周德文：谁来拯制造业.docVIP

周德文：谁来拯救制造业？？ “外面明明是春天，但我的心却是寒冬？”樱木花道这句经典台词简直就是中国制造业如今真实的写照。从去年冬天开始，中国大陆沿海地区以及江苏等地先后出现代工厂倒闭潮，如今冬去春来，中国制造业不但没有迎来春天，形式却更加严峻。 传统经济模式日益失灵，中国经济发展和产业变革的主动力将在哪里？日前，由深圳博商同学会主办的博商会五周年庆典活动“民营企业的道路与梦想”在深圳西丽大学城体育馆举办，央视著名主持人撒贝宁、著名财经作家吴晓波也前来助阵。 据悉，论坛还举行了“中国粤商新锐100研究计划”授牌仪式和清华博商民营企业研究中心成立仪式。南都记者在现场看到，如何预见“2015年产业之变”，成为各路企业家的最希望解密的核心话题。有业内人士提出隐忧：2013年、2014年浙江、广东两地中小制造业企业倒闭的情况，在未来三五年内还会发生，2015年很可能是大型企业的危机年。 据国内媒体报道，春节前夕，日本知名钟表企业西铁城在华生产基地宣布清算解散，千余名员工被解除劳动合同；几乎同时，微软计划关停诺基亚东莞工厂和北京工厂，裁员幅度达到9000人。另外，其他一些知名外资企业，如松下、夏普、TDK等均计划进一步推进制造基地回迁本土之计划，而三星、富士康、耐克等国际知名企业也受大陆成本压力纷纷向东南亚地区设立工厂。 to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect credit assets, effective identification of risks. Eighth investigators should be based on the Banks credit policy screening, filter in line with the Banks credit scope of customer, credit business, shall not entertain our prohibition of involvement of clients and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Article tenth credit pre-loan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provided for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in cases that are not involved in the investigation, pre-loan investigation a mere formality. 11th pre-loan investigation should be two participants, one person, another person aided person, except on business with special provisions. Main and auxiliary officers shall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the responsibility of credit business. Risk managers participate in the pre-loan investigation work in parallel, as a double investigation, risk managers held accoun