In May, Ding Le led the account manager to promote the pilot implementation of the "Sunshine Credit" project in Sancun, and had no time to take into account the fluctuations of the stock market, so he could only review the day's market after work. Since the last rebalancing, he has also been particularly attentive to the daily trend.

He told Xia Xiao that she should also keep an eye on the market, and the direction she chose for graduate school was also finance, and the appropriate attention to the capital market was also conducive to the understanding of professional theories.

Entering May, the market index has climbed to 4,300 points, and the market is full of warblers and swallows. Since March, in just two months, textiles, chemical fibers, machinery, motorcycles, ceramics, instrumentation and other sectors have risen by more than 100%, and the stock prices of some theme varieties lacking performance support have increased several times.

In order to restore the rationality of investors, the regulatory authorities have also issued a series of policies, but with little effect, a large number of investors are rushing to enter the market, and the market speculation atmosphere is quite strong.

In the early morning of May 30, as Ding Le remembers, the Ministry of Finance issued a document to increase the stamp duty rate in stock transaction fees from 1‰ to 3‰.

Ding Le got up early in the morning and saw the news rolling in the financial news, and no one knew better than him what kind of tragedy would happen in the stock market today.

After breakfast in the cafeteria, Ding Le came to the office early to turn on the computer and waited patiently for the opening.

When the stock market opened, the Shanghai Composite Index opened 247.51 points lower than the previous trading day, or 5.87%, and the market was in an uproar. Half an hour after the opening of the market, the Shanghai Composite Index rebounded to 4275 points, just when investors thought that this time it would open low and go high again like the previous adjustment, who would have thought that A shares suddenly dived, and the index fell all the way from 9:47.

After Ding Le saw that the index was falling all the way, he turned off the software and began to get busy with the work at hand. For witnessing the occurrence of history again, he was much calmer.

Until the close of trading today, the two markets plummeted by more than 6%, with 859 stocks falling and more than 1 trillion yuan in market value evaporated in one day. As a result, the stock market started a plunge that went down in the history of A-shares.

The market plummeted, did not affect the trend of Hudong Heavy Machinery, Hudong Heavy Machinery after nearly 2 months of sideways consolidation, the last two trading days of May, against the market rose to 120 yuan, even if the Shanghai Index in the following week from 4300 points all the way to 3400 points, did not destroy the upward trend of Hudong Heavy Machinery.

And after three months of rising after the Spring Festival, Hudong Heavy Machinery's share price has been far out of the cost range of Ding Le's position, and the fluctuations at this moment will not shake him.

Ding Le calmly watched all this at the same time, Ding Jianye, who was far away in Shanghai, felt the impact of the market crash at zero distance, his income on Hudong Heavy Machinery has been forgotten by ordinary people, but before he was in the bag, it was just a string of numbers, he called Ding Le: "Ah Le, you have also seen the market today, is the bull market over?"

Ding Le said calmly on the phone: "Isn't there no movement on the overall listing of China Shipbuilding Group, and the fattest piece of meat hasn't reached your mouth yet, so you want to leave the table?"

At Ding Le's insistence, Ding Jianye watched the market plummet every day in horror and felt the ruthlessness of the capital market.

Similarly, Xia Xiao also came to ask Ding Le if the market was going to be cleared when the market plummeted, and Ding Le persuaded her for the same reason.

***

Taiping sub-branch in the second quarter of the new deposit of 8.2 million yuan, a net increase of 7 million yuan, new loans of 13 million yuan, the second quarter of the special assessment has been completed 7788, in the bank more than 30 units, the task completion rate ranked the top three.

After the start of the competition, the performance growth of many sub-branches has declined, but the Taiping sub-branch has taken advantage of the victory to pursue, showing a strong growth trend.

On June 4, Haizhou Daily published a long press release on the front page entitled "A New Chapter of the Taiping Sub-branch's "Sunshine Credit" Project Benefiting the People - Remembering the Financial Dream Chasers of Haizhou Bank" written by reporter Cui Yan.

In the morning, Ding Le was holding a meeting with several account managers, telling them to pay close attention to the use of funds after the villagers applied for loans, and to ensure that the use of funds was real.

Just as Ding Le was talking, he received a call from Yu Jiankang: "Ding Le, you immediately rush to the head office with the materials of the sunshine credit project of your branch, and Xiao Dong and Yang Xing will listen to your report!"

Ding Le inquired again and found out that after the Haizhou Daily was published, the Propaganda Department, the People's Bank of China, and the Banking Regulatory Bureau all called to learn about the specific situation, but no one in the head office knew about it.

I didn't expect Cui Yan's speed to be so fast, Ding Le thought that he would have to wait for a while, and he would have enough time to report the "Sunshine Credit" pilot situation of the Taiping Branch to the head office.

Ding Le hastily ended the meeting and hurried to the head office with the previously printed report materials and the "Sunshine Credit" operation manual. In order to arrive as soon as possible, he overtook all the way, merged, and finally arrived at the head office before 11 o'clock.

Ding Le knocked on Yu Jiankang's door, and before he could open his mouth to speak, Yu Jiankang hurriedly stood up: "Don't say anything, hurry up and follow me to the conference room." After knowing the situation of your Taiping Branch, the chairman and the president did not arrange activities in the morning, so they are waiting for you to report!"

Yu Jiankang dragged Ding Le to the conference room, and at the same time called Chairman Xiao and President Yang, as well as Vice President Chen Hui, who was in charge of business.

Ding Le arrived at the conference room, and before he could sit down, several collars hurriedly walked in.

Xiao Huafeng sat down and said straight to the point: "President Ding, you really put a satellite on our Haizhou Bank, if it weren't for the Propaganda Department, the People's Bank of China, and the Banking Regulatory Commission to call and ask, we would still be in the dark!"

Ding Le saw that the chairman did not mean to blame, so he knew that this was not a problem, and the key to the problem was how to persuade the leaders to continue to promote the "Sunshine Credit" project in the next step.

Yang Zongpei took over the topic and said: "President Ding, your behavior has made the head office very passive, what is the matter with the reporter's interview? What is the matter with the sunshine credit that your Taiping branch has engaged in? You can explain it to us in detail!"

Seeing this, Ding Le thought that he was fortunate to be prepared, when he began to put forward the idea of "Sunshine Credit", he had already thought of the excuse to explain to others in the future, and in order to protect the big secret in his heart, he had to come up with some white lies.

So, after the end of the competition in the first quarter, he returned to the branch to lead the staff to hold a publicity meeting, at which everyone raised concerns about the new loans in the second quarter.

Ding Le said: "I have also been thinking about how to find new growth points, and I think of the current rural people starting a business, because there is not enough mortgage guarantee, often cannot apply for loans, thinking of the credit cards promoted by the four major banks and joint-stock banks, I initially just had a hazy idea, what really made my idea perfect is that I was inspired by Yunus's Farmers Bank." ”

Ding Le's remarks made the leader sitting opposite listen to it a little unfinished.

Ding Le continued: "In fact, the problem faced by our Taiping sub-branch should also be a common problem in all branches of the bank, how to put new loans? Ding Le bluntly put forward his own point of view.

Everyone didn't expect Ding Le to be very straightforward when he came up, and the questions he talked about were also very sharp.

Xiao Huafeng laughed after listening to what Ding Le said: "I didn't expect President Ding to think so deeply, I didn't blame you today, so don't hide your secrets, just say whatever you want, let a few old comrades brainstorm with young people!"

Yang Zongpei also smiled and said: "Today I will speak freely to you, and you will finish it at one time, so that you can go back and make any innovations, and then we will be passive!"

Now that he has received the encouragement of the chairman and the president, Ding Le has become much bolder. He then talked about the current development pattern of rural finance from the perspective of his own observation: "At present, a treasure that continues to develop e-commerce has begun to try P2P finance, and at the same time they will extend their tentacles to the traditional rural market. “

"Maybe my question is a bit acute, but we can't escape it, and we have to find our niche in the face of the onslaught of competitors. “

"I think our bank's customer system can be divided into three levels from top to bottom, the bottom is the town branch, my personal suggestion should be to learn from the Taiping branch, vigorously promote sunshine credit; the middle layer is the urban branch, focusing on the development of individual industrial and commercial households, small and micro business owners; the top level is the corporate team to grasp the real estate market and the newly established high-tech zone to corporate customers!"

Vice President Chen Hui, who was in charge of business, said after listening: "I feel that you are Tian Ji's horse racing strategy!" As soon as he finished speaking, a room full of people laughed again.

Ding Le continued: "I don't have much say about anything else, I still focus on reporting to the leaders how we promote Sunshine Credit and the risk points that should be paid attention to in the process of promotion!"

Regarding the positioning of the whole bank, Ding Le just raised his head, and did not want to contribute all the dry goods in his heart, he still talked about "Sunshine Credit".

He made a detailed report to the leaders on how to set up the customer's file, how to establish the credit evaluation team, and how to grasp the authenticity of the loan purpose.

Ding Le also used the performance of Taiping Sub-branch before and after the promotion of "Sunshine Credit" as evidence to prove that this model has huge market potential in rural areas.

In almost an hour, Ding Le reported all the materials he had prepared to the leaders. After listening to his report, Xiao Huafeng said: "You leave all the materials at hand, the head office needs to study it carefully, I hope you also understand!"

Ding Le was naturally happy, walking out of the conference room, he gradually came out of the excitement, and suddenly felt very tired, it is not easy to convince so many leaders, and he thought about things simple again!