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不要把储蓄变成嗜好

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不要把储蓄变成嗜好

《塔木德》说:“一块沉入红海的金子和一块石头没有什么区别。更多小说ltxs520.com”作为商人的犹太人不

主张以储蓄的方式生利。

东京的白领井上多金10年前结了婚。由于夫妻俩每月省吃俭用,所有银行存折中的数字直线

上升,现在已经有2000多美元了。井上夫人时常向左邻右舍的太太们说:“如果没有储蓄,

生活就等于失去了保障。”

但是不知怎么,这个消息竟传到一位犹太朋友富凯尔博士的耳朵里。他是美国耶鲁大学

毕业生,专攻心理学,1年前来东京经商,由于商业上的接触,他们成了很要好的朋友。

富凯尔博士对井上夫人如此注重储蓄出乎意外地不欣赏,他讥讽道:

“你看,没有储蓄,就会觉得生活上失去了保障,如此着重物质,成为物质的奴隶,

人的尊严到哪儿去了呢?男人每天为了衣、食、住,在外面辛苦工作,女人则每天计算如何

尽量克扣生活费,她存入银行,人的一生就这样过去,还有什么意思呢?可悲的!不但大部

分的日本人如此,其他各国人也大半如此。”

“你大概知道,犹太人有一个世界闻名的富豪家族叫罗斯查德,这个家族自拿破仑时

代起,就一直维持巨富的地位,你们日本人之中,能够找出一位世界上知名的富豪来吗?认

为储蓄是生活上的安定保障,储蓄的钱越多,则在心理上的安全保障的程度就越高,如此累

积下去,永远没有满足的一天,这样,岂不是把有用的钱全部束之高阁,使自己赚大钱的才

能无从发挥了吗?你再想想,哪有省吃俭用一辈子,在银行存了一生的钱,光靠利息滚利息

而会成为世界上知名的富翁的?”

井上听了,虽然无法反驳,但是心里总觉得有点不服气,便反问道:

“你的意思是反对储蓄了?”

“当然不是彻头彻尾的反对。”富凯尔博士解释道,“我反对的是,把储蓄变成嗜好,而忘

记了等钱储蓄到了相当数目时可以提出来动动脑筋,活用这些钱,使它能赚到远比银行利息

多得多的钱。另外,银行里的钱越存越多的时候,你们在心理上觉得相当有保障,便靠利息

来补贴生活费,这就养成了依赖性而失去了冒险奋斗的精神。”

犹太人经商,很重要的秘方是不作存款。他们有钱不存入银行生利率。在18世纪中期以前

,犹太人热衷于放贷业务,就是把自己的钱放贷出去,从中赚取高利。到了19世纪后,直

至现在,犹太人宁愿把自己的钱用于高回报率的投资或买卖,也不肯把钱存入银行。

犹太人这种“不作存款”的秘诀,是一门资金管理科学。俗语讲:“有钱不置半年闲”,这

是一句很有哲理的生意经。它讲明做生意要合理地使用资金,千方百计地加快资金周转速度

,减少利息的支出,使商品单位利润和总额利润都得到增加。

做生意总得要有本钱,但本钱总是有限的,连世界首富也只不过百亿美元左右。但一个企业

,哪怕是一般企业,一年也可做几十亿美元,如果是大企业,一年要做几百亿美元的生意,

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