How Many Risks Are There In Starting An Undertaking?

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First, insurance is essential.

Many individual businesses are very ignorant of insurance, but buying insurance is a small investment guarantee.

I have two insurance policies here, one is employee personal insurance (work-related injury insurance, accident injury insurance, hospitalization insurance), and the other is property insurance (theft insurance) two.

Many small businesses do not buy work-related injuries or accidental injuries for employees, although there are provisions in the labor laws, not to mention medical insurance.

But as a business owner, as long as the fact labor relationship is established, employees have accidents (work-related injuries, serious illness, robbery and death).

I used to run a red brick factory, and a casual worker accidentally rolled into the feed port, which led to the bankruptcy of our brick factory.

A friend of mine ran a shop. The little girl who was guarding the shop in the evening was raped and killed by the people. Although the case was broken, it was my friend who compensated it, and the shop closed.

Therefore, we must buy the personal insurance for employees, which is responsible for the company and the staff, and the cost is not high. A few hundred yuan per person per year. Besides the social security of the country, there are still many commercial risks to choose from.

As for property insurance, we must buy goods that are of great value. We all know the public security environment in China. This is also a hundred yuan premiums that can guarantee hundreds of thousands of property a year, and it is also necessary.

There are nearly 100 chain stores in my business, and the annual theft and robbery (naked robbery in the daytime) is worth nearly one million, and no insurance compensation is unthinkable.

In addition, people read newspaper social news every day.

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Two, security facilities are also needed.

Although insurance is guaranteed for the company's property, insurance is not 100% compensation, and the insurance is long and the insurance premium is also increased. (the insurance company is not a fool, she has actuarial procedures).

So for some small businesses warehouse or shops, security facilities are also necessary.

One of the more effective ways is to reinforce doors and windows (this method is a pity, but I don't know clearly here, we must match the drawings), but if we keep people on duty, we must pay attention to the reservation of safety windows.

The two is to install cameras in concealment, but this method still can not solve pre event prevention. It can only help afterward tracking, but it is better than nothing. Now, some security companies on the market are not offering a high price for closed circuit monitoring system, a set of about four thousand or five thousand yuan.

There is another kind of alarm, which is cheap. There are household buzzer installed on doors and windows. The doors and windows will ring at ten yuan or so. The expensive magnetic contacts or infrared alarms that connect the alarm telephone will have some effect on the inexperienced criminals, and the price will be between two thousand or three thousand yuan.

But personally, it is considered that the security facilities such as alarm devices have little effect on the recidivist and even the criminals who are trying to catch up with them.

Some businesses in our business have installed thousands of Yuan alarms, but on the second day they found empty shops.

Three, we must have a sense of preventing business fraud.

China is a society with a lack of credit system. In society, big swindlers, small swindlers, and deception are also changing rapidly.

For newly established small companies, business development has always been difficult, so it is easy to lose vigilance before some order fraud, resulting in losses.

Here are four main points to remind you.

First, new customers try to cash pactions (pay attention to preventing counterfeit banknotes).

Two, for a promissory note or a cash cheque paction, it must be verified by the bank, and you should also master certain identification techniques, such as the clear seal and the company's full name.

Cash checks need to be noticed after the account is shipped, because opening a checking account is too easy at present. Some fraudsters will rush into the account when you inquire the bank, and then turn around quickly before you enter the account.

For a promissory note (usually a draft), the bank draft is higher than the commercial draft, but the endorsement must be clear.

Three, for sudden large orders or business opportunities, we must be highly vigilant, often may be the trap of fraud.

Moreover, such orders are usually accompanied by temporary credit or prepayment of half payment.

For such fraud, we must cash in cash, and pay special attention to the trend of goods at all times when the goods are not recovered. Do not fail to confirm that the goods will be delivered to the designated warehouses at will.

I worked in the enterprise, once a salesperson has happened this kind of thing, the clerk received orders, cash spot pactions, salesmen personally escort delivery, to the designated location of the customer unloading, and then with the client (cheater) to the bank to withdraw money, the result of the cheat, while the salesman did not pay attention to slipping, and the salesman rushed back to the unloading point found that the goods had already been pferred, and the warehouse is also temporarily rent.

Four, contract fraud.

This type of fraud I experienced this year, the other side signed a credit sale contract with you, and provided a copy of the business license (the industry and Commerce Department is not checking the identity, not even the registered address is not verified), the bank account number, the legal person id card are readily available, and at the beginning you are trading with cash. When you think that his credit is good, you can relax the credit to give him a lot of valuable goods.

Here, for the verification of the proof of the economic contract, the registration certificate of the tax (country) is more reliable than the business license, and the reliability of the general taxpayer qualification certificate is greater than that of the tax (country) registration certificate.

As for what I call fraud prevention, do not think business procedures are cumbersome and affect business.

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Four, capital safety precaution

As the saying goes, "no doubt, no doubt."

But the reality is so cruel, often you trust people will betray you.

There are two main points to be emphasized. One is to prevent employees from stealing business, and the other two is to prevent business personnel from embezzling money.

For the management of enterprises, we should minimize the chance of direct contact with cash or posts. In the face of money, many people can not resist the temptation. To your employees, you have given him too much money and opportunity to contact him, in fact, he is tempting him to commit a crime.

I used to talk to the financial officers of the company and think that the 50 thousand is a critical point of crime. Now it should be 100 thousand yuan.

In order to prevent employees from having financial problems, we should first do some work from the source, that is, the examination of employees' moral quality and the understanding of their past working backgrounds, and then the best financial guarantee for those who handle money. Economic security is not effective from the labor law.

Next is to talk about how to prevent employees from stealing business funds. This can learn the bus coin boxes often used by people, and fix the cash box (the refitted safes) in the business place. The payers can only invest in cash, and take the time to be responsible for the occurrence of the gold.

The other is to prevent business people from embezzling money. Many of the company's salesmen are involved in business development and collection, which gives business personnel the opportunity to take advantage of it.

Our business has happened when a salesperson receives a loan from a customer and the company thinks the customer still has no payment.

For this kind of thing, it is necessary to control the financial supervision system. A good way is to reconcile accounts regularly, which is directly reconciled with the customers' finances.

Finally, I would like to talk about the safety of access to banks in large amounts of cash (business or money). (before the bank went to the corporate cashier's office to collect money, the bank was canceled after the cattle were raised). If this is known to the bad elements of the law, it is also very risky.

As for prevention, my experience is that the car should be sent to the taxi, the lowest taxi must be taken, and the system and habit should be formed.

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Five. Several precautions against site selection

The article went to sea for the location of shops, but most of them talked about the choice of business circles.

I also add two points here, from the perspective of safety.

First, fire prevention. From the perspective of fire risk prevention, we must pay attention to the housing structure, the connection with the temporary shop, whether there is a fire passage, and whether there are necessary fire facilities.

When leasing shops, you need to consider whether there are fire approvals in shops. Otherwise, you will be extremely difficult to handle registration certificates.

The two is flood prevention. This should also be noted in rainy areas or rainy seasons. Most of the goods need to be dampproof and moistureproof. And the flood is also related to the safety of electricity. Therefore, it is necessary to pay attention to whether the location of shops is in low-lying areas and whether they are facing river embankments behind them.

One day last June, at 3 in the middle of the night, a chain store of our company called me, saying that the water behind the shop was missing, and the entire shop was flooded. Fortunately, when the water potential swept across the gate, the people on duty were able to come out. The incident was dispatched by the armed police to rush ahead, and then flooded a village.

Six. Dealing with potential rules.

Although China is a society under the rule of law, there are still some hidden rules to be known in doing business. Thanks to Mr. Wu Si for inventing the word "hidden rules", it is more appropriate to use it to describe certain things.

The hidden rules I want to talk about are two, "black power" and "industrial and commercial tax regulations".

The "black power" is undeniable that "black forces" still exist. Small businesses start businesses, especially retail businesses. Sometimes, the "protection fee" determines the business life and death. Therefore, small businesses should be able to cope with this problem. As long as they are not too far away, they will do more than one thing.

"Industrial and commercial tax regulations" or "red forces" can be called "red power". China has a vulgar saying, "there are policies on the top." it is true that China's policy system is very good, but many good entrepreneurial policies have become a tool for some government departments to make money.

Let's talk about taxation. Many small businesses or industrial and commercial individuals practise a fixed tax. According to your turnover, this quota tax can be large and small. All of them are decided by the tax collector of the district. If you can give some benefits to the tax collector of the District, your quota tax will be much less. It is absolutely worthwhile. If you are more serious with the policy, I am sorry, I am sure that I will suffer a loss.

As for the slightly larger enterprises, there are articles to do. What tax exemption periods and exemption points are all controlled by the tax bureau? This is a rule that we all know. It is also a duty system to call the Chinese tax collection. Many tax bureaus are guarding the big tax source, and they are also planning to keep their eyes open.

This is China, too many hidden rules. You must know how to start a business.

A few years of work experience, many things have formed my character of "not acting at all."

"Not to be surprised" is the last advice I gave to small business entrepreneurs, causing the occurrence of a crisis. "Flurried regret" is of no help at all. Mistakes can only be made in the rush of work. What you need to do is to deal with accidents in an orderly way and to tide over the crisis as soon as possible.