One credit can save the rise and fall of an enterprise, and the delayed interest rate discount has ruined the survival of many enterprises during the epidemic. Since February 1, 2020, the country has successively ushered in the financial policy guidelines for supporting SMEs in loan financing. Almost all banks have introduced corresponding policies to help SMEs in the financial crisis of the epidemic.

     The interest rate cuts and discount policies are encouraging, but when actually applying for specific applications, we were indeed hit hard. Not to mention the huge discounts of tens of millions of loans so far, no one cares about it. Even the normal application after the loan interest rate is lowered cannot be fulfilled, and it is forced to on-lending to another bank, but it has virtually increased the cost of capital in the process. What is even sadder is a small and micro loan with a low loan of over a million for corporate turnover in a well-known domestic commercial bank with an interest rate of 6.86.  I applied for many times that the interest rate should be lowered to the level during the epidemic period, but every time the bank service is obtained. What the staff replied was "If you don't handle this business, or you can transfer away..." So far, no results have been achieved.

  Enterprises are the backbone of a country's national economic development and the fundamental guarantee for the stable development of society and employment. The effective prevention and control of the epidemic has made people all over the world look at China with admiration. This is the result of the joint efforts of the people of the whole country (Chinese). How to save and maintain corporate interests in a crisis is not only one of the important issues for the country to consider, but also the top priority for all functional departments to cooperate fully.

    Finance occupies a core position in the modern economy. Commercial banks play an important role in market regulation in today's finance. Finance is an important lever of modern macroeconomics. In today's capital market of China, commercial banks act as intermediaries and the function of the service provider can be both a fundraiser and an investor. As an important economic resource and wealth, monetary funds are still the lifeblood and medium for communicating the economic life of the entire society. The improvement of the management efficiency of commercial banks is bound to strengthen the development of the overall social economy and the currency market.

   Finance occupies a core position in the modern economy. Commercial banks play an important role in market regulation in today's finance. Finance is an important lever of modern macroeconomics. In today's China's capital market, commercial banks act as intermediaries and the function of the service provider can be both a fundraiser and an investor. As an important economic resource and wealth, monetary funds are still the lifeblood and medium for communicating the economic life of the entire society. The improvement of the management efficiency of commercial banks is bound to strengthen the development of the overall social economy and the currency market.

    The current epidemic has not completely passed away. How to prevent and control the international spread of this epidemic may be a protracted battle. The strong protection of financial and bank brands is imminent. The operation of finance not only directly affects the process of economic construction, but also affects the state of social development to a very large extent. Promoting the healthy and orderly brand-building development of my country's financial industry affects the key to corporate financial and monetary support.

     Berkshire Hathaway ranked 8th in the rankings of 2021 "Daguan · Kewei World Brand Value Top 900" with a brand value of 1,059,541 million RMB.

   Speaking of Berkshire Hathaway, people in China may not know that much, but when it comes to Warren Buffett, it can be said to be a household name. This legendary man who has amazed the world's investment community has led the United States' first century of income-generating wealth finance.

    Berkshire Hathaway (Berkshire Hathaway), led by Warren Buffett, has demonstrated its leadership in the investment and finance industry with its amazing creative talents, with a keen perspective in the experience of time, Practicing the life experience of earning excess wealth through failure, error and success.

     Berkshire Hathaway (Warren Buffett) and its subsidiaries are engaged in a variety of business activities, including insurance and reinsurance, utilities and energy, rail freight, manufacturing, retail, and services. Such as the famous American Express Mail Company, Coca-Cola Company, Federal Home Loan Mortgage Company ("Freddie Mac"), Gillette Company, Washington Post Company, etc. The company's common stock is listed on the New York Stock Exchange under the trading code BRK.A.

    The mission of Berkshire Hathaway requires the unremitting commit-ment and unique expertise of dedicated professionals who care about protecting the main streets of investors and other markets that rely on us to ensure their finances.

    Berkshire Hathaway is named after Berkshire Fine Spinning Corpo-ration and Hathaway Manufacturing Company: Berkshire was a northern textile manufacturer that was in a bad business. The minutes of the board meeting on July 29, 1954 showed a grim fact: “New England’s textile industry began to emerge from recession, and the creation of opportunities originated in the 19th century when the two companies merged and named Berkshire Hathaway. (Berkshire Hathaway) Today’s name. Warren Buffett bought the first shares of BPL in Berkshire in December 1962.

    1972 was a turning point for Berkshire. Among them, Warren Buffett's Charlie Munger made Berkshire's design blueprint today, combining huge scale with satisfactory profits. "Forget what you know about buying a fair business price at Wonderful; on the contrary, buy a good company at a fair price." (The introduction source is selected from the official website of the company's Warren Buffett’s open letter. There are many investment ideas and references worth referring to. Value financial leverage is not analyzed in the article, to be further elaborated).

     Today's Berkshire is now a huge conglomerate, constantly trying to expand further. In the past ten years, rapid growth. Today, Berkshire owns (1) a group of unparalleled companies, most of which are now enjoying good economic prospects (2) a group of outstanding managers, except for a few exceptions, they are very dedicated and their subordinates The company and Berkshire (3) the extraordinary diversity of income, excellent financial management will maintain strong liquidity under any circumstances (4) the first choice many owners and managers are considering selling their businesses and (5) In one point about the former, a culture is different from most large companies in many ways. Berkshire Hathaway has been working for 50 years, and after years of development, it is now rock solid. These advantages provide us with a good foundation. Safeguard Berkshire for the next 50 years.

     Berkshire Hathaway has another advantage, which has become more and more important over the years: it is now the home of choice for the owners and managers of many outstanding companies.

     The three basic principles are Berkshire Hathaway will always adhere to. "First of all, the source of income is huge. A lot of business. Our shareholders now have many large companies with lasting competitiveness, and we will gain more advantages in the future. Our diversification ensures that Berkshire continues to be profitable, even if the insurance loss caused by a disaster far exceeds any previous experience.

    Next is cash. In a healthy company, cash is sometimes considered something that needs to be minimized—as an unproductive asset that weighs down on indicators such as return on equity. However, cash is as important to a business as oxygen is to a person: never think about when it exists, when it does not exist, the only thing in your mind is it. Finally, speaking of the third point, we will never engage in any possible business or investment activities leading to sudden huge demand. This means that we will not expose Berkshire to short-term debt." 

    "Top" will be the key to maintaining Berkshire's special culture.  "Fortunately, the structure that our future CEOs need to succeed is firmly established. The extraordinary Berkshire Hathaway's existing decentralization is the ideal solution to bureaucracy. In an operational sense, “Berkshire is not a large company, but a collection of large companies. In the 85 years since we were founded in the heyday of the Great Depression, we have been committed to protecting investors, maintaining fairness, order and effective markets and the mission of promoting capital formation.

   Business initiatives, market-focused actions, guidance and targeted assistance and relief, investor protection efforts, and other tasks taken in response to the impact of COVID-19 are not exhaustive. Rather, it provides context and a more specific background on how the SEC continues to work with investors and other market participants to fulfill its mission in this collective, nationally challenging period.

    Behind a great company, there must be an amazingly great meaning and a brand that makes the world admire the value of returning to the society. On June 23, 2021, in the United States, Warren Buffett’s annual contribution was announced:，”Berkshire Hathaway’s allotment of shares to five foundations is a milestone for me. In 2006, I promised to issue all of my Berkshire Hathaway shares, and more than 99% of my net assets will be used for charity. With today's USD 4.1 billion issuance, I have already succeeded in half.”

    Berkshire Hathaway has accurately grasped venture capital opportunities during the previous financial turmoil in the United States, adhered to the brand as a customer orientation, and sincerely realized brand social responsibilities and obligations with charitable returns.

作者：Nan