Since the barriers between men and women in India are not as perverted as in the Middle East, unlike women's banks in the Middle East, one-third of the employees in women's banks in India are men, while the other two-thirds are all women; In addition, men can also go to women's banks to handle business, but they can only make deposits, not loans, and loans are the privilege of women. Pen "Fun" Pavilion www.biquge.info

Headquartered in the capital, New Delhi, the All India Women's Bank opened its first seven banks in major cities such as Mumbai, Kolkata and Chennai. The opening date was chosen on November 19, 2004, because it was the birthday of Indira Gandhi, who had served as India's prime minister twice and was known as the Iron Lady of India, and the opening ceremony was attended by Congress President Sonia Gandhi and Finance Minister Chidambanam. It can be seen that both this special opening day and the attendance of the leaders reflect the importance that the Indian government attaches to the establishment of the country's first female bank.

In fact, these seven women's banks have been operating very well after opening, and they thought that the first three years were only used to cultivate customers and not consider profits, but the actual effect was very good, so soon the second batch of women's banks will also open, and this time it will definitely not invite heavyweight guests like Sonia and Chidambanam, so Priyanka, who is already a well-known woman and has just attracted attention on TV recently, has become the most suitable guest candidate.

Priyanka naturally would not refuse such a social activity, and even invited Shakru to go with him, but Shakru felt a little awkward, so he said: "The opening of this women's bank, it is not suitable for me to go as a big man." ”

Priyanka frowned, and said unhappily: "What? Mr. Pandit, you also discriminate against women? ”

Shakru waved his hand again and again: "This is absolutely not, I have always insisted on equality between men and women, and the proportion of men and women in my senior staff is about the same." Shakru is telling the truth about this, because after all, he came from China, where men and women are basically equal, and the prevalence of feminism in China is really not comparable to that of other countries, let alone India.

In fact, in Shakru's view, although one of the purposes of opening a women's bank is to improve the status of women, the fact that women's banks themselves mean that the status of men and women in this country is unequal, otherwise why set up this thing, why can't women enter where men can enter?

"Since you also support equality between men and women, why don't you come with me?" Priyanka asked.

Shakru said helplessly: "Okay, I can go with you, but at least I have to receive an invitation, right?" I can't just ask to go on my own, can I? ”

Priyanka nodded with satisfaction, "Don't worry, I'm sure they can't ask for a business tycoon like Mr. Pandit." ”

As it turned out, Priyanka was right, and when the manager of the women's bank learned that Mr. Shakru Pandit, a well-known pharmacist and movie mogul in New Delhi, was also interested in attending the opening ceremony, he was overjoyed and immediately sent someone to his office to send him an invitation letter respectfully.

So on the 19th of the same month (although it can't be opened every time it opens on November 19, Indira's birthday, but at least on the 19th, Shaklu joined Priyanka in the unveiling of the Yamuna branch of the All India Women's Bank (Yamuna is the name of a river east of New Delhi).

After some understanding, Shakru found that the reason why this female bank has developed so well is really unique in its operation.

First of all, the threshold for opening an account here is extremely low, only 100 rupees (about 1.6 US dollars) can be opened, and other banks of the same size often require a minimum of 10,000 rupees per depositor. From this point of view, all banks in China can open an account for one yuan, which is considered very happy.

Then there is the pension insurance business, many low-income people only have 100 rupees per month pension insurance income, such a trivial and complicated business other banks are unwilling to do, because the income is low and very troublesome, so the women's bank has played a unique care and patience of women, this business to take over, in solving the low-income pension insurance at the same time, but also harvested a lot of deposits.

Even the "Women's Bank" plays the role of an educational institution – where staff not only provide financial services to illiterate or marginalized women, but also help them open accounts and teach them how to make money. Currently, the bank also plans to provide small-scale entrepreneurship services to more than 5,000 women and give them financial support.

This support is mainly reflected in the loan aspect, "Empowering women is our vision. We strongly believe that this support and guidance will help women become financially independent. We offer extremely low-interest loans to women who are interested in starting a business, and thousands of women have benefited from this service since its launch. Branch manager Baraha said. We have lower interest rates compared to other banks. She added.

In this regard, depositors have come forward to speak, and the 42-year-old Teresana Neog is deeply touched by the efficiency of the bank. She had twice taken out loans from the bank, each time getting cash quickly and never in trouble. Today, Neog runs a small livestock farm that earns 15,000 rupees (US$241) a year. Her husband runs a small tire shop, and Neog can even support him financially.

The loyal customer of the "women's bank" said: "I never knew that there was a loan, let alone that the financial business was so easy. My life completely changed after coming into contact with this bank. Today I know how to save, how to deal with banks, how to take advantage of bank loans. She even plans to use it to expand her farm business by taking out a larger loan after paying off her existing loan.

Originally, Shakru thought that this was an ordinary social activity, but what he never expected was that this incident actually caused him considerable trouble!

ps: In fact, I have always thought that the banking industry is a very interesting industry to write, and last year I also opened a book on the theme of bank owners, but unfortunately the results are very unsatisfactory, less than 100,000 words on the eunuch, probably because of the problem of the era I chose, everyone prefers to see the military power in the Republic of China, resist Japan and save the country, it seems that it is not very acceptable to accept the route of industrial salvation. (To be continued.) )