How did Hu Xueyan go bankrupt?

Today I read Hu Xueyan's inspiration to Ceng Shiqiang. Ceng Shiqiang is an expert in management science in China, so even if we talk about history, we can see management thinking everywhere. Unlike Yi Zhongtian and Wang Liqun, who talked about history, he always analyzed several possible approaches from both positive and negative aspects, compared their advantages and disadvantages, and then explained why what others did was reasonable. As he himself said, "It takes repeated simulations to learn history before you know which way is appropriate." The biggest feeling is that the road is simple. Seeing that Gou Jian, King of Yue, used Ji Ran's theory to govern the country, Fan Li said with great emotion: "There are seven strategies, and the state of Yue has achieved such satisfactory results only by using five of them. I intend to make a fortune with these strategies. " Therefore, it has made great achievements in business. As the saying goes, "There was pottery and Zhu in ancient times, but now there is Hu Xueyan." There is only a little truth in the world, and everyone knows it. The hard part is to do it. Hu did it and persisted. The other is to be flexible. In fact, "Shangsheng" is superior to ordinary people in that it is flexible and has proper limit. This article was mainly jotted down when I was reading it. It may not be coherent, including my own feelings.

Hu's life is legendary and hard. My family is poor, I haven't read any books, I have spared cattle, worked in miscellaneous grains and Jinhua ham, and later worked as a bank. He is the only red-topped businessman (first class). He was awarded a yellow jacket and his mother was made a royal wife. I don't want to go bankrupt in the next three years. Lived 62 years old.

Seeing how this man does things, it is not difficult to understand why he has that height. And everything is inseparable from the foundation he laid when he was a child. The so-called "heroes are not afraid of humble origins" and "three years old, seven years old" look at morality, not talent. Hu grew up in a simple mountain village and didn't think about or pay attention to miscellaneous things. Although it is a single-parent family, his mother doesn't complain, doesn't care, is helpful and doesn't ask for anything in return. She always repeats those simple and eternal truths in her son's ear. Family education determines a person's basic literacy; A person with a good moral foundation will have a solid life. Under such a seed, Hu has some advantages: diligence, frugality ("when not in use"), patience, credibility and ambition (compare with yourself, not with others). Even in business, we never "compete in the same industry" and think that how others operate is someone else's business. Although I lack a little game theory, I don't expect any return. If a person always has a good style of doing things, it must be attractive, so opportunities will continue to develop. Sure enough, when he was herding cattle in his first job, he once found a big bag of money and returned it to the original owner. He didn't want the reward from the original owner. The man happened to be the owner of a miscellaneous grains shop. He was very satisfied and was willing to accept Hu as a disciple. He asked his mother and went with his boss. In the grocery store, an ordinary guest has a high fever. He takes care of others. Later, I learned that it was the owner of Jinhua ham shop, and the boss dug him up again. In both cases, he first asked the boss for advice. Later, I found that the bank was very good, so I asked people what they wanted and what they wanted to practice, and they worked hard on basic skills. After a talent show, the owner of the money house suddenly brightened up and couldn't wait to find someone from his original employer. A truly generous boss will feel it is an honor to see his buddy have a better way out and readily agree.

No matter where he is, he does anything. He feels that what he has learned is his own, and he will not suffer if he does too much. How the boss treats me is the boss's business. The more you think like this, the more the boss will value him. From 13 to 20 years old, I was promoted all the time, bought breakfast for my boss every day and poured it into chamber pot. Never changed. Efforts are actually good for yourself, not for others. Everything and people should be thorough, and if there is a slight deficiency, the opportunity may be gone. Hu does it perfectly every time. To seize the opportunity, the best policy is to practice your skills first, and then let people know what you have. Including the pharmacy he later opened, the idea is the same: instead of advertising, we should make a plan to pay for it for three to five years with practical actions, first give the medicine to others for free, and then collect the money after everyone has a word of mouth.

He also has something to learn: he can make reasonable periodic adjustments at any time. When he was in the bank, he did posting, handled bad debts and ran through business. Anyway, he has done several jobs, and the requirements of these jobs are very different. He always gets into the role as soon as possible and tries his best.

In addition, it is not difficult to find that he is virtuous. He did this to his mother, to his friends and to run a drugstore. Be filial to your mother. Treating colleagues as friends will not only add a lot of fun to yourself, but also make people feel different when they get along. When you are rich, invite friends to dinner and help your peers if you have the ability. He said: "money is a tool for doing things, not an end in life." The best example is the pharmacy he opened-Hu Qingyutang still has it. As for the reasons for opening a pharmacy, there are different versions, but he opened it with the original intention of "benevolence". Someone told him that "opening a pharmacy is not like opening a pawnshop, not for making money, but for benevolence", and he agreed very much. These four words not only sound good, but also he did it. A man went crazy after winning the lottery (I don't know if his name is Fan Jinha ~), so his family took him to see a doctor. He asked if the doctor in their shop could be cured, and the doctor said yes, but the smelly medicine in the prescription is very toxic and may lead to death. We still have to go to court. Hu Yixin wanted to save people and said, "We must cure them", so he poured water for the doctors and watched them do so. There is also a saying handed down in this incident, called "the procurement service is true and the maintenance service is excellent". It is said that the medicinal materials purchased must be genuine and the purchase process must be refined. Later, the man was cured. As soon as Hu Qingyu Hall enters, it is a long corridor where patients can relax. When the patient goes in, he hears "Are you feeling better recently" instead of "What medicine do you want" and "Welcome", and then he will have a cup of hot tea at hand. The condition can be said slowly. The success or failure of commercial competition ultimately depends on the self-cultivation of the operators.

Hu is very interested in people and likes to understand people's psychology, so he has a way of speaking and doing things. It can be seen from many small things that it is an art, not just a technology. Hu Qingyutang is in full swing, and other pharmacies have been blindsided to reduce their prices. When the servant asked Hu if he wanted to reduce the price, he said no, and immediately put up a plaque that said, "It's really the same price", meaning that fidelity and quality will not have two prices. The words "the price is not true", in turn, imply something very obvious, which is really surprising. As a result, everyone still came to Hu Qingyutang to buy medicine-medicine is nothing more than anything else, or go elsewhere to save money! Another interesting thing is that some people look at Hu's generosity and try to cheat him of his money without asking for anything in return. The man took a fake one to Hu's pawnshop and lied that it was an antique of Shang Dynasty. The person in charge didn't see it, so he gave the man 320. Hu didn't blame him, but invited some celebrities around him to dinner, saying that he would show you a valuable Shang Dynasty antique, and he was accidentally reimbursed by the waiter when he went downstairs! So, the swindler really took the bait and came back with three hundred and twenty pieces of silver to ask for his fake antiques, and threatened to pay at least one thousand and twenty pieces if he couldn't get them out. Hu first checked the authenticity of the silver, then unhurriedly took out the "antiques" and said, "There are more fakes in my shop than in your house." Knowing that he had been cheated by BS, the man fled despondently. ...

There are still many places worth writing, such as Hu always thinks with his own brain and doesn't take the usual path. All banks have deposits and loans, but this boss is partial. He said that the loan risk is quite big, so it is better to open a pawnshop. At present, the poor want to do some small antique business, so pawnshops have a good market. "Banks are pawnbrokers for the rich and pawnbrokers are banks for the poor!"

As for the subsequent bankruptcy, it was really a shipwreck in the gutter. On his deathbed, his master told him to be diligent, thrifty and cautious. Relax, adversity is actually a good thing, because caution; Prosperity is sometimes not a good thing because of carelessness. Hu lied about interest when he borrowed money from foreign countries in an attempt to get money from the government. Hu Yixin only wants to make money for his career development, giving consideration to both public and private interests, but he doesn't pay attention to the idea of playing official money. This is the most dangerous thing ... This one accidentally planted a curse for the later prodigal family. After getting the opportunity, you must be more cautious, because the road ahead is more difficult.