I can extract side effects

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

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

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

Wei Kang smiled lightly, and slowly explained his plan.

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

"The prices are all expensive, and they are all advanced consumption, but they can be used when you get them, and you can enjoy the full experience in advance. At the same time, they also have tool attributes, which can significantly increase users' income after ownership."

"In this way, if the payment threshold is lowered, instead of paying a large sum of money at once, but paying a small amount in monthly installments, they will naturally be able to afford it."

Wang Dali became excited in an instant: "That's right, many people become impoverished because of disabilities."

"They actually had jobs before they were disabled. After they were disabled, they lost their source of income when they couldn't work. As long as they are fitted with bionic hands and earn money again, they will definitely be able to pay the monthly installments."

"But how long can we offer installment payments?"

"The longest installment for electronic products is 24 months, and the car loan is usually two or three years, and the longest is no more than five years."

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

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

Wang Dali thought about it carefully, and said: "The price of the bionic hand is not much lower, the hardware cost alone exceeds 10,000 yuan, plus other seventy-eight eighty-eighth costs, and later maintenance costs, it is estimated that the total cost is close to two yuan. Ten thousand."

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

"Initial estimates, 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, and thighs to choose from. The price is about 30,000 to 60,000."

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

"The price of smart bionic hands abroad is at least 200,000 yuan, and the functions are not as powerful as ours."

Speaking of this, Wang Dali couldn't hide his complacency, and couldn't help grinning.

"Hehe, our price, to put it bluntly, is malicious competition."

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

"This..." Wang Dali was dumbfounded for a moment. He thought for a while and said uncertainly, "Five to sixty thousand a year? Or twenty to thirty thousand?"

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

He looked at the screen in front of him and read: "There are more than 85 million disabled people in our country, a very large number, including 25 million physically disabled, 21 million hearing disabled, and 13 million visually disabled. That adds up to nearly 60 million."

Wang Dali couldn't help but interjected: "The cochlear implant is relatively mature now, but the price is a bit expensive, and the artificial retina is also available, but it has not yet been mass-produced. Can we engage in these two in our next project?"

Wei Kang was speechless for a moment: "You know that the technology is mature, why do you still do this? What good does it do you to make money for the disabled? You can't make enough money, so you should leave some for friends and businessmen. You can't eat alone, right?" .”

"I'm talking about the family income of the disabled, listen to me and don't interrupt."

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

Wei Kang cleared his throat and continued reading.

"The average annual income of disabled families is 16,000 yuan, half of which is various subsidies, wages account for 38%, and property income only accounts for 2%. It can be seen that they basically have no assets and can only rely on state subsidies and part-time jobs to make ends meet."

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

"Even among the disabled, there are high and low incomes. Let alone the high ones, 20% of the low-income households have a per capita annual 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 for normal households only account for 37%."

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

"Our common people are not very rich, and the disabled have more hardships than ordinary people."

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

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

"Data won't lie. How many of you think such a user group can afford your bionic hand worth tens of thousands of dollars?"

Wang Dali tentatively asked: "Then we provide 5-year installment payment?"

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

Wei Kang calculated calmly. "It's not a bad amount."

"If it's 60,000 yuan for a bionic hand, the five-year installment will cost at least 12,000 yuan per year. You can afford it without eating or drinking."

"And if it is a disabled person who needs to install two artificial limbs, it will cost at least 100,000 yuan, and after five years, it will cost 20,000 yuan a year. In order to pay for this money, 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 they are sold, the installments will not be able to pay."

Wang Dali was silent for a while, and then he looked at Wei Kang expectantly.

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

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

"My method is money 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 100,000 yuan prosthesis, they only need to pay 10,000 yuan a year."

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

"After their hands and feet are healthy, they can work like normal people. Such expenses will not be a problem at all, and even the poorest disabled families can afford it."

Wang Dali stood up abruptly, both surprised and delighted.

"Mr. Wei, this method is good. You are so, so willing."

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

A bionic hand can have an installment as long as a mortgage.

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

Even a 60-year-old old man with a broken leg, who puts on a bionic leg to work as a doorman and clean up, can earn back the 3,000 yuan a year for prosthetics.

But Wang Dali quickly thought of one thing, if the 25 million patients with disabled limbs can all be purchased by installments.

The sales volume has opened up, but so many products are sold, and it takes ten years to get back the funds. 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 concern.

Wei Kang waved his hand, revealing a self-confident smile.

"You don't have to worry about that. Sanqing doesn't have much else, and there is really a lot of cash."

"Hey, let me tell you this, the company's cash reserves alone exceed 50 billion U.S. dollars."

"This money has been kept in the bank account without moving, and it only eats interest. It might as well be used for more meaningful things."

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

"$50 billion in cash reserves!"

Hearing this number, Wang Dali was stunned.

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

So I couldn't help asking: "Mr. Wei, with so much money, why didn't you buy, buy, buy, do some mergers, acquisitions and other transactions?"

Wei Kang said unhappily: "Why didn't I buy it? I established an industrial fund and bought a lot of stocks in technology companies."

"If there is something pleasing to the eye, very good young people, I will also be an angel investor. I just invested in a small robot start-up company not last month."

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

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

"Foreign countries have also bought some consumer business brands."

"It's okay to donate to charitable foundations every day."

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

Wang Dali looked at the boss's distraught look, and suddenly his breath was stuffed in his chest, and he couldn't say anything.

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

He really doesn't envy the days when he worries about how to spend money every day.

*****

Kunming, First People's Hospital.

It was raining heavily outside, and patients with umbrellas came in and out.

Suddenly, a delivery guy in a long raincoat hurried in.

The little brother is not tall, in his early thirties, with piercing eyes on his bronzed face.

He went straight to the window to get the medicine, waited for a few minutes, then turned around and left with a medicine bag tightly in his hand.

While walking, a pair of sci-fi silver-gray bionic legs were exposed from under the raincoat.

The two legs are like stepping on a spring, light and smooth, and they can go far away in an instant.

People suddenly widened their eyes and exclaimed: "Wow, look at his legs."

"Honey, I saw Iron Man!"

"This delivery guy is actually disabled."

"But he walks so fast! It doesn't look like he's lost his legs at all."

"It's really self-improvement to deliver food even when I'm disabled."

"Everyone who works hard deserves our respect!"

Passers-by were filled with emotion, and they raised their mobile phones one after another, took pictures of this windy back, and posted them on the Internet.

Soon, the video went viral on the Internet.

Not long after, Fan Dong, the delivery guy in the video, found himself online.

"If you didn't notice his legs, you wouldn't be able to tell he was walking with prosthetics."

"He walks very fast, at the same speed as a normal person. He must have practiced hard for a long time."

"If he's late for delivery, please don't complain to him!"

Looking at these comments, he felt the warmth from the netizens and couldn't help laughing happily.

“These comments are quite considerate!”

However, he didn't care too much, but continued to ride the electric bike to the next destination.

Two years ago, he lost his legs in an accident and had to use a wheelchair when traveling.

He once gave up on himself, unwilling to face the cruel reality, locked himself in the room, and played games every day.

Not only did the family lose their source of income, but they also had to pay 100 yuan a day for medical expenses.

His mother is getting old and his daughter is still young. In desperation, he can only go to the doctor alone in a wheelchair.

Every night, sitting in a dark room, he would talk to himself.

"I'm still young, and my days are still so long, how can I live a life where my clothes are my clothes, my hands are my food, and my mouth is my mouth?"

"The child is still young, and I especially want to fulfill the responsibility of a father."

Four months after the amputation, he tried to put on a prosthetic and struggled to pull himself together.

When the wound healed and he was able to walk with prosthetics, he went back to work and became a delivery guy.

A man who races against time with his legs.

At the beginning of the delivery, the weight of the whole body was pressed on the socket of the prosthesis. When walking, I could even feel the muscles swell up to support the prosthesis. It was very tiring, painful and painful.

However, he got used to it as he ran.

Sometimes when the meal delivery time is approaching, he even forgets that he is disabled and has an urge to run.

Several times, because he was afraid of wasting time, he just ran like this, and fell down a few times.

However, in the past two years of delivering food, what he felt the most was everyone's concern, and basically no one made it difficult for him.

If he is late for delivery, as long as he explains to the customer, he can gain understanding and respect.

Sometimes, some customers lose their temper when they don't meet each other.

But after the meeting, before he had time to apologize, the customer began to say sorry.

These lovely customers are so considerate, which makes him often embarrassed.

It's a pity that due to the drag of his prosthetic limbs, he was still unable to increase his speed, and the efficiency of delivering meals was not high.

I can only deliver 35 orders per day, which is much less efficient than other colleagues.

What he envied most was a "brilliant person" in the group, who set a record of 90 takeaway orders a day.

This talented man started delivering at 7 am and did not rest until 2 am. He was as tireless as a robot.

Although it is very tiring, it can relieve a lot of burden for the family. Fan Dong was very envious at one time.

But there was no way, he had lost his legs after all, and with the simplest prosthetic limbs, it was already good enough to be able to walk, but the speed was really not fast enough.

Not to mention running, even if he walked faster, he would quickly lose his balance and fall to the ground.

After this happened many times, he also gave up speed.

Until a few days ago, under the introduction of a friend, he got the opportunity to test the Sanqing bionic legs, and then he re-experienced the feeling of running.

That is really, the speed of the wind.

With the bionic legs, his legs no longer hurt when he runs up the stairs.

When encountering potholes on the ground, you don't have to move over slowly, but you can jump over it.

Although he lost both legs, he now has replacements.

He is still the same man as the wind.