."

"The cost is too high." Mr. Miao shook his head. This is just an idea. Even if it is a joint venture, it cannot be avoided. He must obtain this cost unless he leaves the others alone to play.

"No hurry to accumulate this, as long as you are willing to invest in scientific research, you can get out sooner or later."

Mr. Miao nodded and was about to go back and started working hard on this part.

Of course, it is best to cooperate with Luzhou to study, but now the differences between the two sides are a bit big, so he is embarrassed to speak out.
Chapter completed!