My wonderful wife!

Chapter 575 Marriage (Fifteen)

"This is insurance. Think about it, we have used the business funds. If the company is in business next month, If something goes wrong, how can we repay the supplier's payment and the employee's salary? Then it won't be a problem. It will cost millions and tens of millions. It is very likely that the company will go bankrupt or close down just like this. This is no joke. I have analyzed the reasons why many companies went bankrupt, and basically they went bankrupt for this reason." Fang Zhiqiang said seriously.

"Yes, you are right, but have you ever thought about how far your company will be from going bankrupt if you make a mistake in business and are completely out of business for a month? Gap? I admit that doing so is very risky, but starting a company is inherently about doing business, and doing business is inherently risky. If you don’t want to take risks, then why are you starting a company? I have worked in finance in several large companies , This is how a company as big as others operates, let alone a small company like yours? Moreover, I didn’t tell you to misappropriate all the money. I just did a calculation for you, and you can definitely move about 6 million. You should be safer and move only one-third of the funds, move two million out. In this way, even if you have a problem, it is only a matter of one or two million. It is impossible to go bankrupt with a scale of one or two million, right? There shouldn't be much risk, right? You have to know that you still have four million on your side, so you can handle any problems. Moreover, I can't figure it out at all. You are even prepared to use the reserve fund. Why is this? I can't understand why you don't use this business money." Liu Yan was so aroused by Fang Zhiqiang.

"Only part of it? This... this seems feasible, let me think about it." Fang Zhiqiang hesitated.

　"What the hell are you thinking? It must be feasible. Big companies and big companies do it this way. Let me tell you, for a company with cash flow like ours, 80% of it will be misappropriated It's all normal. Misappropriation of 50% is very safe. If you are really worried, just misappropriate 30%. It will be almost the same as if you don't misappropriate now. There is no risk at all. Other big companies will misappropriate 100%. These are all normal things. This is the means by which the company operates. Cash flow is such an important resource. If you are so stupid, just let it sit on the account. There are tens of millions of funds in the company account all year round. But I am worried about this one million, and I feel depressed every time I look at the funds in that account." Liu Yan cursed.

"Then why didn't you tell me earlier? I have never opened a company, nor have I ever worked in finance, and I don't know how big companies operate. I was just reading business management books, but There is no way this is in the book. You should have told me earlier. I always thought it was safe, but I never thought I could misappropriate part of it." Fang Zhiqiang seemed to have finally figured it out and said quickly.

"You still blame me, think about it for yourself,Did I mention this to you twice? But what did you say? The business funds must not be touched, especially the loan funds. Not a penny can be used. This matter is not negotiable. You are the boss, I am the employee, and you have this attitude, what can I say? If you hadn't planned on making this business payment today, I wouldn't have mentioned it. "Liu Yan rolled her eyes at Fang Zhiqiang.

Fang Zhiqiang thought for a while, and it seemed that he had indeed said this many times. Fang Zhiqiang admitted his mistake this time. He was still a rookie in many aspects of running and managing the company. There are too many things to learn.

“I admit, I was wrong, Sister Liu, Sister Yan, I was wrong. In the future, I promise, I will listen to you more and it will never be like this again. What's your suggestion? I'm all ears. "Fang Zhiqiang said with a genuine smile.

"The suggestions I mentioned are the same thing. Now that you have finally come out of this dead end, I will tell you. I just mentioned a few figures. I don’t recommend that you move 100% of supply funds and employee salaries, that is, business 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 savings. On the contrary, I still owe money. If something goes wrong, I will not pay for it at all. There is no money to repair this hole. You have worked in a large company for so many years. Based on the situation of our company, what do you think is the safest? ”

“The safest way is 30%, there is no problem at all. However, I think 50% is feasible and the risk is controllable. This is roughly calculated based on our company's financial income and expenditure. "

"Then... let's do it at 30%. "Fang Zhiqiang thought for a while and said.

"Are you too careful? "

"It's better to be careful. Unlike big companies, our company has an unstable foundation and can fall when the wind blows. Therefore, we can't be so aggressive. "Fang Zhiqiang shook his head.

"You are right, then I will calculate an account for you. Calculated based on 30%, the current monthly operating income is one thousand and one thousand. One million, so you can come up with 3.5 million, which is absolutely no problem. Qiangzi, 3.5 million, I think your best way is to invest 3 million and leave about 600,000 as reserve funds. It is most reasonable to maintain the reserve fund at around 600,000 yuan. The investment of these three million will have a significant impact on the company. I don't understand the business aspect, but you know better than me. You should understand what investing three million at this time will mean for the company. "Liu Yan said.

Fang Zhiqiang was silent for a while. After a long time, he suddenly laughed. He gave Liu Yan a thumbs up and said, "Liu Yan, you are really my savior.ah. I don't know how much you helped me. "

"It's not that I'm helping you, but I think that you should listen to other people's opinions more humbly in the future, and don't deny others before they have finished speaking. After all, you are not a professional yourself, and The people below you are professionals, and it’s good to listen to other people’s opinions. I'm not just talking about me, I include everyone. "Liu Yan reminded Fang Zhiqiang that she was the only one in the company who dared to speak to Fang Zhiqiang like this, and no one else dared.

"Yes, I also realized my mistake. Must change. Fang Zhiqiang said sincerely, then took out the application form on the table, signed it, then took out the paper, started writing, then signed, stamped it, handed it to Liu Yan, and said: "I will go ahead and buy the car immediately. I have also signed the order for the one million yuan. You can transfer it to my personal card for me, and I will return it to Wang Xia. Regarding moving business funds over there, you can make a detailed calculation plan for me, and we will form a mechanism. I went to call the people from the marketing department and they came while we were working hard. ”