叮的一声，展柜货款进账了，这是亚洲西部国家一个珠宝品牌的付款信息，今天是7月1号，又是周一，真是开了个好头。

上网一查，这家珠宝公司的年龄，也许比屏幕前的你还大，反正比我大，而且他们在欧洲市场很有名气，在INS，脸书等一些社交媒体很多明星网红代言。

今年来，国外客户越来越多，占据了我们工厂70%的订单，看到这个数据，挺开心的，章娅妮展柜，又多了一个国外老牌珠宝企业的客户，全球计划又多了一笔，值得高兴。

我们前后对接了一个月，今天付了定金进我们账户。Boss一直派同事和我对接商量货款怎么付的事，我告诉客户，我们厂都事预付80%的定金，十万以下的金额是全款。

客户说：“我们现在的供应商都做月结，而且我们公司付款都是从来不拖欠供应商货款的。”

是的，我绝对相信，没有一家公司会故意拖欠供应商货款，即使发生拖欠事件，也是有客观原因的。但是，我不做月结，不是因为不信任你，是我睡眠不好，在你付款前的这段日子里，我会失眠，失眠是件极其痛苦的事情，如果付款条件不能满足我们工厂的原则，那我宁愿不做这笔订单，请你原谅。

前几天，客户要我做合同回签，做PI付定金，看到这，我觉得有谱了。时隔几天后的今天，货款进账了，这事尘埃落定了，这是一个天使客户，发个朋友圈，做个记录。

昨天跟一个世界五百强的前员工聊天，他们公司的资金周转率是1比5。为了提高资金周转率，中国公司刻意成立了一个部门，就是控制月结授信，跟催货款回收，他们已经是行业老大，也没有不良货款，但也只能做到1比5。

稻盛和夫说过，从京瓷成立的那天起，到后来做到世界500强，京瓷没有应收账款。

大公司都不干的事情，我们小公司更没这能力干，也没这实力干。

当时也不知道这个新客户是什么来路，反正我们公司就一个款清发货的要求，都是一视同仁的，就直白地说出来了。他也就这么同意了。

这个事情，让我突然想对你说：你看，国外的上市企业都能做到款清发货，以后你就不要再找理由了，说什么财务制度不接受。当然我也相信，制度肯定是没法逾越的，但想买，总是有办法。

Ding! The payment for the jewelry display case has arrived, from a renowned jewelry brand hailing from the western part of Asia. It's July 1st, a Monday, and this marks a wonderful start indeed!

Upon researching, I found that this jewelry company has a rich history, perhaps older than even some of you out there, and definitely older than me. They enjoy immense popularity in the European market, with celebrities and influencers endorsing them on Instagram, Facebook, and other social media platforms.

This year, our factory has witnessed a surge in international clients, accounting for 70% of our orders. Securing this esteemed, long-standing European jewelry brand as a client for the "Zhang Yanni Display Case" is a milestone in our global aspirations. It fills me with joy!

After a month of meticulous communication and negotiation, the deposit has finally landed in our account. The boss had tasked colleagues to work closely with me on the payment terms. I emphasize our factory's policy of 80% advance payment for all orders, with full payment required for amounts below one hundred thousand.

The client initially expressed their custom of monthly settlements with suppliers and assured us of their impeccable track record in timely payments.

Undoubtedly, I trust that no company intentionally defaults on payments; any delays are likely due to unforeseen circumstances. However, my insistence on our payment terms stems not from mistrust but from a personal struggle—I simply can't sleep peacefully until payments are secured. The anxiety of waiting can be excruciating, hence my firm stance on our principles.

Seeing the client's willingness to proceed with the contract and PI for deposit payment was a reassuring sign. And today, with the deposit safely in, I can finally breathe a sigh of relief. This is indeed an angelic client, worthy of a celebratory post on my social media.

Yesterday, I had a fascinating conversation with a former employee of a Fortune 500 company. They shared that their company's cash conversion cycle was an impressive 1:5. To maintain such efficiency, they've dedicated an entire department to managing credit lines, monthly settlements, and aggressive collection of payments. Even as an industry leader with no history of bad debts, they've only managed to achieve a 1:5 ratio.

Kazuo Inamori, the founder of Kyocera, once said that since Kyocera's inception, and even as it grew into a Fortune 500 company, they've maintained zero accounts receivable.

If even giant corporations refrain from offering credit terms, it's all the more reason for small businesses like ours to adhere strictly to our 'payment before delivery' policy.

Initially, unsure of this new client's background, we applied our uniform policy without exception. To our delight, they readily agreed.

This experience prompts me to gently remind you: if international, publicly listed companies can abide by payment-before-delivery, surely there's always a way, despite any institutional barriers you might perceive.So, if you've ever hesitated due to financial policies or perceived limitations, know that there's always a solution if the desire to collaborate is genuine.

我是展柜大小姐章娅妮，来自东莞鑫峰展柜厂，30年来我们厂只做类似于卡地亚珠宝这样的奢侈品展柜和道具。

100多个国内外品牌授权我们厂制作展柜和道具，虽然我们贵一点，但是品质堪比卡地亚。

既能做钟表、珠宝、博物馆等展柜，又能做陈列道具的工厂，这样的工厂，在国内没有第二家。

我已经用自己的姓名“章娅妮”注册了展柜品牌，这代表了我此生不转行。

做了不称心的展柜，应该来鑫峰厂试试。

手机/微信：17688026138

联系人：章娅妮

地址：中国广东省东莞市企石镇永发工业区环企大道42号之一

I am Ms. Zhang Yani, from Dongguan Xinfeng Showcase Factory. For 30 years, our factory has only made luxury showcase and props similar to Cartier jewelry.

More than 100 domestic and foreign brands authorize our factory to make display cases and props, although we are a little more expensive, but the quality is comparable to Cartier.

Both can do watches, jewelry, museums and other display cases, but also can do display props factory, such a factory, there is no second in the country.

I have registered the showcase brand with my own name "Zhang Yani", which means that I will not change my career in this life.

Do not satisfactory display case, should come to Xinfeng factory to try.

Tel/wechat: 17688026138

Contact: Zhang Yani

Add: No. 42 Huanqi Road, Yongfa Industrial Zone, Qishi Town, Dongguan City, Guangdong Province，China.