It is understandable to borrow money for investment. Even in the case of financial risks, borrowing money for financing can help companies tide over short-term difficulties and obtain greater market returns. But the venture itself is very risky, and borrowing money to finance is even more risky. Once the company's development is difficult to overcome, the debt crisis will directly crush the company and the corporate legal person.
One of my fans privately believes that there is such an entrepreneur. He vomited himself. What he wanted to do was to start a business, but he unconsciously made a gamble. He has always wanted to borrow money to bet on his next success. As a result, he made a mistake. Looking for bank loans, bank loans are becoming more and more difficult to borrow, and the amount borrowed is very small; Ask a friend to borrow it, but the friend refuses to borrow it, for fear that he will not pay back the money and hurt his friend's mutual affection; Borrowing money from employees, employees were scared to resign overnight; Finally, we can only borrow from the private sector, and the more interest we borrow, the more expensive it is.
"I feel that I am dominated by fate." He said, "Every time it is important to open up the market, the company will spend money and I will borrow money, and then the debt crisis will come to me." At the beginning of the business, I was mainly busy with product, market and company organization planning. After he started to borrow money for financing, he was busy looking for banks, friends and third-party institutions. The busier the company is, the more debt it has.
"When the debt crisis came, I was completely cheated." After talking about myself for a long time, I finally talked about my current problems and where I want to ask for help. When the company had a serious debt crisis, he calculated with the financial department that the company owed creditors 134 people, with a debt of 5.72 million yuan. Among them, some clamored to sue him in court, and some went directly to the debt collection company to urge him, but no matter how the creditors looked for him, he couldn't pay back the money, because the company and all his funds and assets were used to pay off debts. Through the exchange of private letters with him, I think he needs help in three aspects: one is to avoid judicial risks, the other is to stabilize the mood of creditors and reach a settlement with them, and the third is to get a chance to make a comeback and ensure a high repayment ability. In other words, he needs to reach a cooperation with the creditor's rights and debt handling company to negotiate a solution to the debt crisis and realize these three goals one by one.
Now the formal creditor's rights and debts handling company belongs to the investment management enterprise. From the perspective of investment management, help debtors to restructure their debts, and actively contact creditors to promote their understanding of debtors, so that creditors can replace the creditor's rights that are difficult to pay in the short term with real estate, parking spaces and fine products. And then transfer the rights of all debtors to the hands of a third-party creditor-debtor company. Next, the creditor's rights and debt handling company reached further investment management cooperation with the debtor, and reached investment cooperation in a more professional and efficient way, which not only guaranteed the value of creditor's rights, but also gave the debtor suggestions and support for a comeback.
If you can understand and recognize the debt crisis resolution, debt restructuring, debt stripping, creditor's rights replacement and other processing modes, you may wish to take the initiative to consult for help when encountering a debt crisis. The debt crisis is not terrible. It's better to try more than to despair behind closed doors, isn't it?