Liu Wenwei |Graduate student of the College of Humanities and Development, Northwest A&F University
Paying on credit to agricultural supply stores in towns and villages is a common practice. In the township society, doing business depends on favors and relationships. One is because you are all acquaintances, and you are not good at taking credit, and the other is that if you don't take credit, someone will naturally take credit, and the business will run away. There are 800 people in a town who do the same kind of business, and they are secretly competing with each other. But generally speaking, everyone is safe, and each family sweeps the snow in front of the door, and each takes care of its own affairs. Of course, there are also people who make money and deliberately stumble, such as some will deliberately lose their own profits and pull down the ** to steal other people's businesses, and some will ruin the reputation of other stores through more bad means. In this fiercely competitive township market, agricultural material store owners not only have to deal with open and secret battles among their peers, but also have to face the problem of credit from farmers. Although credit can boost sales and expand market share to a certain extent, excessive credit also brings many hidden dangers. First of all, the act of credit leads to difficulties in the capital turnover of agricultural material stores. Due to the limited economic conditions of township residents, many people will choose credit when buying agricultural products, which makes the owners of agricultural stores need to bear greater financial pressure. Once the customer is unable to repay the loan on time, the agricultural supply store will face serious financial risks. Secondly, credit is easy to cause disputes. Sometimes, after customers buy agricultural products on credit, they may have disputes with agricultural materials stores because of product quality, usage methods and other issues. The lack of clear contractual constraints on credit sales puts agricultural material stores at a disadvantage when dealing with such disputes. In addition, the act of taking credit can also lead to market chaos. In order to seize market share, some agricultural stores pay a large amount of credit regardless of risks, resulting in vicious competition in the market. This phenomenon not only harms the interests of other formal business operators, but also impacts the credit system of the entire township market.
According to the author's research and interview, the general agricultural store turnover is 2 million to 4 million, only on credit there are 300,000-1 million, and the principal needs 700,000-1 million, it can be seen that the amount of credit for township agricultural materials has become very large, and even has been the same as the principal, but where the credit is not returned, may face the embarrassment of not being able to return to the principal. However, for the general agricultural material store, credit is a risk they have to take, so the debt collection has become a headache that the owner of the agricultural material store has to face at the end of the year. First, we must not hurt the feelings of regular customers, and we must grasp the bottom line of bargaining; The second is not to be too easy to be manipulated and bullied, not too weak, to show the ruthless side appropriately, so that you can be at ease. Of course, this method generally does not work when encountering scoundrels. The most paradoxical thing is that farmers who do not repay their debts on credit are often not unable to repay because of economic difficulties, but are subjectively unwilling to repay. This phenomenon further complicates the issue of open account, and merchants need to find a balance between the risk of open account and the problem of malicious default. In the context of fierce competition in the township agricultural materials market, businesses need to find the best strategy in maintaining customer relationships, standardizing credit behavior, and ensuring the safety of funds, so as to ensure their foothold in the market. Boss Li of the citrus cooperative was collecting debts at the Shangren's farmer's house, and it was said that he had been in debt for two years, about 5,000 yuan, but as soon as he entered the door, he took an axe and shouted: "If you ask me for a debt, I will hack you to death!" I'll kill you debtors! Xiaoma, the owner of the agricultural material store, said: "I used to ride a bicycle to the farmer's house to ask for a bill, but they released a dog with a black conscience and bit me!" Damn it! Xiao Ao, the owner of the agricultural material store, said that when he went to the farmer's house to ask for the account, he met the farmer cooking on the fire, and in order to get the account, Xiao Ao could only help the farmer cook together on the fire, and finally worked hard to get a few hundred yuan. In addition, there are many strange ways to collect debts, such as riding the farmer's motorcycle back and putting it in the store, waiting for the farmer to take the money to redeem the car; If they don't repay the debt, the boss will directly unload the door and throw it away at the farmer's house. Of course, those farmers who pay on credit are not easy to mess with, some of them just beg for nothing and refuse to pay, and some just ask the boss if they can use fruits and poultry to offset the money. Xiao Zhang, the owner of the agricultural materials store: "The agricultural materials business is not good, the village Xiao Wang has 7,000 credits, it has been five years, and this year I went to his house to ask for debts, and the momentum is fiercer than me." "Xiao Wang is a farmer in the village, his daughter-in-law is working in the city, it is said that she is doing an unserious livelihood, and Xiao Wang himself has raised a junior at home, and the two of them are not serious people. I asked, why do they keep selling to him on credit? Xiao Zhang replied: "If you don't sell him, he will speak ill of me everywhere and ruin my reputation." Who would know that he won't pay back the money for five years, and he will have to get this account back this year, and he won't sell it to him in the future. I asked, "Can't you just leave it on credit?" Xiao Zhang, an agricultural material store, said: "Doing business with farmers is troublesome, you have to manage not only trading, but also understand the sophistication of human feelings, understand the logic of farmers' trading, these things to you young people are ironclad to do not do well, you only talk about the rules, no credit can not do a good business." "Along the way, I followed Xiao Zhang to find this little Wang to ask for the account, and I was ready to start observing. Before leaving, Xiao Zhang prepared three plans, the first of which was the emotional card. Good words persuade each other, no one should be unlucky and unhappy during the New Year, and everyone will spend the New Year with peace of mind. If talking can't solve the problem, then the next step is to bring ruthless people forward, there are many people and great strength, find two young and strong young men to go directly to that station, take the guys, not real but imposing enough. If that doesn't work, then in the end it's just a matter of rolling around and letting the old man go to the ground, and play tricks more than anyone else. In fact, it is better at cheating than anyone else. I followed Zhang to the door of the farmer's pony's house, and stumbled us at the beginning. As soon as people saw that the account was coming, they didn't give a good face, they looked very angry and angry, and they kept scolding. Pony: "Why did you come to my house?" You're making me lose face. "As he spoke, he pushed us back and forth, don't lose face here. However, this time Xiao Zhang was indeed much more ruthless than the last time, and said directly: "If you don't settle this account today, I will rely on you for the New Year, let's have a New Year's dinner together, let your sons and girls know about it, you say it's good?" Saying that, the two young and strong young men also echoed: "I've explained the words to you here, don't blame us for losing face if you don't give it." Unexpectedly, the other party was not afraid of us, and kept shouting: "If you have the ability, you will fight, I just don't have money today, what can you do with me?" At this moment, the grandmother who was traveling with her spoke directly: "If you don't pay back your money for so many years, then I'll sit up in your house, if you don't pay it back today, I will sit tomorrow, if you don't pay it back for a long time, I will live in your house!" I'm telling you, I have high blood pressure, heart disease, and if you make an accident with me, I'll die with you! I'm going to hold you accountable! After speaking, he made a weak appearance and showed it to Xiao Wang. Xiao Wang seemed very impatient at this time, but he was obviously not as arrogant as he was at the beginning, and finally under the pressure of our group, he had to settle the account. Xiao Wang said that there are many farmers like this who do not repay their debts on credit, and their children are obviously working outside the home, and they have a lot of money, but they just rely on it and do not pay it back, because we do not owe money and do not charge interest from the bank, so they owe it with peace of mind. At present, Xiao Wang's credit account still has more than 40,000 yuan to come back, the New Year is approaching, Xiao Wang said that after the New Year, he will go to a house to urge him to return it on his mobile phone, ** can only go to "splash and roll" after the New Year. Paying off debts is a matter of course! I hope everyone's accounts can be returned, and we can have a safe year! 2024.2.7