当经营比往年都难，是时候重温稻盛和夫的"过冬"智慧了。 文：中外管理传媒 庄文静 责任编辑：胸怀天下 管理解读：曹寓刚（上海稻盛利他阿米巴策划咨询有限公司创始人、实效阿米巴开创者、原稻盛和夫同声翻译） 数年前，一句"这是过去10年最差的一年，却是今后10年最好的一年"广为流传，时至今日，这句话依然折射出许多行业人士对经济走势的深切感知。 当前，中国企业正经历一场日益严峻的"压力测试"，内外挑战交织，增长逻辑生变，如何在不确定中寻找确定性，成为所有经营者必须直面的课题。 在此背景下，焦虑与迷茫笼罩着许多企业家：当外部环境充满挑战，增长之路究竟在何方？此时，日本"经营之圣"稻盛和夫的经营哲学再次进入人们的视 野。他的思想体系曾帮助京瓷、KDDI等企业穿越多次经济危机，其拯救日航的经典案例，更是展现了经营哲学在极端困境下的现实力量。 那么，在经济下行期，企业如何借助稻盛哲学，安然过冬，甚至实现逆势成长？ 萧条正是企业发展的良机 中外管理传媒：当前，许多行业和企业都感到经营异常艰难，甚至今年比去年、前几年压力更大。在您接触的企业中，大家感受最具体的经营压力有哪 些？ 曹寓刚：从宏观环境看，不少行业确实面临困难。但在盛 ...

Core Viewpoint - Recent self-regulatory agreements from various banking and insurance associations aim to combat "involution" in the industry, focusing on prohibiting loan rebates and enhancing the qualifications of marketing personnel [1][2][10]. Group 1: Self-Regulatory Agreements - Multiple banking associations have issued self-regulatory agreements emphasizing the prohibition of loan rebates for housing and car loans, marking a new phase in the industry's "anti-involution" campaign [2][5]. - The Guangdong Banking Association plans to implement a comprehensive system to address "involution" competition, including a negative list and self-regulatory measures [2][3]. - The Ningxia Banking Association has recognized the negative impact of personal housing loan rebates on the health of the banking sector and the real estate market, prompting the need for effective regulation [3][4]. Group 2: Impact on Banking Practices - The implementation of self-regulatory agreements is expected to halt any form of rebate practices, contributing to a healthier competitive environment [4][5]. - The banking sector has seen a narrowing decline in net interest margins, with fees and commissions from banking and insurance businesses reduced by 5% compared to the same period in 2024 [2][5]. Group 3: Regulatory Actions and Compliance - Regulatory bodies are intensifying efforts to combat "full-staff marketing" violations, with recent penalties imposed on banks for assigning deposit assessment targets to non-marketing departments [6][7]. - The Financial Regulatory Authority has mandated that financial institutions strengthen the management of sales personnel qualifications, effective from February 1, 2026 [7][9]. Group 4: Insurance Industry Developments - The insurance sector is also advancing its "anti-involution" efforts, with associations in various regions promoting self-regulatory agreements to prevent malicious price competition and false advertising [10][11]. - The recent adjustments in the insurance industry, including a reduction in the preset interest rate for life insurance products to 1.99%, aim to regulate pricing and mitigate financial risks [11].

Core Viewpoint - The article discusses the decline of the wedding photography company, Bojue Travel Photography, highlighting its operational struggles, customer complaints, and the broader industry challenges due to decreasing marriage rates and economic downturns [4][5][16]. Group 1: Company Overview - Bojue Travel Photography, headquartered in Xiamen, has faced numerous complaints regarding store closures and unresponsive customer service [4]. - The company has historically been a leader in the wedding photography sector, with over 100 travel photography bases globally and significant marketing efforts, including sponsorships and celebrity endorsements [8][20]. - At its peak, Bojue's annual revenue approached 1 billion yuan, with an average of 100,000 wedding photography orders per year [20]. Group 2: Current Challenges - The company is currently scaling back its travel photography business, closing unprofitable stores, and undergoing organizational restructuring due to ongoing financial losses [9][16]. - Complaints from customers include difficulties in obtaining refunds and completed photography services, with many reporting that the company has become unresponsive [10][9]. - Employees are also facing significant delays in salary payments, with reports of wages being overdue for up to five months [15][12]. Group 3: Industry Context - The wedding photography industry is experiencing a downturn, exacerbated by a decline in marriage rates, which fell from 13.5 million couples in 2013 to an estimated 6.1 million in 2024, marking a 40-year low [8]. - The shift in consumer behavior, with younger generations opting out of marriage, has negatively impacted related businesses, including wedding photography [8]. - The company's reliance on a prepayment model for services poses a risk of cash flow issues, especially in a challenging market environment [16][21]. Group 4: Financial Implications - Bojue Travel Photography reportedly has a debt of approximately 15 million yuan in unpaid salaries, with additional liabilities from customer deposits [19][20]. - The company’s current operational model, which includes a significant amount of pre-sold services, could lead to a total liability of up to 120 million yuan if the service delivery cycle extends to two years [21]. - The financial strain is compounded by negative publicity and operational challenges, making it difficult for the company to secure new investments or funding [18][16].

Core Viewpoint - The article discusses the decline of the wedding photography company, Bojue Travel Photography, highlighting its operational struggles, customer complaints, and the broader industry challenges due to decreasing marriage rates and economic downturns [3][5][14]. Group 1: Company Situation - Bojue Travel Photography has faced numerous complaints regarding store closures and unresponsive customer service, leading to speculation about the company's potential bankruptcy [3][6]. - The company has announced a reduction in its travel photography business and the closure of unprofitable stores, while also attempting to reassure customers about fulfilling their orders [6][9]. - Employees are reportedly facing significant delays in salary payments, with some wages overdue by five months, raising concerns about the company's financial health [12][13]. Group 2: Industry Context - The wedding photography industry is experiencing a downturn, with marriage registrations in China dropping from 13.469 million in 2013 to a projected 6.106 million in 2024, marking a 55.5% decline [5]. - Bojue Travel Photography previously thrived, achieving nearly 1 billion yuan in annual revenue at its peak, but is now struggling with a significant reduction in order volume, estimated at only 30,000 orders per year [18]. - The company's business model, which relies heavily on prepayments and repeat consumption, is particularly vulnerable to cash flow issues, especially in a declining market [14][19]. Group 3: Financial Implications - The company currently faces a debt of approximately 15 million yuan in unpaid salaries, with total liabilities potentially much higher when considering customer deposits [17][19]. - The average prepayment per order is estimated at 2,000 yuan, leading to potential unfulfilled contract liabilities of 60 million to 120 million yuan, depending on the fulfillment cycle [19]. - The financial strain is compounded by negative publicity and operational challenges, making it difficult for the company to secure new investments or funding [15][16].

Core Insights - Hohhot Airport has successfully signed its first full-staff marketing project, marking a significant step in the development of non-aviation business and injecting new vitality into revenue generation [1] Group 1: Policy Implementation - The airport has initiated a full-staff marketing strategy through the "Hohhot Airport Non-Aviation Business Full-Staff Marketing Reward Implementation Plan," emphasizing the concept that "everyone is a revenue-generating entity" [2] - This policy has generated strong internal response, motivating employees to engage actively in marketing efforts [2] Group 2: Resource Integration - The new policy has restructured collaboration among various departments, allowing employees to pool their resources, market information, and connections [3] - Previously isolated data sources are now integrated, facilitating the identification of potential cooperation opportunities [3] Group 3: Negotiation and Collaboration - Employees have begun negotiations with external partners, showcasing their professional skills and expertise [4] - The Security and Guard Department has conducted in-depth discussions with logistics companies to understand their branding needs and expectations for airport services [4] Group 4: Contract Signing - After multiple rounds of negotiations, a contract was signed, marking the official establishment of cooperation [5] - This contract not only signifies a legal agreement but also represents a significant achievement in non-aviation revenue growth for the airport [5] Group 5: Employee Incentives - To recognize outstanding employees in the marketing initiative, the airport has implemented a reward system, providing substantial financial incentives [6] - This initiative has fostered a competitive atmosphere among employees, encouraging greater participation in marketing activities [6] - The success of this approach illustrates the transformation of employees from mere executors to entrepreneurial contributors, unlocking significant growth potential for the organization [6]