Rebirth 2008: I Can Make Money Reading Chapter 422

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.

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 a previous life.

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

However, Mu Yang felt that the unit of the small target was a bit small. What would be better to change it to?

If Ge You were there, he might say, "I'm talking about the beautiful knife!"

Fu Wei: "No, I said it was Eagle Pound!"

Mu Yang: "I am a Chinese, 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 Fu Wei heard Mu Yang say this, they would immediately say, "You are a better man! My little brother admires it."

The above is just a mockery of Mu Yang's self-imagination.

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

In recent days, Xinghai Group, the head office of each bank in Jiangnan Province, has been more diligent and asked to see Muyang.

Not to mention this province, the presidents of other provinces also wanted to see Muyang.

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

For example, in a certain bank, the deposit balance last year was 12.5 trillion yuan, which is the national amount, and the average allocation to a province is 300 to 400 billion yuan.

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

No, it's not the same.

Muyang's money is foreign exchange.

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

It can be said that if you seize Muyang's deposit, you will be able to complete the province's deposit task for this year.

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

The president of each provincial bank had a good idea, but Muyang 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 Xinghai Group finally took the road of banking. In the following years, many companies have invested in private banks.

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

Muyang plans to apply after it opens early next year. At the same time, he plans to acquire a small overseas bank, and the two will become Xinghai Bank together. 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 they are also managed by the regulatory authorities. It does not mean that Muyang can withdraw his money without going through formalities.

When it comes to banks, there are too many points to complain about.

A 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 will not be given a loan, even if it is 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.

In particular, if you want to cancel the bank card, you have to go to the account opening bank to cancel it. You can't cancel it in the same banking system, but you don't want to take responsibility for the fault. China has a vast land and resources. In order to cancel a bank card, it takes thousands of kilometers by car, and it takes working days to do errands.

Another example is that there is no problem with personal credit investigation. If you don't have a house, no car, or have a car, you can provide personal income information. It is not feasible for ordinary people to borrow hundreds of thousands of dollars, but it is not feasible to take a loan of 10,000 or 20,000 yuan.

...wait, that's too much.

These little faults are not slanders spread on the Internet, but Mu Yang has experienced it personally in his previous life.

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

Muyang

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

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

In addition to the company's employees, Xinghai Group will also be open to local poor students who have established branches of the Bank. After the family background is clear, students can borrow low-interest tuition fees and living expenses, which will be repaid after graduation.

Muyang is not worried that these poor people can't afford to pay, and will allocate a fixed amount every year as a charity.

If these poor students do not pay back the money after graduation, they will definitely be blacklisted, and it is impossible for them to work in Xinghai Group's companies and partner companies.

Even if there is this trick, there will definitely be bad debts, but as long as the bad debt rate is not high, it is acceptable for Xinghai Group, after all, it can help thousands of poor students.

At the same time, in order to facilitate customers to handle affairs, Xinghai Bank adjusts its working hours every day, and 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 harshly, banks themselves are a service industry, so why do ordinary people take a break and want to apply for a loan, and banks also take a break.

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

Muyang'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 obtain access, as well as the qualification and license of wealth management business, and so on.

In mid-August, Mu Yang discussed with experts from the strategy department, and then mentioned his private bank ideas to Yang Nian and asked her to prepare.

Yang Nian asked: "Chairman, the qualification of private banks has not yet been opened in China, and we don't know when it will be opened. We can only acquire foreign banks."

She has a good understanding of the financial industry. If a private bank could be established, she would have already suggested that Muyang should be established.

Mu Yang smiled lightly: "Don't worry about this, I heard the news from above, it will be fine at the beginning of next year, you can prepare and choose suitable managers. Also look for suitable small foreign banks, buy one , it is more convenient to deal with foreign exchange.”

When Yang Nian heard what the chairman pointed out, he knew that the chairman had more contact with the boss, and it was very important to get this news in advance.

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

"Okay, I'll prepare."

Mu Yang nodded, and handed Yang Nian a copy of the documents he requested. After reading these confidential documents, Yang Nian threw them into a shredder and destroyed them.

That's what happened with 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 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 the following people from misleading and making mistakes and causing huge losses.

After dealing with the general direction of Hummer's listing, Muyang invested in 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 familiarize employees with operations, and developed its own laser welding robots and arc welding robots, which have been used in industrial robots for several years. And R&D industry experience.

In the field of domestic laser robots, Xinghai Group is the leader and one of the first companies to combine industrial robots and lasers into practical production.

Of course, special laser planes have long been available, and Xinghai Group does not make special laser planes.

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

At present, Xinghai Group already owns the core components of industrial robots, servo motors and supporting encoders, but only controllers and reducers.

Let's talk about the servo motor first, and it is not necessary to produce it by yourself. Just like the OTC arc welding robot, it is a cooperation with Nazhi Fujiyue, and the servo motor of the Nazhi robot still uses Sanyo Electric, not developed by itself.

Island-based brands have monopolized the small and medium-sized OEM (equipment manufacturing) market with good product performance and competitive prices.

In 2012, among the TOP15 manufacturers in the servo system market, the top three are island-based brands, with a total share of 45%; Siemens, Bosch, Schneider and other EN-based brands occupy the high-end, with an overall market share of about 30%, while the overall market share of domestic enterprises is about 30%. The share is less than 10%.

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

In the future, it is mainly used in robots.

The second core component is the controller.

The controller is the brain of the robot, issuing and delivering motion commands.

It includes both hardware and software.

The hardware is the control board, including some circuits such as the signal processing part of the main control unit;

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

The problem with the controller is that due to its relatively low status and threshold as a "nerve center", 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 there is very little outsourcing.

Of course, there are also manufacturers such as KEBA, Beckhoff, and B&R that provide the underlying platform for controllers.

The problem is that it is very difficult to buy other people's software to perfectly match your own equipment, because other people's software does not allow you to modify the function, so in the current environment, it will be difficult for domestic professional R & D controller companies.

The development of the controller is not a problem for Xinghai Group.

With the comparison of Muyang, it is not a problem.

The last core component is the reducer.

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

The robot reducer market is highly monopolized, and domestic reducers cannot be realized during the popularization period, and full import substitution is required.

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

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

The structure of the harmonic reducer is relatively simple, with only three basic components. In addition, the patent of Hamernaco has already expired. Compared with foreign countries, the gap between domestic harmonic reducers is not large, and the development of harmonic reducers by Xinghai Group is not 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 pure mechanical precision component, and materials, heat treatment processes and high-precision machining tools are indispensable.

my country's long-term backwardness in these aspects cannot be solved by a single enterprise alone.

To combine more than 200 components, the precision is demanding, and the tolerance matching between components requires years of experience.

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

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

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

It is also the high-precision requirements 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 with equipment are not big problems. The difficulty lies in how to control the cost under mass production.

In the early stage, Xinghai

The group can also purchase reducers, and after producing its own reducers, increase the domestic production rate.

Like the controller, you can only develop it yourself.

Therefore, to sum up all the above problems, the biggest difficulty in Xinghai Group's production and development of industrial robots is the controller.

But if you want to increase 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 less than that of the automotive industry. In 2013, the global market was about 9 billion US dollars, while Huaguo only had 23 billion US dollars.

Only with the rapid development of Huaguo Zhizao, in 2022, the domestic market scale will reach 40 to 50 billion yuan, about 300,000 units, an increase of more than ten times, while the global industrial robot market scale is about 15 billion US dollars, Growth has not been rapid in a few years.

Muyang attaches great importance to industrial robots. He does this not to make money, but to lay a foundation for the future.

If you can't even figure this out~www.mtlnovel.com~ It is impossible to enter a smarter robot.

Intelligent robot, this is his ultimate goal.

For example, in the future, if he develops space and wants to mine minerals on a certain planet, he will have to operate intelligent robots.

Of course, Xinghai Group can also break the monopoly of international giants by getting through industrial robots.

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

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

This sounds tragic.

Now, Mu Yang also wants to change this tragic status quo, which is what he wanted to change in his previous life.

Made by Huaguo, led by Xinghai Group.

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Chapter end