jM7XniumfY

July 5, cooperatives only loan officer Zhang Chengxun (left) to Wan Village receivables and and crew were engaged in small talk. Standing tall war foreland mouth cooperatives to create their own signage.
Text / piece the reporter Liu Yanpeng & nbsp; & nbsp; & nbsp; & nbsp; from the Rural Development Association to the rural mutual fund, to the introduction of the Nobel Peace Prize winner Muhammad Yunus' bank for the poor "model, specifically for providing small rural Ms. loans, high war in his rural hometown in Northern experiments have engaged in financial difficulties ahead for nine years, and now, in this experiment far beyond his original vision. Urbanization in China, many rural women left behind in this era was almost abandoned, and the high combat their efforts, not only to help them get financially independent, leaving them aware of their value in the family and society.
 
58-year-old town yaowan Xinyi City, Jiangsu Province, Zhang Ying Liu Zhaicun women, never thought there is such a "bank", dedicated to her credit such people: fifty years old, did not know a word. This spring, she was like a dream, and the village with five sisters went to the two million loan money, but also learned to write, solemn and easily when she signed his name on the credit contract, the husband was shocked.
 
And all of this, have benefited from a neighboring village that has long been out of the farm gate, has been indulging in rural livelihood reform experiment fellow man high war.
 
58-year-old woman for the first time to sign their names
 
These days, in several villages of the town yaowan Xinyi City, Jiangsu Province, more than 2,000 loans unified content and style of advertising plastered the streets of poles. Top with red characters read, "Women's loans", black small print is "monthly interest Bali three,ECHE28ifg3, a group of five people, weekly home collection."
 
"Monthly interest only Bali three, will not be for the next set, then compound interest, hire underworld to receiving it." July 6 pm, in the town of victory yaowan village, facing the site advertising, everyone you made me a language, "a special loans to women, so what might attempt."
 
But yaowan town Liu Wan Village Zhaicun and 10 women, but it has gained a tangible benefit. 58-year-old Zhang Ying (a pseudonym) is Zhaicun villager Liu, her husband in poor health, home, half an acre greenhouse leeks,hogan sito ufficiale, thanks to her three acres of fish ponds. "The more people shop the larger stalls, beautiful home can save a little bit slowly, I do not run to loans ah. Even this time, I also think that people can believe I have the right."
 
Speaking of Zhang Ying and four fellow villagers to borrow something, Xinyi Lu mouth ecological farming cooperatives president and loan officer Zhang Chengxun high war are deeply impressed, "They are humble farmer 5 people in the past had never loan money . "Zhang Chengxun said.
 
Received a loan application, cooperatives on their training five days. "Every training, everyone must sit in a fixed position, always sitting in the corner Zhang Ying at first, I let her sit on the special leave me closer." Zhang Chengxun said he knew Zhang Ying can not write,aM0Cw1T7PB, in training gap,HDF4FBb2a1, Zhang Ying taught alone write their own names.
 
"The first time to teach her to write, noticed her hand, just like the old willow bark. Five fingers tightly clutched the pen nib but kept shaking." Zhang Chengxun says may be true that
 
Grameen Bank --- poor
 
In 1979, Bangladesh economist Professor Yunus founded the Grameen (meaning "village") Bank, began to provide small loans to poor Bangladeshi women. Initially, Yunus took out from his pocket to lend $ 27 42 poor, Grameen Bank which is the first business; 30 years later, Yunus's microcredit has helped 6.3 million borrowers people (indirectly affect 3150 million), of which more than half of poverty, and the Grameen Bank has continued to remain profitable. 2006, "in recognition of their economic and social development efforts from the bottom of society," he and the Grameen Bank shared the Nobel Peace Prize.
 
Hands deep feelings, Zhang Ying learn every detail of writing, he is unforgettable.
 
When signing the loan contract, Zhang Ying and her husband had gone to the scene. "Her husband signing his words, are hesitating is signed on behalf of his wife or her thumbprint, this time Zhang Ying grabbed a pen from the hands of her husband,hogan, a painting to write his name. Like her husband found Like a secret, even to say hello a few times, 'You will write'? "
 
Loan through a bank transfer, women each loan application must have a bank account with their name card. "Wan Chen Village to the town bank to do cool card, the staff asked her: 'You do card dim, your home men have.' Loan used to hear the other side was surprised."
 
Later, the high war observed that 10 women in the home, there was a marked change in a glass of water before a husband to his wife, his wife would have immediately put down the living,hogan sito ufficiale, and now they will say, "When I was busy working," or to say " ah did not grow your own hands. "
 
All this war of nerves to stimulate a high, recalling his own livelihood improvement experimental villages in the north of the years, he has never been so close to always pursue their own ideals.
 
"This is not the bank's concept of the"
 
July 4, sitting just completed renovation of the office, talking about "the poor Grameen Bank," high combat conceal his excitement.
 
In 2002, the high-war graduate, returned to his rural home in northern Jiangsu, has in the house in the village and the official Dunxiang mouth village land to set up his home town yaowan Rural Development Association, eventually "in name only."
 
In January 2004, has set up a high-war "yaowan Town Farmers' Association Foundation for Poverty Alleviation", to the two villages over 400 farmers solution of the pressing need to help hundreds of migrant workers return home business. Because the war was high in Beijing, Guangzhou and other places of work, the Foundation services can only be entrusted to the village primary school principals have grams equal one quarter of escrow.
 
"Poverty Alleviation Fund was originally only for Sang village land port and two villages, they secretly put the money to lend to people outside the village; the provisions of the principal and interest must be repaid six months expired, not yet two years of plenty." High war that only by moral constraints and the influence of rural elites, the Foundation developed to a certain scale, will certainly be a problem.
 
In 2009, learned the high war of Bangladesh economist Muhammad Yunus' Grameen Bank "mode, which makes him suddenly.
 
By the end of 2010, registered a high war "Xinyi Lu mouth ecological farming cooperatives", with himself as chairman, began trying Yunus' Grameen Bank "mode.
 
"In the old model running, often to lend money to farmers, farmers earn money, but few would save enough principal and interest, one still on. This is not the farmer is not trustworthy, but their loan less money, cash flow quickly,scarpe hogan outlet, just a little surplus, farmers will be put into reproduction, such as repayment of the money is not. "high war concluded.
 
In the "bank for the poor" model, after an average of principal and interest, to repay week in and week, there are specialized loan officer on-site service, "This will not only earn money with a loan, principal and interest are also unwittingly also finished."
 
High war explained, on the surface, which is to provide an opportunity for women, but it is a very strong social function. "Some people say that the husband working away from home, you can not sign a contract together, do not lend money. We encourage spouses and family production. Otherwise, the child is half left-behind children, healthy growth is difficult. This is not the concept of the bank, or reconstruction The process of social order. "
 
In addition, team members also meet regularly to talk about the village's public affairs, to produce a public space, the formation of public opinion field, such as we believe in the village which opened a factory pollution is wrong, and that people who want to open a factory in the village have to seriously consider the formation of The opinion.
 
"Save so much money coming in, but less household loans"
 
July 5 is the repayment day of the week to see everyone to take the initiative to repay the old accounting very happy. After six months of running, getting old accountant agree with this new model, but he felt well enough, "because there are so much money coming in, but less household loans."
 
The beginning of the transition, the old model involved in creating veterans firmly opposed. Ji Ke Ping think: "pig slaughter it even three months, how could it weekly repayments, too perverse up."
 
Veterans who oppose unable to resolve, but the power of the new model has continued to appear. "After the advertisement posted out, the wife of a village officials say they want to borrow." When training, there are three women obviously not motivated, high war went three home visits. Where between a woman's husband inadvertently with the loan officer said that many industries to help her team leader at home, tens of thousands more will certainly have to play a loan.
 
"This is what we often encounter the specter of customers." High war said excitedly, all five team members to withstand the test of integrity, through visits to their family members, neighbors, and if they find a problem with a person, you can pull a string problems. Meanwhile, five members to participate in all the activities at the same time, so that the loan officer can prevent corruption.
 
Zhang Chengxun new transformation is now only a land port of cooperatives loan officer. Through the efforts of more than three months, his greatest achievement was the creation of two demonstration teams. But he still felt: "are received daily telephone consultation, both want it to set up a group, sometimes have personally screened out,36A4rFd45R, too tangled up."
 
"Now the development team really hard. I can come back on a regular basis, the loan officer a person is prone to frustration." Gao said war.
 
Despite the difficulties, but they each repayment Zhang Ying that rotten smile, or so high-war and deeply moved.
 
These days, too busy with Zhang Ying from the "poor banks' loan money to their own fish ponds dug greater. She felt more and more, with high war and his co-op support, compared to those in the village "capable", she would not be too bad.
 
Dialogue high war
 
I have to give myself on a "magic"
 
Qilu Evening News: You should have been out of the farm gate, why should return to rural areas?
 
& Nbsp; & nbsp; & nbsp; high war: This is from my grandfather talking about his great prestige in the village, respected. He told me that when he died, you grow up,aV2dQmW3g0, do not just think of themselves, have the ability to help others more.
 
Later in elementary school, I remember very clearly, textbooks say that by 2000, China will achieve the four modernizations, upstairs, downstairs,9EHyUky9to, lights telephone. In fact, by 2000, 10 years ago, I found the village doctor with a stethoscope is still available.
 
In 2002, I returned to the countryside, and the firm to go two routes: farmers seek political spokesmen; by the credit department of agriculture will promote farmer entrepreneurship.
 
Qilu Evening News: go down this road, sometimes not feel powerless?
 
High War: The biggest confusion is that, isolated, powerless. I think we are young, strong, educated, should stand up and save the countryside. I tried to find the same village had to go to college, or in the city has some successful people together to do something for the rural, but found not found.
 
Qilu Evening News: You want as many people to participate in the livelihood of rural reform experiments in the past?
 
High War: Yes,nike tn, but I hope we can have a certain economic base after coming back to the countryside to do something, just not in favor of blind devotion. After I graduated from college, the company opened two years after the study section, during which I earned millions. After reading the research, I think the money there, the theoretical basis and qualifications has also been, could not wait to return to the countryside. Those engaged in money as my test in rural funding.
 
Qilu Evening News: Why do rural cooperative financial public interest test, but apply to a business license?
 
High Wars: Under the current law,a4H6BwfjSv, only registered cooperatives registered in the business sector. Strictly speaking countries do not allow private and personal financial behavior, but we do is done within the framework of co-operatives, the leisure section of members can lend money to members through cooperatives need this platform, mutual funds, this can be profitable, All profits generated for public welfare, such as street maintenance fee, members free medical examinations.
 
Qilu Evening News: Mutual Fund your future, what kind of plan?
 
High war: the future Xichu may be achieved through e-commerce, is the use of "Grameen" standard household borrowing is responsible for screening, to make their information posters hung on the Internet, through a network of people who are willing to lend to this, you can put money directly hit farmers account, we manage the repayment.
 
In addition,JHSSA2hzSa, as the founder, first find a way to limit yourself. One of my friends to do the construction boss, their company has a position called the Quality Director. Articles of Association and the parties stipulated in the contract, has the right to dispose of any quality director quality problems. If the boss fired him by asking him to hide quality problems, he can get huge compensation. I think I must have as soon as possible on its own to a "magic."
 
Welcome to comment I want to comment
 Microblogging Recommended | today's hot microblogging (edit: SN026)