Chen Guobin drove around the street all morning without stopping.

As he expected, there were very few pawn shops on the market. On a street several kilometers, it was quite rare to find one. It was often small in scale, even less eye-catching than a small shop, and it was basically deserted. The owners in the house usually read newspapers to pass their time.

This kind of depression occurs when a potential market is extremely vast and pawn shops are very rare, which at first glance is incomprehensible.

However, Chen Guobin has long realized that these small pawn shops do not have professional absorption capabilities at all. They can only simply pawn valuables such as gold diamond jewelry, which greatly limits the originally very broad market and forms a typical situation of "stumble". After all, there are quite a few people who use valuables to pawn shops for emergency exchange, and these valuables are easy to sell and do not rely much on pawn shops. While pawn shops seek their own convenience (pawn items are easily sold when they are not redeemed after the deadline), they will inevitably make customers have no dependence on them, and it is even difficult to notice that there is rarely such a pawning habit - if they sell them yourself, you can exchange for more money.

Chen Guobin believes that if the types of items absorbed by pawnshops are greatly extended to the widest range of daily necessities with certain value, including home appliances, furniture, and even bicycles, then its market objects can expand sharply hundreds or thousands of times, which is difficult to estimate. However, this puts forward very high requirements for evaluation. It is necessary to have a high-quality professional evaluation team that can make scientific and reasonable price assessments for a variety of valuable items that are of different ages and are not the same as new and old. It does not compress the prices of items that are collateralized by customers, and try to make them not much different from the actual market price, so as to ensure long-term healthy development.

Of course, this is by no means a small fuss. Such as essential professional evaluation research institutions and evaluation teams are essentially a strategic thing, which requires a lot of energy and a long time to form. If the pawn shop is too small, it is neither possible to do this, and doing so is also very wasteful. The larger the pawn shop, the greater the benefits of forming professional institutions and teams, and the more proportional the efforts and returns.

At the same time, pawnshops cannot exist, and there must be corresponding formal second-hand trading platforms.

In view of the general chaos in the second-hand trading market for a long time in the future, Chen Guobin believes that the regular pawn shop system should establish a formal and professional second-hand trading market by itself. This not only ensures that the numerous valuable items absorbed by the pawn shop system can be turned over in a timely and reasonable manner, but also allows more and more people to gradually develop the habit of dealing with redundant property that is not easy to notice but is actually large, thereby significantly increasing the potential market energy. On this basis, the second-hand trading market can also be regarded as a strategic direction closely coordinated with the pawn shop system. Their complementation can generate extremely huge energy. The regular second-hand trading market itself is also a field with great development prospects - there are much more second-hand goods than first-hand goods.

Chen Guobin’s basic idea is based on a highly specialized and large-scale pawn shop-second-hand trading market system to win a monopoly position over the market. As long as this system has sufficient scale and good order and can ensure people’s reasonable rights and interests, people will become more and more willing to release the huge wealth they actually have to this trustworthy system (whether it is mortgaged for money from such pawn shops or directly traded for money in this type of second-hand market, it is OK. The only difference is that there is different convenience. It is naturally the simplest and most troublesome to make money from pawn shops, but the price will be a little lower than the market), and converted into money to meet the consumption that is easy to expand accordingly.

When this trend with snowball effect becomes more and more a common public habit, the prospects of the pawnshop-second-hand trading market system are immeasurable—it will be very stunning.

Overall, greatly expanding the types of transactions and allowing people to develop the habit of pawning and selling all kinds of redundant and valuable items. The effective combination of these two is the source of a new and huge financial empire with revolutionary and enormous energy. In fact, even the least effective families have considerable valuable items, but they are usually not noticed. Chen Guobin targeted all these infinite wealth that can be circulated - both high-end and low-end, both new and old, with unprecedented variety.

As for the banking attributes essentially, Chen Guobin understands this: when a customer comes to the mortgaged goods with valuable items to be used to mortgage through reasonable valuation, the pawn shop will pay the corresponding money to the customer, which is essentially the same as bank lending. If a customer wants to get the mortgaged items back, he needs to repay the money within the agreed time limit and pay the pawning fee (interest), which is essentially the same as repaying the loan. From this point of view alone, the pawn shop has the great charm of legal loans. As long as the scale of this loan (i.e. pawn shop-second-hand trading market system) continues to expand, it will eventually become a legal capital giant. However, legality is the eternal pain in the hearts of private capital, and it can only be carried out in the dark.

On the other hand, when a customer comes to the mortgage with the valuable items through reasonable valuation, it can also be understood as the customer saving money - the valuable items and money are essentially the same. If the customer exceeds the agreed time limit and does not come to redeem the valuable items, the pawn shop can easily sell the valuable items at a price that is necessarily higher than the pawn price through its own professional second-hand trading market, and make profits from it. This sales process can be regarded as a "bank" (pawn shop) investing considerable returns (earning the difference) with the "money" (price items) deposited by the customer.

In short, Chen Guobin believes that as long as this pawn shop-second-hand trading market system is truly established according to the model he envisions, it will be able to fully possess the full attributes of the bank and eventually play with immeasurable huge capital. As for what other investments these capitals are used for, it is the usual attributes of capital, which has long been known.

However, the strict requirements of high scale, high professionalism and high standardization greatly limit the entry of potential operators. It is easy to enter the industry, but it is very difficult to enter the industry. Chen Guobin now needs an opportunity. He needs to find people who are capable of doing this industry well, and develop strategies such as establishing evaluation research and training institutions and building a professional evaluation team that requires a lot of time to be carefully cultivated (this is an extremely critical preparation stage. Without a corresponding high-quality professional evaluation team, it is impossible to form a pawn shop-second-hand trading market system, and then everything will lose its meaning). At the same time, he also needs to find and convince cooperative investors with vision and courage to solve the source of huge funds, so that the pawn shop-second-hand trading market system with new characteristics will appear suddenly in a large-scale manner, seizing the initiative and firmly consolidating this monopoly position.

It was almost noon, and the sun was rising very high. Chen Guobin was driving on a main road east of the city to continue wandering. Along the way, he also learned about the situation on the streets of Xingcheng at the same time, fully felt and relived the typical characteristics of the late 1990s and the old century, and the old millennium was about to end. He was very moved and a little enlightened.

When Chen Guobin found a grand sign on the front right, he suddenly lit up before his eyes. He saw the words "Jingcheng Pawning Chengdong Store". The store is transparent. The situation inside can be clearly seen through the wide glass. It is quite spacious. The staff also looks more elegant and dressed in a uniform and neat manner. At this time, there were several customers inside, sitting around several glass tables and warmly neatly negotiated with the staff in the store.

With a hint of surprise and curiosity, Chen Guobin finally stopped the car in front of the store, generously pushed open the glass door and walked into the store, feeling very at home, at least not depressing.

As he was looking around, a handsome female clerk with a bow immediately greeted her warmly and greeted her with a smile: "Hello sir, welcome to Jingcheng Pawnshop. I wonder if you want to be a thing or want to know about it?"

Chen Guobin nodded and replied lightly: "Let's learn about it first."

"Okay." The female clerk then made a polite invitation gesture, "Please..."

Chen Guobin quickly sat on the small glass-faced table with some color pages on it, grabbed a copy and swept it quickly, but it was an introduction to Jingcheng Group. It turned out that this Jingcheng Pawnshop chain store only covers several areas of business scope, and it is said that it has fixed assets of 30 million yuan.

"Sir, what aspects do you want to know?" asked the female clerk who was sitting opposite the table enthusiastically.

Chen Guobin put down the information and pondered for a while: "What are the main items for pawning?"

"Our store mainly accepts gold, platinum, diamonds, famous watches, automobiles, real estate, stocks and equity..."

Chen Guobin turned around and looked at the Fukang car distributed by the unit outside the store, without commenting: "Can that car be used?"

The female clerk looked at it and nodded without thinking too much: "Yes!"

“How is the price evaluated?”

“We have a master who specializes in the evaluation.”

Chen Guobin said oh, "Can you evaluate it now?"

"Can."

"Then let's evaluate it first."

"Okay. Sir, please wait!" the female clerk said politely, and got up and went to an office inside.

Soon, a middle-aged man walked out with the female clerk. Chen Guobin also stood up consciously, and after hears, he came out of the store together.

After a brief observation of the appearance and inside the car, and opening the hood and scanning it, the total took only five minutes, the middle-aged man concluded: "The ex-factory price of this car is 120,000 yuan, and it has been used for six years. The mortgage evaluation of our store is calculated based on the annual depreciation of 10%, so it can only be calculated as 40%, which means the appraisal price is 48,000 yuan."

Chen Guobin smiled slightly: "The country's forced scrapping period is fifteen years, and your depreciation is a bit too harsh. Moreover, the condition of my car is very good. If you don't even try it, how can you intuitively evaluate its true value? If I replace some important parts in the car with inferior sub-factory parts to pawn it, won't you die? Haha!"

"This..." The middle-aged man was stopped for a moment and smiled helplessly: "This is what we have always done."

Chen Guobin nodded in understanding: "Please, I'm not used this car for the time being. I'll go in and find out more and see what else is better to use."

"OK……"

At this time, a Toyota off-road vehicle behind him happened to stop, and then a tall woman wearing sunglasses walked out of the car. She was full of elegant temperament, which made the female clerk and the middle-aged man feel awe.

"Mr. Lin..."

Lin Shilei nodded slightly at them, and his majesty was faint: "You go in first." The two of them quickly left.

Hearing this familiar voice, Chen Guobin was slightly stunned, but he turned around generously, with a relaxed and natural look: "Miss Lin, is it you?"

Lin Shilei took off her sunglasses and looked at the Fukang car, laughing playfully: "Secretary Chen, are you planning to get rid of the bus?"

"If the price is right, it's okay." Chen Guobin joked, "But the price given in the store is too unfair, only 48,000. I want to buy it outside, but it's still not a big problem for 60,000 or 70,000."

He sighed and said with emotion: "The price of pawnshop cannot be too outrageously different from the market price. This short-sighted behavior of fishing out of the water cannot attract customers and cannot open the market at all. We must try our best to ensure fairness and justice."

"Oh..." A hint of surprise flashed across Lin Shilei's face and she smiled: "Secretary Chen, are you drunk? Are you interested in going to the office to chat?"
Chapter completed!