When people are busy, they feel that time flies very quickly. From the beginning of April, he put forward the idea, formulated the "Sunshine Credit" plan, and landed in Huaishu Village, Ding Le took Zhang Maosheng and Fei Yang to be busy like a spinning top.

The audit department of the head office sent personnel to review, Ding Le only showed his face at the beginning, and let Zhang Linli hold it the rest of the time, so that he didn't know when it would end.

After Ding Le sent an email to Yu Jiankang at the beginning of the month, it was like a stone sinking into the sea, and it was not until the middle of the month that Yu Jiankang called Ding Le.

"I have reported your materials to the chairman, and now the leaders of the industry are also very concerned about this matter, because the high-tech zone is still under construction, and there are still many uncertain factors, so there are many difficult to draw conclusions, this time Uncle Yu thanks you for your support!"

The head office still lacks the courage to be one step ahead, and still adopts the strategy of waiting and talking, for which Ding Le has no good way except to regret his helplessness.

In April, the deposits of Taiping Sub-branch rose steadily, and due to the continuous rise in the market, the people who bought the fund were like waves, one wave after another. Among the tellers of the branch, Cheng Dongxia, who bought the fund earlier, has doubled his income.

According to the notice of the head office, the Taiping sub-branch will be closed on May Day, and the rest of the time will be open normally. Ding Le understood the hard work of the teller very well, and after discussing with Zhang Linli, he decided to arrange a two-day rest for each person, and the account manager also implemented it, and this decision waited for the support of all the staff of the branch.

Team building is a qualified branch president can not get around, Ding Le has always been very respectful of the relaxed working atmosphere, for employees can not be blindly squeezed, a relaxed environment will have better cohesion.

***

In April, driven by the sharp rise in the stock market, housing prices began to rise all the way, and the parents looked at more than ten real estate projects one after another, but finally did not decide which set to buy.

When Ding Le came home from vacation, his mother had already prepared a sumptuous dinner, and after the meal, his father took out a stack of developer's promotional materials and spread them on the table.

"Ah Le, these materials are the real estate introductions we are interested in, my parents are picky, you take a look, we still buy a house based on your opinions. ”

The mother also said on the side: "The house will still be lived in by you in the future, so you have to come up with an idea!"

Looking at the promotional leaflets on the table, Ding Le felt a little big, and he asked his parents: "Is there any real estate developed by Vanke?"

Father took out one of them and handed it to Ding Le, who took it and looked at it carefully. Vanke Future City, the real estate is located in the core area of Shishan Road, near the government kindergarten, Haizhou Primary School, Haizhou Middle School, absolutely high-quality school district housing. The property is also very close to the current home, only two intersections away. The unit price on the promotional leaflet is 7,300 yuan, which is 1,000 yuan higher than the current market average price.

Ding Le finished reading the foldout and said: "Just choose it, don't look at anything else, go to the sales office tomorrow to see, and buy it immediately if there is a suitable house!" Ten years later, Ding Le bought a house and picked Vanke's real estate, and he has always had a soft spot for Vanke's property services.

Vanke's real estate, from now to the future, the surrounding high-quality educational resources will always be the core selling point, and the transaction price of second-hand housing will reach more than 50,000 yuan in 10 years. Ten years later, a subway was built on Shishan Road, and the subway entrance is at the entrance of the community, which is convenient to travel, and the subway + school district is a golden real estate.

Seeing Ding Le's intention, his mother smiled and said: "You really know how to choose, choose the most expensive one, we only looked at this community once and came back, just because it is too expensive, the house will be a good house." ”

Early the next morning, his mother woke up Ding Le early, and the family hurried out after breakfast and rushed to the sales office. The sales office of Vanke Future Garden is next to the main gate of the community, and the current sale is the second phase of the project, and the first phase was sold out last year.

Before I arrived at the sales office, I saw that it was crowded, Fang Hongli stepped forward and asked the sales lady to know that there was a real estate promotion in the sales office today, and these were all received to see the news. At this time, the price of real estate in Haizhou has just begun to rise, and it is not as terrifying as hundreds of people grabbing a house 10 years later. Today's push, coinciding with the May Day holiday, the sales office was overcrowded, Ding Le's family of three went in, and waited for more than ten minutes before the sales lady stepped forward to inquire about the situation.

Through conversation, I learned that today's developers are all existing houses, and there is a 98% discount for today's order, if it is the full amount, enjoy a 95% discount.

Looking at the information on the display board, Ding Le discussed with his parents and picked the 3rd floor of one of the buildings, with 89 square meters of two rooms in the east. So after visiting the model room, his father Ding Jianguo said to the sales lady: "Let's go to the scene to have a look, if there is no problem, we will pay the full price to buy!"

After looking at the spacing between the front and rear buildings, lighting, noise prevention, etc., it was very ideal, so Ding Le asked the sales lady to arrange to sign the contract transaction. The total contract price after the discount is 650,000 yuan, and the average price is 7,300 yuan / square.

When all the formalities were completed, it was almost 12 o'clock at noon, and when the family of three walked out of the sales office, her mother Fang Hongli still couldn't believe it, she said: "I have to go to the vegetable market to buy vegetables and walk a few more stalls, and your grandfather is more profitable to buy a house than to buy cabbage!"

At noon, the family of three had a meal at a restaurant near their home, and in the words of Ding's father, "Today is worth celebrating, we bought a house for our son!"

As soon as my father's words fell, my mother mended the knife and said, "You are embarrassed to say that the money to buy a house is basically from Ah Le!"

Ding Le saw that his parents had a tendency to fight again, so he immediately stepped forward and said to the mud, he said: "No matter what you say, it's the same, anyway, our old Ding family has another property!"

***

After solving the problem of buying a house, Ding Le returned to the Taiping Branch, in view of the May Day holiday, the branch arranged a rotational holiday, Ding Le did not take Zhang Maosheng and Fei Yang to continue to go to the village, he alone in the office of Huaishu Village "Sunshine Credit" project to carry out a full review and summary.

As far as the current promotion situation is concerned, initial results have been achieved, and Ding Le expects that after the holiday, the "Sunshine Credit" farmers in Huaishu Village will have a greater demand for loans next year after the black goat breeding in one season this year. The successful pilot project of Huaishu Village has played a good role in leading and demonstrating the remaining two villages.

As soon as the May Day holiday ended, Ding Le took Zhu Guang and Meng Yang to Nanshan Village, which was planned to be piloted, and the characteristic aquaculture of Nanshan Village was already quite large-scale at the moment. Nanshan Village is backed by Chengyang Lake, and the famous hairy crabs of Chengyang Lake are produced here.

Like the operation of Huaishu Village, Ding Le took Zhu Guang and Meng Yang to find Fang Datong, the secretary of the village branch, first, and after they made their intentions clear, Fang Datong was very interested.

Hairy crab farming in Nanshan Village has been quite large-scale, with the increase in the income level of urban residents, hairy crab market demand is strong, the village has been planning to build a new crab breeding base, but because of the lack of funds has not started, they have also found bank loans, but the state-owned banks for the village level of the real economy support is limited. They also looked for the Taiping Branch, when Wang Yonggui was in charge, he and Wu Kewei came to the scene to see it. If they go to borrow usury, they simply can't afford to borrow.

Now Ding Le took the initiative to come to the door with the account manager, which made them a little overjoyed. Fang Datong feels that according to the "sunshine credit" model, after the villagers' funds are in place, they can also set up a crab farming cooperative, and everyone can twist into a rope, which can not only expand the scale, but also resist risks.

As soon as the "Sunshine Credit" was publicized in Nanshan Village, the villagers came to the village branch in an endless stream to inquire about the specific situation, and the response of the villagers was much more enthusiastic than that of Huaishu Village.

Like the operation of Huaishu Village, Ding Le led Zhu Guang and Meng Yang to conduct a door-to-door survey according to the roster of households provided by the village committee, and the industrial structure of Nanshan Village is highly concentrated, and more than 200 households in the village are raising crabs.

Ding Le took the account manager to investigate and file, and at the same time contacted Fang Datong to set up a credit review team, and the composition and specific number of team members were copied from the setting of the credit review team in Huaishu Village.

After a thorough investigation and credit evaluation, the list of "Sunshine Credit" customers in Nanshan Village was soon announced, and there were 103 households in Nanshan Village that met the credit conditions for families, covering all households in the village, with a total credit amount of more than 8 million yuan.

With the first exploration and practice in Huaishu Village, the efficiency of Nanshan Village's promotion action has been greatly improved.

After the review and publicity, the villagers immediately took action, in April and May, it was the season when the villagers put in and replenished the crab seedlings, and at this time with the support of bank funds, this year's breeding scale will go to a new level.

For several days in a row, the account manager's office on the second floor of the Taiping sub-branch was overcrowded, and villagers from Huaishu Village and Nanshan Village came to apply for loans. After the review of the credit evaluation team instead of the review and approval of the branch, the efficiency of lending was greatly improved, and the villagers came to sign the contract directly and go through the lending process.

When the "Sunshine Credit" project in Huangqu Village entered the final stage, Ding Le rushed to the last pilot village in Huangqu Village with Zhang Maosheng and Fei Yang......

The "Sunshine Credit" project in the three pilot villages has been promoted, with a total of 320 "Sunshine Credit" credit customers, with a total credit amount of more than 20 million yuan. By the end of May, 80 percent of the farmers in Huaishu and Nanshan villages had taken out loans. Because Huangqu Village is late in advancing and is still in the publicity stage, it is expected that a large number of loans will be used in June.

The "Sunshine Credit" project has laid a solid foundation for the loan growth of the Taiping Sub-branch, and after the implementation of the three pilot villages, the loans of the Taiping Sub-branch have seen strong growth.