Rebirth 2008: I Can Make Money Reading

Chapter 425 Personal Wealth 17000 Small Target

The final appraised value of the overseas Hummer company has been determined, but it is estimated that it will take a long time to complete the process of transferring shares.

Mu Yang's personal wealth also soared to 250 billion US dollars.

In his words, that is to achieve 17,000 small goals.

Well, the phrase "a small goal of 100 million" was said by Lao Wang in his previous life.

Later, Mu Yang directly applied it, not to mention embezzlement.

However, Mu Yang feels that the unit of the small target is a bit small, what should I change it to?

If Ge You was here, he might say: "I'm talking about the beautiful knife!"

Gui Wei: "No, I said it was an eagle pound!"

Mu Yang: "I am from Huaguo, and I am used to using RMB as a unit. I said 100 billion yuan is a small goal. How many small goals have you achieved?"

If Ge You and Zuo Wei heard Mu Yang say this, they would immediately say: "You are amazing! I admire you."

The above is just a ridicule of Mu Yang's self-fantasy.

He also deserts in the office, and deserting is also a way to relieve work pressure. If people have no illusions, life will be so tiring.

In recent days, the head offices of various banks in Jiangnan Province have become more diligent in their long-distance travel to Xinghai Group, begging to see Mu Yang.

Let alone this province, the presidents of other provinces also want to see Mu Yang.

The main reason is that Mu Yang's tens of billions of dollars are too attractive.

For example, a certain bank had a deposit balance of 12.5 trillion yuan last year. This is the amount of the whole country, and the average amount allocated to a province is 300 to 400 billion yuan.

It's the same size as Mu Yang's tens of billions of dollars.

No, it's not the same.

Mu Yang's money is foreign exchange.

Moreover, that of a certain bank is the balance of deposits, not new deposits. The variables of new deposits are too large, and the actual new deposits are not many each year.

It can be said that if Mu Yang's deposit is captured, the province's deposit task for this year can be completed.

It can even be said that it is possible for anyone who can handle Mu Yang to deposit his money in a certain bank, soar directly to the management of the head office.

The governors of the various provincial banks have a good idea, but Mu Yang plans to set up a private bank, manage his own money, and only put a very small part in the bank.

It is not surprising that the Xinghai Group finally took the bank path. In the following years, many companies have invested in private banks.

At present, the qualifications of private banks have not been opened in China, and it will not be opened until early 2014.

Mu Yang intends to apply after the opening early next year. At the same time, he intends to acquire a small overseas bank, and the two will merge together to become Xinghai Bank. His bank mainly serves the financial services of Xinghai Group's companies and partners.

Of course, some formal procedures of the bank still have to follow the above rules, and are also managed by the regulatory department. It doesn't mean that Mu Yang can withdraw his money without going through formalities.

When it comes to banks, there are too many complaints.

A certain bank's loan procedures are too complicated and there are too many rules.

For example, if you work in City H, but your house is in a different place, you won’t be given a loan, even if it’s a few thousand yuan;

Another example is that there is no problem with personal credit investigation, but there are several bank cards that have not been used for many years and have not been cancelled, and the bank information review will not be approved.

What's more, if you want to cancel the bank card, you have to go to the opening bank to cancel it. The same banking system can't cancel it, because you don't want to bear the responsibility for negligence. Huaguo has a vast land and abundant resources. In order to cancel a bank card, you have to travel thousands of kilometers by car, and you have to work days, ask for leave, and spend thousands of dollars on round-trip fares.

Another example is that there is no problem with personal credit investigation, no house, no car or a car, and personal income can be provided. It is indeed not feasible for ordinary people to borrow hundreds of thousands of yuan, but it is not feasible to borrow 10,000 to 20,000 yuan.

...Wait, that's too much.

These minor problems are not the slander spread on the Internet, but Mu Yang experienced it personally in his previous life. He has no problem with his credit investigation, but he just wants to borrow money urgently, which is too difficult.

In the end, I had to choose a certain treasure with an annual interest rate as high as 18.5%, or go to a commercial bank. The procedures are less, and the annual interest rate is 7-9 points, which is also acceptable.

Muyang's private bank will not be open to the general public, but as long as it is an employee of a company under the Xinghai Group, it is no problem to borrow tens of thousands of yuan based on personal income certificates and credit information. The annual interest rate of the loan is 5-8 points, which is higher than the standard The interest rate is higher, but lower than that of ordinary commercial banks, and you can get the money within an hour or two.

If there is a house mortgage, the procedures can be processed and the money can be obtained within a day or two.

In addition to the employees of the company, Xinghai Group will also open it to poor local students who have opened branches of the bank. After the investigation of the family background is clear, the students can get low-interest loans for tuition and living expenses, which will be repaid after graduation and work.

Mu Yang is not worried at all that these poor people cannot afford to pay back, and will allocate a fixed amount every year as charity.

If these impoverished students do not pay back their money after graduation, they will be blacklisted. It is impossible for them to work in Xinghai Group's subsidiaries and partner companies.

Even if there is such a trick, there must be bad debts, but as long as the bad debt rate is not high, it is acceptable to Xinghai Group, after all, it can help thousands of poor students.

At the same time, in order to make it easier for customers to handle business affairs, Xinghai Bank adjusts its working hours every day. It does not go to work in the morning, from 12:00 noon to 8:00 pm, rests on Mondays and Sundays, and works all day on Saturdays.

To put it bluntly, the bank itself is a service industry. Why should the general public want to take a break and want to get a loan, and the bank will also take a break.

However, Mu Yang does not want to change the rules of traditional banks, but he will change the rules of his own bank.

Mu Yang's ideal is very good, but some banking business needs to be approved by the regulatory authorities, which does not mean that private banks have the rights of the four major banks. For example, some businesses may not necessarily be admitted, and there are qualifications and licenses for wealth management services, and so on.

In mid-August, Mu Yang discussed with experts from the strategy department, and then mentioned his idea of ​​a private bank to Yang Nian, asking her to prepare.

Yang Nian asked: "Chairman, the qualifications of private banks have not yet been opened in China, and we don't know when they will be opened. We can only buy foreign banks."

She has a good understanding of the financial industry. If a private bank can be established, she would have suggested that Muyang establish it.

Mu Yang smiled lightly: "Don't worry about it, I heard the news from above, it will be ready at the beginning of next year, you should make preparations and select suitable managers. Also see if there is any suitable small foreign-funded bank to acquire a bank , it is more convenient to handle foreign exchange.”

When Yang Nian heard what the chairman was referring to, he knew that the chairman had a lot of contact with the boss, and it was very important to get this news in advance.

In fact, Mu Yang didn't get these news from the boss.

"Okay, I'll get ready."

Mu Yang nodded, and gave Yang Nian a copy of the specific requirements. After reading these confidential documents, Yang Nian threw them into the shredder and destroyed them.

That's it for the bank.

The specific affairs will be arranged by Yang Nian.

Mu Yang, the boss, just moves his mouth, and the people below will be too busy.

He also knows his own energy, so he is cautious in his words and deeds, and the specific work is still issued in the form of documents, so as to avoid misleading and making mistakes by the people below, which will cause big losses.

After dealing with the general direction of the Hummer company's listing, Mu Yang devoted himself to the research and development of industrial robots.

A few years ago, the company began to purchase four major brands of robots (ABB, KUKA, FANUC, and Yaskawa) to make employees familiar with the operation, and developed its own laser welding robot and arc welding robot, which have been used in industrial robots for several years. And R\u0026D experience in downstream industries.

In the field of domestic laser robots, Xinghai Group is the leader, and it is also the first batch of enterprises that widely apply the combination of industrial robots and lasers to actual production.

Of course, special laser planes have existed for a long time, and Xinghai Group does not make special laser planes either.

At the same time, the main body of industrial robots used by Xinghai Group still purchases robots of four major brands.

At present, Xinghai Group already has the core components of industrial robots, servo motors and supporting encoders, except for controllers and reducers.

Let’s talk about the servo motor first, and it doesn’t necessarily have to be produced by itself. For example, the OTC arc welding robot cooperates with Nachi Fujikoshi, and the servo motor of the Nachi robot still uses Sanyo Electric, and it is not developed by itself.

The island country brand has monopolized the small and medium-sized OEM (equipment manufacturing) market with good product performance and highly competitive prices.

In 2012, among the top 15 manufacturers in the servo system market, the top three were all island-based brands, with a total share of 45%; Siemens, Bosch, Schneider and other EN-based brands occupied high-end, with an overall market share of about 30%, while domestic companies as a whole share is less than 10%.

Xinghai Group's servo motor has just been developed, and its technical level has indeed reached the world's first position, but it has not yet been supplied to the market separately, and it is mainly used in metal 3D additive equipment.

In the future, it will be mainly applied to robots.

The second core component is the controller.

The controller is the brain of the robot, issuing and transmitting action instructions.

It includes two parts of hardware and software.

The hardware is the control board, including some main control unit signal processing parts and other circuits;

The software part is mainly control algorithms, secondary development, etc., and domestic brands still have gaps in stability, response speed, and ease of use.

The problem with the controller is that due to its relatively low status as a "nerve center" and a relatively low threshold, mature robot manufacturers generally develop their own controllers to ensure stability and maintain the technical system. Therefore, the market share of the controller is basically the same as that of the robot body, and it is rare to say that it is outsourced.

Of course, there are also international manufacturers such as KEBA, Beckhoff, and B\u0026R that provide the underlying controller platform.

The problem is that it is very difficult to perfectly match your own equipment with other people's software, because other people's software is not open to you to modify functions, so it will be more difficult for domestic companies specializing in controller research and development under the current environment.

Controller research and development is not a difficult problem for Xinghai Group.

With Mu Yang as a comparison, it is not a problem.

The last core component is the reducer.

The reducer is used to precisely control the movement of the robot and transmit greater torque.

The robot reducer market is highly monopolized, and the domestic reducer cannot be realized during the popularization period, and it is fully imported.

It is divided into two types, the RV reducer installed in the load-dependent position such as the base, the arm, and the shoulder, and the harmonic reducer installed in the light-loaded position such as the forearm, wrist or hand.

The RV reducer is monopolized by Nabtesco, an island country, and Harmonaco, an island country of harmonic reducers, has an absolute advantage.

The structure of the harmonic reducer is relatively simple, with only three basic components. In addition, the patent of Harmonaco has already expired. Compared with foreign countries, the domestic harmonic reducer is not far behind. The main problem is to grasp the material and heat treatment process.

The core difficulty of the RV reducer lies in the basic industry and technology.

The RV reducer is a purely mechanical precision component, and materials, heat treatment processes and high-precision machining tools are indispensable.

Our country has been lagging behind in these aspects for a long time, and it cannot be solved by a single enterprise.

To combine more than 200 parts, the precision requirements are strict, and the tolerance matching between parts requires years of experience.

The metal 3D additive equipment of Xinghai Group cannot solve this problem. The key components of the RV reducer are high-precision forgings, such as gears. In addition to requiring ultra-high wear resistance, they also require toughness, high temperature creep performance, and long life Long and high strength, this is a strict requirement for materials and heat treatment processes.

Fortunately, Xinghai Group already has the manufacturing process of bearing steel, and it is much less difficult to produce some high-strength steel.

In addition, the precision of the machining process is required to be very high, for example, the backlash is required to be small.

It is also the requirement of high precision that can ensure that the repeatability of industrial robots can reach within 5 wires.

For Xinghai Group, the problem of precision and the problems that can be solved by equipment are not big problems. The difficulty lies in how to control the cost under mass production.

In the early stage, Xinghai Group can also purchase the reducer, and increase the domestic production rate after producing its own reducer.

Like the controller, you can only develop it yourself.

Therefore, to sum up all the above problems, the biggest difficulty for Xinghai Group to produce and develop industrial robots is the controller.

But if you want to increase the size of domestic industrial robots, even the RV reducer has to be developed by yourself, and the biggest difficulty must be the RV reducer.

At present, the market size of industrial robots is not large, far inferior to that of the automobile industry. In 2013, the global market was about 9 billion US dollars, while Huaguo only had 20 to 3 billion US dollars.

It’s just that with the rapid development of Huaguo Zhizao, in 2022, the domestic market will reach 40 to 50 billion yuan, about 300,000 units, an increase of more than ten times, while the global market for industrial robots is about 15 billion dollars. Growth has not been rapid for a few years.

Mu Yang attaches great importance to industrial robots. He does not do this to make money, but mainly to lay the foundation for the future.

If you can't even figure out this, it is impossible to enter a more intelligent robot.

Intelligent robots, this is his ultimate goal.

For example, in the future, if he develops space and wants to mine minerals on a certain planet, he must operate an intelligent robot.

Of course, Xinghai Group can also break the monopoly of international giants if it has mastered industrial robots.

In the next ten years, among the top ten brands of industrial robots, only one company from Huaguo will be on the list, and that is Xinsong.

For a country that calls for intelligent manufacturing, the key industrial robots have to rely on international brand robots.

This sounds, quite tragic.

Now, Mu Yang also wants to change this tragic situation, which is also the situation he wanted to change in his previous life.

Huaguo Smart Manufacturing is led by Xinghai Group.