rebirth of change

When they came out of the Construction Bank, five people looked depressed.

"Tmd, these state-owned banking units are like uncles, with rigid thinking and perfunctory work." Sitting on a stone bench in the city square next to China Construction Bank, Chen Wenjie cursed angrily.

"The current government departments are almost like this. They are like dogs. They shout to serve the people all day long. There are a few people who really implement it. It's hard to get in, and their faces are ugly. It's not just a day or two." Chen Jundong followed with a disdainful snort.

"Chen Jundong, isn't your father also in the government department? Could it be that they are the same?" Ge Zihao asked.

"Tch, that's not it. The Pearl is much better. Even the government agencies there have a more open mind and a better sense of service. There is a difference in efficiency between the coast and the interior." Chen Jundong argued.

"Come on, where is not the same as where is now, even if it is a pearl, how much better it can be, today's experience is really touching." Tan Jian said with emotion.

"Looking at the sighs and sighs of each of you, isn't it just such a small setback? As for it? We have to admit that the reason why the coastal economy develops better is indeed related to the open-mindedness and open-mindedness of the local government and local cadres, apart from geographical factors. There is no doubt that the spirit of exploration has something to do with it. Otherwise, there would not be many places to communicate with coastal cadres. In any case, starting a business is difficult, how can we be intimidated by such a small difficulty and die down?" Chen Kangjie stood up and said to the four of them.

"Boss, what can you do, then go to the Bank of Communications? Agricultural Bank?" Chen Wenjie followed suit and stood up.

"Hmm, what's the matter? Don't want to go?"

"It's not that I don't want to go, it's just that I think the two banks may not have such vision and awareness." Chen Wenjie said with a troubled and painful face.

"Although we like to talk about point and point when learning many theories, we must not point to point, unless we have tried all the banks, otherwise we must not say such meaningless words. Even in the United States, which has a relatively good entrepreneurial environment , Entrepreneurs rarely find reasonable investors at the first shot, and some even succeed after experiencing many failures. We have to believe that what we are optimistic about and recognize does not mean that the whole world will follow. , we must also firmly believe that as long as your idea is correct, you will definitely find a Bole who recognizes it. It is impossible for everyone in the world to be stupid. Although we have suffered from industrial and commercial banks and China Construction Bank, who can be sure of other banks? Why doesn’t the bank have a smarter and more enlightened management? Don’t be discouraged, cheer up.” As a mature man with rich social experience, it is impossible for Chen Kangjie to understand society like them.

To survive in this society, if you can't change it, you have to adapt to it, otherwise you will be eliminated.

In fact, society is advancing step by step, and our process of adapting to society is actually promoting the development of society.Blaming others will never lead, and only those who adapt and change will succeed.

They haven't really stepped into the society yet, and Chen Kangjie hopes that they won't follow the crowd like others.Instead, you must have your own rational understanding, your own attitude and persistence.Complaining is always the behavior of the weak.

After Chen Kangjie said this, none of the four of them spoke anymore.

Next, Chen Kangjie and his group went to the Bank of Communications again. This time they had better luck, and finally "forced their way" into the president's office and met their president.

This president is also more restorative, and he didn't kick Chen Kangjie and the others out because they broke in without an appointment. It's just that they are really busy with work, so they only gave Chen Kangjie and the others 5 minutes to make a statement.

It is quite difficult to explain such a project clearly and clearly in 5 minutes, not only for the speaker, but also for the listener.

As the leader, such a task is of course represented by Chen Kangjie.

Chen Kangjie focused on the key points in a succinct manner, especially emphasizing that such a method has a great effect on promoting consumption and production, and it can also broaden the bank's profit channels.

"Oh, the risk of lending to individuals is very high, and the other party does not offer any collateral. According to the current social environment, there will be room for speculation for many people. Once a chain reaction occurs, our bank will leave a lot of room for speculation. A large amount of bad debts. Sorry, there is no such precedent in China, I think you should find someone else to try.” After listening to Chen Kangjie’s 5-minute explanation, the president immediately found a reason to refuse.

The current banks, not to mention lending to individuals for consumption, are lending to enterprises, and the focus is on state-owned enterprises. It is not so difficult for private enterprises to obtain financial support from banks.

It can be said that although the current banks are branded as "commercial", they are actually policy-oriented.

Why are they willing to lend to state-owned enterprises and lend to the government?Even if some enterprises obviously won't repay the loan, or can't repay it, they still have to borrow.The main reason for this is that the state-owned enterprises or the government have not paid the loan, and the bank does not need to bear much responsibility.Anyway, everyone is state-owned. Even if there are a lot of bad debts, it is easy to get rid of it financially, and the superiors will not pursue it much.

However, if the loan is given to individuals or private enterprises, once the funds cannot be recovered, the bank may get into trouble, and it is easy to get the top spot in the assessment of the superiors.

It is no exaggeration to say that almost none of the private enterprises that can obtain loans from banks is obtained through rent-seeking.To put it simply, no kickbacks, no bribes, no money at all.

In such a big environment, it is strange that Chen Kangjie and his team can get support for such a small project, and it is also a small-amount decentralized loan project.Especially in the inland areas where the thinking is generally closed and rigid.

Qianzhou's rapid economic growth in the past few years still mainly relies on investment, especially Chen Kangjie's investment.In the high-tech city, some reforms and adjustments have been made to the soft environment of economic development, but there are still deficiencies in the scope and scope.

It is a long-term and arduous task to transform government functions and increase government efficiency. There are some disadvantages accumulated over the years, and it is difficult to make effective changes without external shocks.

"President Li, for the risk, we already have relevant preventive measures that can reduce the risk to..." After finally meeting such a president who is willing to listen to their explanation, Chen Kangjie of course has to catch him.

For this project, Chen Kangjie completely put himself in the same position as Tan Jian and the four of them. He didn't immediately think of using the energy belonging to "Chen Kangjie". He is now Chen Wen. Success is another pride.Of course, if it still doesn't work in the end, Chen Kangjie will find Limin Bank to blame.

Limin Bank is his own bank, and Chen Kangjie only needs to call He Huideng, and everything can be done easily.Not to mention that this is still a profitable thing, even if it is a loss, He Huideng can still get the "authorization" from Ouyang Zhenhua at all costs.

It's just that President Li of the Bank of Communications doesn't have much interest in listening to their "nonsense".The reason why President Li didn't refuse or drive Chen Kangjie and the others out at the beginning was because of the face of fellow alumni.

President Li was one of the first batch of educated young people who entered the Qianzhou Institute of Finance and Economics after the country resumed the college entrance examination in 1978.

Their class of college students has been highly valued after ten years of disconnection from higher education.President Li also climbed from an ordinary bank employee to the high position of president.However, after so many years, especially after being a leading cadre for many years, President Li's enthusiasm for work and enthusiasm for learning have been deteriorating step by step.On the contrary, the bureaucratic consciousness gradually fermented and became stronger.

In terms of understanding, President Li didn't completely reject Chen Kangjie's ideas, and he felt that this matter was somewhat beneficial.However, he didn't want to take risks, and he didn't want to spend a lot of energy, manpower and material resources to do it.In a rigid system, it is easier to "shoot the top bird".

"I still have a meeting to hold, and I don't have extra time. If you have other ideas, you can go to the bank office to find Director Ge, and he will report to me then." President Li picked up the A document stood up.

People's attitudes have reached this point, what else can Chen Kangjie and the others do?

As for talking to Director Ge, Chen Kangjie never thought about it.He himself said that President Li was not very interested. After Director Ge knew about President Li's attitude, would he be more interested?Unless he's a simple-minded novice.It's just that it's impossible, a simple-minded novice can't be the office director at all.

Trying to figure out what you want is always the rule of survival for these people.

There was no way, the five dejected people had no choice but to leave the Bank of Communications.

"A few young people have great ideas, but your ideas are difficult to realize in the current environment, so I can't do it." After Chen Kangjie and the others left, President Li said to himself.

"Let's do this for today. I'm going to get off work soon. Let's continue tomorrow." Looking at the sky and his watch, Chen Kangjie said.

"Chen Wen, these state-owned banks are all officials. Why don't we go to a foreign bank? There are several foreign banks in the high-tech city. We can find Citigroup or HSBC." Chen Jundong made a suggestion.

"No, there are no relevant policies for foreign-funded banks at present. Their current focus is on wealth management and investment and targeting large enterprises. It is difficult for them to open business outlets, and the coverage is limited. The common people still have a certain degree of understanding and trust in foreign-funded banks. gap." Chen Kangjie shook his head.