The year 1992 was a memorable year in China's modern history. Pen, fun, pavilion www. biquge。 info

That year, after several years of controversy over China's reform and opening up,* despite his advanced age, he embarked on his famous spring tour of the south, where he spoke frequently. People have noticed that this old man wants to use his influence to continue to promote the in-depth development of the country's reform and opening up. For a time, the wonders of "spring breeze and green southeast bank" quietly flourished in southern China, and various attempts to "cross the river by feeling the stones" were encouraged again. Even during their visits abroad, city leaders could not calm down and took advantage of the gap to rush back to organize the implementation of policies and measures for opening up. Speaking of this history, it is just like the famous song written by the SZ people:

In 1992, it was another spring,

There was an old man,

Write a psalm on the shores of the South China Sea,

There is a rolling spring tide between heaven and earth,

Raise the mighty sails on the journey.

The spring breeze blows green in the East China,

The spring rain has moistened the Chinese hometown.

Ahh

You have unfolded a new picture of a hundred years,

Fly into the spring of thousands of purples and reds.

Back then, when Comrade Xiaoping inspected SZ, the protagonist of this book, Wang Xianyao and Xia, had already come to work at SZ. At the cadre meeting of their respective work units, they listened to the "Speech of Comrade Xiaoping on the Southern Tour" compiled by the General Office of the Municipal Party Committee.

At that time, I had just come to SZ for more than a month in the summer, and after hearing Xiaoping's speech, my blood was boiling, and I felt that I had caught up with another opportunity period for SZ's development.

At that time, one of the missions given to SZ by the central government was to dare to break through, not to be afraid of failure, and to find out experience. As a result, all walks of life in SZ, such as industry, agriculture, domestic and foreign trade, and financial services, have been looking for their own breakthroughs in the cause of reform and opening up, and seeing what experiences they can try and sum up to contribute to the country's modernization drive.

In other words, although the financial industry of SZ was relatively developed under the umbrella of the People's Bank of China, although there were branches of national specialized banks such as industry, agriculture, China and construction, as well as SZ Development Bank and SZ branches of GD Development Bank and rural credit cooperatives. However, SZ's enterprises are coexisting with multiple ownership systems, and the uncertainty is greater, resulting in major professional banks grasping each piece and drawing a prison as a prison, and dare not break through. In fact, it is no wonder that professional banks are a little conservative, because they always have to strike a balance between innovation and security, between development and quality, while their existing customer base is maintained like a star.

In those years, the Industrial and Commercial Bank of China inherited most of its customers from the People's Bank of China, and it had a bit of a taste of "not being able to eat and walking around," and had a greater choice of customers; the Agricultural Bank of China had a geographical advantage, which was called "sweeping the dust on a wide field," and was not afraid that no one would pay attention to it; the Bank of China was a specialized bank in foreign trade and foreign exchange of the state, and in the field of international business, it was naturally the leading boss, and it was not afraid that people would not come; and the rest of the China Construction Bank, of course, also had a piece that it was familiar with -- the construction industry, but it was still a little underfed. As a result, they have taken a closer look at the newly established state-owned and municipal-owned enterprises, and have included them in the scope of their own credit business development, exchanging time for space, and constantly consolidating and improving the quantity and quality of customers. As a result, the tens of thousands of individual enterprises, various forms of true and false inline enterprises, foreign-funded enterprises, collective enterprises, and joint-stock enterprises that have gradually developed have become hot potatoes for all specialized banks.

This was the social condition under which the SZ collective financial enterprise arose.

People usually praise bravery with the first person who dares to eat crabs. Its practicality is not so deliberate, the ancient businessmen are all driven by profit, that is, the businessman himself said: "No profit can not be early". There is a saying that is clear: "There are people who do the business of cutting off heads, but no one does the business that is loss-making." Marx, a foreigner, seems to know this sentence, and he uses the inherent linguistic logic of Westerners to say: capital always flows in and out between the average rate of profit of society, and when the rate of profit of a certain industry is greater than the average rate of profit of society, there will be a lot of capital in this industry, and vice versa.

In fact, behind the capital stands a person, and this person has a pair of eyes staring. - That is why human society has developed to this day, there are telephones, televisions, airplanes, artificial satellites, manned spacecraft.

Of course, what kind of business is not as chic, natural and practical as doing money business. - That's a small opinion. Unfortunately, many people also think of a piece with the small ones. As a result, in SZ, financial service cooperatives and urban and rural credit cooperatives, financial enterprises in the form of collective ownership, are like Zhushan where it rains in the spring. Now, financial service agencies are springing up like mushrooms from the ground. ”

After more than a year, the people in the streets and alleys of SZ not only talked about stocks and news of SZ's construction as usual, but also privately talked about the deposit business of the financial service cooperative. Especially at a time when the stock market is like a roller coaster in a playground, depositing a deposit in a financial services agency is as reassuring as a fishing boat in a typhoon sailing into a safe haven. And the return given by the financial service agency is not low, usually as soon as the deposit arrives at the financial service agency, the profit of the deposit for a year will be sent to you.

"Depositing money in a financial services agency is enthusiastic, thoughtful, and rewarding, and it's really a no-brainer!"

Some people are full of respect for the loan business of the financial service cooperative, and they say: "Making a loan in the financial service cooperative, it is a pleasure! There is no need to ask grandpa to tell grandma, as soon as the deposit arrives, it will be done immediately." The same speed as the three-day one-story Shenzhen construction of the International Trade Building, this is the Shenzhen speed of SZ in the financial field!"

By the end of 1993, the number of financial service cooperatives had increased to about a dozen. In the name of the financial service cooperative, there are as many as five or six with gold letters. What: Golden River, Golden Dragon, Golden Tiger, Golden River, Golden Sea, Golden Phoenix. If you hear people talking about the Five Golden Flowers on the streets of SZ, don't mistake them for talking about the movie "Five Golden Flowers" made decades ago, when in fact, most of them are talking about financial services agencies.

Although the public has a good opinion of the financial service cooperative, it is not easy for people to eat in the financial service cooperative. It's not that the CEOs of financial service companies are unkind and make their employees look like people. First of all, it is difficult for financial services companies to take a slice of their cake and give it to their own mouths in the environment where SZ Bank is numerous. Secondly, "value shows existence", which is the only way for Shenzhen to become SZ: "You don't have any achievements? Okay, no one will say that yours is not, please continue to walk." "Over time, some people who work in financial service cooperatives can receive a salary of more than 100,000 yuan a month, while others only receive a few hundred yuan. However, no one said that it was unreasonable, especially those who received less money, when they received their salaries, they watched those people who carried more than 100,000 yuan in a garbage bag walk away, and then came to the financial room, hurriedly signed their name, took out and covered the hundreds of yuan belonging to themselves that were also contained in a garbage bag, and left quickly. This scene is as embarrassing and unsightly as covering the psoriasis that grows on your thighs - "Blame yourself for not having the ability! It's embarrassing to be here to make a living! You see, others are also using the same garbage bags for wages." Are you embarrassed to say that you have tens of thousands, hundreds of thousands, or hundreds of thousands in other people's garbage bags, and yours has hundreds of yuan? This is the result of the parents' lack of eugenics, and it is a shame to say it!"

Chinese are smart, and there is a saying that can become a portrayal of people's hearts: "There is nothing difficult in the world, as long as there are people with hearts." Another person said, "As long as the effort is deep, the iron rod can be sharpened into a needle." When a person thinks that the prospects of his life show "a road from ancient Huashan", he will have no distractions and concentrate on it. The employees of these financial services societies come from all over the country, and their creativity and dedication cannot be underestimated.

In less than a year, they have gone their own way, creating a set of business development models and customer attraction methods that are enough to share a share of the business with professional banks, which is really impressive to the world. Later, many business backbones of professional banks were not at ease working in professional banks, so they jumped to financial service cooperatives to become pioneers in talent flow, and competed with their old employers in financial service cooperatives to compete for customers.

The stories told throughout this book are actually related to money, and it can be said that it is an out-and-out money novel. What it says is: with Shenzhen Hubei Financial Services Society, a financial service cooperative before the takeover of the People's Bank as the core, and a little entrainment of several other financial service cooperatives, how to rack their brains to develop their business in the course of carrying out financial business, and then they were unable to continue and were full of dangers, and finally the People's Bank was acquired by them, and later, under the banner of the People's Bank, a series of events continued to occur.

It should be said that before the establishment of the special economic zone, SZ developed from a small fish village that was originally inconspicuous - to use a rural parlance, it was a remote place where wild dogs did not come to poop, and now it has developed into a big city that accommodates more than 10 million people, and there are indeed many stories of boiling people. Many gold diggers from all over the country return to their hometowns from time to time after their success, and return to their homeland where they once maintained their health with a spring breeze, and there are always endless stories of starting a business in SZ and the sights and stories of gold everywhere. This book, however, tells the story from another side that SZ's gold everywhere is the hard-earned money of the people of the whole country. At the same time, the reason why SZ can achieve today's glory is that the courage of the entrepreneurs of that year to "cross the river by feeling the stones" is indeed commendable, and it is true that the tuition fees paid are also very expensive.

As for the characters in the story, Xia Xia, Wang Xianyao, Zhuang Yu, Gu Dingli, Luo Yi, Shen Yifeng, Huang Lu, Qin Xianhong, Chen Jiao, Hu Hui, Bu Ding, Xu Donghai, as well as Yang Oran, Zhu Chier, Li Joining, Zhou Kaige, Li Yijian, Wu Weiwei, Huang Zhonghui, Ou Dalang, Zhong Ningfeng, Chen Lianping, Chen Shanwei, Shao Hua, Shao Min, Wang Laoji and many other characters, are they considered successful people who work hard in Shenzhen, or are they failures? Some people say that life is a play, and good or bad are the meaning of the topic. Some people also say that some people in a person's life are good in the past: maybe they have to be counted for a while, but in the future, they will eventually be pierced through the diorama, and it is inevitable that the evening will be sad; On the other hand, some people see that this is not smooth, that also hit the wall, and good luck often passes by themselves, but, looking at their lives, although they can not talk about flying Huang Tengda, glorifying their ancestors, but they will not leave a stench for thousands of years, fall into infamy, and sometimes even have the luck of losing their horses. In this way, if you want to taste the "stones of other mountains" of all sentient beings, it is still in the eyes of everyone. Okay! Then it's up to the magistrate to take a look at it for himself before drawing conclusions.

Well, the little ones don't stop you. Read on!