How to treat Lanzhou Public Transport Group's debt of 3.9 billion yuan to let employees get loans to pay wages? What's worth noting?

On the eve of the layoffs of state-owned enterprises, there were similar behaviors, except that there was no mobile APP at that time, and the practice at that time was called fundraising.

The reason for raising funds is that the enterprise has no cash flow. At that time, it was called "triangular debt", that is, everyone owed each other, resulting in cash flow.

They are all exhausted, and the leaders either go out to other people's enterprises to collect debts, or receive people who come to enterprises to collect debts in the office.

Although the enterprise has no cash flow, there are machine tools and equipment, even semi-finished raw materials and skilled workers. Everybody thinks so.

It's just a small difficulty. I'm glad I survived. ?

So the workers raised money to keep the business running. According to the different levels of cadres and workers, everyone has to pay a sum of money, the most common job.

People pay thousands of dollars.

Then, as you can imagine, once you are rich, first of all, well-informed creditors from all walks of life flock to you, and the money owed by others to the enterprise cannot be recovered.

The little money raised by enterprises themselves soon disappeared, and the funds raised by senior cadres were returned to cadres and workers in various ways.

The money was put into the general ledger of the triangular debt.

First, many workers' families have a little life savings through repeated fund-raising, and they work for a month or two and get paid.

A little salary and living expenses, telling me that there is no money in the account, which needs to be quietly consumed in fund-raising.

This is the story of workers who are laid off without food and clothes, because many families have exhausted their savings, even if men want to go out.

Working in the south, but even the travel expenses at home are difficult to prepare.

Large-scale layoffs are not a sudden disaster, but a patient and repeated sawing, constantly absorbing and washing dishes, and slowly killing.

In the process of losing the vitality of the family, people always take chances and think that the difficulties are temporary until the ability to struggle is exhausted. ?

In addition, the notice says that the company is responsible for the guarantee and interest, but you can only bear the guarantee responsibility and interest if you have money.

This is also the case. And this debt is between individuals and banks. As long as the company has no money to pay back, it will go bankrupt. In the end, the bank will collect debts, and the object of credit investigation will still be.

Borrowing workers. And if the company has money, do you still need employee loans?

The second is the local health and wellness Committee, the National Development and Reform Commission, and the Economic and Information Committee.

This is a nucleic acid test that is considered foolproof. To put it bluntly, some places are now virtually bankrupt.

It can be maintained, on the one hand, by illegally allocating funds, on the other hand, by illegally delaying, suspending and not paying.

Like Lanzhou bus in the news, when public opinion came out, it reissued 2000 yuan to employees.

8,800 employees, who knows where this 6.5438+0.76 million comes from.

These places bet on the recovery of real estate, transfer payment and exemption after the disposal of non-performing assets.

Just like half a year ago, all localities attacked the purchase restriction policy: resolutely not being the first city to openly oppose the purchase restriction, but every step is there.

Narrow the scope of the purchase restriction policy and finally have a collective showdown. ?

Now it is also: resolutely not to be the first city to publicly default and go bankrupt, but to signal with a large number of illegal misappropriation of funds.

Money.

Without money in the city, many styles of social governance will change.

There is a word called "begging for finance", which chubby friends seldom listen to. There were many such grass-roots units before comprehensive poverty alleviation.

Local financial resources are completely insufficient to support local expenditures, so we can only wait and rely on them.

In this environment, arbitrary fines, arbitrary charges and arbitrary apportionment will become the most direct problems.

A few days ago, the National People's Congress characterized this "three chaos" as "forbidden and not stopped", and every time you go down, you can find a pile. ?

Third, and the means are upgraded: in the past, I directly asked the company and knocked at the store; Now find white gloves instead and use some unnecessary services as "cooperation"

The form that will be sold to local enterprises. "

This behavior was covered up by the efforts of poverty alleviation and land finance in previous years. Now that the financial situation is deteriorating, some places will definitely have big money.

This will have a significant impact on the implementation of the policy of retaining tax cuts and vigorously making profits, so as to stimulate small and medium-sized enterprises.

Some people think that when they are short of money, it is time to solve old problems.

A bus company with 8,000 people must have extra staff and expenses. Check.

Good idea, but unrealistic: you can't lose weight during surgery.

The more debts are cleared, the more cautious the reform will be. Otherwise, it is likely to ignite the problem.

For example, many of these 8,000 people must be resettled according to the policy, including the transfer of downsized units.

At this time, in the name of "rectifying the finances", it must be the most vulnerable people who are laid off, not those who have the right to eat empty salaries.

Some.

This is the involution game in the stock environment. The lower the level, the first to fall.

By extension, it is "where is the increment".

Incremental digestion of problems has the lowest cost, and try to find increments in times of crisis.

Fourth, it seems that the current support table of half foreign trade and half fixed investment (large-scale infrastructure) is not enough to fill the land financial gap of at least 2 trillion. However, local governments have not indirectly relied on land finance for a long time and have gone deep into their daily operations.

The only increase that can be seen is that the government borrowed a large sum of money from the national credit and then really spent it on three guarantees.

But this seems to have become a nanny again, which conflicts with the principle of fiscal and taxation reform in the central region.

How big and how long the local debt mountain fire will burn is one of the cores of the recent game.

Have you ever seen Lao Lai, who is heavily in debt, be used as a guarantor? As long as anyone with normal IQ knows, Lao Lai can't be a guarantee.

People, because he has no credit.

If the company has credit, then he can also borrow money himself. Why did he ask for a loan from an employee and then guarantee it himself? This is not taking off pants.

Bullshit?

Therefore, this matter is not reliable at all. This guarantee is no different from the emperor's new clothes. However, it is inevitable that there will be people with unclear minds.

Employees believe it and borrow money to go to work.

5. What does this mean? This shows that not only the company wants employees to borrow money, but also banks actively participate. Therefore, it can be seen from this incident that it is not just this one.

The company broke through the bottom line, and even the relevant banks in Lanzhou did not hold it.

Strictly speaking, this is equivalent to the partnership between the company and the bank, similar to the fairy dance. I have always believed in business.

The main body should have business ethics and social responsibility, especially state-owned companies and banks. We can't be sorry for "state ownership".

Gold signboard.

Employees don't borrow money, which means that the company owes wages, which is equivalent to employees being creditors of the company.

If employees borrow money, employees will become debtors from creditors, and creditors will become banks. Everyone with insight knows that creditors.

And the position of the debtor.

Moreover, China attaches great importance to protecting the creditor's rights of banks. If the enterprise fails to repay the principal and interest as promised, the employees will not only bear the responsibility.

If you can't get the money, you have to bear the extra loan interest, and your personal credit will also be affected.