金融危機在“蝴蝶效應”下迅速蔓延全球。從美國到中國，從華爾街到珠三角，從高科技到制造業，從白領到民工，都受到金融危機嚴重的影響。很多企業在關、停、閉、轉，很多白領被裁員，很多民工、礦工被迫返鄉、很多大學畢業生畢業意味著失業。壹個月後就是09年新年了，我看不到爆竹的幸福，煙花的浪漫，新年的期待。更多看到的是企業家、經理人、打工者恐慌、迷茫、無助的眼神。
塞翁失馬，鄢知福禍？該來的躲不掉，該去的留不住。世間任何事物的發展都是波浪式的，有波峰必然有波谷，有波谷必然有波峰。在百年不遇的經濟危機面前，很多的企業選擇收縮戰線，防守；很多的老百姓收緊錢袋子，壓縮開支。做企業只有進攻沒有防守，當妳準備防守時也就意味著妳開始倒退了。居家過日子，壹分錢掰成兩半花，再節省也是在花錢，唯有多掙錢才能改變生活質量。恐慌、迷茫、無助、躲避、防守、減少開支只會使妳的景況更糟糕。唯有進攻、奮進、抗爭，逆勢而動才是最好的選擇和應對。
不管是企業還是個人，首先要充分認識到這次危機的嚴重性和持久性。不要存在僥幸心理認為危機不會影響到妳。傾巢之下，豈有完卵？只是早與晚，輕與重的問題。危機的後期最難過，現在還沒開始，別覺得自己很強,
危機面前不死掉才有進攻的機會。做為企業家首先要考慮現金流的問題。讓企業最快倒閉的不是虧損，是現金流枯竭。現金流與企業大小、盈利、知名與非知名沒有關系。越是大企業、知名企業越是要關註現金流。太平盛世太久了，經濟高速發展時間太長了，太多的企業都把利潤變成了擴張後的固定資產。賬上根本沒有預備過冬的資金。所以遇見百年不遇的金融危機，倒下最快的往往是發展擴張最快的企業。沒有準備過冬的衣服，夏天即便妳身體很好，冬天妳照樣會凍死。美國的三大汽車巨頭就是是現金流枯竭而舉步危艱。
能活著就有機會。危機，危中有機。這種機會不是常有的。這是有充足資金的企業以最低成本，兼並、擴張的最佳機會。也是小企業趕超大企業最佳時機。太平盛世小企業在各種資源配置都不如大企業。想超越大企業等於癡人說夢。危機前面，很多大企業求穩定發展，裁員，收縮戰線。小企業要學會劍走偏鋒，主動出擊。賭可能死，也可能發展。等，死路壹條。
做為打工族，在危機期間，盡量不要辭職，不要換工作，不要轉行。大量的企業倒閉，裁員，大量的民工返鄉，明年還有近1000萬的大學畢業生等著找工作。能有壹份工作幹著就是很幸福的事情。辭職容易就業難。要珍惜目前的工作機會。對於不熟悉的領域誘惑再大也不要輕易轉行。同行不同理，同樣是銷售人員，銷方便面和銷汽車是不壹樣的。期望值越高，失望系數越大。當然如果妳的能力在行業具有不可替代性，這個時候反而是機會。企業在危機面前往往需要英雄。問問自己是不是英雄？
要努力工作，多創造價值。企業裁員往往先裁可有可無的崗位，對企業直接創造價值少的崗位；裁責任心不強，抱怨較多的員工，裁上班時間無工作幹的員工。看看自己的崗位是不是可有可無的？如果是，要及早尋找適合自己的職位，等被裁員了，再找工作就更難了。如果工作比較忙，也要加強責任心，減少抱怨，多給企業創造價值。任何時候企業都不喜歡團隊中有抱怨情緒的員工存在。妳的薪水高低，能否繼續留在企業工作，是妳的工作態度和創造的價值決定的，不是領導決定的。多存錢，少花錢。現在“月光族”比較多。在危機面前最先倒下的就是“月光族”。要問問自己，如果危機持續壹年，妳的積蓄夠不夠？如果危機持續三年，妳的積蓄夠不夠？從現在開始，能存的錢就存起來，或買國債或買雙幣存款。兜裏有錢心不慌。“靜以修身，儉以養德”，節約自古就是美德。到了此時，節儉理財之道也是種生活方式，處處體現在細節上。能少花的錢就少花，能在家裏做飯就不要在飯店吃飯。能買商場、超市的打折、特價產品就不要買常規價產品。能發短信就不要打電話。能步行就不坐公交，能坐公交就不要打的，能不開車就不開車。能坐火車就不坐飛機。能不買奢侈品就不買奢侈品。省錢並不是簡單地捂著錢包不花錢，而是讓錢花得更有效率，用最少的錢滿足我們最大的欲望。
多幫朋友留意工作機會，多幫經濟不好的朋友、親戚，鄰居，危機面前，越窮的人越不好過。幫別人就是幫自己。輪到自己有困難時，才會有朋友幫妳。
要有信心面對危機。中國政府不會放手不管，妳不是孤軍奮戰。每個人都有信心，經濟復蘇就會快壹些。
The financial crisis in the "butterfly effect" under the rapid spread of the world. From the United States to China, from Wall Street to the Pearl River Delta, from manufacturing to high technology, from the white-collar workers, are subject to severe financial crisis. Many enterprises in the customs, stop, close, to many white-collar workers laid off, a lot of migrant workers, miners were forced to return home, many university graduates means that the unemployed. A month later in 2009 is the Year, I do not see the well-being of firecrackers, fireworks and romantic, looking forward to the New Year. See more entrepreneurs, managers, workers fear, confused, helpless look.
Blessing in disguise, Yan Fu Huo know? The escape came, unable to retain the go. Nothing in the world are the development of the wave-like, there is bound to have peaks and troughs, there are bound to have peaks and troughs. Rare in the face of the economic crisis, many companies have chosen to shrink the front, the defensive; a lot of people tighten up the pocketbook and spending. Enterprises do not only offensive defense, when you prepare defense means that when you start back. Live at home, hand in half a cent to spend, to save money is in, only more money in order to change the quality of life. Fear, confusion and helplessness to escape, defense and reduce costs so that you will only make matters worse situation. Only offensive, Endeavor, protest, moving trend is the best choice and to deal with.
Be it business or personal, we must first fully understand the seriousness of the crisis and persistent. There are not trusting to luck that the crisis will not affect you. Qingchao, no eggs will survive? Only early and late, and light weight. The crisis in the latter part of the most difficult, yet now, do not feel that they are very strong,
Do not have to die before the crisis to attack. First of all, as entrepreneurs have to consider cash flow problems. To allow the closure of the fastest growing companies is not a loss, cash flow is drying up. Cash flow and the size of the enterprise, profit, non-well-known and well-known does not matter. The more large enterprises and the more well-known enterprises to pay attention to cash flow. Peace for too long, high-speed economic development in a long time, too much of their profits into the business after the expansion of fixed assets. Not on account of the funds to prepare for the winter. So rare to meet the financial crisis, the fall is often the fastest growth and expansion of the fastest-growing businesses. Not ready for the winter clothes, even if you have a nice summer, winter, you will still frozen to death. The three major U.S. auto giant is the cash flow is drying up and in serious danger together.
To have the opportunity to live. Crisis, the crisis in the organic. This opportunity is not often. This is sufficient funds at the lowest cost of business, merger, the best opportunity for expansion. Small business is the best time to catch up with large enterprises. Peace and prosperity in a variety of small businesses such as the allocation of resources are not large enterprises. Want to go beyond talking the same large enterprises. In front of the crisis, many large enterprises for the steady development of layoffs, shrinking front. Small business must learn how to Zoupian Jian Feng, to take the initiative. Gambling may be dead, may also develop. And so on, a dead end.
As a working group, during the crisis, so as not to resign, not-for-work, not to change jobs. A large number of business failures, layoffs, a large number of returning migrant workers, next year there are nearly 1,000 million university graduates find a job waiting. Be able to do a job that is a very well-being. To resign easy job difficult. Should cherish the current opportunity to work. For are not familiar with the area of greatest temptation not to change jobs easily. Peer different reasons, is the same sales, marketing and selling instant noodles is not the same car. The higher the expectations, the greater the disappointment factor. Of course, if you have the ability to trade irreplaceable, but this time is an opportunity. In the face of crisis often need a hero. To ask whether he is a hero?
To work hard to create more value. Companies often laid off before the Conference of non-essential positions, direct-to-business value-creating fewer jobs; Conference do not have a strong sense of responsibility, complained that more staff, the Conference working hours without doing the work of the staff. Take a look at our posts and is not an option? If so, as soon as possible to find their own jobs, and so on have been laid off, the more difficult to find work. If the work is a busy, but also to strengthen the sense of responsibility to reduce complained to create more value. When companies do not like any team has complained that the staff of the existence of emotions. Your high and low salaries, can remain in business, is your attitude toward work and decided to create value is not determined by the leadership. To save more and spend less. Now, "Moon family" more. In the first fall in front of the crisis is "Moonlight family." Have to ask ourselves if the crisis continued a year, you have enough savings? If the crisis continued for three years, you have enough savings? From now on, be able to keep up-to-deposit the money or buy government bonds or dual-currency deposits to buy. Heart fear is not pocket the money. "Self-cultivation in order to quiet, frugal and Germany to support", has always been to save the United States and Germany. By this time, frugal financial management is also a kind of way of life, always in the details. Less able to spend less money to spend, be able to cook at home do not eat at the hotel. Be able to buy stores, discount supermarket, the special price of conventional products that do not buy the product. Will not be able to send text messages on the phone. Zuo Gongjiao can not walk, can not fight Zuogong Jiao, do not drive can not drive. Will not be able to train on a flight. Can not buy luxury goods do not buy luxury goods. Is not simply to save money clutching his wallet at no cost, but let money more efficiently, with the least money to meet our greatest desire.
To help a friend pay attention to more jobs, more economic help poor friends, relatives, neighbors, before the crisis, the poorer the people become well-off. Bang Bieren is to help themselves. There are difficulties in their turn will come only when there is a friend to help you.
Have confidence in the face of crisis. The Chinese government does not care what will happen, you are not alone. Everyone has confidence in the economic recovery will be faster.