"Mr. Wei, what is the best solution?"

Wang Dali's eyes lit up instantly and he asked impatiently.

"Haha, it's very simple. For expensive and indispensable practical products, the most appropriate way is to let users pay in installments. Cars and houses are the most typical cases."

Wei Kang smiled lightly and slowly explained his plan.

"Of course, bionic prosthetics cannot be compared with a house, but compared with a car, there are many similarities."

"The prices are on the expensive side, and they are all advanced consumption, but they are easy to use and you can enjoy the full experience in advance. They also have tool attributes and can significantly increase the user's income after ownership."

"In this way, if the payment threshold is lowered and they do not need to pay a large amount of money at once, but pay a small amount in monthly installments, they will naturally be able to afford it."

Wang Dali became excited instantly: "You are right, many people become poor because of their disabilities."

"They actually had jobs before becoming disabled. After becoming disabled, they lost their source of livelihood because they were unable to work. As long as they get a bionic hand and earn money again, they will definitely be able to pay their monthly installments."

“But how long can we offer installment payments?”

"The maximum installment for electronic products is 24 months. Car loans are usually two to three years, and the longest is no more than five years."

Wei Kang pondered: "This depends on personal economic conditions and the pricing of our products."

"You know the cost best, so how much do you think it should be sold for?"

Wang Dali thought about it carefully and said: "The price of the bionic hand is not much lower. The cost of the hardware alone is more than 10,000 yuan. Adding in other costs of 7,788 yuan and later maintenance costs, the total cost is estimated to be close to 20,000 yuan." Ten thousand."

"The bionic hand is divided into three parts: upper arm, forearm, and hand. Users have different options depending on their degree of disability. Some only require one hand, some require the forearm, and some require the entire arm. The price will naturally vary. Same."

"Preliminary estimates show that to maintain normal profits, the selling price should be between 60,000 and 100,000."

"Bionic legs are relatively simple and cheaper. There are different parts such as feet, calves, thighs, etc. to choose from. The price is about 30,000 to 60,000."

"Of course, as sales increase in the future, the cost will decrease, but for now, the price is already quite cheap."

"Similar smart bionic hands abroad cost at least 200,000 yuan, and their functions are not as powerful as ours."

Having said this, Wang Dali couldn't hide his pride and couldn't help but grin.

"Haha, our prices, to put it bluntly, are malicious competition."

Wei Kang asked calmly: "Then what do you think the annual income of a disabled person's family is?"

"This..." Wang Dali suddenly became speechless. He thought about it and said with some uncertainty: "Fifty or sixty thousand a year? Or two or thirty thousand?"

Wei Kang couldn't help but laugh and said: "It seems that you don't know much about your customers. Fortunately, I have a copy of the statistics of the Disabled Persons' Federation here."

He looked at the screen in front of him and read: "There are about 85 million disabled people in our country, which is a very large number. Among them, 25 million are physically disabled, 21 million are hearing disabled, and 13 million are visually disabled. These three kinds of disabilities That adds up to nearly 60 million."

Wang Dali couldn't help but interrupt: "Cochlear implants are relatively mature now, but the price is a bit more expensive. Artificial retinas are also available, but they haven't been mass-produced yet. Can we do these two in our next project?"

Wei Kang was speechless for a moment: "You know why you are still doing this when the technology is mature? What benefit does rounding up the disabled do to you? You can't make all the money, so you have to leave some for friends and businessmen. You can't eat alone.

.”

"I'm talking about the income of disabled people's families. Just listen to me and don't interrupt."

"Yes, yes, Mr. Wei, please continue." Wang Dali shrank his neck and became scared for a second.

Wei Kang cleared his throat and continued reading.

“The per capita annual income of families with disabilities is 16,000, half of which is various subsidies, wages account for 38%, and property income accounts for only 2%. It can be seen that they basically have no assets and can only rely on state subsidies and part-time work to make ends meet.”

"In comparison, normal families are much better off. They basically rely on salary income, and their per capita income has doubled."

"Even among the disabled, there are high and low incomes. Let alone those with high incomes, 20% of low-income households account for 20%, with an annual per capita income of only 5,000 yuan."

"With such a low income, their expenditure data is equally cold. Food and medical care account for 68% of total consumption, while these two expenditures of normal families only account for 37%."

"It can be seen that they have spent most of their income just to survive."

"Our people are not very wealthy to begin with, and disabled people have more hardships than ordinary people."

"Without state subsidies, most of them would not be able to survive. They would either become beggars or die of hunger and cold."

Wei Kang turned his head from the screen and looked at Wang Dali meaningfully.

"The data doesn't lie. How many of these user groups do you think can afford your tens of thousands of dollars of bionic hands?"

Wang Dali asked tentatively: "Then we provide five-year installment payment?"

"Let me do the math for you. The cheapest bionic leg costs 30,000 yuan. If it is paid in installments over 5 years, it will cost 6,000 yuan per year."

Wei Kang calculated calmly. "This number is not bad."

"If it's a bionic hand worth RMB 60,000, it would cost at least RMB 12,000 per year in five-year installments. You can only afford it if you don't eat or drink."

"And if a disabled person needs to wear two prosthetic limbs, it will cost at least 100,000 yuan, which will cost 20,000 yuan a year in five-year installments. In order to pay for this, the whole family will have to starve to death."

"Don't forget, there are 4 million low-income disabled people who only earn 5,000 yuan a year."

"For these people, if we sell them, we won't be able to pay the installment."

Wang Dali fell silent for a moment, and then he looked at Wei Kang expectantly.

"Mr. Wei, didn't you say there was a solution?"

Wei Kang nodded: "Yes, of course I have a way."

"My solution is to use my ability."

"Since they can't afford the five-year installment, I will extend it to 10 years."

"In this way, even if it is a prosthetic limb worth 100,000 yuan, they will only have to pay 10,000 yuan a year."

"If it's a prosthetic limb worth RMB 60,000 or RMB 30,000, the annual cost will be less, only a few thousand yuan."

"When their hands and feet are intact and they can work like normal people, such expenses will not be a problem at all. No matter how poor a disabled family is, they can afford it."

Wang Dali stood up suddenly, surprised and happy.

"Mr. Wei, this is a good idea. You are so, so willing to do it."

He never expected that Mr. Wei could offer such generous terms.

A bionic hand can actually have installments as long as a mortgage.

In this way, no matter how poor the disabled people are, they will not be afraid of being unable to afford it.

Even a 60-year-old man with a broken leg can earn back the 3,000 yuan a year he spent on prosthetic limbs by wearing a bionic leg and working as a janitor and cleaning the house.

However, Wang Dali quickly thought of something, if all the 25 million disabled limb patients could pay in installments.

Sales volume has increased, but after selling so many products, it will take ten years for the funds to be withdrawn. Can the company bear it?

"Mr. Wei, this will cost a lot of money, won't it affect the company's cash flow?" he asked with some worry.

Wei Kang waved his hand and showed a proud smile.

"You don't have to worry about that. There's not much else in Sanqing, but there's really a lot of cash."

"Well, let me tell you this, the company's cash reserves alone exceed 50 billion US dollars."

"This money has been sitting in the bank account, motionless, and only earning interest. It might as well be used for more meaningful things."

"Besides, installment payment is also inseparable from cooperation with banks. I think banks should be happy to do this business."

"$50 billion in cash reserves!"

Upon hearing this number, Wang Dali was stunned.

He knew the company was rich, but he didn't expect it to be so rich.

So I couldn't help but ask: "Mr. Wei, with so much money, why don't you buy it everywhere and do some mergers and acquisitions?"

Wei Kang said angrily: "Why didn't I buy it? I established an industrial fund and have already bought many stocks of technology companies."

"I will also be an angel investor for any outstanding young people I like. I just invested in a small robotics start-up company last month."

"I also bought an API factory and a CRO, and invested a lot of money in the entire industry chain."

"We even bought a glass factory to make medical glass for Sanqing, such as ampoules and syringes."

"We also bought some consumer business brands abroad."

"I donate to charity foundations every day if I have nothing to do."

"But this money, even if I spend more and more, I will also have a headache."

Wang Dali saw his boss's heartbroken expression, and his chest suddenly felt tight, unable to say anything.

The life of the top rich is probably so simple and unpretentious.

He really didn't envy him at all when he was worrying about how to spend money every day.

****

Kunming City, First People's Hospital.

It was raining heavily outside, and patients holding umbrellas were coming in and out.

Suddenly, a delivery man wearing a long raincoat hurried in.

The younger brother is not tall, in his early thirties, with a bronze face and a pair of bright eyes.
To be continued...