Back to 2010 as a scholar

"Dad, I think you have to resign in the next two years, preferably this year." Song Gangyi said.

Father, like son.

Song Dezhu has been working in the company for more than 20 years and has formed his comfort zone. Although he failed to get into the management team, he still lives relatively freely in the company with his skills and qualifications.

Dai Zhen has been pushing him to leave the job, the main reason is that he is joking, showing off that it is difficult for him to do it now, and the other part of the reason is that he really wants to spend more time with her husband.

Of course, part of the reason is the 10,000+ severance pay that Song Dezhu can get after leaving the job. If you add in the sale of the house in Sucheng Town and the money that Song Dezhu put in the company to eat the rate of return, then the total is about 70. It is not far from buying the next house in Xining City.

Although she has lived with Song Dezhu for decades, she is not clear about Dad Song's mining company and cannot give any professional advice.

Song Gangyi could hear several key words from his father's words.

Market downturn.In recent years, as the requirements for environmental protection have become higher and higher, all kinds of iron fists have been hit on this kind of industry with relatively high environmental pollution and low production level.

Money is tight.The company that Song's father works for has started to borrow money from employees to run the business. The main purpose is to help employees manage their finances. The annual report rate is also very high, more than a dozen points, but this also shows that the company's capital flow has begun to have problems.In his previous life, Song Gangyi had also heard that some large companies would give their employees similar financial benefits, but there were many thunderstorms among them. What's more, the company that Song's father worked for was only a medium-sized company, and the risk was very high.

The number of personnel only decreases but not increases.If a company wants to grow bigger, it must constantly need fresh blood. Although there is a market downturn and the company no longer continues to recruit people, if the number of employees only decreases but does not increase, it will bring more and more pressure to the remaining employees, which will eventually lead to The company is in a position of peril.

Song Gangyi explained to Song Dezhu based on his preliminary analysis points, intending to explain that the company Song Dezhu is currently in is no longer viable and he should get out as soon as possible.

"What are you talking about? How could the situation be as bad as you said? If the company really doesn't have enough funds, why does it still provide us with such a high annual return rate of wealth management products? Shouldn't it be lower?" Song Dezhu was excited He said that he felt that his son was digging his roots. If he lost his job, would he go drink the northwest wind?

"Father, you are looking for interest, and they are looking for your principal. Think about it, this little money can be doubled in five or six years at this interest rate. Where did you get so much money for you?" Song Gangyi With a wry smile.

During the time when Internet finance was booming in the previous life, various wealth management software offered astonishing annual return rates, luring all kinds of middle-aged and elderly people to spend all their savings on purchases.

At that time, the highest annual rate of return was only 7-10 points. Even so, in the end, one by one, tens of billions of funds were swept away, and how many investors were ruined behind it?

"This year's interest has just been issued, so there's nothing wrong with it? After it's issued this year, I see that there are still many people who are planning to invest more money. They are all planning to mobilize the seven aunts and eight aunts to borrow money to buy the company's financial management. I heard that someone raised several million by themselves alone." Song Dezhu said in disbelief.

"It's normal to post it now, to give you a little sweetness first, and then attract more people to come in. But if one day the company has no money to pay your interest, what should you do?" Song Gangyi hypothesized.

"No way, how could the company come up with such an operation? Wouldn't all the employees be turned upside down? Impossible." Song Dezhu felt that it would be something at the end of the world after a little thought.

"If the company goes bankrupt, how could your boss care about whether to send you money? Your company's financial management is purely to cheat you of money. I just calculated it, based on 15 points a year, five years. Can directly double the principal, and quadruple the principal in 5 years, is it possible for your company to do it in the current economy and market?" Song Gangyi said.

"That's right, Dezhu. It's a problem to hear Xiaoyi say that. You can double your principal in 5 years without any risk. I have never seen such a good business in decades of life. How can this be?" Is it possible?" Master Song, who had been listening for a while, also agreed.

"It may be that the company is a little tight on funds right now, so it raises a little money from the employees, and it will be fine after this difficult time. When the company has money, this opportunity will be cancelled. This kind of money-making If the opportunity is missed, it will be gone.” Song Dezhu was still making excuses for the company.

"Has anyone ever heard of a company that borrows employees' money to distribute money to employees? To be honest, your boss has been running this company for decades and has already made tens of millions. If he has any idea about your company's future market With confidence, he can afford this amount of money, right?"

"Now let your employees tighten their belts and borrow employees' money to run the company. The company will naturally continue to maintain it if it makes money. What if the company can't make money? Then you have such a high interest rate, and the employees' money How should the cost be paid?" Song Gangyi said the most important part.

"Your boss doesn't pay out the money himself, so you borrow money from your employees to run the business? Dezhu, this is not okay. You should listen to Xiaoyi's words. If this is the case, the company can't stay." After Song Nai finished listening Also support Sun Zidao.

"This... ah..." Song Dezhu was speechless for a while, and now he can't explain why the boss doesn't use money to maintain the company's operation but borrows money from the employees. There was a mess in his brain hole.

"Then if the company really can't afford the money one day, will the interest be lost?" Dai Zhen is still concerned about the high interest rate of this product.

"Let's not talk about interest on that day. There will be no principal, no severance pay, and it will not be easy to pay a basic salary." Song Gangyi said, and this is basically what Dad Song experienced in his previous life.

"Ah? That can't be done. Apart from getting back the principal, there is also severance pay after resignation, which adds up to 30." Dai Zhen said excitedly, "If that day really comes to the company, won't it be a big mess? ? Dezhu, while your company can barely maintain it, you should leave immediately after the Chinese New Year, and then I will support the family. Don’t let the hundreds of thousands be lost, you won’t be able to afford to lose by then.”

"Do I really have to leave my job? Then what will I do without my job?" Song Dezhu murmured.

Hearing his parents, wife, and son say this, Song Dezhu also became uneasy, but the word resignation is easy to say, and things after resignation will be a lot of trouble.