事业 · 创业者自述
安德鲁·卡内基：安德鲁·卡内基自传·补录 225
安德鲁·卡内基《安德鲁·卡内基自传》· Autobiography of Andrew Carnegie · 领导
My first important enterprise after settling in New York was undertaking to build a bridge across the Mississippi at Keokuk.[29] Mr. Thomson, president of the Pennsylvania Railroad, and I contracted for the whole structure, foundation, masonry, and superstructure, taking bonds and stocks in payment. The undertaking was a splendid success in every respect, except financially. A panic threw the connecting railways into bankruptcy. They were unable to pay the stipulated sums. Rival systems built a bridge across the Mississippi at Burlington and a railway down the west side of the Mississippi to Keokuk. The handsome profits which we saw in prospect were never realized. Mr. Thomson and myself, however, escaped loss, although there was little margin left.
出处：
https://www.gutenberg.org/ebooks/17976
定位：Additional excerpt 225 · 核对日期：2026-10-19 · 核验：短摘录
白话
卡内基到纽约后第一件大事，是承包修建密西西比河上基奥卡克的大桥，从地基、石工到上部结构全包，报酬用债券和股票支付。工程本身很成功，财务上却栽了跟头：一场恐慌让连接铁路的公司破产，付不出约定款项；对手又在伯灵顿建桥、修铁路通到基奥卡克。眼看的大笔利润没拿到。不过他和汤姆森先生没亏本，只是所剩无几。核心教训是：工程再漂亮，回款链条断了也白搭。做法上，接大项目要盯住付款方的偿付能力，别只看账面利润。
上下文
卡内基自传中回忆他早期承包基奥卡克大桥的经历，当时美国铁路建设热潮伴随金融恐慌。
今日一问
你手上项目的回款来源，是否也依赖某个你控制不了的环节？
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