Financial Crisis and Small and Medium-sized Enterprises

Why is there a financial crisis? Because there are many financial bubbles in the world now, that is, the original thing is 100 yuan, but because some people's means are worth 300 yuan, many things have gone up in price, but in fact, the government does not have enough money to raise the price of things, so the amount of money is lower than the value of goods, so a financial crisis will occur.

But why is it getting worse? That's because people don't want to spend their only assets when they see the price rise, but they can't drive sales without spending money. Without sales, the production industry will collapse, people's wages will fall, and without productivity, the government's power will be reduced, such as export and import. Without this, if it worsens, eventually human beings will fight for lack of food supply and eventually perish.

Therefore, this is a vicious circle. As long as you find the middle link, as long as you can spend money or invest well now, people will spend money. This is the only way to promote productivity, raise people's wages and become better.

Therefore, spending money quickly is the key to people. Moreover, if people don't spend money, money will depreciate more and more and eventually become waste paper.

According to the statistics of the central bank, at the end of June 20001,the balance of various deposits of financial institutions was 13.5 trillion yuan, of which the balance of residents' savings deposits at the end of the month was about 7 trillion yuan. By the end of September, 20001,the circulating market value of Shanghai and Shenzhen stock markets was1517.8 billion yuan. Obviously, banks are the most important investment channel for residents, and a considerable part of the financing sources of enterprises, especially small and medium-sized enterprises, should come from banks. According to the financial statistics of the first quarter of that year published by the People's Bank of China on April 12, 2000, at the end of March of that year. The national * * * issued 6,545.607 billion yuan of short-term loans, including 59.324 billion yuan from private enterprises and individuals, accounting for only 0.9%. It can be seen that the contact capital between small and medium-sized enterprises in China is seriously insufficient. The survey shows that 60.5% of enterprises have no long-term loans of 1 ~ 3 years. Even if they can get it, only 16% can meet the needs, 52.7% can partially meet the needs, and 3 1.3% can't meet the needs.

The information asymmetry of indirect financing of enterprises is also a problem, which has a great influence on enterprises.

Because of the economic crisis, with the decrease of people's desire to buy, the productivity of small and medium-sized enterprises will decline, and survival or extinction is a problem. In this way, employees' wages will be difficult and foreign investment will be less, because if they lose, the losses will be great.

So I summed it up, these aspects can relatively control SMEs.

Cut unnecessary personnel and increase certain bonuses for other personnel.

Stabilize people's hearts and strengthen productivity.

There should be investment, but not too much, and it should be stable.

Converting cash, banks have many times negative interest rates.

Increase foreign exchanges and see how other enterprises respond.

If it's too difficult, stop for a while and wait for the financial turmoil to improve slightly. It doesn't mean that your company has gone bankrupt, but it's better than losing money.

In short, we must hold on and don't make a move.

Luoyang read a report the other day.

Luoyang should grasp several projects to deal with the economic crisis, stimulate domestic demand and strive for national financial support.

Implementing the Fifth Ring Road Project in the suburbs of Luoyang. There is also the project of hardening the west main canal and guiding mud to Longmen Xishan and Luoyang; Guxian Reservoir Diversion Project to Luoning and Yiyang Mountainous Areas. The diversion of water from Xiaolangdi Reservoir to Xin 'an and Jin Meng will completely solve the problem that drought restricts agricultural development in hilly areas of western Henan.

Idle land that can't get on the horse for the time being is leased to land-losing farmers, laid-off workers and unemployed people in cities to engage in vegetable cultivation and supply it directly to cities.

Cancel all unreasonable toll stations around Luoyang and send urban buses to suburban counties, which will help expand urban-rural exchanges and reduce costs.

Rebuild Tang Ming, a symbol of Luoyang Palace in Sui and Tang Dynasties, and yingtianmen or Dingdingmen, a symbol of the eastern capital.

This is really a good idea. Only by increasing investment in hydropower and fixed assets can we hope to save the economic crisis.

The above information is purely personal and I hope it will help you.