Deserted Wife's Extraordinary Life

A young and beautiful girl, she was also the organizer of a competition. Her appearance was not bad and she spoke very generously. Such a character was always welcome wherever he went.    

    

Although this was not an era of beauty or justice, anyone who saw a beautiful girl would still be happy to talk to her.    

    

Director Qian and Kang Ying from the City Credit Union quickly started a conversation, and the two of them talked about how difficult it was for farmers to borrow money.    

    

"Yes, we do have some loans for farmers, and there aren't many farmers who don't apply for loans.    

    

Actually, for our society, it is also a headache to issue loans and recycle them.    

    

If the loan is not released, the bank will have no profit. "    

    

Director Qian did not hide anything from the layman, but Kang Ying put forward a new idea, she said:    

    

"Director Qian, can you consider using the method of micro-credit? There's no need for too much money. The amount of money you can give out is as little as three to five thousand yuan, and it can be as much as twenty or thirty thousand yuan."    

    

"Microcredit?" When Director Qian heard this, a trace of doubt flashed across his eyes. Then, he said, "I've never heard of this project before. Other banks probably haven't started it yet."    

    

"Don't you have money for a farm project? I know that you are afraid to lend to your peasant friends because they do not have collateral or collateral, so there is a dilemma. You want to lend, but you do not have the conditions to apply for a loan. Real poor people want to lend, but they don't meet the conditions your bank demands. You don't dare to lend. Both sides are in a state of mutual need. "    

    

"That's right, that's right. That's the crux of our problem."    

    

Director Qian nodded in agreement. His interest was greatly piqued. He felt that Kang Ying was also quite knowledgeable about the bank's work.    

    

Men first looked at the leather bags of their subjects, but if they were just leather bags, it would be boring after a while. If you don't just have the skin and the content, it will stimulate the enthusiasm of the conversation.    

    

"But the truth is, farmers don't need a lot of loans. Three to five thousand yuan, ten to thirty thousand yuan. To them, that's enough to support the development of agricultural production." Kang Ying said.    

    

"That's right, but even if the loan is small, we still need collateral and guarantees before we can proceed." Director Qian said.    

    

"Have you heard about the microcredit project in Bangladesh?    

    

In 1976, in a village in Bangladesh, Yunus conducted a $27 microcredit experiment on 42 of the poorest farmers, and then gradually established the Grameen Bank, Bangladesh's rural bank.    

    

Grameen Bank is a completely commercialized operation model, which is developed through good enterprise management. It has 2,226 branches and 6.5 million customers, has good asset quality and a repayment rate of 98.89%, which is more than any other bank in the world that has successfully operated.    

    

Over the decades, the Grameen Bank in Yunus had lent 6.39 million people, 96 per cent of whom were women, which had allowed 58 per cent of borrowers and their families to break the poverty line.    

    

Most of all, Yunus achieved a win-win situation: the poor not only got out of poverty, but also gained human dignity.    

    

As a result, the "Grameen" model is being replicated not only in many underdeveloped countries, but also in developed countries such as the United States, Canada, France and Norway. "    

    

Kang Ying spoke confidently. It was Director Qian's first time hearing about this kind of project. He couldn't help but ask, "Do you think this method of operation is feasible in our country?"    

    

Thus, Kang Ying explained to him the specific operation method of this microcredits, and said: "Take Guanshan Village's Xia Dashan as an example, you can first organize a credit officer to investigate his letter collection, and then ask him if he has committed any illegal actions, how he is normally, and whether he has any credit, and thus form a letter collection report.    

    

Finally, with this credit rating as an alternative to collateral, according to his personal credit rating, the grade of a loan can be determined, for example, if the credit rating is 9 points, the loan can be 30 thousand, the loan can be more than 7 points, the loan can be 10 thousand, the loan can be more than 6 points, and the loan can be 3000, and if the credit rating is less than 5 points, the loan cannot be made. "    

    

This was actually a product derived from the credit system of future generations, but right now, there was no way to use credit to evaluate a person's practices.    

    

At this time, many people, if they had the chance to go abroad, would marvel at the foreigners for keeping their promises, paying taxes according to the law, truthfully calling the police in case of a traffic accident, timely return of credit cards, and so on.    

    

Actually, it was not. Everyone's heart was full of ill will. The reason why foreigners could honestly keep their promises was because they had a perfect legal system and credit rating system waiting for them.    

    

You have the guts to try not to return your credit card: maybe next time, you won't be able to use your credit card again.    

    

Furthermore, in the future, if he found a job, bought a house, applied for a loan at school, and so on, he might not be able to borrow money or find a job if he were to squander his credit.    

    

Therefore, it was not because the foreigners had high standards of quality or civilization. It was mainly because their credit evaluation system was sound and the corresponding laws were sound, so they did not dare to touch upon the bottom line of credit.    

    

Kang Ying knew that people who don't have credit are just money. She was worried that Director Qian wouldn't be able to accept her theory.    

    

Unexpectedly, Director Qian's eyes lit up after hearing it, "Chief Kang, I didn't expect that the bottleneck that I've been puzzling over for a long time, found a way to break through with you."    

    

Kang Ying was surprised to hear him say this. "Director Qian, are you going to work on microcredit?"    

    

"The rock of the other side of the mountain can be used to attack jade. This kind of work completely solves the contradiction between the supply and demand of our bank lending and applying for a loan.    

    

When I get back, I'll start working on a set of micro-credit solutions that fit our situation here, but the underlying theory must be derived from your introduction. "    

    

Director Qian's face was full of excitement. He felt like he wanted to jump off the bus and go back to work.    

    

Seeing this, Kang Ying couldn't help but sigh. This was indeed a hot era of reform and opening up. There were some people here who were bound by the old rules, those who were afraid that their own interests would be divided and didn't dare to break through the old conservatives, but there were also some like Director Qian, who was an active reformist with enthusiasm for starting a business.    

    

"Director Qian, then can we talk about a preferential condition?"    

    

"Sure, go ahead." Director Qian was getting excited, so he agreed without hesitation.    

    

"If you really implement this plan of yours, can you give more of the loan quota to our credit union and focus on supporting our tea farmers?"    

    

It was Kang Ying's idea. Otherwise, she would be too selfless.