Chapter 1181 Something unexpected happened again (2 chapters merged) (1/2)

The technology in the mobile phone industry is updated very quickly, from the upgrade of 2G to 5G communication technology, from the development of biometric technologies such as fingerprint recognition and facial recognition, to the continuous progress of screen technology and camera technology, each technological change provides new brands with opportunities to enter the market.

New brands can quickly gain market share through breakthroughs and innovations in new technologies.

For example, Zhonghuajia Technology Co., Ltd. first gained a foothold in the price war, and then launched the epoch-making capacitive screen technology to determine its position in the industry.

Then, after the emergence of smartphones, it launched the first domestic smartphone, which laid the foundation for catching up with and surpassing Nokia.

In a time when consumers have more diversified demands for mobile phones, they not only pay attention to performance and configuration, but also pay attention to appearance design, photo effects, battery life and other aspects.

This allows the mobile phone market to accommodate more brands, and different brands can gain market share by meeting the needs of different consumers.

The computer industry market is different, and the brand influence is much stronger than that of mobile phones.

For a long time, computer brands such as Lenovo, HP, and Dell have basically dominated the entire market and established brand influence in the minds of consumers.

When buying computers, consumers prefer to choose well-known brands because the product quality and after-sales service of these brands are more guaranteed.

The accumulation of this brand awareness requires long-term market cultivation and investment, and it is difficult for new brands to break this pattern in a short period of time.

Moreover, after years of competition and reshuffle in the computer industry, these major manufacturers that occupy market share have extensive sales channels and customer groups worldwide.

Through large-scale production and procurement, they can reduce costs and improve the competitiveness of products.

As Chen Changliu analyzed to Cao Wenlong, he finally understood the half-understanding he had just had.

"Actually, I don't need to explain anything to you, but we are allies, so I said so much.

The reason why we, the flower grower, entered the notebook computer track is because it is a way to improve the product ecological chain.

Let's put it this way, I have talked about the Internet of Everything before, and to realize the Internet of Everything, then the notebook computer is the track we must enter.

At that time, our electronic products can realize the interconnection of smartphones, notebooks, tablets, bracelets, etc..........

You don't have to worry about whether our Internet of Everything will make people who buy our phones People only buy our laptops.

Don't worry about these, because the domestic market is big enough.

And you must remember that Mouxiang's products are not only deeply rooted in the domestic market, but the foreign market has a greater impact on you.

I remember that Mouxiang's revenue in the domestic market has been increasing since 2005, but its share of the entire group's revenue has dropped sharply. Last year, the domestic market's revenue accounted for less than 30%.

This is what you need to consider after you control Mouxiang Computer in the future... "

Cao Wenlong left, but Chen Changliu's thoughts about Mouxiang continued.

Mouxiang encountered a major crisis in the future and was scolded in China. He deserved it.

But the market share in the computer market has not declined. This is the effect of being the first domestic brand for 20 years.

But it is a bit sad to think about it, because at this time, the management of Mouxiang had already publicly stated that it was no longer called the Oriental Great Power Mouxiang, but was called Mouxiang Oriental Great Power, and even the headquarters was moved abroad.

Although they are afraid of losing some markets, from another perspective, they are too timid and too afraid of their foreign fathers.

You know that a certain company does not have its own core patents, and it only has assembly plants.

For such assembly plants, the United States is too lazy to crack down on and impose sanctions, after all, such companies are only worthy of making money for them.

Moreover, the notebook computer business of a certain company abroad is basically provided by BM. To put it bluntly, this brand is also from the United States, so the United States will not sanction you at all.

Let’s put it this way, any assembly plant in China will not be sanctioned, because you can only earn hard work fees, and the biggest profits are given to these Western technology companies.

And Western governments basically serve these large companies, so you are a carrier that helps these companies dump their products, why do they sanction you?

Just like a certain top 500 company in the domestic mobile phone track, it is also of the same nature as a certain company. The United States will not impose sanctions on it, but will increase its efforts to support it, saying that they will not lack chips, and they will also be the first to launch it globally.

After all, it can not only help them make money, but also hit the domestic supply chain. This is a two-birds-with-one-stone strategy. Why does the United States impose sanctions?

Only when you threaten the underlying logic or core technology of these companies in the United States will they impose sanctions on you.

In fact, just like the domestic Internet, a huge Internet company like Penguin Cat Factory, which is world-renowned, the United States is too lazy to impose sanctions on you, because you are building a house on the basic framework of others.

But like a certain rogue antivirus software company, the size of the company is not known to be many times worse than that of Penguin Cat Factory, but it is still sanctioned by the United States.

Because its outstanding performance in the field of network security has posed a "threat" to the United States.

A total of 54 foreign state-level APT organizations have been captured, and the United States Cyber ​​Security Bureau has also exclusively captured more than 10 years of cyber attacks and infiltrations on key domestic infrastructure, scientific research units, and government agencies.

These actions broke the United States' original one-way transparent advantage over the Eastern powers, making the United States feel dissatisfied.

Therefore, the National Cyber ​​Security Report of the United States Congress mentioned 12 times that it was the most threatening cybersecurity company of the Eastern powers.

So in essence, the subsequent behavior of a certain person was a kind of kneeling, and it was also a kind of kneeling down in fear without anyone saying anything.

Then guess what the Western dads are thinking and surrender in advance.

This is also one of the reasons why Chen Changliu despises the Godfather and the team he leads the most.

Cao Wenlong's visit was just an episode, which was nothing to Chen Changliu.

..........

After sending Cao Wenlong away, Chen Changliu and the senior management of Zhonghuajia did what they should do.

But of course no one would like to see Zhonghuajia continue to maintain positive hot searches until the product launch conference begins.

Damn, it's a fuss again.

"Mr. Chen, many old car owners have reported that they bought a car for a year and it's time to insure it, but when they went to insure it, they were told by the insurance company that the premium would increase by 20% when they went to insure it, even though they had no accidents for the whole year last year.

I know that in the second year of insurance for fuel vehicles, the premium will drop by 25%~45% only if there was no accident in the previous year, and the premium will only increase if there is an accident.

There are also cases where insurance companies refuse to insure.

Many people have complained online, so this will have a certain impact on us.

According to our investigation........."

Listening to Chen Yanfeng's report on the phone, Chen Changliu frowned slightly.

How could this scene happen so early?

This situation will not occur until the new energy vehicle is gaining momentum and is about to overwhelm the fuel vehicle.

From Chen Yanfeng's report, the increase in premiums or the rejection of insurance only occurred in some small insurance companies, and it should be said that it is specific to some companies.

Some large insurance companies did not have these problems, but if this evil wind continues, it is possible that large insurance companies will follow suit.

If the insurance premium is rejected after the increase, the reasons given by the insurance company are nothing more than a few points.

1. High compensation rate and high maintenance cost:

High frequency of accidents:

New energy vehicles have large torque and fast acceleration, and some vehicles have a more aggressive driving style, which makes the probability of accidents during driving relatively high.

For example, on urban roads, some Qin vehicles may frequently overtake and change lanes because of the good acceleration performance of the vehicle, increasing the risk of collision.

Moreover, when using pure electricity, Qin starts fast, has no engine noise when driving at low speed, and has high driving sensitivity, which is different from fuel vehicles. The driving habits are different from the traditional driving style, and there is a risk of "novice" adaptation period, resulting in a high frequency of accidents.

Expensive maintenance costs:

Qin's core components such as batteries, motors, and electronic control systems have high technical content and expensive manufacturing costs. Once damaged, the cost of replacement or repair is high.

For example, the price of the battery pack of the Zhonghuajia Qin is very expensive, and the supply channel of auto parts is relatively single, lacking market competition, and the price is difficult to drop.

High maintenance technology requirements: Zhonghuajia new energy, especially Qin, uses many new technologies and new materials, and the maintenance process is complicated, requiring professional equipment and technicians.

Some small insurance companies may not have the relevant maintenance capabilities and technical support, resulting in increased maintenance costs.

In addition, the body of Zhonghuajia new energy vehicles uses a large amount of composite materials, and the difficulty of body repair increases, so the maintenance cost will also increase.

There is also a reason that the market ownership is too low, and the maintenance cost will also increase!

But in Chen Changliu's opinion, these reasons are not valid reasons, and more importantly, such as Adi and Rui, which have already launched new energy vehicles, have not encountered such problems.

That means that the flower-growing family is targeted.

Chen Changliu is too lazy to find out who is behind the scenes, because the flower-growing family has too many opponents.

Although the current problem is in the automotive business, it is possible that the opponents of the automotive business can also make a move, so there is no need to worry about it.

He wanted to call Wu Feng.

In the evening, on the top floor of Wu Feng's private club, in their exclusive teahouse, Chen Changliu, Wu Feng, and Gu Yue were all there.

Yes, Wu Feng's fiancée Gu Yue was also there, and Chen Changliu specifically asked Wu Feng to bring her.

"Sister-in-law, this time I actually came to see you specifically.

The reason why I asked Brother Wu to bring you is because I'm afraid he'll think too much. After all, your charm is here, it's normal for him to be unconfident!"

Hearing Chen Changliu's words, Gu Yue didn't know whether to laugh or cry, but she was still a little surprised why Chen Changliu didn't want to see her.

Although Wu Feng knew that Chen Changliu must have something serious to do in this situation, he still couldn't help but complain:

"Damn, can you stop being so arrogant? Besides, do you think you are Tang Monk meat, and everyone wants to take a bite, hum!"

Looking at Wu Feng who was complaining, Chen Changliu said:

"Brother Wu, since you said that, you can leave, let's talk about some private matters!"

Chen Changliu's words directly choked Wu Feng.

"Humph, this is your club, you won't leave!"

After joking and having fun, Chen Changliu finally got to the point.

"Sister-in-law, have you ever thought about entering the domestic insurance industry?"

When she heard Chen Changliu's question, she thought that Chen Changliu was talking about something that he asked her to see more about the country when they got together before, so she nodded and said:

"Well, I have submitted my resume and received a reply. I will go for an interview in two days!"

"Sister-in-law, you misunderstood. I'm not asking you about going to work at an insurance company. I'm asking if you have ever thought about investing in an insurance company yourself?"

Gu Yue was stunned when she heard Chen Changliu's words. This was something she had never thought of before.

Wu Feng was stunned for a moment, and then he came to his senses immediately.

"Changliu, are you talking about investing in the insurance industry?"

After hearing Wu Feng's words, Gu Yue came back to her senses and looked at Chen Changliu with burning eyes.

Of course, this is not admiration or anything like that, but Wu Feng's expectation of investing in the insurance industry. If he can control an insurance company, he will have the opportunity to show his talents.

She herself works in an insurance company abroad, and she still prefers this industry.

Chen Changliu didn't hide it either. He took out a piece of information and handed it to Gu Yue and said:

"Yes, during this period some insurance companies refused to insure our cars or raised premiums, so we had the idea of ​​investing in the insurance industry.

Take a look at this information. This is the information of the insurance company that ranked fourth in the country in 2002.

After the restructuring in 2004, it suffered losses for more than 7 months in 2006 and more than 6 billion in 2007.

Do you think it can be saved? How much capital is needed to invest and hold it? "

When Chen Changliu asked these questions, he was actually Gu Yue. If he really invested in this company, then Gu Yue should be the person who could reassure him the most and also had such work experience.

In fact, he knows whether this insurance company that was founded in 2002 can be saved and how much money to invest to control it.

This insurance company is currently struggling. At the beginning of the year, Groupama and AXA of Gallic Chicken withdrew their investment in 돗 due to the financial crisis.

In March, the China Insurance Regulatory Commission sent an internal control working group to the company. Against this background, the company's financial status and market value were greatly affected.

Moreover, during this period, the market's expectations for its future development are also relatively uncertain, which will make the assessment of its market value complicated and difficult.

However, in the subsequent development, the insurance protection fund injected 6 billion two years later, and the shareholding ratio became 91.49%.

Before the capital injection, the Insurance Guarantee Fund held 57% of the equity, which means that 6 billion capital was injected into 녦 to obtain 34% of the equity.

It seems that if Chen Changliu wants to control this company, it will cost him tens of billions.

But it wasn't, because the insurance company had been restructured before, and the insurance protection fund, which originally had no equity, directly acquired 57% of his equity.

So there is definitely room for maneuver here.

Before he returned, this insurance company ranked first among non-city insurance companies in terms of premiums, and its total assets reached more than 100 billion.

돗Buying it now when 놇 is in dire straits is not considered embezzlement of state-owned assets, and it can also make money openly.

PS: Correct typos first and then correct them.