Récit des entreprises qui proposent des paiements à 90 jours ... mais que les banques veulent des rêglements à 14 jours alors que les livraisons prennent 30 jours et la fabrication, 15 jours.
Quand les banques ne comprennent pas l'économie et sont pilotées par des idiots (banques centrales).
http://www.zerohedge.com/news/2016-09-04/fed-fiddles-while-free-markets-burnAn example went something like this, and this is from first hand experience, not speculation….
First you received a phone call out-of-the-blue and were told by your bank that your credit line on receivables, which were allowed for receivables 90 days old or less, were now reduced to 60 days.
In effect, what this did was this: Let’s say you had a customer that paid you 90 day terms like clockwork, never had a late payment, and did business with you at a rate of let’s say $300K per month. You now just lost $300K in working capital. And that’s for just one of you accounts.
To make matters worse, these changes were implemented immediately, as in today, not tomorrow, not next week, not next month, but right there and then.
And the response when you questioned (or screamed?) “Sorry, those are the new policies, and if you want to pay your balance off and find another bank? We understand.” And there was an unmistakable tone (or hope) that that was exactly what you would do. But it didn’t stop there.
Then, just like the previous, you received a notice that 60 was now 45. Then 45 became 30, then 14. Till in the end, you could no longer afford or manage being in business. Remember, this was taking place at first over months, then it was weekly, to near daily. But it wasn’t just you. It was also the same at your customers. And as they too succumbed to the same thing happening to them, the banks themselves then started shuttering at an alarming rate. Hence the now “Savings and Loan crisis” moniker.
