When you hear the name Wulong in Chongqing, you will be attracted by "Impression of Wulong" produced by Zhang Yimou, not only because "City of Golden Armor" and "Transformers 4" were filmed there Waiting for blockbusters. What's more, there are the fascinating Fairy Mountain, a national 5A tourist resort, the breathtaking Tiansheng Bridge, a world natural heritage, the majestic and hilarious Furong Cave, and the karst sinkholes that listen to the heartbeat of the earth.
In such a beautiful place, it is unimaginable that it is actually a national-level deep poverty area. However, even in such a national-level deep poverty area, there is a group of ABC people who want to change the situation of poverty. They shoulder the sacred mission of serving "agriculture, rural areas and farmers". , sincerely sending the warmth of the party and the government to the hearts of the people. A satisfactory answer was handed in to the people. Among this outstanding team, there is a representative who has attracted much attention. When you mention his name, you will immediately think of our party's poverty alleviation project to get rid of poverty and become prosperous. He is the eye-catching Fu Xiaokang.
Fu Xiaokang was born in June 1972. Joined the army in December 1990 and joined the Communist Party of China in 1993. In April 1994, it was a spring when flowers were in full bloom. He retired from the army and joined the Agricultural Bank of China and worked as a cashier and accountant in a grassroots business office. Due to his hard work and outstanding performance, he was transferred to the Chongqing Wulong Branch of the Agricultural Bank of China in 1998 to engage in guarding, escorting and back-office work in the security department. In 2008, he was transferred to the personal finance department as an account manager. In April 2010, he was sent to the mobile service team of Fairy Mountain Town. From then on, he dealt face to face with the people in the mountains, and he worked there for nine years.
A few days after he was sent to the mobile service team in Fairy Mountain Town, he went to the Huangnipo team in Shiliangzi Village to conduct a basic situation investigation. He sat on a broken bench in front of the single-family house and There is a lonely old man named Pan Qizhou. Although the weather was very hot, the old man was still wearing a tattered cotton-padded jacket that he had worn in winter. From the miserable and helpless look in his eyes, it could be seen that the old man had no more clothes to change into. Not afraid of being laughed at, he unbuttoned his clothes and exposed his wrinkly and not sexy belly. Just to dissipate the heat, no beads of sweat appeared on the face covered with ravines. Not only were the seams on the sides of the Jiefang shoes on my feet loose, but the big toes also poked two big holes in the toes. Entering the house, I saw a simple bed set up with two benches, and the cotton wool in the quilt was all in clumps. Fu Xiaokang was thinking: How did this old man survive the winter? How will we survive the next hot day? Especially when he saw a few rancid potatoes in a rusty iron pot and heard the old man say they were his dinner, Fu Xiaokang felt a lump in his throat, a sore nose, and tears flowed out. The tears that fell suddenly washed his heart and purified his soul.
Unable to restrain himself, Fu Xiaokang handed over 200 yuan to the old man. With his hands trembling, the old man cried and said it was the biggest and most money he had ever seen in his life. Although the old man did not say thank you, standing in front of the door and watching Fu Xiaokang say goodbye was the old man's most emotional words. When Fu Xiaokang went to the old man's home full of thoughts for the second time, the old man had sadly left this world. Only the statue-like figure standing in front of the door has never left Fu Xiaokang's heart. He deeply feels that as an ABC employee, it is an urgent priority to quickly lift the people in the mountains out of poverty.
Everyone knows that when working in finance, things always go on like putting down the sheep's cross and starting the broom again. The survey on the basic situation of farmers in Fairy Mountain Town had just been completed, and before they could catch their breath, the bank's bad loan collection list was immediately issued to the mobile service team. Fu Xiaokang took the list and went to the Zhongliang Group of Longbaotang Village to collect the overdue loan of 30,000 yuan that Pan Shisheng took out in 2009 to grow medicinal materials. Because Pan Shisheng passed away due to a sudden illness in 2010, his wife Deng Wensu, who had three children with her, was mentally and physically exhausted. Her family life fell into an extreme dilemma, and she was completely unable to repay the principal and interest on the loan. In order to collect the loan, Fu Xiaokang went to her home, and Deng Wensu burst into tears when she saw him.
The children didn't know what was going on. Maybe they thought he was a bad guy. They were crying in fright, hugging their mother's legs, and trembling with fear. Deng Wensu, who has lost the mainstay of his family and is semi-penniless, will have the money to repay the loan? In addition, the eldest of the three children is only 8 years old and the youngest is less than 2 years old. The children want to eat when they open the door. They complain every day that they don’t respond and complain that the earth and the earth are not working. Earn money to pay it back later.
After seeing such a miserable situation and hearing such heart-wrenching words, if you still have the heart to collect loans, how can you still be a human being? Fu Xiaokang no longer wanted to talk about loan collection. He was just thinking that if the loan was overdue, besides collection, was there any other way to resolve it? He suddenly remembered the word "invigorating" and wanted to make a fuss about these two words. So he went to Deng Wensu's house many times to learn about the situation. In addition to giving money and gifts to care for her, he also bought candies for the children. Gradually, the three children also became affectionate to him, always calling Uncle Fu affectionately from behind his knees. He seemed to be the backbone of their family, and the family always looked to him to help figure out a way out of trouble. Fu Xiaokang saw from his family's forest rights certificate that there were 30 acres of barren hills. In the past few years, he took out loans to grow medicinal materials in order to make his family rich. Since Pan Shisheng died without management, and Deng Wensu had no skills, the barren hills were still barren hills with no value at all. Therefore, he wanted to find a boss with medicinal planting technology to transfer the barren hills, continue to plant medicinal materials, and find a way out by revitalizing the resources of the barren hills. Not only to recover the loan, but also to allow the family to live a normal and viable life.
Fu Xiaokang asked Deng Wensu for advice. She said that as long as someone gave her ten thousand or twenty thousand, she would agree to transfer the barren hills. In July 2013, Fu Xiaokang attracted Hu Yun, the owner of the medicinal planting village, to transfer the barren mountain for 52,000 yuan. At the same time, it was also agreed that Deng Wensu would be allowed to manage the barren hills where medicinal materials were grown, and that he would be paid a fixed salary of 6,000 yuan per year.
By turning waste into treasure, the overjoyed Deng Wensu thanked Fu Xiaokang for helping her transfer money out of Barren Mountain several times beyond her expectations, and also found her a job at home, so she hurriedly took out 30,000 yuan to return the overdue money. Sluggish loans. From then on, Deng Wensu's family came out of despair and ushered in the dawn of hope.
By working in villages and households, Fu Xiaokang saw that there are still many poor households like Pan Qizhou and Deng Wensu. Giving them a few hundred yuan or a bag of rice cannot completely solve the problem. Seek long-term solutions and provide effective planning. That is to use loans to support talented people who take the lead in getting rich, and develop projects to lead everyone to get rich together. In December 2012, Luan Bo, who lived in the Tongba Group of Guantan Village, wanted to borrow money to finance his business of hauling gravel for a construction boss. As we all know, in those days when real estate was extremely popular, you would make a lot of money if you fell down. Lugging gravel for a real estate owner is a business that only makes money but does not make a loss. Fu Xiaokang gave Luan Bo a small farmer loan of 50,000 yuan, and soon found a pot of gold. One day, Fu Xiaokang went to his village to investigate the development of rural industries. He accidentally saw piles of red sweet potatoes rotting in the ground in every household. He thought of the days when he was young and lacked food and clothing, and he felt bad in every way. This is all food! Why don't you try to get it out and sell it for money? Is everyone’s life extremely rich? The villagers said that after harvesting so many red potatoes, the pigs couldn't eat them, so they sold them out for a low price, leaving them with no food except rice dumplings. He was really an "old shell of a monk - he didn't get the Dharma", so he had no choice but to watch the red sweet potato rotting in the ground. Fu Xiaokang went to Luan Bo's house and asked him, could he collect the red sweet potatoes and set up a vermicelli processing factory? It was really hard for him to bear to watch the food rotting in the ground. Luan Bo, who is extremely enterprising, said that was exactly what he meant. After calculation, in addition to its own funds, there is still a funding gap of 100,000 yuan. In order to comfort the pain of past poverty and to prevent food from rotting in the ground, Fu Xiaokang loaned Luan Bo 100,000 yuan to start a vermicelli processing factory. Seeing that the red potato was being effectively used and producing value-added economic benefits, Fu Xiaokang's heart aching for food was comforted.
In 2015, the Party Central Committee proposed to carry out a poverty alleviation project. Fu Xiaokang was thinking about not only allowing farmers to sell their red potato to achieve good returns, but also to use Luan Bo to drive things to do at home.
On the basis of Luan Bo's self-raised RMB 800,000, he borrowed another RMB 200,000 to establish Wulong District Luan's Food Co., Ltd. Through the purchase of machinery, the production scale was expanded to 3.5 tons per day and the company became a leading enterprise with an annual operating profit of over 1 million yuan. It has provided employment for more than 40 villagers, including 8 people from poor households and 2 people with disabilities. In February this year, Luan Bo was planning to invest 2 million yuan to expand production scale and plan to solve the problem of left-behind labor force of more than 100 people. At the same time, 60% of the shares were allocated to attract villagers to participate in the company, which not only allowed the villagers to obtain working income without leaving the village, but also allowed them to turn from ancestral farmers into shareholders overnight.
Now Luan's vermicelli has become a best-selling agricultural and sideline specialty product in Wulong District. The supply exceeds the demand and there is a vast sales market, especially in Chongqing's hot pot market. The number of orders for reservations reaches more than 600 tons. .
As we all know, Wulong District is a major tourist area. In midsummer, more than 400,000 people come to Fairy Mountain to escape the summer heat. Although outsiders are ecstatic, there are also mountain people who think this place is a barren place and want to escape from the mountains. This is the case for the five households in Dream Valley in Taoyuan Village. This Dream Valley used to be called Quejituo. It is surrounded by mountains and has only a small mountain pass to enter and exit. If there is a small river that can be used for boats, it will really be the Taoyuan Garden in Taoyuan Village. The place not only has beautiful scenery, but also has rows and rows of metasequoias planted by forest farms decades ago, all showing a beautiful western style. The morning mist is like smoke, and the colorful clouds are like a dream, so it is called Dream Valley by travelers who camp here, and they went to Baidu to get the name. With such good ecological natural resources, why should we give up and escape from the mountains? Why not set up a farmhouse to provide services for people who come here to travel and earn income for yourself? In July 2010, Fu Xiaokang held talks with five households including Zhang Chaokui and Lu Chunyan. He hoped that they would take a long-term view and immediately increase their income and start a farmhouse, and agreed to provide each household with a loan support of 30,000 yuan. After receiving the loans, the five villagers took care of their houses and started running farmhouses in an original style. After they became rich, they all bought houses in the city and lived a dreamlike life that city dwellers dare not compare with them. They went down to the mountains for leisure in winter and went up to the mountains to enjoy the coolness in hot weather to make money.
Fu Xiaokang has supported 110 farmhouses like Dream Valley, providing more than 30 million yuan in loans and providing employment to more than 500 farmers. Among them, 25 farmhouses have been developed for poor households, providing employment for more than 150 people.
With the upgrading of Wulong’s tourism industry, the boost to consumption is self-evident. In the Dongjiawan Group of Shiba Village, Fu Xiaokang saw two old people living a life of dependence on each other. I thought they were two lonely people like old man Pan Qizhou. Unexpectedly, the old man said that he had a son working in Xinjiang to grow cotton, and his life was as warm as cotton wool. Only during the Spring Festival would he take his wife and two grandsons home to visit him. As they are getting older and both are sick, the two old people always want their son to come back and be by their side. In today's rural areas, the support of the elderly has become a serious social problem. Children who are struggling for life outside are often unable to maintain both loyalty and filial piety. Not only do the elderly suffer from three illnesses and lack care, but there are even cases where the elderly die at home without anyone noticing for several days. So Fu Xiaokang deliberately asked the old man what kind of industry could be developed here, and the old man said that it was very suitable for raising cattle. As soon as the words came out of his mouth, a cow brayed in the pen, which gave him an idea: why not let the old man's son go home to develop the breeding industry and start a cattle breeding project. This not only provides ecological beef cattle consumption for tourist groups, but also allows them to return to the elderly to fulfill their loyalty and filial piety. In addition, large areas of land can be transferred to grow grass, so that villagers can obtain income from land transfer. This thing of killing two birds with one stone must be done. Fu Xiaokang contacted the old man's son He Younan many times, and He Younan finally returned home in 2013. After spending 300,000 yuan of his own capital to build a 500-square-meter cattle farm. In order to buy fodder, Fu Xiaokang loaned him 20,000 yuan as working capital and raised ten cows in advance. Then, a further loan of 500,000 yuan was provided to support the transfer of 200 acres of mountainous land for grass planting and the purchase of Ximen Big-ear breeding cattle. There are now more than 100 beef cattle on hand, with a value of more than 2 million yuan.
In order to comprehensively do a good job in "agriculture, rural areas and farmers" in mobile services, he founded the "Fu Xiaokang Studio". Fu Xiaokang used his selflessness and perseverance to build it into a picture on Fairy Mountain. Glitter business card.
In addition to the above-mentioned incidents, he also used his heart and soul to lend money to support Miao Chuanhai, a large planter who started from scratch, Zhang Xiaochuan, an ecological and environmentally friendly pig farmer, and "Women Entrepreneur" who was commended by the country for his continuous development of bamboo shoots. Hero" Xiao Yumei. There are also hundreds of agricultural production and operation households. According to statistics, he has handled more than 2,300 small-amount and rural production and operation loans to serve "agriculture, rural areas and farmers", with a loan amount of 230 million yuan, without a penny of sluggishness or non-performing money.
Money, bad loans, and good grades make you rich. Since there are "ancients" before us, why can't there be "comers" behind us? Since Fu Xiaokang issued the first loan to the villagers on Fairy Mountain, he has kept his dream in his heart: he must be the Rao Caifu in the future, a new era of Rao Caifu. He finally did it. Fu Xiaokang lamented what Jack Ma said, "People must have dreams, just in case they come true." He said that if everyone wants to be rich and talented one after another, then hurry up and dream! And we must keep in mind the "three threes" work method he summarized and put it into practice. That is to say, there are three things to avoid in pre-loan investigation: first, never go through the motions in customer investigation; second, never be careless in data collection; third, never neglect character understanding. Three aspects of post-loan management must be in place: first, on-site inspections must be in place; second, follow-up inspections must be in place; and third, maturity notices must be in place. There are three ways to mitigate risks: first, to collect with all your heart without fear of difficulties; second, to collect with force with the help of the law; and third, to collect with compassion and sincerity.
In addition, Fu Xiaokang also said that he should talk to the people and make friends, seek knowledge and pain with the same spirit, and work together to help achieve a well-off society. He often said to himself that if the people on Fairy Mountain do not get rid of poverty and become prosperous, he will not be Fu Xiaokang! Therefore, when lending to support “agriculture, rural areas and farmers”, he does not blindly focus on getting back the loans after they are released. Instead, it pays more attention to providing intellectual support and using policy guidance to develop modern agriculture, ecological agriculture and tourism agriculture in a combined and group-based manner. While fully activating farmers' means of production, we strive to increase the added value of agricultural and sideline products and strive to increase the people's income and become rich. As long as the people get benefits from loan support, and as long as they use true feelings and love to protect them and live a well-off life, then the virtue of integrity that "borrowing debts and paying back money is a matter of course" will erupt from the hearts of the people. Not only can they repay their loans on time, but they will also remember the Party’s kindness and their deep love for the Agricultural Bank of China forever.