Xu Haodong pointed at Chen Xiujie and said, "Junru, you have to ask Xiujie about this, I grew up in a military factory, and it is relatively closed. Xiu Jie is a native of Yunling, and he has more say than us about the business traditions of Yunling City. Xiujie, please teach us a lesson. ”

Chen Xiujie said: "According to the records of Yunling City, 8,000 years ago, our Yunling City was still a vast ocean. 6,000 years ago, due to the movement of the earth's crust and the sedimentation of tidal flats, it slowly turned into land, and it was not until 4,000 years ago that the current Yunling geography and landform were basically formed. According to the city chronicle, there were human activities in Yunling City, which should be the Spring and Autumn Period and the Warring States Period, and by the Han Dynasty, there were already human habitants. Until the beginning of the Ming Dynasty, Yunling City had a market town clearly recorded in the history books, which is now Bafang Town. ”

Therefore, the earliest town in Yunling City is Bafang Town, which has a history of more than 650 years, more than 370 years earlier than Chengguan Town, the predecessor of Yunling City. The predecessor of Bafang Town, Bafang Village, existed as early as the middle of the Tang Dynasty, so now Bafang Town is ranked 33rd among the top 100 ancient towns in the country, and the propaganda has a history of more than 1,300 years, which is grounded. As for the process of Bafang Village's evolution into Bafang Town, it is related to the fall of the Ming Dynasty, at the end of the Ming Dynasty and the beginning of the Yuan Dynasty, people fled from the north to Yunling and settled in Bafang Village, and Bafang Village gradually prospered. ”

According to records, Bafang Village, formerly known as Bafang Village, originated from the east of Bafang River, in the turbulent period at the end of the Ming Dynasty and the beginning of the Yuan Dynasty, a total of seven places of people fled to Bafang Village, plus the aborigines, just eight places of people gathered, and corresponded to the eight rivers, so it was renamed Bafang Town. In the middle of the Yuan Dynasty, there were more than 2,300 inhabitants in Bafang Town, which is a clear historical record, among which there were mainly 37 surnames and 53 families, respectively engaged in agriculture, fishery, animal husbandry, handicrafts, transportation and commerce, etc., among which there were 13 families with nine surnames such as Chen, Yang, Liu, Gao, Sun, Qian, Fang, Yuan, and Zhou. ”

"From the middle and late Yuan Dynasty to the early Ming Dynasty, these nine surnames and thirteen families did business throughout Dongjiang Province and other provinces, but gradually, there were families disappearing, and in the middle and late Ming Dynasty, only six families with the surnames Chen, Yang, Liu, and Gao remained. In the early Qing Dynasty, the two surnames of Liu Gao died out, and the three families of the Hong and Tang dynasties arose, coexisting with Chen Yang. Around the middle of the Qing Dynasty, the Yang family and the Tang family fell, and only Chen Yuhong's three families remained. At the end of the Qing Dynasty and the beginning of the Republic of China, the two families of Yu and Hong fell, and the three brothers of the Chen family only survived. In the thirties of the last century, the second eldest of the Chen family fell, and the third eldest of the Chen family also fell in the early forties of the last century, only the eldest of the Chen family moved to Southeast Asia at the end of the forties of the last century. Our current Chen's Trading Group Company in Yunling City is the descendant of the boss of the Chen family, and after nearly 350 years and a total of 15 generations of inheritance, it is still vibrant. ”

Descendants and the Chen family themselves summed up the reason for the longevity of the Chen family, which is the ancestral teachings left by the father of the third elder of the Chen family. The main business pays seven, the side business pays two, the industry pays one, earns seven out of ten, earns ten and stays two, and earns ten consumption one. These six sentences, twenty-four words, are the business ancestors of the Chen family. According to my personal observation and research, Chen's Trading Group is still following this business ancestral motto, not only adhering to it, but also deeply influencing the business culture of Yunling City, which is the key to the formation of Yunling City's commercial tradition. ”

Hearing this, Xu Haodong asked: "Xiujie, I've always been curious, your surname is also Chen, is your Chen related to the Chen family in Bafang Town?" ”

Chen Xiujie said with a smile: "It's really related, but it's a pity that I'm not the eldest of the Chen family, I'm the third of the Chen family." In our branch, after the forties of the last century, no one has been in business. Since the beginning of the last century, as the third branch of the Chen family, after separating from the family, we abandoned business and literature, and gradually became estranged from other clansmen. If you calculate carefully, the father of the third elder of the Chen family is the first generation, then Chen Teng, the current chairman of the Chen Trading Group Company, is the sixteenth generation, I am the fourteenth generation, I am only four years older than Chen Teng, but he has to call me uncle. However, it may be that the business blood flowing in the family is too strong, and the businessman is a little weak, and there is little contact between the Chen family. According to the statistics of relevant departments, the descendants of the Chen family have exceeded 30,000, tens of thousands in Yunling, 16,000 from other places, and 4,000 overseas. ”

Xu Haodong said: "It's not surprising that businessmen value profits, and love and righteousness cannot be put in the first place. Although this is a bit unreasonable, it may also be the core reason for the longevity of the Chen family. ”

Liu Junru asked: "Lao Chen, can you explain the 24-character business ancestral precept you just said?" ”

Chen Xiujie said: "The main business pays seven, the side business pays two, and the industry pays one, my understanding is the business direction, that is, the business principle that needs to be controlled when investing or expanding reproduction." The main business pays seven, that is, the investment in the main business accounts for 70%; The side business pays two, that is, 20% of the funds are invested in a variety of operations. Industry pay one, I have checked the relevant information, this word should refer to industry or the real economy, because the Chen family is engaged in trade, but later has been investing 10% of the capital in industry, the pursuit of self-production and self-sale of some goods. ”

"Earn seven out of ten, earn ten and stay two, earn ten and consume one, my understanding is the use of profits. Earning 7 out of 10 means that 70 percent is spent on expanding reproduction; Earn 2 percent of the earnings, that is, 20 percent of them are set aside as reserves; Earning 10% is 10% for your own consumption. All in all, these six sentences and twenty-four mean one thing, not to operate in debt, if you go further, it is to keep a hand when operating and prepare for failure. ”

Liu Junru nodded and said: "I finally understand now, why the enterprises in Yunling City have not had big ups and downs, neither got rich overnight, nor have they gone bankrupt quickly, the biggest feature is stability, small steps and slow walking, very warm boiled frogs." It is no wonder that the people in the bank say that there are very few bad debts and overdue debts in Yunling City, because enterprises rarely have long-term loans, and some only take temporary loans from time to time, because they themselves have a certain scale of reserve funds. ”

"Not only enterprises, but also those self-employed and wage earners, including farmers, have savings. Another feature is that the scale of housing loans and car loans is very small, and those who buy houses and cars like to use cash transactions. ”

Chen Xiujie said: "This is the case in society, and it also affects the concept of our government. For example, at the two sessions of the municipal people's congress and the CPPCC every year, the deputies to the people's congress and the members of the Chinese People's Political Consultative Conference (CPPCC) are most concerned about two figures, one is the fiscal deficit, and the other is the government debt. If there is a fiscal deficit or a government debt, the deputies and committee members will say that your government is not doing a good job, and if the deficit is a little too large or the debt is too much, the deputies and committee members will scold their mothers, and the title of loser will definitely not be able to escape. ”

Liu Junru said: "It is safe to operate without debt, but it is also conservative. However, from the perspective of Yunling City, this business strategy is correct. ”

Xu Haodong smiled and said, "Junru, you go back and study this problem slowly." Now, let's talk about the Provincial Department of Finance borrowing money from us, what do you think? What do other comrades think? ”