A precursor to bank failure

1, the industry profits continue to decrease. The most direct cause of enterprise bankruptcy is that it can't make money. As for why an enterprise can't make money, there are many reasons, one of which is the overall decline in industry profits. Especially in some traditional industries, under the background of increasingly fierce competition, most industries can only fight price wars, with lower and lower prices and smaller profit margins. When one day profits can't cover costs, enterprises will naturally fall down. 2. More and more enterprises began to change careers. The collapse of an enterprise can actually be seen from the development trend of the industry. When more and more people leave an industry, more and more enterprises start to switch to other things, indicating that this industry has gone downhill. If an enterprise insists on not choosing transformation, it will fall down sooner or later. It's getting harder and harder to get a loan from the bank. Judging the quality of an industry, I think it can be seen from the bank's credit policy, because banks are in contact with too many enterprises. As for what the industry is like, banks can even see it more clearly than business operators. If an industry suddenly finds it difficult to borrow money from banks at a certain time, it means that banks have begun to dislike this industry or realize the potential risks of this industry, so they will not lend to these industries. At this time, enterprises related to this industry will certainly face many risks and may close down if they are not careful. The salary of this industry will not increase for a long time. The development of an industry can actually come from the overall wages of the industry. When the industry develops very rapidly, the overall wages of the industry will also increase rapidly. However, if the wages of an industry do not increase for a long time or increase slowly, this shows that the development of this industry has peaked, and it is difficult to have more room for development in the future. At this time, related enterprises related to this industry may face many uncertainties. 5. There are more and more substitutes. The rise and fall of the industry is often due to the emergence of some new products replacing old products. For example, feature phones were very popular in the past. At this time, Nokia swept the world. However, after the smart phone came out, Nokia still insisted on the original brick machine, and the result was slowly replaced by new entrants. Therefore, when there are more and more substitute products in an industry, but enterprises still do not make any response and do not change their business ideas in time, they will fall down sooner or later. From a microscopic point of view, the symptoms reflected before the collapse of enterprises mainly include the following points. What we said earlier is mainly the impact of changes in macro-environmental industries on the survival of enterprises, but from the actual situation, whether it is those fast-growing industries or traditional sunset industries, enterprises may fall down at any time. The reason why some enterprises fall down is more because of their poor management. If a company has the following symptoms, it can basically be judged that the company is not far from bankruptcy. 1, the atmosphere at work is lifeless. If an enterprise is in a rapidly rising stage, the atmosphere of going to work will certainly be very active, and employees will be busy doing all kinds of work and discussing work. If one day the working atmosphere of an enterprise is dead, and no one speaks or even taps the keyboard during working hours, then the enterprise is not far from falling down. 2. Enterprises have meetings all day. When an enterprise is in a high-speed development stage and its business is growing rapidly, I believe that this enterprise does not have much time for meetings. If an enterprise is busy with meetings all day, it means that the enterprise has nothing to do. The key is that they don't go to trouble and hold meetings all day to engage in various big strategies, and the enterprise will die sooner or later. 3. Competent employees are not reused. For an enterprise, the most precious thing is actually the staff resources. Capable employees are crucial to the development of enterprises, but in reality many bosses are crony and like to reuse those who only kiss up and do nothing. This practice will hurt those employees who have real materials. When these genuine employees are not reused, they will either walk slowly or resign directly, which will have a great impact on the enterprise and will definitely affect the development of an enterprise in the long run. 4. More and more employees leave the enterprise. The most obvious sign before the collapse of enterprises is that there are more and more employees leaving, and the employees are still losing. On the one hand, the treatment may be unsatisfactory, on the other hand, there may be many problems in management, and employees can't see the development prospects of this enterprise and can only leave their jobs. The development goal of the enterprise is constantly changing. Now that some enterprises are slightly bigger, their bosses are even more ambitious and want to do this and that. He saw others making money in that place, and he also wanted to get involved, so the goal of the enterprise is changing and lacks qualitative. When a career development goal changes, it will lead to the lack of continuity and determination in enterprise development, and may eventually lead itself to the abyss. 6. The boss's promise has not been fulfilled. At present, some bosses often fool employees into making various promises. For example, if you do well, you will be promoted, and if you do well, you will be given a higher bonus. However, the real employees have not fulfilled these promises, which will greatly undermine the confidence of employees. Once employees see the boss's ability to fool, many people will not work honestly for you, and those who have the ability will leave one after another, so that the enterprise will collapse sooner or later. 7. Corporate welfare is getting worse and worse. If the welfare of an enterprise is getting worse and worse, it can directly reflect that the profit space of this enterprise is getting smaller and smaller, or that although the enterprise has profit space, the boss takes money to make other investments and is unwilling to give benefits to employees. This kind of enterprise that does not pay attention to the welfare of employees will not care about the business of the enterprise. If employees don't work hard, the enterprise will not be far from falling down. 8, do not pay attention to customer complaints. I found that the after-sales service of some enterprises is very poor. For example, some customers complain to the enterprise, but the enterprise ignores it, and even has no customer service phone number, so it is impossible to communicate with customers in time and keep abreast of the market's feedback on products or services. This kind of behind closed doors will be abandoned by consumers sooner or later. 9. The company is in arrears with employees' wages. When one day the enterprise goes to the time when it is in arrears with employees' wages, it shows that the enterprise has lost its half-life and is not far from falling down. 10, executives frequently change jobs. No matter whether the enterprise has problems or not, I believe that the executives will definitely get the news at the first time. If many executives change jobs frequently in a short period of time, it shows that even executives can't see the development prospects of this enterprise, then this enterprise is not far from falling down. 1 1, Bank of loans overdue. If it is not necessary, I believe that enterprises will not easily default on bank loans. If one day the enterprise can't even pay the bank loan, it means that the cash flow of this enterprise is very tight and may fall down at any time.