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title="應(yīng)屆畢業(yè)生網(wǎng)" target="_blank"></a> <a href="http://m.1-jiu.com/edu/jingyingguanli/" title="經(jīng)營管理" target="_blank" class="lanmu">經(jīng)營管理</a> <code>當(dāng)前位置：</code><a href='http://m.1-jiu.com/edu/' title='應(yīng)屆畢業(yè)生網(wǎng)'>應(yīng)屆畢業(yè)生網(wǎng)</a><code>></code><a href='http://m.1-jiu.com/edu/qiyeguanli/' title='企業(yè)管理'>企業(yè)管理</a><code>></code><a href='http://m.1-jiu.com/edu/jingyingguanli/' title='經(jīng)營管理'>經(jīng)營管理</a><code>></code>誰是扼殺企業(yè)的罪魁禍?zhǔn)祝? </div> <div id="5vajrimf" class="search"> </div> <div id="5vajrimf" class="rougao"> <a target="_blank" href="http://m.1-jiu.com/usr/login.html" title="我要投稿">我要投稿</a> <a target="_blank" href="http://m.1-jiu.com/contact.html" class="jianyi" title="投訴建議">投訴建議</a> </div> </div> </div> <div id="5vajrimf" class="main"> <div id="5vajrimf" class="main-left"> <div id="5vajrimf" class="article"> <script type="text/javascript">s("title_top");</script> <h1 class="title">誰是扼殺企業(yè)的罪魁禍?zhǔn)祝?/h1> <div id="5vajrimf" class="info"> <span id="5vajrimf" class="time">時間：2023-03-10 20:05:39 </span> <span id="5vajrimf" class="sm_after_time"></span> <span id="5vajrimf" class="source"><a target="_blank" href="http://m.1-jiu.com/edu/jingyingguanli/" title="經(jīng)營管理">經(jīng)營管理</a></span> <span id="5vajrimf" class="source"><a target="_blank" href="http://m.1-jiu.com/usr/login.html" title="我要投稿">我要投稿</a></span> </div> <script type="text/javascript">s("content_top");</script> <div id="5vajrimf" class="content"> <div id="5vajrimf" class="excellent_articles_box"> <ul> <li id="5vajrimf" class="excellent_articles_title">相關(guān)推薦</li> </ul> </div> <p>誰是扼殺企業(yè)的罪魁禍?zhǔn)祝?/p> <p> 　　是誰謀殺了眾多企業(yè)?面對著企業(yè)員工討薪，企業(yè)合作伙伴討債，銀行抽貸和民間高利貸利息的威逼，企業(yè)老板無奈之下選擇了“跑路”這一條不歸路，但又是誰點燃了最后一根導(dǎo)火線讓企業(yè)深陷危機甚至夭折的劊子手呢——民間高利貸，他既是社會的寄生蟲也是殘殺企業(yè)的劊子手。高利貸者為了極速謀取高額利息，利用黑社會組織不擇手段地向企業(yè)討債，通過負(fù)面新聞散播，煽動社會殘疾人，以及白布黑字討債等等惡劣的行為置于企業(yè)與死地，可想而知，高利貸者是市場經(jīng)濟的攪局者，是社會安定麻煩的制造者。</p> <p> 　　2014年，是被民營企業(yè)家稱之為最為煎熬的一年，而2015年對眾多企業(yè)生存而言是個極大的挑戰(zhàn)，眾多民營企業(yè)對市場環(huán)境的預(yù)測并未抱太大的希望;這一時期“求生存”成為眾多企業(yè)發(fā)展的目標(biāo)。歷經(jīng)金融危機的洗禮，企業(yè)受到了前所未有的重創(chuàng)還尚未撫平，2014年的“跑路潮”讓泉州的企業(yè)再一次成為焦點，也暴露出企業(yè)經(jīng)營者的艱辛。那么，又是什么樣的原因在同一階段讓眾多的企業(yè)“倒閉、跑路、欠債討錢、欠薪逃債”的問題紛紛暴露呢?我想關(guān)鍵的引爆點還是在“高利貸”</p> <p> <strong>　　在高回報的驅(qū)使之下，高利貸者“非法集資、非法吸存公眾存款、非法轉(zhuǎn)貸、非法放貸”的形式滋生在社會中。</strong></p> <p> 　　一大批的中小民營企業(yè)在短暫的2年之內(nèi)紛紛倒閉、出逃達到了上百家;而民間借貸是壓垮企業(yè)的最后一根稻草。從2014年6月份月以來企業(yè)老板“跑路潮”都與民間借貸有著直接的關(guān)系，這類民間高利貸存在的形式無非就是四種：以“非法集資、非法吸存公眾存款、非法轉(zhuǎn)貸、非法放貸”存在民間，滋生在以高處銀行信貸利息的4倍甚至更高的利益非法謀取高額利益，高利貸非法存在于社會并暗度陳倉地攪局著社會的穩(wěn)定。而眾多跑路的公司都與高利貸緊密相連，幾乎已放棄實業(yè)，再加上自身實業(yè)利潤又薄，資金周轉(zhuǎn)頻頻出現(xiàn)問題，并且在高利貸的威逼之下，他們只能選擇“跑路”。</p> <p> 　　中小企業(yè)為何頻繁出現(xiàn)資金的斷口?中小企業(yè)一般利用銀行貸款和民間融資，企業(yè)由于向銀行借貸的時間和企業(yè)發(fā)費的經(jīng)歷甚多，再加上近兩年由于銀行信貸緊縮，中小企業(yè)缺乏融資渠道，致使中小企業(yè)對民間融資的追捧熱度增加。中小企業(yè)為了能夠支撐日常的正常運轉(zhuǎn)不得不向把借貸的方式轉(zhuǎn)向民間借貸。由此引發(fā)的一系列糾紛，是導(dǎo)致中小企業(yè)關(guān)停倒閉、企業(yè)家出逃的主要原因。同時企業(yè)的倒閉也會引發(fā)其他上游供應(yīng)鏈和與之擔(dān)保的關(guān)聯(lián)企業(yè)被受牽連而陷入困境。并且企業(yè)“破產(chǎn)和倒閉”的現(xiàn)象正逐步地向群體蔓延的趨勢;據(jù)悉，民間借貸的利率水平逐步升高，一般月息是2到6分，有的高達1角，甚至1角5，年利率達180%。但是做實業(yè)型的企業(yè)，大多數(shù)毛利潤不會超過10%，一般在3%-5%，可謂高利貸利息如虎。但是在銀行縮貸和抽貸的壓力之下，企業(yè)不借貸就等于等死，而借高利貸至少可以讓企業(yè)有個發(fā)展的時間空間，但是高利貸的危害讓企業(yè)陷入風(fēng)口浪尖。當(dāng)企業(yè)進退兩難時，企業(yè)無奈之下只能選擇高利貸，這在鞋服、化工、鋼鐵、百貨等產(chǎn)業(yè)中表現(xiàn)尤為明顯。</p> <p> <strong>　　高利貸是市場經(jīng)濟的攪局者，是社會安定麻煩的制造者，他吞噬著企業(yè)并置于企業(yè)于死地。</strong></p> <p> 　　我想大家應(yīng)該有所認(rèn)知：借貸的主體出借方主要還是個人，少數(shù)包括一些中介和準(zhǔn)金融機構(gòu)，但是相對數(shù)量甚少，由于借入方大多是中小型民營企業(yè)，民間借貸放款速度之快、抵押簡單方便快捷，成為新時期眾多借出方生存的行業(yè)。按照目前借貸的形式，大多企業(yè)民間借貸利息高，高則達到6分，少也要2分，這樣企業(yè)長期下去，企業(yè)運營的成本逐漸增大，加劇企業(yè)額外的重負(fù)。另外一方面，由于民間借貸的利息之高，企業(yè)融資后為了快速較少借貸產(chǎn)生的利息將一部分投入到“錢生錢”的階段，進而想獲取因借貸損失的利潤，久而久之企業(yè)因?qū)①Y本大量投向非生產(chǎn)領(lǐng)域?qū)е缕髽I(yè)內(nèi)部產(chǎn)業(yè)資金供應(yīng)嚴(yán)重不足，從而影響本企業(yè)自身正常運營。第三方面，在市場規(guī)律優(yōu)勝劣汰的競爭壓力之下，由于企業(yè)管理或經(jīng)營過于保守或陳舊，導(dǎo)致的破產(chǎn)或倒閉，這是正常的現(xiàn)象。第四方面，企業(yè)本身經(jīng)營出現(xiàn)資金的斷層，再加上民間借貸的壓力或是銀行轉(zhuǎn)貸的壓力，讓企業(yè)雪上加霜，加大企業(yè)跑路的絕境，這類現(xiàn)象是目前緊逼企業(yè)跑路現(xiàn)場的最為直接因素。</p> <p> 　　此外，在民間借貸上，高利貸者為了規(guī)避借貸風(fēng)險，要求多方聯(lián)保，這種聯(lián)保形式牽涉到多家企業(yè)，一旦出現(xiàn)多方聯(lián)保，金額巨大的一旦企業(yè)出現(xiàn)資金不流暢就會引發(fā)一連串的倒閉或跑路現(xiàn)象，當(dāng)這種一家借貸的企業(yè)跑路時，將會牽動多家企業(yè)的聯(lián)保，并且在民間借貸市場利率高漲的情況之下，多家聯(lián)保企業(yè)也充當(dāng)了債權(quán)者的角色，由此在民間借貸的重壓之下，引發(fā)的企業(yè)跑路潮呈現(xiàn)多米諾骨牌效應(yīng)。</p> <p> 　　縱觀2014年的6月起，短短的半年之余，出現(xiàn)了農(nóng)民工到政府大樓拉橫幅討薪討債，大街道黑字白布懸掛的討債等等現(xiàn)象眾多，引起了社會不安定的現(xiàn)象屢屢皆是。但是更讓社會和企業(yè)不安穩(wěn)的便是非法討債的黑社會團伙為了從討債中獲取巨大金額策劃了散播企業(yè)經(jīng)營不善的謠言，包括聯(lián)保的企業(yè)也深陷其中;高利貸者利用殘疾人到企業(yè)辦公場所擾亂秩序，或是讓殘疾人在企業(yè)日常的營業(yè)門店干擾客戶進店購買，以及拉斷企業(yè)供電、亂扔垃圾到企業(yè)運營場所、亂噴漆影響企業(yè)品牌形象、肆意召集社會惡混到企業(yè)經(jīng)營場所靜坐等等非法行為，嚴(yán)重地影響企業(yè)日常的運轉(zhuǎn)和產(chǎn)品銷售，再加上高利貸財主雇養(yǎng)黑社會團伙肆無忌憚地煽動謠言，讓企業(yè)內(nèi)部員工驚慌失措，加劇員工對企業(yè)失去了信心，進而更是加大企業(yè)無法生產(chǎn)，企業(yè)內(nèi)憂外患的困局，讓企業(yè)深陷巨大危機，于此引發(fā)的企業(yè)與員工、企業(yè)與供應(yīng)商、企業(yè)與代理商等等的矛盾越發(fā)嚴(yán)峻。</p> <p> 　　眾所周知，引發(fā)眾多企業(yè)跑路的現(xiàn)象最為根本的原因是企業(yè)自身經(jīng)營不善，但是值得我們反思的是直接觸發(fā)企業(yè)跑路的是民間高利貸;他們不擇手段地指使黑社會勢力對企業(yè)的“打、搾、鬧、恐嚇、威脅”等侵犯行為，帶給企業(yè)巨大負(fù)面影響，是企業(yè)瞬間夭折、跑路的罪為禍?zhǔn)住?/p> <p> <strong>　　政府應(yīng)高度關(guān)注高利貸帶來社會巨大破壞，嚴(yán)格規(guī)范非法討債以及嚴(yán)重地打擊黑社會團伙非法討債行為。</strong></p> <p> 　　第一，政府應(yīng)該嚴(yán)厲查辦高利貸者收買黑社會團伙向企業(yè)討債的行為。由于高利貸者試圖快速地謀取高額利息，這種高額的利息低著幾百萬，高者上千萬，這在晉江行業(yè)里頭是很普遍的現(xiàn)象。而且高利貸者討債的手段極具殘忍，這無非就是加劇企業(yè)動蕩不安甚至直接破產(chǎn)。政府應(yīng)該求嚴(yán)厲打擊暴力討債等違法犯罪行為，依法維護企業(yè)正常生產(chǎn)和金融秩序穩(wěn)定。對非法金融機構(gòu)和非法融資行為，堅決依法予以取締與查處，為企業(yè)自救保駕護航。當(dāng)然了，對于高利貸者超出金融機構(gòu)利率的，獲得的利息收入應(yīng)該要納稅。</p> <p> 　　第二，對于中小企業(yè)目前因貸款融資難的先天性不足，政府需出謀劃策，并協(xié)力與企業(yè)站在統(tǒng)一戰(zhàn)線上，嚴(yán)厲打擊“非法集資、非法吸存公眾存款、非法轉(zhuǎn)貸、非法放貸”轉(zhuǎn)變高利貸者的社會角色，促成高利貸與企業(yè)間的關(guān)系，比如高利貸借貸的債務(wù)可以轉(zhuǎn)變成占據(jù)企業(yè)股份，讓高利貸與企業(yè)共同發(fā)展，共渡危機。或是政府應(yīng)該協(xié)調(diào)高利貸與企業(yè)間的敏感關(guān)系，為企業(yè)爭取更多的時間和空間，讓企業(yè)正常運轉(zhuǎn)，同時企業(yè)正常運轉(zhuǎn)可以確保高利貸的利益不受損失，讓企業(yè)得到時間和空間的發(fā)展也讓社會得到安定。</p> <p> <strong>　　如果在高利貸的威逼之下或是高利貸利用非法途徑讓企業(yè)深陷巨大危機，那么受害的最終一定是高利貸。</strong></p> <p> 　　第三，政府出臺扶持中小型企業(yè)的政策，促進經(jīng)濟轉(zhuǎn)型發(fā)展。政府應(yīng)適當(dāng)?shù)厣斐?ldquo;援手”，成立“企業(yè)重組救市基金”，幫助有發(fā)展?jié)摿ζ髽I(yè)解決資金壓力并與企業(yè)共同渡過難關(guān)。在企業(yè)債務(wù)上，政府需要適當(dāng)?shù)爻雒鎱f(xié)助企業(yè)化解債務(wù)風(fēng)險和危機。同時，銀行要擔(dān)起責(zé)來，商業(yè)銀行應(yīng)該轉(zhuǎn)變偏好大型企業(yè)的觀念，根據(jù)中小企業(yè)的特點，通過一系列措施，為中小企業(yè)提供貸款支持。</p> <p> 　　第四，政府應(yīng)當(dāng)“規(guī)范民間借貸，既能讓中小企業(yè)方便獲得所需的資金，又能給中小企業(yè)民間資本找到“血源”，避免由于民間借貸的糾紛到處煽動企業(yè)謠言而使企業(yè)深陷品牌危機。并且政府應(yīng)當(dāng)盡快制定出臺民間借貸的相關(guān)法律法規(guī)，開展民間資本管理服務(wù)試點，引導(dǎo)和鼓勵經(jīng)政府部門批準(zhǔn)的機構(gòu)正常開展民間借貸業(yè)務(wù)，讓民間借貸做到規(guī)范、有序，又能助推企業(yè)的發(fā)展，達到政府、企業(yè)、民間借貸、銀行四者間的和諧發(fā)展。</p> <p> 　　熱切呼吁當(dāng)?shù)卣畤?yán)厲打擊高利貸對社會的巨大危害和破壞，能給予民營企業(yè)有個良好和健康的創(chuàng)業(yè)環(huán)境，以及為企業(yè)提供和諧的創(chuàng)業(yè)空間。</p> <p> 　　在高利貸的威逼之下，眾多潛在的中小企業(yè)由于在市場競爭環(huán)境之下資金回轉(zhuǎn)緩慢，再加上成本過高，企業(yè)爭取的資金流時間和空間都受到極大的限制，再加上高利貸者的威逼，直接促成了企業(yè)邁向夭折。高利貸者作為以高利益、高回報，不擇手段的非法討債行為已經(jīng)嚴(yán)重地違法國家法律，并且嚴(yán)重地影響到企業(yè)日常的經(jīng)營，其破壞和危害極大，嚴(yán)重構(gòu)成企業(yè)內(nèi)部員工分崩離析，企業(yè)外部銷售受阻，企業(yè)合作伙伴紛紛撤離并討債，以及讓企業(yè)深陷社會負(fù)面新聞的殘局等等一系列嚴(yán)重后果，讓眾多細(xì)心經(jīng)營多年的優(yōu)勢品牌深處夭折，造成國家資源大量浪費和社會不穩(wěn)定。</p> <p> 　　雖然中小企業(yè)在近些年變化異常突出,其創(chuàng)造的工業(yè)產(chǎn)值在整個經(jīng)濟體中比重已經(jīng)過半,其發(fā)展勢頭不容小覷.但是在高利貸血淋淋的威逼之下，企業(yè)生命也只是曇花一現(xiàn)，何談發(fā)展。2015年，對于今年的眾多企業(yè)來講，路，依舊那么坎坷，高利貸的寄生蟲依舊肆無忌憚地在向企業(yè)蔓延。今天的企業(yè)面臨更多的不是發(fā)展的問題，不是管理的問題，不是團隊強大不強大的問題，而是火燒眉睫的巨大債務(wù)問題，企業(yè)的今天能否正常運轉(zhuǎn)也許就在債務(wù)人和債權(quán)人的一念之間。本篇文章只愿大家一同關(guān)注當(dāng)下風(fēng)雨飄渺的企業(yè)生存的命運，也熱盼與呼吁國家能夠嚴(yán)厲打擊黑社會討債分子，為民營企業(yè)提供和諧健康的創(chuàng)業(yè)環(huán)境。</p> <script>s("content_relate");</script><p>【誰是扼殺企業(yè)的罪魁禍?zhǔn)祝俊肯嚓P(guān)文章：</p><p><a target="_blank" href="http://m.1-jiu.com/edu/youjiaozaojiao/16698.html" 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