Such a beautiful place, I never thought it was still a national-level deep poverty area. However, it is in such a state-level deep poverty area that there are a group of ABC people who want to change poverty. They shoulder the sacred mission of serving agriculture, countryside and farmers. Their long-term love for the people is for the benefit of the people, and they sincerely send the warmth of the party and the government to the hearts of the people. I handed in a satisfactory answer to the people. In this excellent team, one representative has attracted much attention. Speaking of his name, he will immediately think of the poverty alleviation project of our party to get rid of poverty and become rich and well-off. He is the striking Fu Xiaokang.
Fu Xiaokang was born in June 1972. /kloc-0 joined the army in February, 1990, and/kloc-0 joined the China * * * production party in 1993. 1April, 994, is the spring when all flowers are in full bloom. He retired from the army and worked in the Agricultural Bank of China, where he worked as a cashier and accountant. Because of his hard work, he was transferred to Chongqing Wulong Sub-branch of Agricultural Bank of China from 65438 to 0998, and worked backstage in the security, escort and security departments. In 2008, he was transferred to the personal finance department as an account manager. On April 20 10, he was sent to fairy mountain town mobile service group. Since then, I have been in face-to-face contact with people in the mountains for nine years.
It was a few days after he was sent to fairy mountain Town Mobile Service Group. He went to Huangnipo Formation in Zicun, Liang Shi to make a basic investigation. On the broken bench in front of the single-family house, there sat a lonely old man named Pan. Although the weather is very hot, the old man still wears the worn cotton-padded jacket since winter. I can see from those sad and helpless eyes that the old man has no clothes to change. Not afraid of jokes, he unbuttoned his buttons, revealing a wrinkled and sexy belly. In order to dissipate heat, there is no sweat on the vicissitudes of life full of gullies. The side of the liberation shoe on the foot is not only stitched off, but the big toe also pokes two big holes in the toe. When I entered the room, I saw two benches, a simple bed, and the cotton wool in the quilt became lumps. Fu Xiaokang is thinking: How did the old people come over in winter? What will happen in the next hot day? Especially when I saw a few rotten potatoes in the rusty iron pot and heard the old man say that this was his dinner, Fu Xiaokang's throat was sore and his nose was sour, and tears flowed out. The falling tears washed his heart and purified his soul.
No way, Fu Xiaokang handed the old man 200 yuan. The old man shook his hands and cried, saying that this is the biggest and most money he has ever seen in his life. Although the old man didn't say thank you, he stood in front of the door and watched Fu Xiaokang leave. This is the most emotional language of the old man. When Fu Xiaokang went to the old man's house for the second time, he left this world sadly. Only the statue-like figure standing in front of the door has never been disillusioned from Fu Xiaokang's heart. He deeply felt that, as a member of the Agricultural Bank of China, the urgent task was to help people in mountainous areas get rid of poverty quickly.
As we all know, in financial work, things always go on like putting down the fork and sweeping the broom. The survey on the basic situation of farmers in fairy mountain Town has just ended, and before I could catch my breath, the list of non-performing loans collected by banks was immediately distributed to the mobile service group. Fu Xiaokang took the list to Zhongliang Formation in Longbaotang Village and received the overdue loan of 30,000 yuan borrowed by Pan for planting medicinal materials in 2009. 20 10 Due to Pan's sudden illness, his wife Deng Wensu, with three children, was exhausted physically and mentally, and her family life was in an extremely difficult situation, unable to repay the principal and interest. In order to collect the loan, Fu Xiaokang went to her house, and Deng Wensu cried when he saw him. Some children don't know what happened, maybe they think he is a bad guy, crying with fear, holding their mother's legs and trembling with fear. Deng Wensu, who lost his pillar, has no money at home. How can he get the money to repay the loan? In addition, three children are only 8 years old, and the youngest is less than 2 years old. As soon as the child opens the door, he wants to eat, and every day he shouts, don't do this. They called the invalid Deng Wensu and cried that they could repay the loan and there was no way to raise it. The child won't want to make money until he grows up.
Seeing such a terrible situation and hearing such worrying words, if you still have the heart to collect loans, how can you be a man? Fu Xiaokang has been reluctant to talk about collecting loans. He just wondered, besides collection, is there any other way to solve the overdue and sluggish loans? He suddenly remembered the word "revitalize" and wanted to make a fuss about it. So I went to Deng Wensu's home many times to understand the situation. Besides sending money and things to take care of him, he also bought candy for his children. Gradually, the three children became affectionate to him, always affectionately calling Uncle Fu behind his knees. He has vaguely become the backbone of their family, and the family always hopes that he can help them figure out a way out of trouble. Fu Xiaokang saw that there were 30 acres of barren hills on their forest right certificate. A few years ago, he made a fortune by borrowing medicinal materials. Because no one cares about Pan's death, Deng Wensu has no ability, and the barren hills are still barren hills, which have no value at all. So, he wanted to find a boss with medicinal planting technology to circulate the barren hills, continue to plant medicinal materials, and seek a way out by revitalizing the barren hills resources. Not only should we recover the loan, but we should also let our families live a normal life.
Fu Xiaokang asked Deng Wensu for advice. She said that he would agree to transfer the barren hills as long as someone gave him ten or twenty thousand yuan. On July 20 13, Fu Xiaokang invited Hu Yun, the owner of the village where medicinal materials were planted, to transfer the barren hills for 52,000 yuan. At the same time, it is also agreed that Deng Wensu will manage the barren hills where medicinal materials are planted, with a fixed salary of 6,000 yuan per year.
Turning waste into treasure, Deng Wensu, who was overjoyed, thanked Fu Xiaokang for moving out of the barren mountain several times as much as she expected, and found her a job at home, busy paying back 30 thousand yuan and returning overdue and sluggish loans. Since then, Deng Wensu's family has come out of the corner and ushered in the dawn of hope.
Through working in the village, Fu Xiaokang saw that there were still many poor households like Pan and Deng Wensu. Sending them hundreds of dollars or a bag of rice can't completely solve the problem. We must seek a long-term solution and give an effective plan. That is to use loans to support talents who take the lead in getting rich, and develop projects to drive everyone to get rich together. 20 12 12 Luan Bo, who lives in Tongba Formation, Guantan Village, wants to get a loan to solve the working capital of transporting stones for Sarah, the construction owner. As we all know, in the days when real estate was extremely hot, a lot of money was picked up when it fell. Shipping stones to real estate owners is a money-making business. Fu Xiaokang gave Luanbo a small-scale peasant loan of 50,000 yuan and soon found a bucket of gold. One day, Fu Xiaokang went to their village to investigate the development of rural industry and accidentally saw piles of sweet potatoes rotting in the ground. He remembered the days when he was short of clothes and food when he was a child, and his heart was full of different flavors. This is all food! Why not try to sell it? Is everyone's life rich? The villagers said that pigs can't eat so many sweet potatoes, so they pull them out and sell them at a low price. There is nothing but rice crust. It's really "the monk's old shell-I can't take it off", so I have to watch the red peony rot in the ground. Fu Xiaokang went to Luanbo's house and told him if he could put away the red peony and set up a vermicelli processing factory. It is really unbearable for him to see food rotting underground. Luan Bo, who is very enterprising, said that he had this intention. It is estimated that in addition to its own funds, there is still a funding gap of 654.38 million yuan. In order to comfort the pain of poverty in the past and prevent food from rotting in the ground, Fu Xiaokang lent Luanbo 65,438+10,000 yuan to set up a vermicelli processing factory. Seeing that Polygonum multiflorum Thunb has been effectively used, it has also produced value-added economic benefits, and Fu Xiaokang's experience of being distressed by food has been comforted.
20 15 the Central Committee of the Communist Party of China proposed to carry out poverty alleviation projects. Fu Xiaokang is thinking about not only selling farmers' sweet potatoes to get good benefits, but also doing something at home through Luanbo. On the basis of 800,000 yuan raised by Luanbo, Wulongluan Food Co., Ltd. was established with a loan of 200,000 yuan ... By purchasing machinery, the production scale was expanded, the daily production capacity was 3.5 tons, and the annual operating profit was more than 6,543,800 yuan. There are more than 40 employed villagers, including 8 poor households and 2 disabled people. In February this year, Luan Bo is planning to invest 2 million yuan to expand the production scale, and plans to solve the problem of 100 left-behind laborers. At the same time, taking out 60% of the shares to attract villagers to buy shares will not only enable villagers to earn income from working without leaving the village, but also enable them to become shareholders from their ancestors overnight.
At present, vermicelli in Lu 'an has become the best-selling agricultural and sideline products for tourism packaging in Wulong District, which is in short supply and has a broad sales market, especially in Chongqing's hot pot market, with a booking volume of more than 600 tons.
As we all know, Wulong District is a tourist area. In midsummer, more than 400,000 people come to fairy mountain to enjoy the summer and cool off. In the ecstasy of outsiders, some villagers think that they are in a barren land and want to escape from the mountains, just like the five villagers in taoyuan village Dream Valley. This dream valley used to be called Quelituo, surrounded by mountains, and only a small mountain pass can pass in and out. If there is a river with a boat, it is really the Peach Blossom Garden in Taoyuan Village. That place is not only beautiful, but also a row of drainage fir planted in the forest farm decades ago is full of beautiful western customs. The morning mist is like smoke, and the rosy clouds are like dreams, so it is called Dream Valley by the donkey friends who come here to camp, and it is named after Baidu. Such a good ecological natural resource, why give up and escape from the mountains? Why not start a farmhouse to provide services for people who come here and earn their own income? On July 20 10, Fu Xiaokang approached five villagers, including Zhang Chaokui and Lu, and hoped that they would take a long-term view, increase their income and run a farmhouse, and agreed to lend 30,000 yuan to each household. After getting the loan, five villagers took care of the house and started a farmhouse. They got rich, bought houses in the city, and lived a fantastic life of going down the mountain for leisure in winter and going up the mountain to enjoy the cool in hot weather to earn money.
The well-off society has supported 1 10 a farmhouse like Dream Valley, with a loan of more than 30 million yuan, which has solved the employment of more than 500 farmers. Among them, 25 poor households have developed farmhouse music, which has solved the problem of employment 150 people.
With the upgrading of Wulong tourism, the boost of consumption is self-evident. In Dongjiawan Formation of Chaiquan Village, Fu Xiaokang saw two old people living together. I thought I was two lonely people like Pan Zhouqi. Unexpectedly, the old man said that his son grew cotton in Xinjiang and his life was as warm as cotton wool. Only during the Spring Festival did he take his daughter-in-law and two grandchildren home to have a look. With the growth of age and the aggravation of illness, the two old people always want their son to come back and stay with them. Nowadays, the problem of supporting the elderly in rural areas has become a serious social problem, and children who work hard for their lives outside the home are often unable to be loyal and filial. Not only do the elderly with three illnesses and two pains lack care, but even the elderly have died at home for many days without anyone knowing. Therefore, Fu Xiaokang specially asked the old man what industry he could develop here, and the old man said it was very suitable for raising cattle. When' tis once spoken, Niu Jiao's voice in the circle gave him an idea: Why not let the old man's son go home to develop aquaculture and start a cattle raising project? This can not only provide tourists with ecological beef consumption, but also repay the loyalty and filial piety of the elderly. It is also possible to transfer land and plant grass in a large area, so that villagers can get the benefits of land transfer. This kill two birds with one stone thing must have been done. Fu Xiaokang contacted the old man's son He Younan many times, and He Younan finally went home on 20 13. Later, he took out 300,000 yuan of his own funds to build a 500-square-meter cattle farm. In order to buy forage, Fu Xiaokang lent him 20,000 yuan as working capital and raised ten cows in advance. Then, for the circulation of 200 mu of mountain grass and the purchase of Simon big ear cattle, another loan of 500 thousand yuan was given to support it. At present, there are more than 0/00 beef cattle in stock, worth more than 2 million yuan.
In order to do a good job of "agriculture, countryside and farmers" in mobile services, Fu Xiaokang Studio, founded by him, has become a shining business card of fairy mountain with his selflessness and persistence.
In addition to the above things, he also lent money with his heart and affection, and brought out Miao Chuanhai, a self-made seeder, an eco-friendly pig farmer, and a "female entrepreneurial hero" who was commended by the state for constantly developing bamboo shoots. There are also hundreds of agricultural producers and operators. According to statistics, he has handled more than 2,300 micro-loans for serving "three rural" farmers and rural production and operation, with a loan amount of 230 million yuan, all of which are sluggish and bad.
If you want to trace back to the experience, Fu Xiaokang said that it is because he has an idol in his heart, that is, in his career, he served the "three rural issues" wholeheartedly and achieved good results without any bad loans. Since there are "ancients" in front, why can't there be "newcomers" behind? Since Fu Xiaokang gave the first loan to the villagers in fairy mountain, he left a dream in his heart: he must become the later Rao Caifu, a new era Rao Caifu. He finally did it. Fu Xiaokang lamented Ma Yun's words, "People should have dreams, in case they come true". He said, if everyone wants to be Rao Caifu one by one, then dream quickly! We should also remember the "three three" working methods summarized by him and put them into practice. That is, the pre-loan investigation will never: first, the customer investigation will never go through the motions; Second, data collection is by no means sloppy; Third, the understanding of personality will never be ignored. Post-loan management in place: first, on-site inspection must be in place; Second, follow-up inspection must be in place; Third, the due notice must be in place. Risk mitigation has three purposes: first, it is not afraid of difficulties and attaches importance to it; Second, hard collection by law; The third is to accept the heart with heart.
In addition, Fu Xiaokang also said that it is necessary to make friends with the people in unison, seek mutual understanding, and help each other to run a well-off society. He often says to himself that unless people in fairy mountain get rid of poverty and become rich, he will not be well-off! Therefore, in the loan support for "agriculture, rural areas and farmers", he did not blindly focus on getting the loan back after it was released. Instead, it pays more attention to providing intellectual support and using policy traction to jointly and collectively develop modern agriculture, ecological agriculture and sightseeing agriculture. While fully activating farmers' means of production, we should strive to increase the added value of agricultural and sideline products and let the people increase their income and get rich. As long as the people get benefits from the loan support and care for them to live a well-off life with true love, the virtue of honesty and credit of "borrowing money and not paying it back" will erupt from the hearts of the people. They can not only repay the loan on time, but also remember the great kindness of the party and the kindness of the Agricultural Bank of China.