第2节:老板八大财务难题(2)
最新网址:m.ltxsdz.com
虽然爱多公司巨大的广告投入极大地增加了运营成本,但这不是其倒闭的决定性因素,它倒闭的原因是很复杂的,其中不得不提的一点就是财务问题。龙腾小说ltxsba.com
爱多公司的广告攻势获得成功以后,其业务迅速扩张,而这与该公司资金紧张的状况发生了矛盾。胡志标为此想了各种各样的办法,比如说从银行贷款,从其他公司借钱,更致命的是,该公司还拖欠三角债,如拖欠供应商原材料费,向代理商预收代理费。这样一来,爱多的负债迅速上扬。根据中山市乡镇企业局的统计,1999年,爱多公司的所有资产加起来是2?2亿,负债是4?15亿,资产负债率是188%,资不抵债达1?95亿,也就是该公司所有资产全部变现用来偿债后,还拖欠债权人1?95亿元。很多企业和银行打过交道,在申请贷款时,银行一般要求其资产负债率不超过70%,高于70%,银行将拒绝发放贷款。可见爱多公司的财务状况实在不容乐观。
由于资金状况紧张,导致其长期拖欠供应商、代理商资金。在供应商、代理商不断催款的情况下,胡志标明知其银行账户资金不足,仍采取了开空头支票的办法。我们知道,一般支票的兑付期限都是10天,而爱多公司开立的支票期限长达3个月。即使这样,由于资金紧张,空头支票到期后仍然无法兑现。供应商和代理商们再也坐不住了,于是将爱多公司及其总经理胡志标告上法庭,最终,爱多公司倒闭,胡志标本人也以票据欺诈罪及另外两项罪行被判入狱。
为什么会发生胡志标这样的事情?一方面,从社会背景看,中国民企遇到的困难之中,最严重的融资问题一直没有解决——银行对于民营企业的贷款控制比较严格。在银行看来,民营企业规模较小,信用度比较低,赢利前景也不乐观,加上实际操作上的一些问题,所以对民营企业的贷款严格控制。可以说,中国的民营企业没有正常的融资渠道。这种不合理的金融管理体系严重地制约了民营企业的正常发展。更重要的一方面,是胡志标缺乏财务管理方面应有的知识,致使公司的资产负债率高达188%,真是“无知者无畏”。据有关媒体报道,只有高中毕业文凭的胡志标目前正在监狱中自学财务大专,非常注重企业管理知识的学习。也许忽视财务的惨痛教训对他来讲是太大了,商界奇才的不幸遭遇令人扼腕痛惜。
1?2科利华巧借壳上市大赚资本利润〖〗
提起科利华公司,大家可能不太熟悉,但大家可能对这件事还记忆犹新:1998年,在中央电视台黄金时段中,经常可以看到这样一则广告:著名导演谢晋手持一本书,意味深长地说:“读了这本书,能改变孩子的一生。”这本书就是《学习的革命》,是上海三联书店引进的一本外版图书。当时,科利华公司总裁宋朝弟偶然看到了这本书,就立刻决定动用大量资金对该书进行全国性宣传。于是上面的广告也就应运而生。
[记住网址龙腾小说ltxsba.com]
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