Chapter 291

The young and beautiful girl is also the organizer of an event. She has a good appearance and a good conversation. Such a person is popular everywhere.

Although this is not the age of beauty or justice, no matter who sees a beautiful girl, they are still willing to talk with her.

Qian, director of the city credit union, and Kang Ying soon opened a conversation. They talked about the phenomenon of farmers' difficulty in borrowing money.

"Yes, we have some loan projects to support agriculture. Not many farmers do not come here to apply for loans.

In fact, for the associated press, it is also a headache to issue loans and recover loans.

What the bank earns is the interest after granting the loan. If the money can't be released, the bank will have no profit. "

Director Qian has no secret about this layman, but Kang Ying has put forward a new idea at this time

"Director Qian, can you consider using micro credit? The funds need not be large. Each payment can be as little as three or five thousand yuan or as much as twenty or thirty thousand yuan."

"Microfinance?" After listening to this, director Qian had a little doubt in his eyes, and then said, "I haven't heard of this project, and other banks haven't started it yet."

"Don't you have funds for agricultural projects? I know that the reason why you are afraid to lend to farmers now is that they do not have collateral or collateral, so there is a dilemma. You want to lend, but you do not have enough conditions to apply for loans. The real poor want to borrow money, but they can't meet the requirements of your bank. You dare not lend money. Both sides are in a state of mutual need. "

"Yes, it is. That's the crux of our problem."

Director Qian nodded in agreement, and his interest increased greatly. He felt that Kang Ying also knew a lot about the work of the bank.

For men, the first thing they look at is the skin of the person they are talking to, but if they only have skin, it will be dull after a long time. If there is not only the skin, but also the connotation, it will stimulate the surging enthusiasm of the conversation.

"But in fact, the amount of loans for farmers' friends is often not very large. Thirty or five thousand yuan, ten to thirty thousand yuan, for them, is enough to support the development of agricultural production." Kang Ying said.

"Yes, but even if we make fewer loans, we need mortgage and guarantee to be able to do so." Director Qian said.

"Have you heard of the microfinance project in Bangladesh?

In 1976, Yunus carried out a micro credit experiment with 42 poorest farmers in a village of Bangladesh. After that, he gradually established Grameen Bank, the Rural Bank of Bangladesh.

Grameen Bank is completely a market-oriented commercial operation mode, and achieves rolling development through good enterprise management. At present, the bank has 2226 branches, 6.5 million customers, good asset quality, and the repayment rate is as high as 98.89%, more than any successful bank in the world.

Over the decades, Yunus' Grameen Bank has lent 6.39 million people, 96% of whom are women, so that 58% of borrowers and their families have successfully lifted out of the poverty line.

The most important thing is that Yunus achieved a win-win situation: the poor not only got rid of poverty, but also gained the dignity of being a human being. Yunus bank also obtained high profits, which can help more poor people with loans.

Therefore, the "Grameen" model is not only promoted in many underdeveloped countries and regions, but also borrowed from the United States, Canada, France, Norway and other developed countries

Kang Ying talked about it. Director Qian heard about this kind of project for the first time and couldn't help saying, "do you think this operation method is feasible in our country?"

Kang Ying then introduced to him the specific operation of this micro credit, saying: "take Xia Dashan in Guanshan village as an example. You can first organize a credit officer to investigate his credit investigation, and visit him to find out whether he has any illegal behavior, how he usually behaves and whether he has credit, so as to form a credit investigation report.

Finally, the credit rating should be used as a substitute for mortgage guarantee. According to his personal credit rating, a loan grade should be set. For example, those with a credit rating of 9 points can borrow 30000, those with a credit rating of more than 7 points can borrow 10000, those with a credit rating of more than 6 points can borrow 3000, and those with a credit rating of less than 5 points will not be granted a loan. "

This is actually a derivative product of the credit system of later generations, but now there is no way to use credit to evaluate a person.

At this time, if many people have the chance to go abroad, they will marvel at why foreigners are so trustworthy, pay taxes according to law, report traffic accidents truthfully, return credit cards in time, and so on. In a word, it comes down to the high level of civilization and literacy of foreigners.

In fact, it's not. Everyone's heart has bad roots. The reason why foreigners can honestly do these trustworthy things is that they have a perfect legal system and credit evaluation system waiting for them.

You have the courage to try not to return the credit card once: maybe next time, you can't use the credit card any more.

Moreover, in the future, if you look for a job, buy a house, apply for a loan for your children's school, etc., if you squander your credit, you may not be able to borrow money and find a job.

So it's not how high the quality and civilization of foreigners are, it's mainly their sound credit evaluation system and supporting laws, so they dare not touch the bottom line of credit.

Kang Ying knows that today's people don't have the concept that credit is money. She worries that after she says this theory, director Qian can't accept it. Unexpectedly, after listening to director Qian, he said in front of his eyes: "leader Kang, I didn't expect that I had been confused for a long time and found a way to break through the bottleneck here." Kang Ying was surprised to hear what he said and said, "director Qian, are you going to adopt the idea of microfinance?"“ This set of working ideas completely solved the contradiction between supply and demand between our bank's lending and loan application. After I go back, I will start to study a set of microfinance methods adapted to the actual situation here. However, the basic theory of the backbone must be derived from your introduction. " Director Qian's face was full of excitement. It seemed that he wanted to jump off the bus and go back to work. When Kang Ying saw this, she could not help feeling that it was really a hot era of reform and opening up. There were some people who were constrained by old terms, some conservatives who were afraid of their own interests being divided and didn't dare to break through the original self, but there were also reformers like director Qian who had a positive entrepreneurial enthusiasm“ Director Qian, can we talk about a preferential term with you? "“ Yes, you said Director Qian was in the mood. He agreed without thinking“ If your method really works, can you give more credit to our credit cooperatives and focus on supporting our tea farmers? " It's Kang Ying's idea, otherwise she would be too selfless.