事业 · 创业者自述
约翰·D·洛克菲勒:洛克菲勒回忆录·补录 133
约翰·D·洛克菲勒《洛克菲勒回忆录》· Random Reminiscences of Men and Events · 领导
Here is an example of one of the ways in which we achieved certain economies and gained real advantage. Fires are always to be reckoned with in oil refining and storage, as we learned by dear experience, but in having our plants distributed all over the country the unit of risk and possible loss was minimized. No one fire could ruin us, and we were able thus to establish a system of insuring ourselves. Our reserve fund which provided for this insurance could not be wiped out all at once, as might be the case with a concern having its plants together or near each other. Then we studied and perfected our organization to prevent fires, improving our appliances and plans year after year until the profit on this insurance feature became a very considerable item in the Standard earnings.
出处:
https://www.gutenberg.org/ebooks/17090
定位:Additional excerpt 133 · 核对日期:2026-10-19 · 核验:短摘录
白话
洛克菲勒举了一个省钱又占优势的例子。炼油和储油最怕火灾,他们吃过亏。但把工厂分散到全国各地,每次可能烧掉的量就变小了,一场火毁不掉整个公司。于是他们干脆自己给自己保险,设一笔备用金来应对火灾损失。因为工厂不集中,这笔备用金不会一次赔光。他们还不断研究改进设备和管理,防止火灾,年复一年,结果这笔“自保”省下的钱,成了标准石油一笔相当可观的利润。
上下文
洛克菲勒在回忆录中解释标准石油如何通过分散布局和自保来管理火灾风险并转化为利润。
今日一问
你的业务有没有把风险集中在一处?能不能通过分散布局或自留备用金来降低一次事故的致命打击?
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