Most young people today have this common problem: spending next month's salary and living this month's life. No matter how hard you work, you can't save your savings, and you even owe a debt. Despite this, it is still tenacious to survive, after all, it is natural to pay off debts.
However, when the amount of this amount of arrears exceeds everyone's imagination, rolling to ten thousand yuan, or even millions of yuan, tens of millions of yuan, how many people can successfully turn over? In Lishui, Zhejiang, there is such an 80-year-old grandmother Chen Jinying, who is the age of his grandson in the same age, insists on starting a business, and finally, owes a huge debt of 20.77 million yuan.
For an old man who has lost the ability to work, such a huge debt is almost impossible to repay in her lifetime, as a legal person, she can choose to declare bankruptcy, and then leave the matter behind her and live the rest of her life in peace. However, Chen Jinying chose not to take the usual path, spending ten years to repay all 20.77 million yuan, at this moment, her courage to take responsibility has overshadowed the money itself and won the praise of the whole society.
So, what exactly did she do to cause her to be heavily indebted? In ten years, what has been done to successfully turn around?
Chen Jinying was born in 1931 in Jinhua, Zhejiang Province, to a family of traditional Chinese medicine practitioners, the son of a well-known old Chinese medicine practitioner. In such an environment, Chen Jinying has also had the dream of becoming a good Chinese medicine doctor since he was a child, and his grandfather and father are very optimistic about this little girl and pass on all their experience and skills to her.
Chen Jinying's path to traditional Chinese medicine went exceptionally smoothly, and after returning from his studies, he successfully entered the hospital in Lishui, Zhejiang Province.
In her impression, her father and grandfather were very enthusiastic, and in addition to their duties, they also took care of what they could. Chen Jinying successfully inherited this helpful spirit and carried it forward in the hospital.
At that time, people from all over the world did not know that there was a great benevolent person with excellent medical skills in the hospital in Lishui, Zhejiang. This kind of work has been done for more than thirty years, and Chen Jinying has also reached the time of retirement.
She has been busy for the first half of her life, encountering many difficult diseases every day, and solving a patient's troubles every time is equivalent to saving a family. Such a challenging life made her very satisfied. However, after retirement, in addition to eating and sleeping, she walked and sat idly, such a leisurely life was a blessing for her peers, but it was a torture for Chen Jinying.
The day became long for Chen Jinying, and every time at night, Chen Jinying would toss and turn, and she couldn't help but ask herself: Do I have to spend the rest of my life with such a boring time?
After a sleepless night, Chen Jinying decided to spend the rest of her life doing challenging things, such as starting a business.
Such an idea was rejected by the children, who believed that the mother had been busy for most of her life and that the most important thing to do was to enjoy happiness. Moreover, how many young people have tried to start their own businesses, but how many have been successful? Most people have lost everything, not to mention that my mother is such an old lady in her fifties.
In order to prove his ability to his children, Chen Jinying began to study day and night, studying the way to start a business, and it was inevitable to find a blank market in society. Chen Jinying's efforts paid off, and she decided to develop a protective device for the elderly that could carry drugs.
As an elderly person, she will naturally understand the inconveniences of the elderly in daily life, and young people who start their own businesses will always unconsciously ignore the areas they do not understand, so no one has cared about the personal safety of the elderly.
If there is a protective gear filled with down that can store drugs, it can be protected when the elderly accidentally fall, and can also be rescued in time when the elderly suddenly fall ill. Chen Jinying is an old Chinese medicine doctor, naturally knows what drugs are most effective for the elderly, she is professional, she wants to show her fists in her career.
Unfortunately, she realized that if she wanted to develop such a product, she would have to get drug eligibility approval. Therefore, Chen Jinying's first venture ended before it began.
Chen Jinying thought about it, do not sell drugs, and it is also good to make a down jacket for the elderly. Compared with young people, the elderly are more afraid of the cold and wear more clothes in winter, but at that time, everyone's eyes were focused on the young and middle-aged market.
If you can develop a down jacket for the elderly, won't you be able to meet the two requirements of warm fashion?
The more Chen Jinying thought about it, the more feasible he felt, registered a down company, recruited ten workers and a tailor at once, and began his own entrepreneurial road.
Chen Jinying proved that her idea was feasible, and the down jacket developed by Chen Jinying filled the gap in the clothing market very well. Under the premise of ensuring quality, the production capital is kept to a minimum and sold at an extremely favorable price. Once the product was launched on the market, it was sold out.
Seeing that most of the elderly can wear warm down jackets for the winter, Chen Jinying is more and more courageous, recruiting more and more workers, and the factory building is getting bigger and bigger. Within a few years, she monopolized the down jacket industry for the elderly and became a well-deserved boss, at the same time, she also gave her clothes a simple name: flying geese.
In 2004, Chen Jinying encountered the golden period of the foreign trade market, she took advantage of the momentum, hitched a ride on foreign trade, and successfully sold down jackets for the elderly to foreign countries. Chen Jinying, 73, finally used his strength to punch the face of his children who had prevented him from starting a business.
It is understood that at the best time of business, Chen Jinying's annual income was several million. At that time, million yuan households were rare, and a million yuan was enough for Chen Jinying and his descendants to live in peace and stability for several lifetimes.
With more and more orders received, Chen Jinying began to realize that the shortcomings of the factory were, the small factory and production chain, and there was no way to complete tens of millions of orders from all over the country. In order not to lose faith in the customer, she decisively exchanged the money she earned for a larger factory building, and also borrowed money from the bank, hoping to buy an entire production chain and reduce the processing cost even lower.
Unfortunately, Chen Jinying did not expect the times to progress, and she is no longer the leading boss of the down jacket industry for the elderly. During this period, more merchants have discovered this piece of fat meat, have joined this resource battle, and they are more thoughtful than Chen Jinying, taking into account the needs of warmth at the same time, constantly developing fashionable and good-looking styles, more popular with everyone.
Reporter, Chen Jinying's career gradually fell under the blow of new merchants, and after changing the large factory building, her career ushered in the end in a few years. Because most of the funds were invested in the production chain, the plant had no support from activity funds, and soon went out of business, and Chen Jinying borrowed more than 10 million yuan in exchange for an old down jacket full of unsalable warehouses.
In 2011, 80-year-old Chen Jinying dismissed all the workers and fell into despair with a debt of 20.77 million yuan and tens of thousands of down jackets. In front of her eyes, there are two choices, either declare bankruptcy, go home and continue her old age, or take on debt, use the old and crippled body to earn money back little by little, and fill a huge hole.
However, 20.77 million yuan is an astronomical amount for Chen Jinying, and now that there is no factory, how long will it take for her to earn money back? Of course, she also knows very well that if she declares bankruptcy, it is equivalent to declaring failure, and the down jacket she has worked hard to develop will become a full warehouse of garbage, and the relatives and friends who originally lent money to themselves will lose their money.
For the down jacket, in order to trust his friends, Chen Jinying is not willing to concede defeat.
She decided that even if she had to go from street to street and sell down jackets one by one, she couldn't bow her head and concede defeat. She first sold the factory and property in exchange for 17.27 million yuan. With the remaining $3.5 million, she plans to continue her down jacket business.
In the next few years, it is not difficult for everyone to see that whether it is windy or rainy, there is always an old lady in the shape of a stoop, carrying a large bag around. The way of retailing is too slow, she decided to increase sales, and every time she saves a little money, Chen Jinying will go to a first-tier city to sell her own down jacket.
Perhaps it is fate that Chen Jinying pays great attention to quality when processing these clothes, although the style is relatively old, but as long as it is warm and durable, it will not become? After hearing about Chen Jinying's encounter, many business owners admired this responsible old man and took over some of the goods for sale.
In this way, Chen Jinying's story spread everywhere with her trajectory, and her business became better and better, and she became busier and busier. Just when Chen Jinying thought that her life should be improved, the news of her wife's death completely crushed her.
Chen Jinying realized that he had been busy with his work over the years, and after the failure of entrepreneurship, he was busy paying off debts, and he did not accompany this person who silently supported himself. Even the last time she met her wife, she couldn't see her.
Guilt welled up in her heart, she was worthy of the creditor, worthy of the bank, and worthy of the factory employees, but sorry for her husband. The grievances she had suffered over the years broke out, and Chen Jinying cried uncontrollably under the pile of down jackets piled up into a hill, and at this moment, her body looked particularly fragile and thin.
After a bitter cry, she got back on her feet. Chen Jinying has been strong and competitive all her life, she has been sorry for her husband, and now she can no longer be sorry for the people who have helped her. So, this thin figure reappeared on the street.
After a long time, Chen Jinying finally saved a little savings in his hands. Just when Chen Jinying wanted to improve the way of sales and opened a storefront, the creditor also came to the door. In the face of the vicious creditor, Chen Jinying did not complain, after all, others are also for livelihood, so whenever Chen Jinying saved a part of the money, she would hand it over to the person who came to the door.
The so-called accumulation of less into more, the collection of armpits into Qiu, Chen Jinying returned more and more money, the creditors in front of the door gradually disappeared, the bank did not expect that this 80-year-old woman was so insistent, in order to commend this spirit of never accepting defeat, also sent a letter of thanks to Chen Jinying.
Chen Jinying held this earnest letter, and her eyes were full of tears, which was the greatest affirmation of her persistence. In his old age, it is a magical thing to repay tens of millions of huge debts with his hands. Seeing Chen Jinying's enthusiasm, everyone no longer embarrassed this old man and reached out to her one after another.
Times have changed, now there is no longer a need for Chen Jinying to walk the streets and alleys to sell clothes, only need a mobile phone, Chen Jinying's down jacket can be known by people all over the country, just like the brand name "Flying Goose", these clothes are like a real flying goose flying out of the space limit.
In 2021, ten years have passed since Chen Jinying's debt, and the 90-year-old Chen Jinying can no longer do anything, she returned to her hometown with 70,000 yuan in cash, trembling, and personally handed it over to her nephew. At this point, the arrears of 20.77 million yuan have been paid off.
Now, at the age of 90, she still does not want to live a leisurely life like when she retired, Chen Jinying said that in order to continue to walk in the field of traditional Chinese medicine, as long as she is still alive, she must continue to work hard.
Chen Jinying told us with actions that as long as we live, we will definitely pay for our efforts.