Chapter 20 (1/2)

Next month.

The store will start to press wages.

The main thing is to avoid people getting paid and not coming the next day. If this system is from the perspective of employees, of course, it is abhorrent, but as a boss, it has to be prevented.

He has heard many examples in his previous life.

The employee took the money and he couldn't find it the next day.

Even a lot of wonderful stories about stealing the company's things and running away directly make those bosses itch, especially saying ”no” in advance, you have to attack suddenly and be unprepared.

Of course.

Except for those bosses who have no conscience to earn money and are dead in debt.

This kind of boss should clean up.

There are collective strikes that force wages to rise. Those people don't think about it. It's not easy for you. Can't the boss's money be picked up? There are always a lot of people who think they don't have one. The boss should give them more.

Especially the former foreign trade companies.

Tang Qing felt the most.

Those relatives always think it's easy for the boss to make money.

Try to take advantage of the company. Anyway, I think it's proper for the boss to give me more money. I often ask the boss to borrow money, and these relatives never thought of paying it back, and they take it for granted.

Where do they know.

How does your boss pretend to be a grandson outside.

Ask grandpa to tell Grandma, laugh and play, and do everything possible to please good people.

Dignity.

Sometimes.

It's really a luxury.

Tang Qing followed him for several social gatherings, and Zhen zhen'er realized how difficult it was for the bosses of these small and medium-sized enterprises, how insecure they were, how without social status, and how misunderstood they were by the society.

Especially later, I worked on small loans.

More of them.

As a bystander, Tang Qing sometimes feels a pang of bitterness in his heart. In order to order orders, survive and pay employees in full, what he has to pay is far more than others' imagination.

Yes.

Many of those bosses are treacherous.

But most of them are honest, simple and diligent businessmen. The owners of small and medium-sized enterprises can hardly get loans from the banks. The banks only like to lend to large state-owned enterprises.

Even if the other side loses money year after year.

As a result, those who need money can't borrow, and those who don't need it can't use their strength. At last, they get it. Whether they need it or not, they need to dig the bowl first. Of course, many of them are political tasks, which Tang Qing can understand.

SMEs.

That's like a stepmother.

Banks don't pay attention at all.

Basically, more than 90% of enterprises, banks do not give loans at all, and we do not know how many potential enterprises have been strangled in the cradle and died on the threshold of capital depletion.

Leading to the expulsion of good coins from bad ones.

Later, there is a saying that if there is a loss of blood in private lending, small and medium-sized enterprises will die more than half, which is absolutely not exaggerated, but also reflects the prevalence of private lending in China.

In the coastal areas.

Basically, more than 90% of enterprises have used private loans. If not for the mutual borrowing and support of enterprises and individuals, enterprises in coastal areas would die in a large area.

Actually.

Tang Qing also understands the bank's approach.

After all, the process of lending 100 million yuan is the same as that of lending 1 million yuan.

Find a big customer to lend 100 million yuan, and a total of 100 small customers to lend 100 million yuan. How to choose this option? You can figure it out with your butt. The bank won't do this.

You can do it.

The size of the bank's loan reviewers has increased by several tens of times.

This requirement.

How can it be adopted in today's streamlined organization.

There is no way for Tang Qing to deal with this situation. After all, there are so many experts to help them come up with ideas, but they have not found a way to fundamentally solve this problem.

The only way the big boys do it.

It is to open up private finance.

Various loan companies.

Even major Internet companies are taking part in horse racing.

The strategy of the big boys is simple.

That is to say, major banks should basically maintain their positions and continue to serve the important economic entities of the country, while small and medium-sized enterprises should be handed over to private finance, local banks and credit cooperatives.

Otherwise.

Think about the dozens of requests from people.

Everyone has a headache.

As for the way to improve the efficiency of loans, banks should simplify the process.

It's good to say.

But to be honest, Tang Qing is not optimistic about anything, especially about money. Once it is liberalized, it is not the ordinary people who enjoy the benefits first, but the privileged class.

At home.

Once the opening is opened, the flies, mosquitoes, tigers and elephants will come in together, and you will go to the same front door, jump in line or replace to occupy your place. You can't kick him out of the game within the rules.

For so many years, the state has made great efforts to deepen and emphasize some aspects of the process, in order to reduce the influence of rights in it, or increase the cost, and try to avoid abuse of rights.

All of a sudden, I want to cut down the process that I have worked hard to establish.

So much fun.

In the end, the person who gets the cake is not the happiest one. Maybe in the end, he will be very happy and sad, watching others take money from the bank and make a wedding dress for others.

This is not anecdote.