事业 · 创业者自述
亨利·福特:我的生活与工作·补录 272
亨利·福特《我的生活与工作》· My Life and Work · 领导
We could have borrowed $40,000,000--more had we wanted to. Suppose we had borrowed, what would have happened? Should we have been better fitted to go on with our business? Or worse fitted? If we had borrowed we should not have been under the necessity of finding methods to cheapen production. Had we been able to obtain the money at 6 per cent. flat--and we should in commissions and the like have had to pay more than that--the interest charge alone on a yearly production of 500,000 cars would have amounted to about four dollars a car. Therefore we should now be without the benefit of better production and loaded with a heavy debt. Our cars would probably cost about one hundred dollars more than they do; hence we should have a smaller production, for we could not have so many buyers; we should employ fewer men, and in short, should not be able to serve to the utmost. You will note that the financiers proposed to cure by lending money and not by bettering methods. They did not suggest putting in an engineer; they wanted to put in a treasurer.
出处:
https://www.gutenberg.org/ebooks/7213
定位:Additional excerpt 272 · 核对日期:2026-10-19 · 核验:短摘录
白话
福特说,他们本可以借到4000万美元甚至更多。但假如借了会怎样?那就不会被迫去找降低生产成本的办法。就算年息6厘,加上佣金等费用,每年生产50万辆车,每辆车光利息就要摊到约4美元。结果就是:既没得到改进生产的好处,又背上沉重债务,车价可能贵100美元,买的人更少,雇的人也更少,反而不能最大限度服务社会。金融家的药方是借钱,而不是改进方法;他们想派个财务主管,而不是工程师。
上下文
福特以假设性对比说明借款会削弱企业改进方法的动力,并批评金融家的思路。
今日一问
如果现在有一笔容易借到的钱,你会用它来掩盖问题,还是先逼自己改进方法?
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