MTL - Rebirth 2008: I Can Make Money Reading-v2 Chapter 471 After the panic, Xinghai Bank was established

【Rebirth 2008: I can make money by reading】【】

"The Xinghai Group really knows how to make a fuss. Not long after Xingchen 01 was announced, it started announcing Xinghai 01, entering the field of automotive chips!"

With the official website of Xinghai Group announcing the new Hummer EV02 car and its pre-sale, it also announced the Xinghai 01 car chip.

Traditional cars have a lot of chips. With the increase of functions such as autonomous driving and new energy, the number of chips now reaches hundreds or thousands, mainly including MCU (single-chip microcomputer), power semiconductors, sensors and various simulators.

Don't underestimate the chips the size of your fingernail. Although some chips cost only a few dollars, sometimes a car worth hundreds of thousands cannot be produced without a chip worth a few dollars.

No one expected that due to the shortage of chips, the global auto market will reduce the production of 10.5 million vehicles in 2021 a few years later, which is almost 1/8 of the sales volume.

A small chip has become a "black swan" that hinders the development of the global automobile industry.

The car processor in the true sense is also the most expensive chip, which is the car machine chip CPU, that is, the smart cockpit chip, also known as the SOC chip, which belongs to the "CPU+XPU (XPU includes GPU/FPGA/ASIC, etc.), integrated on the SOC chip. A variety of chips such as CPU, GPU, ISP, DSP, ASIC and FPGA are covered.

Xinghai 01 is the SOC chip.

After seeing the information from the information department, Yu Meng, the president and CEO of Gaotong, became more worried. The mobile phone chip announced by Xinghai Group had already made him frown, and now there was another worry.

The scale of the automotive SOC chip market is not as large as that of the mobile phone chip market, and it is also a major business of Pingtong. If it loses the high-end automotive SOC chip market, Pingtong will lose billions of dollars every year.

(In 2014, the chip size of the global semiconductor industry was about 450 billion U.S. dollars, of which, automotive chips accounted for about 40 billion U.S. dollars, accounting for less than 10%, while the SOC chip market size accounted for about 25%-40% of automotive chips , that is, US$10 billion to US$16 billion;

The global annual shipment of smartphone chips is about 1 billion pieces, and the global market size is about 55 billion US dollars. In addition, the global personal computer chip market is also worth 60 to 70 billion US dollars, both of which account for a large share of the semiconductor chip scale. )

The main business of Pingtong is mobile phone chips, accounting for more than half of the total revenue, followed by automotive SOC chips, which also accounted for 15% of the total revenue. Now, Xinghai Group has also entered these two chip fields to make troubles and make waves.

For personal computer chips, Intel and AMD take the market share, among which Intel holds 80% of the global market share.

Today, Yumeng hopes that Xinghai Group will also enter the field of personal computer chips, which will make the senior management of Intel and AMD worry.

In fact, Yingtel and AMD have already seen Xinghai Group enter the automotive SOC chip, and they have some worries. Maybe Xinghai Group will burn into the field of computer chips.

Xinghai Group does not play cards according to the routine. It has completed the upstream and downstream of silicon wafers, lithography machines, chips, and EDA software before releasing information. It is too good at hiding, and it really worries competitors.

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For a long time, Pingtong has occupied mobile phone chips and automotive SOC chips, while Intel and AMD have divided up the field of computer chips.

Since Xinghai Group announced Xinghai 01, within half a day, Yu Meng knew the information. During working hours, he called a high-level meeting to discuss targeting Xinghai Group Xinghai 01.

After Yu Meng gave an overview of the situation, several high-level people in the conference room talked a lot.

"The Xinghai Group is a spoiler. Should we unite with Intel and AMD to deal with the Xinghai Group?"

"Hehe, Yingtel's attitude is too high and has always been high. We don't take the initiative to contact them. They have never suffered a loss and will not take this matter to heart. Only when the two losses are too large will they fight against the Xinghai Group together. .”

"Engtel and AMD may be worried, but the Xinghai Group will not enter the field of computer chips so quickly. Who will sell the chips they manufacture to? As far as I know, Mu Yang has some opinions on a certain company in their country. ,

And a certain wants to occupy a huge market share of Huaguo Computer. If Xinghai Group enters the computer chip market, their partners will probably be Huawei, FU*K, and these two companies. "

"It's useless to scold, we can't extend our hands to the mainland of Hua country. The last time the relevant departments dealt with it, Hua country officials ignored it and protested our intervention. The Xinghai Group has too many advanced equipment and spare parts that are not from us. The relevant departments of our country and allies are also very helpless, but we understand that if we leave the Hua country market, the loss will be too great.”

"The Xinghai Group is here, and our chip prices can't be sold at the previous high prices. There has been a shortage of SOC chips in the market, and we don't have much inventory, but we have to cut prices to grab orders from the high-end market. The price of Xingguang 01 is US$88. The price of the Snapdragon 801 forced us to cut the price from more than 90 dollars to more than 60 dollars. Customers still dislike our products.

"Xinghai Group has entered the monocrystalline silicon, wafer, chip manufacturing and design, and lithography machine industries, and has controlled the entire production chain. It already has the pricing power of chips, regardless of other chip foundry prices. No matter how the prices of round silicon wafers fluctuate, it will not affect Xinghai Group. We have to admire this giant. Just like new energy vehicles, they also control the upstream and downstream of batteries, and even currently control aluminum alloy automotive plates. Even if it is General Motors, it still has no choice but to purchase aluminum alloy automotive panels from Xinghai Group’s partners.”

Everyone discussed for a long time, but they couldn't find any good way to deal with Xinghai Group. The main reason is that they can't stretch their hands that far, so they can only fight from the market, from passively taking orders to actively grabbing orders.

There are also many international giants who are worrying with the top management of Piaotong, such as the island country Mazak Company, Four Star Company, and ASLM Company.

Recently, two or three hundred more people have joined Xinghai Group. They have entered the security department as ordinary employees to guard the chip factory and lithography laboratory of Xinghai Group. Their salaries are paid by Xinghai Group and they are under the command of Xinghai Group's security department. , but the personnel relationship is still under the original unit.

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In the past two weeks, there have been quite a few outsiders who planned to sneak into Xinghai Group's factories and laboratories, and many were caught. Fortunately, no violent conflicts occurred.

But Mu Yang didn't dare to underestimate them. They and their competitors have not yet reached a very bad situation, and it is possible to use any kind of indiscriminate means in the future.

Therefore, he and his family have strengthened security. When Mu Yang goes out, he uses three bulletproof vehicles, two Future 01s and a Hummer EV. The Hummer EV has also been modified, with a horsepower of nearly 2,000 horsepower and a vehicle weight of more than five tons. , can crash a truck with a load of more than ten tons.

When going out, outsiders didn't know which car Mu Yang took.

In addition, the car is like a tortoise shell, even with heavy weapons, it is not easy to break through.

Since the development of the mechanical exoskeleton SS001, Muyang has not continued to engage in the second generation, but the company has developed a lot of exoskeleton equipment, which is applied in the company's factory, which greatly reduces the workload of workers.

After the announcement of Xinghai 01, Mu Yang held a high-level meeting, mainly focusing on chip matters.

Mu Yang is very clear about the demand for chips in the future. There is a shortage of automotive chips. The main reason is that the demand for chips for new energy vehicles has increased significantly.

The demand for chips in traditional cars is not much, but the number of chips used in a single new energy vehicle has been upgraded to 1,000 to 1,200, and the number of chip types has also increased from 40 to 150. For some models with better performance, the number of chips used even reaches 2,000 chips.

In the field of high-end smart electric vehicles in the future, the number of chips installed in a single vehicle will reach more than 3,000 pieces, and the proportion of automotive semiconductors in the cost of vehicle materials will increase from an average of 6% in 2014 to 8% in 2015, and may increase in 2015. It is possible to increase to 20% in 2023, or even higher.

With the continuous deepening of automobile intelligence, the proportion of chips in automobiles will continue to rise. If the production line does not explode and the production capacity does not explode, chip shortage will become a long-term problem.

Some people may not understand why a car needs to use so many chips, it is because different chips are needed to achieve different functions.

Various chips are inseparable from the tire pressure monitoring system TMPS and camera in the car, as large as the vehicle controller and the autonomous driving domain controller, and this does not only refer to the processor of the car system.

At present, Xinghai Group is only involved in the SOC chip of the car, but it is the most difficult chip.

In addition to automobiles, other electronic products will also increase the demand for chips.

Muyang currently does not plan to enter the computer CPU, but concentrates on solving the production capacity of mobile phone chips and car chips. In addition to car SOC chips, car chips also need to solve other car chips, so as not to be stuck in a few years.

In the previous life, due to the surge in sales of new energy vehicles, the demand for automotive chips increased, and at the same time, during special periods, the production capacity was seriously insufficient, resulting in a shortage of automotive chips.

Now, Xinghai Group has entered the new energy vehicle industry, accelerated the development of new energy vehicles, and the demand for automotive chips has surged. The strategic department has analyzed it. Maybe, in a year or two, if the production capacity of automotive chips does not increase much, there will be a shortage of chips. It will happen again.

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Xinghai Group's automobile business accounts for a large part of Xinghai Group's revenue, which cannot be ignored, and Mu Yang does not want to give up this big piece of cake.

a few days later,

The establishment of Xinghai Bank is also the first private bank in Huaguo.

There are not many bank branches, one in Hong Kong and Taiwan, one in domestic H City, one in Shenzhen City, Shencheng, and Rongcheng, and three overseas, with a total of 8 branches.

Muyang, Xinghai Group, Xinghai Investment Company and offshore companies hold cross-holdings. The president is Yang Nian, who also owns a small share.

Xinghai Bank opened in a low-key manner, but it was announced within the Xinghai Group that employees of the Xinghai Group can borrow money unconditionally.

It is said that it is unconditional, but the loan amount still depends on the employee's working years, position and credit status.

The personnel department in the company's APP group issued an announcement: Xinghai Bank was established today, and employees' salaries will be paid by Xinghai Bank in the future. Employees who need money urgently can apply in the bank APP, and the interest is calculated on a daily basis, and can be repaid at any time. You need to go to the counter to handle it in person, and the interest is the same as that of several major banks.

Reminder: Xinghai Bank provides low-interest loans to employees in order to solve the problem of employees' temporary difficulty in using funds. Xinghai Bank will cancel the employee's loan authority if it is found that employees use loans to conduct online financial management, gambling, and stock speculation.

Liu Yang is a worker in the welding workshop of Xinghai Group's second-guarantee welding machine. He has worked for just two years. This afternoon, he saw a message from the HR department in the company's APP group, as well as a red-headed document stamped by Chairman Mu Yang.

"Has the company established a bank?"

After reading the information, he wasn't surprised. He wouldn't find anything new about the company's major events.

To his surprise, the main reason is that he was short of money recently, about 30,000 yuan, but he couldn’t find a way to borrow money, so he ran to a bank, and the bank asked him if he had a house or other fixed assets in the local area for mortgage, and the car was still in use. No, the car depreciates too quickly and cannot be used as a mortgage.

The bank's request made it difficult for him. Where does Liu Yang have a house? At the same time, he asked other big banks, and the requirements were similar, so he had to give up. It was too troublesome.

Later, through his colleagues, he learned that some online apps can provide unsecured loans, but they are usury loans. He uses the loan for at least half a year. According to those online apps, the monthly interest is as high as 2%. 3,600 yuan, which he definitely cannot accept. He is a little more frugal with his monthly salary. After deducting expenses, his savings are so much.

Directly open the link, download the Xinghai Bank APP, fill in the information such as name, bank account number, work number and ID number according to the above requirements, upload a photo of the ID card, and register a real-name account.

It is necessary to fill in the work permit number. If you are not an employee of Xinghai Group, can you not apply?

Not long after, his account was approved.

He found that he had a basic loan amount: 5,000 yuan.

If you borrow this 5,000 yuan, the daily interest in the loan will increase.

The interest rate is 1 yuan, which is equivalent to an annual interest rate of 7.3%.

This interest is acceptable to him.

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But just borrowing the 5,000 yuan can't solve the problem. When you see the amount you can apply for, click Apply.

After waiting for about 20 seconds, the quota result came out: 30,000 yuan!

Liu Yang was pleasantly surprised to see this maximum amount, which just solved his difficulty in using the funds.

This 30,000 yuan is roughly equal to his half-year pre-tax salary.

After thinking for a while, he directly applied for a loan and borrowed the 30,000 yuan in one go.

In just ten seconds, the loan was successful. After waiting for a while, I received a text message from the bank, which was the receipt information.

The interest rate of 7.3% is lower than that of commercial bank loans, mainly because it is too convenient.

He didn't expect that there would be 30,000 yuan for a small amount, and the amount would be even higher for those employees with high salaries and long working years.

There is also a large amount of loan, which needs to be applied at the counter. He does not know the difficulty of the application, but he believes that it is much easier than the bank, and the interest rate is lower.

Due to the large number of people in the company ~www.novelbuddy.com~ ordinary employees can't send messages in the company's large group, they can only receive messages, otherwise, Liu Yang would like to express his gratitude in the group.

He also has a workshop group with nearly 2,000 people, and this group can send messages.

At this time, many employees in the group were discussing the matter of Xinghai Bank, and many people were discussing the issue of the loan amount. Most of the workers could apply for a loan amount of 30,000 yuan, and some of them reached 50,000 yuan. Newly joined employees , only the basic five thousand yuan.

Some new employees have just joined the job and are struggling. Five thousand yuan can indeed solve their living problems until they are paid.

"The company is awesome, and it really cares about its employees. It will be much more convenient to use money urgently in the future. The interest rate is 7.3%, which is acceptable. The most important thing is that the money can be withdrawn quickly. Why go to a bank? You can apply directly at the company bank."

"The corporate bank is really conscientious. I would like to praise the chairman. Our company has the best benefits in the world. No one else. I am proud and proud of working in the company."

"It's almost the end of the year again, and I'm looking forward to the year-end bonus. The company's benefits are really good, but no matter how rich you are, there will be times when the cash flow won't be enough."

"I just went to the counter and asked about it. I am going to buy a car loan. The annual interest is 4.5%. The interest is not too high, and it is acceptable. You only need to mortgage the car book, and you can get the green book back after paying off the loan. You don't need anything else. They said it could be done on the same day, or within an hour.”

"I also went to the bank counter to inquire about it, and prepared to make a down payment on a house in the company. The down payment was almost paid off, and I didn't expect to be able to get a loan."

The Xinghai Bank of the Xinghai Group still circulated on the Internet. Netizens lamented how happy it is to be an employee of the Xinghai Group. Xinghai Bank’s business is not open to the public, and non-Xinghai Group employees cannot have this convenience.