Chapter 575: Getting married (15)

Chapter 575
"I'm insurance. Think about it. We used the operating funds. If the company makes a business error next month, what shall we use to repay the supplier's purchase price and the employee's salary? It’s troublesome. Millions and tens of millions. It’s very possible that the company will go bankrupt and go bankrupt just like that. This is no joke. I have analyzed the reasons for the bankruptcy of many companies, and it is basically the reason why they went bankrupt." Fang Zhi Qiang said seriously.
"Yes, you're right, but have you ever thought that if you make a business mistake and have no business for a month, how far is your company from closing down? I admit that you did that, yes There is a lot of risk, but starting a company is to do business, and doing business is inherently risky. If you don’t want to take risks, why do you start a company? I have worked in finance in several large companies, and all companies of this size are What's more, you are a small company that works like this? And, I didn’t tell you to embezzle all of this money. I just did a calculation for you. You can move about 6 million of funds. You can take a little insurance. Move one-third, move two million out, so that even if you have a problem, that is, one or two million things, one or two million will not go bankrupt, right? There shouldn't be much risk, right? You You know, you still have 4 million there, and you can deal with any problems. Moreover, I can't figure out at all. You are ready to use the reserve fund. Why don't you use this business fund? I can't figure it out." Liu Yan was not able to get up by Fang Zhiqiang.
"Only embezzle a part? This...this seems to be feasible, let me think about it." Fang Zhiqiang hesitated.
"If you want a shit, it must be feasible. Large companies and large enterprises do it like this. I tell you, it is normal for companies like ours to embezzle 80% of cash flow. Fifty is very safe. If you are really worried, if you embezzle 30%, it will be almost the same as if you don’t embezzle right now. There is no risk at all. It is normal for big companies to embezzle 100%. It is the means by which the company operates. Cash flow is such an important resource. Only if you are so stupid, let him keep it on the account. There are tens of millions of funds in the company's account all the year round, but I am worried about this million. Every time I look at the funds on that account, I feel depressed." Liu Yan scolded.
"Then why didn't you say it earlier? I haven't started a company, nor did I work in finance. I don't even know how other big companies operate. I'm just reading a book on business management, but there can be no such thing in the book. You should have told me earlier, I always thought it was such an insurance, I never thought I could embezzle part of it." Fang Zhiqiang seems to have finally figured it out and said quickly.
"You still blame me, think about it for yourself, did I mention it to you twice? But what do you say? Business funds must not be moved, especially payment funds, a penny can not be used, there is nothing in this matter Negotiable. You are the boss and I am an employee. You have this attitude. What can I say? I wouldn't mention it today if it wasn't for your idea of ​​making this business money." Liu Yan gave Fang Zhiqiang a white look.
Fang Zhiqiang thought for a while, as if he did say this many times. Fang Zhiqiang admitted that he was wrong this time. He is still a rookie in many aspects of operating and managing the company and has too much to learn.
"I admit, I was wrong, Sister Liu, Sister Yan, I was wrong. In the future, I promise to listen to you more, and it will never be like this time. What is your suggestion? I listen carefully." Fang Zhiqiang Smile authentically.
"The suggestions I said are the same thing. Now that you have finally come out of this dead end, I will tell you. I just mentioned a few numbers. I don’t recommend that you move 100% of the supply and Employee salaries, that is, operating funds, but according to our company's situation, 80% is completely fine. How much do you think we appropriate?"
"Eighty percent is too much. We are a small company, and you have to know that I don't have any deposits on my own. On the contrary, I still owe money. Once something goes wrong, I have no money to make up this hole. You Having worked in a large company for so many years, how much do you think is the most secure in light of our company’s situation?
"The safest way is 30%. There is no problem at all. However, I think 50% is feasible and the risk is controllable. This is my rough calculation based on our company's financial income and expenditure. from."
"Then... let's do it at 30%." Fang Zhiqiang thought for a while.
"Are you too careful?"
"It's better to be careful. Our company is not like a big company. Its foundation is unstable and it falls as soon as the wind blows. Therefore, it can't be so aggressive." Fang Zhiqiang shook his head.
"What you said is right, then I'll calculate an account for you, and calculate it at 30%. Now the monthly business account is 11 million, so you can spend 3.5 million. , This is no problem at all. Hadron, 3.5 million, I think your best way is to put out 3 million for investment, leaving about 600,000 as reserve funds. Reserve funds remain at six It is most reasonable to be around one hundred thousand. These three million are used for investment, which has a significant effect on the company. I don’t understand the business. You know better than me. You should understand that at this time, you should spend three million to invest in the company. It indicates something." Liu Yan said.
Fang Zhiqiang was silent for a while, and a long time later, he suddenly laughed. He gave Liu Yan a thumbs up and said, "Liu Yan, you are really my savior. You don't know how much you have helped me."
"It's not that I help you, it's that I think you should listen to the opinions of others more humbly in the future, and don't deny it before others have finished speaking. After all, you are not a professional, and the people below you are professionals. , It’s good to listen to others’ opinions. I’m not just talking about me, including everyone.
Liu Yan reminded Fang Zhiqiang that she was the only company in the company who dared to speak like this, and no one else dared.
"Yes, I also realized my mistake, and I will definitely correct it in the future." Fang Zhiqiang said sincerely, then took out the application form on the table, signed it, and then took out the paper and started writing. Signed it, took the seal and handed it to Liu Yan, and said, "I did the car purchase right away. I signed the order for this million. You help me get my private card. Come here, I'll return it to Wang Xia. You can make a detailed calculation plan for me to move the business funds over there, and we will form a set of mechanisms. I'll call the people from the marketing department over and come when we are working hard. Up."