Chapter 11: 010 Thrilling

June 15th, late at night.

Seeing Yu Xing, who had taken a hot shower, sat at the desk and turned on the desk lamp, then got up to turn off the dormitory ceiling light, took a lighter from the drawer, and lit a Red Nanjing cigarette he had bummed from the dormitory next door.

The original roommates had all gone to the hospital for internships, and he had already gotten used to the quietness of the night.

The smoke gradually curled and blurred under the desk lamp, but the project he had been busy with for the past few days became clearer and clearer in his heart.

Thanks to the rough mathematical model established by Liu Wan Ying, Seeing Yu Xing had tried to calculate the probability with different pricing, and the deduced probability had never exceeded 3.75%, with the lowest being less than 1%.

The essence of this product is probability.

In fact, its prototype is indeed mostly insurance, such as Anxin Insurance's gift money version, Changan Insurance's diamond version, Tianan Insurance's rose version, Taiping Insurance's cash version... at least a dozen similar products.

Is the purpose of insurance companies' enthusiastic innovation to benefit customers?

Obviously, after careful calculation and detailed investigation, they confirmed that such products are profitable without loss.

Once the core is established, the beginning and end of the product are simple.

The biggest difference in who does it now is endorsement, which is customer trust, but the effect presented is just earning more or less.

Seeing Yu Xing crushed the cigarette butt in a temporary ashtray and reached out to draw a SWOT analysis table in his notebook. This is a common analysis method based on the four dimensions of "Strengths, Weaknesses, Opportunities, and Threats".

He pressed the tip of his pen on "Threats" and first considered why those innovative insurance products disappeared.

A product with stable profits suddenly disappearing can only be due to interference from above. The most direct one is probably the China Insurance Regulatory Commission.

The reason?

Seeing Yu Xing had never thought about this before, but today he couldn't help but start to ponder these things. After thinking about it, it was probably because institutions like the China Insurance Regulatory Commission felt that the impact was not good.

What if this bad impact caused by insurance companies was replaced by a non-insurance love contract?

It doesn't apply to the "Insurance Law", but follows the "Contract Law". Does this kind of threat still exist?

Seeing Yu Xing pondered for a moment, picked up his phone, searched for legal provisions, and pondered word by word, paragraph by paragraph.

The previous exchange with Liu Wan Ying did avoid the wrong direction, but this aspect still needs attention and is worth thinking about.

After a long time, Seeing Yu Xing looked carefully at a word on the phone screen and wrote it in his notebook.

—Public order and good customs.

Besides not being illegal, it also cannot violate public order and good customs.

As for how this public order and good customs are defined...

Seeing Yu Xing drew a circle around this word with the tip of his pen, roughly thinking clearly about the threats of his own product in this regard, and then thought of Liu Wan Ying's two suggestions, feeling that the gold content was still rising.

There is no detailed provision for public order and good customs. The same thing might have different results in two different cities.

However, if you are aware of the risks in this regard from the beginning, it is not that there are no measures to reduce the threat.

Some hype methods popped up in Seeing Yu Xing's mind, such as picking the elders in the customer's family, holding free golden wedding and silver wedding commemorative ceremonies for them, and even holding collective commemorations for more of them.

In this way, combined with the media, guide things in a positive direction...

Seeing Yu Xing wrote a "Zheng" character and hesitated for a few seconds, then picked up his pen and crossed it out.

It is easy to destroy but difficult to build. If you have money and resources, such hype can be carried out, but to use this to significantly offset the threats in that regard, I am afraid it cannot be too optimistic.

There is no threshold, and it is easy to copy. When similar competing opponents appear in the market, will they make such investments?

If they don't do it, how much effect can your own investment have?

Good things don't go out, bad things spread thousands of miles.

It was originally a vertical niche field. What impact could it have on the above? If it's gone, it's gone.

So...

Seeing Yu Xing picked up his notebook and stared at the probability calculation process above.

Once the core is established, the product in his heart seems to naturally grow flesh and blood.

Such a product with a beginning and an end can undoubtedly be done.

It's just that, doing a product normally, considering risks in advance, carefully polishing the team, and pursuing long-term vitality is a very appropriate approach.

But if the goal is changed to finding a takeover target, the approach is different.

Seeing Yu Xing thought of Liu Wan Ying, who only said two suggestions on her lips but actually gave three. Make the scale, sell it to potential competitors like Jiayuan, Baihe, and Zhenai. This was what she said after the two suggestions.

And, the big internet companies he thought of as a result.

If so, what needs to be done now and for a period of time in the future is only one thing, and that is to quickly push up the scale of the project, rather than patiently building its skeleton and flesh.

With different results as the orientation, things are done very differently.

How to choose?

Seeing Yu Xing's eyes were gloomy. At this quiet moment in the middle of the night, the three real bodies seemed to appear around him again.

If it were the accountant, the boss, and the belt, what would they do?

The voices of them seemed to appear in Seeing Yu Xing's ears.

Hype, hype! Burn money, burn money! Leverage, leverage!

Seeing Yu Xing took a deep breath, and the dormitory was still quiet.

He raised his hand and crossed out all the formulas and processes in his notebook from top to bottom and from left to right. The flesh and blood that the product in his heart had grown seemed to wither instantly.

This probability game is fun, but if you don't need to support it to the final redemption link, how much probability is not the point.

Only with the purpose of selling the project, the core of the matter naturally shifts—the product probability doesn't need to be too concerned, just push up the scale.

Seeing Yu Xing closed his notebook and looked at the time on his phone. There were exactly 3 months left until the financial storm on September 15th.

That is to say, time is indeed short.

If the project can be sold, the money obtained will be enough for ordinary people to be happy.

Zhong Zhiling is an ordinary person, and Lu Haiying is an ordinary person.

He is also an ordinary person.

Seeing Yu Xing turned off the desk lamp, lay on the bed, and pondered carefully. He and Zhong Zhiling are just two ordinary people in debt. If the money can fill the deficit, it's best. If it can't be filled, it can also quickly alleviate the situation.

Even, if the battle can be resolved before September, both people can return to normal life.

Seeing Yu Xing's mind flashed with his junior brother's helpless words—I just wanted to be a doctor plainly.

He had exploded his thunder for a lifetime, and why wouldn't he want to be a doctor plainly, or, not be a doctor, just buy houses, buy coins, and enjoy life? That would also be quite good.

Seeing Yu Xing closed his eyes, but the company operations oriented towards two different results suddenly drilled into his mind again, exceptionally clear.

Although he had a lot of work experience and some management experience in leading teams, this was the first time he had such an experience where the project operation method was completely different once the top-level design was determined.

A smile appeared unconsciously on the corner of Seeing Yu Xing's mouth in the darkness.

It feels pretty good.

He turned over, no longer thinking about the project, and just repeated words like making money, buying houses, and buying coins in his heart to help him sleep.

I don't know how long it had been, Seeing Yu Xing, who had no sleepiness at all, suddenly opened his eyes. A thrilling thought quietly drilled into his mind: buy coins, buy coins, why must I buy coins? Why can't I establish an exchange?

The middle of the night was quiet, and the real body was quietly silent.

Seeing Yu Xing's thoughts turned slightly, feeling that it was too far away, and it was most important to do the current things well. And whether it is long-term operation or finding a takeover target, the first thing to do now is to urge Liu Wan Ying.

The company in Xiangjiang must be registered first. Once the company there is settled, there will instantly be one more endorsement in numbers—our company's registered capital is five million.

Unlike the mainland, which still needs capital verification, Xiangjiang does not need capital verification.

This way, without deliberate explanation, it is believed that many customers can be reassured.

As long as customers can be brought in, after all, there is a final probability, and the takeover target will also be responsible for them, right?

At worst, wait for me to buy...

Seeing Yu Xing's thoughts paused. Anyway, I will definitely be responsible in the future. ===== CHAPTER 12 =====