当前,施工企业遇到的问题之一:“没有任务愁任务,有了任务愁设思。”原有的设备老化了、报废了,而新设备又无钱购买。为了解决购设备的资金问题,在“上级不拔、甲方不给、银行不贷”的情况下,只得想办法在职工中集资。“集资购设备”,职工自救,为企业分忧,确实解决了某些项目急需设备的问题。但也引出一些问题值得我们思考: 一、还本付息问题。向职工集资,期限不能长、利率不能低,否则职工不愿意。不少单位一般将集资的期限定为1—3年,利率略高于同期银行存款的利率。但是,我们要看到,设备的使用期一般10—15年,在可能的情况下,采取加速折旧的办法,投资回报期也要5—10年。三年还本,用什么来还?只能是拆东墙补西墙,将使流动资金紧张的程度进一步加剧。要付给职工较高的利息,如果工程项目效益较好,利润率高于利息率则好办;如果利润率低或发生亏损,集资的利息从哪里来?本来,“集资买设备”是为了企业的 At present, one of the problems encountered by construction companies is that “there is no task to worry about and no task to worry about.” The original equipment is old and wasted, and the new equipment has no money to buy it. In order to solve the financing problem of purchasing equipment, under the circumstance of “superior not pulling, Party A not giving, and bank not lending”, they only had to find ways to raise funds among their staff. “Raising money to buy equipment”, self-help workers, share the worry for the enterprise, did solve some projects in urgent need of equipment. But it also leads to some questions worth thinking about: First, the debt service issues. To raise funds for employees, the deadline can not be long, the interest rate can not be low, or unwilling workers. Many units generally set the term of fundraising as 1-3 years at a slightly higher interest rate than bank deposits over the same period. However, we should note that the service life of equipment is generally 10-15 years. Where possible, accelerated depreciation should be adopted with a payback period of 5-10 years. Three years of repayment, what should be used? Only the East wall to make up the Western Wall, will further aggravate the extent of liquidity constraints. To pay employees higher interest rates, if the project benefits better, the profit margin is higher than the interest rate is easy to handle; if the profit margin is low or loss occurs, where the interest of the fund-raising? Originally, the “fund-raising equipment” is to Enterprises