“没资金,找银行”。这是我们许多经营者萦绕于怀的想法。没资金时找银行,的确没有什么错。因为银行的性质就是为企业提供贷款,就是为企业与储户服务。但是,当企业缺钱时,老是把眼睛盯住银行,您可就掉进了一口接近死亡的“信贷陷阱”。特别是在中国,如果你想使自己的企业成为百年企业,成为一个“日不落”企业,则必须从长远战略上考虑,一定要设法规避和超越这个陷阱。因为,从银行贷款,第一它会使企业在使用上不负责,这是由中国的国情决定的。在许多人看来,银行的钱是国家的钱,大家的钱,赔了无所谓!银行的不良资产太多,也未见谁因贷款而掉脑袋的。反之,欠银行款越多,银行与企业的关系越密 “No funds, find a bank.” This is the idea that many of our operators are haunting. When there is no money to find a bank, there is really nothing wrong. Because the bank’s nature is to provide loans for enterprises, it is for enterprises and savers. However, when companies are short of money, they always keep their eyes on the bank and you can fall into a “credit trap” that is close to death. Especially in China, if you want to make your own company a century-long enterprise and become a company that will never fail, you must consider long-term strategy and must avoid and exceed this trap. Because, from the bank loans, it will make the company responsible for its use, which is determined by China’s national conditions. In the eyes of many, the money of the bank is the money of the country. Everybody’s money is lost. The bank has too many bad assets, and no one has lost its head because of loans. Conversely, the more money owed to banks, the more closely the relationship between banks and companies