Chapter 454 Credit Investigation System
"I am a big capitalist, but within my personal company, I do not operate according to a pure market economy model, but more of a mixed business model of planned economy and market economy.
As my boss, I feel that a certain market has prospects, so I will invest in the layout at will, which is why I continue to send task plans to the group company. If this layout fails, I quickly learn the lesson, and the loss is the biggest punishment for me. My business is also very simple, keep investing, continue to make money for projects that can make money, and let it stop losses for projects that have no future.
If you are wrong, you will lose money, and you must accept the punishment of loss, and this is the market economy.
In essence, the planned economy is an attempt to continuously study carefully and try to reduce the probability of losing money. If, within the economic system, all kinds of plans are fine, in the end, it may be very efficient. However, there are always unexpected accidents, and the punishment for making mistakes is not so painful, it is better to have money that is not his own, and it doesn't matter if he loses, in this case, it will seriously affect the overall efficiency. In theory, economic planning is good, but we can't track the subsequent progress of each plan and the series of feedback that comes from it. and the results of different programs.
Because, man is not God, not God, and cannot know everything. It is precisely for this reason that a market economy with a higher fault tolerance rate is needed. The market economy is very inefficient, but at least it is not the least efficient model, because of the introduction of competition, trial and error, and so on.
Dare to try and make mistakes, invest a hundred times, lose fifty times, this is actually nothing, as long as the other 50 times are earned, and the profit is more than the loss, it is a success!
Have the courage to admit mistakes, 100 investments, 50 losses, those projects that are losing, we have to reflect, some projects should be cut down, and some are saved, just try again......"
"If you look back at the Soviet model, it has changed from high efficiency at the beginning to low efficiency and superfluity now. In essence, it is because in the process of the development of the economic plan of the Soviet Union, there are more and more bugs and mistakes, but few people can clearly understand the problems in the economic system and how to correct those mistakes. If someone points out a mistake, then a bunch of people who don't do anything will say, you can do it, and after being criticized, it will not be corrected, so all the black pots will be put on one person's head, and it is precisely because of this that no one dares to find out the problem. For example, if a product is in oversupply and another product is in short supply, and the cost of a certain type of product is too high, the introduction of some technologies can be improved. These problems, in essence, do not require much IQ to be seen. However, since the Soviet system had become inefficient, no one was willing to make thankless corrections, and even if someone corrected the parts, it was difficult to change the overall inefficiency. If, the planned economy of the Soviet Union is the mainstay, and there is a huge system of market economic competition, and you can't change people, then the result of fierce competition will not be reduced to the extent that it is now. It can be said that the economy of the current Soviet Union has been practically paralyzed!"
"The good thing about our country is that from the beginning it was not purely the Soviet model, but a multi-ownership competition. After the reform and opening up, other ownership systems were further introduced, and competition and stimulation were stimulated by each other. In this multi-ownership competition and the gradual advancement of the market economic system, state-owned enterprises, private enterprises, foreign-funded enterprises, and joint ventures are all able to compete and learn from each other. Enterprises that learn and progress, whether state-run or other systems, will inevitably incubate a large number of outstanding and strong people. ”
"The market economy and the planned economy are not isolated. The two are not the goal, the purpose is better development, so that the people's living standards and economic standards can be higher and better, which is the truth. ”
“…… In order to develop GDP, local governments are rushing to attract investment, and I don't think we should be too anxious to avoid some unscrupulous businessmen who are drilling camps and are abducted and cheated. More importantly, it is necessary to establish a credit system for commercial companies. The government tries its best to deal with companies with good credit, we talk about each other's credit, the borrowed money must be repaid, and the contract must be executed in black and white. Everyone takes commitments and contracts seriously, so under such a good environment, business must be easy to do, and triangular debts and financial risks will be minimized. After the credit system is established, first of all, if someone comes to cheat, you ask him to show his credit, the credit is insufficient, and then the sky is falling, you can ignore him, don't say that he will invest 100 million, you will believe it. As a result, he only had a few hundred thousand yuan, and deceived the local government to give him land and equipment worth several millions, and even paid him wages in advance. Then, use this to defraud the bank of the loan, and the white wolf is empty!"
"Let me tell you, there are a lot of scammers in South Korea, Taiwan, and Hong Kong. Because there are many swindlers, it is necessary to establish a credit system, otherwise, doing business with swindlers will not only not develop the economy, but may worsen the economy! Therefore, to attract investment, we should also try our best to find the world's top large enterprises with names and surnames to come in, instead of being greedy for cheap, and find some enterprises that do not know whether they are reliable or unreliable......
Lin Qi's flamboyant speech attracted applause from many officials and students.
Of course, after the meeting, many officials said: "Mr. Lin, other big bosses, we don't know if it's true or not, why don't you invest!"
Feelings, these bigwigs, listening to Lin Qi's lectures is fake, in fact, the real purpose is to let Lin Qi invest.
In this regard, Lin Qi smiled and said: "I will first set up offices in Harbing, Changchun, and Dalian, and plan to set up a new start-up enterprise credit office in Dalian. Once the cooperation is completed, we will track the credit status of our partners for a long time, and we will give more orders and help to enterprises with good credit status. The credit is average, and if you don't meet the requirements, you may be sorry!"
This credit report was very surprising to the magistrate, but it also felt very new.
Originally, the world's banking system likes to engage in credit reporting. However, Lin Qi's company, which has developed to the point where it has now, has also begun to launch its own credit standards, but not for individuals, only for enterprises that have cooperated.
Every enterprise that has cooperated with the new entrepreneurship department has a credit file.
This file is a very valuable information, and through this credit evaluation track, you can better screen business partners.
It's just that in the past, this credit standard was only disclosed internally, not externally. But at the beginning of 88, Lin Qi decided to make the credit system of new start-ups public, and gradually relied on his own influence to form a pivotal credit system.
This is not just for partners to start consciously maintaining their credit and paying attention to fulfilling the contract. Moreover, it also forms a barrier to exclude dishonest companies from the scope of major partners.
The opening up of the credit system of the new entrepreneurship department to the outside world, in essence, is also the continuous development of information technology, which has a material foundation. For example, before 87, only a very small number of regions in China were connected to the Internet.
But now the state is cooperating with the Department of New Entrepreneurship and increasing investment in Internet infrastructure. Although it is not possible to spread the Internet to all cities, dozens of large cities in China have begun to provide Internet services.
The new entrepreneurial credit system is based on Internet data. Establish and set up servers in many cities in China to record the credit of enterprises included in the credit reporting system.
The new venture enterprise credit network, which is logged on to the Internet, can be queried anytime and anywhere.
At present, this credit system is free for ordinary enterprises, as long as you register as a member, you can have 20 free inquiries every year. If there are more than 20 queries, a query fee of 500 yuan will be charged each time.
For financial enterprises such as banks, insurance, securities, trusts, etc., this credit information system adopts the mechanism of inquiring about the size of the enterprise to collect fees. For each inquiry, a one-millionth fee is charged. For example, if an enterprise has a scale of 1 million yuan, you need to pay a commission of 1 yuan for one inquiry.
This inquiry system, although it does not represent the credit system of the central bank. However, in later years at home and abroad, the new business credit system was also regarded as one of the most authoritative systems. At the very least, more and more companies that do business in China will first check the credit scores of some partners in the new start-up credit system before deciding whether to cooperate.