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□ Meng Wei, a reporter from "Rule of Law Weekend"
At 6:00 a.m., turn off the mobile phone alarm, cook a pot of chicken and vegetable porridge in the rice cooker, wash a dish of small tomatoes, fry a plate of oil and wheat vegetables, fry a few slices of ham and steamed bun slices, and then carefully arrange the plate... Half an hour later, breakfast for the family of three was set on the table on time.
"Eat more vegetables, and put all the books you need to bring to class in your bag." Today's piano lessons do not have to go, let Grandpa take you downstairs to practice skipping rope in the evening... At the end of the month, I have to work overtime today, let Grandpa pick up Jiajia. At breakfast, Liu Na used to exchange the schedule of the day with her family.
Such a beautiful and warm life, Liu Na 10 years ago "can't think of it.". That year, Liu Na graduated from the art and design department, took a night train, carried a 20-inch suitcase, and put a few clothes and computers in it, and came to Beijing alone.
10 years later, Liu Na crossed from designer to bank branch president, married and gave birth to her son Jiajia, bought a car and a house in Beijing and took root.
In the past 10 years, Liu Na has completed her transformation, which is not only the credit of her own hard work, but also inseparable from the support of her family and the country's economic and social development and a series of good policies.
I wanted to stay in Beijing for a short time
But it took root here
"I have a vision of the city, and that image is still imprinted in my mind even after 20 years." Liu Na remembers that as early as a child, she longed to live in Beijing.
In the summer of 1999, Liu Na, who was based in Harbin, Heilongjiang Province, followed her parents on a tour group, the first stop of which was Beijing's Tiananmen Square and the Forbidden City.
"The roads in Beijing are particularly wide and clean, and you can see a lot of foreigners riding bicycles on the main roads." Visiting scenic spots is slightly boring for 10-year-old Liu Na, but when she sees the wide and clean streets on Chang'an Avenue and the foreigners coming and going, she yearns to come to such a city life.
After entering junior high school, she began to contact painting and studied Western aesthetics. After four years of art education in college, she was attracted to such an international metropolis as Shanghai and planned to break through the world in Shanghai after graduation.
However, due to the fact that her parents are more traditional and hope that her daughter will not be too far away from home, Liu Na chose to temporarily go to Beijing, which is slightly closer to home, after graduation, to prepare to accumulate some experience and then go to Shanghai.
Unexpectedly, the originally planned short stay became a place for her long-term life.
In July 2012, the second month after attending the graduation ceremony, Liu Na, with her yearning for a big city, took a night train and carried a 20-inch suitcase to Beijing.
Soon, she got a job as a designer assistant, a small advertising agency. The salary for the new job is only 3,000 yuan, the internship period is 3 months, and the salary is 20% off.
At that time in Beijing, a salary of 2400 yuan per month could barely make ends meet. At that time, the rent of a 6-square-meter bedroom in the fourth ring road of Beijing was also about 1400 yuan, and renting a house alone would cost her most of her income for half a month.
"I didn't understand anything at the time, and I didn't expect the rent to be so high." To save money, Liu Na and two college roommates shared a large studio in Beijing's Tongzhou district, where she paid 800 yuan a month.
She also remembers that the opening room is small enough to open the security door to see the whole picture, from the door to the balcony in turn there are 3 one-meter-wide beds, there is a red sofa of about one meter on the right hand side of the door, the kitchen and bathroom are opposite the bed, and 3 people live together very cramped. When her roommate calls her boyfriend every day, she had to go downstairs to walk around.
And the environment in the building is very complicated, there are more than a dozen families on the first floor of the building, every day someone pushes an electric car into the elevator, she once heard the knocking on the door in the middle of the night. The room is also poorly soundproofed, and you can hear the coughing sound of the uncle next door at 5 o'clock every morning.
Let go and try to get a new job
Be proactive and make up for knowledge
At that time, Liu Na's wish was to do a good job of design, raise her salary quickly, and make herself able to move to a place where the commute time was less than 1 hour.
What she did not expect was that the trajectory of her life ran counter to her original plan.
Once given a chance to be a bridesmaid to a colleague, Liu Na met her husband Zhang Qing, and after about half a year of getting along, the two decided to start a family.
Zhang Qing's parents are university professors, and they hope that Liu Na can also find a more stable job.
"I really don't want to give up my favorite design work, but the colleagues around me have left Beijing one after another, leaving the design position, and I have begun to think about how long this bowl of rice can be eaten." At that time, affected by the impact of the Internet, the business volume of the traditional advertising industry was getting smaller and smaller, the loss of the company's customers was serious, and the performance of the 4A company was not as good as before. Based on this, Liu Na reconsidered her future career plan, whether to stay in her comfort zone or choose a new track.
In the end, she decided to give it a go and work at a branch of a state-owned bank in Beijing's Chaoyang District.
The most basic positions of bank outlets are tellers and lobby managers, which are more operational and service-oriented, and are known as "the first stop of newcomers".
Liu Na is a typical northeast girl look, a standard goose egg face, 170cm height, coupled with a cheerful personality, she just entered the outlet to take over the lobby manager's work: every day to welcome customers, from the customer into the door, you must take the initiative to meet customers, ask customer needs, the customer for the corresponding business guidance.
In Liu Na's view, the more important role of the lobby manager is to establish and maintain customer relationships, "to understand the needs of customers, pay attention to target customers, pay attention to customer trading habits, meet the special needs of key customers, deal with customer dissatisfaction and handle off-the-counter business for customers."
Due to the wide range of business content involved in the lobby manager position, to be familiar with almost all banking services, Liu Na will make up business knowledge after work every day.
As the business gradually entered the right track, Liu Na accumulated several customers with a warm and cheerful personality, and she could get nearly 20,000 yuan in salary every month through commissions.
Childbirth temporarily affects career
No complaints from scratch
In the rising stage of her career, Liu Na found herself pregnant, "At that time, the pressure was very high, I just straightened out my work, I just had a few customers in my hands, but I suddenly became pregnant." And the physical condition is very bad, especially affecting the working state."
That year, only a few old customers could continue to maintain, and there were no new customer resources. When he returned to work after giving birth, the original position of lobby manager was replaced, and only the position of cash teller was vacant.
The main job of the cash teller is to contact the review of various types of cash business, the inventory of small and small banknotes, and the inventory of large amounts of cash.
"Switching to a cash teller is tantamount to starting over, and although it is a little difficult, you must not back down." For so many years, her mother's words and deeds have made Liu Na understand that do not complain whether at work or in dealing with people, "My mother works at the power supply bureau, she often helps others to do trivial things, and has never heard her complain about anyone." Her principle of dealing with people is to treat people sincerely and do things seriously. ”
Teller work requires people to be rigorous, there are many documents to fill in, there can be no typos on each ticket, and the decimal point should pay more attention to the location. Liu Na is outgoing, compared to sitting at the counter to do business, communicating with people is her strength, and customers have successively taken the initiative to find her to do investment business.
"The first customer has been with me until now." The first customer I met during my time as a teller gave Liu Na the idea of being an account manager to help customers manage their finances. She remembers that the first customer just came to the outlets dressed plainly, he was helping the boss to buy tiles, the monthly salary was only more than 1,000 yuan, although the salary was not much, but there was a financial plan, he recommended an open-ended fund to him, each time set to invest dozens of yuan.
To be an account manager means that she must obtain a fund qualification certificate. As a layman, this is not easy for Liu Na, who is breastfeeding.
Every day I go to work to fill in a bunch of bills, come home from work to see my children twice, and sit at the dinner table to "nibble on books".
"When I was in high school, my math scores were not very good, it was more difficult to write things down after having children, and the formulas and calculations for the exams were more complicated. The year I took the exam, just in time for policy reform, there was a book who could not find exercises, and I could only read the whole book thoroughly and understand clearly. During that time, Liu Na only slept for three or four hours a day, during which she had to get up to feed her children.
In half a year, digesting 6 books and taking the exam twice, Liu Na finally got the fund qualification certificate. She understands that if she wants to continue to develop in the position of account manager, she needs to get more qualifications: securities practitioner qualification certificate, futures qualification certificate...
Big money has investment methods for big money, and small money has financial channels for small money. When buying a certain kind of investment wealth management product, in addition to looking at its income, security is also very important. Especially for first-time financial investment, whether the risk is controllable is the most concerned issue.
Liu Na told reporters that many people, out of trust in the bank, will blindly listen to the product benefits of some account managers and ignore the risk, "Some account managers may intentionally avoid risk points and only introduce the high returns of products to customers." But I think that if you want to develop in the long run, you must be responsible for your customers. The real benefits and biggest risk points of each product, I will do my homework in advance and truly introduce the situation to customers. ”
In addition to being an account manager, Liu Na is also an investor. Helping customers buy products, she herself is investing, "customers can see every penny I earn."
Slowly, the number of customers began to increase, the types of customers were richer, the accumulation of experience was more solid, the performance improved steadily, Liu Na sat in the position of administrative manager, and also won the honor of "Top Ten Managers" of the Haidian District network in Beijing.
In the second half of 2018, the news of P2P thunderstorms came from time to time, and continued until 2020, and a large number of investors' money was lost.
P2P is a new type of personal financing model, relying on the network to provide private small loan financial services.
The domestic P2P online lending platform began in 2007, and after 2010, the P2P industry entered a stage of rapid development. According to the statistics released by the "Home of Online Loans", as of June 2018, the cumulative number of P2P platforms reached 6183, and the cumulative matching amount reached about 7.33 trillion yuan.
In the second half of 2018, the P2P industry concentrated on risks. More than 100 P2P platforms were exposed as problematic, and thousands of investors were involved.
2018 is also the second year that Liu Na became the head of a branch in a branch in Beijing's Haidian District. She remembers that at the beginning of 2017, many regular customers began to transfer funds to online lending platforms.
An old customer who did business in Beijing's Chaoyang District told Liu Na that many of his merchants were investing in P2P at that time, and the income was very high.
"He said that his friends around him bought it, some of them saved more than 3 million yuan, and the least they also saved 500,000 yuan, and they also wanted to participate in investment and come to consult my opinion." Liu Na has a certain understanding of this industry, she put forward a pertinent suggestion to the customer, "first invest tens of thousands of yuan to feel it, after the customer receives two months of interest, I suggest that he receives it when he sees it, after all, some online loan companies may have to 'run' in less than a year under this game." The customer withdrew his funds after receiving part of the interest, and sure enough, in less than half a month, the P2P platform he invested in "ran away", and the friends around him lost hundreds of thousands of yuan at least.
In Liu Na's view, although P2P was hot at that time, there was a very high risk, "P2P lending companies have very low transaction costs, and they are not regulated by banks, they just let borrowers keep in touch with lenders, and it is easy to become a tool for illegal fundraising or fraud."
On December 1, 2017, the Office of the Leading Group for the Special Rectification of Internet Financial Risks and the Special Rectification of P2P Online Loan Risks officially issued the Notice on Regulating and Rectifying the "Cash Loan" Business, clarifying the overall supervision and carrying out the work of cleaning up and rectifying online small loans.
Since then, many illegal fund-raising, informal lending company institutions, high-interest financial platforms, etc. have been rectified, and some platforms based on capital pools have also been in a hurry. In the second half of 2018, the P2P industry ushered in a wave of closures.
"In recent years, the state has continued to crack down on non-compliant online lending platforms, ensuring the safety of customers' funds and purifying the financial market environment." Liu Na said.
Contentment is always happy and grateful to live
Bought a self-occupied commercial house
The biggest motivation for hard work comes from the family, although most of the energy is spent on work every day, but Liu Na believes that in the process of children's growth, parents must not be absent.
Liu Na's childhood was turned around in various nurseries and relatives' homes.
According to her words, her mother took over her grandfather's shift, and in order to keep her job, she was weaned early to go to work, and it was common to read the meter value at night, and sometimes she had to go door to door to collect electricity bills, and the time to go home was even more irregular.
Her father was a doctor, and the hospital worked from morning to night, and she was often called back to the unit to treat patients after work.
"I started going to daycare when I was 6 months old, and it turned yellow before the nursery was two months old, and my dad asked someone to find a private nursery, and I was basically moving between nurseries before I was 3 years old." During the holidays in the nursery, Liu Na can only be sent to other relatives' homes, and it is difficult to get careful care.
These childhood experiences made Liu Na secretly make up her mind that she would have children in the future and must accompany her well.
When her son Jiajia was just born, Liu Na's family had not yet bought a house, and the family of three lived in the house of Zhang Qing's cousin who settled in the United States, which only had one room and one living room. In addition, their parents have not yet retired, so the couple can only take turns to take leave to take care of the children, more often Than not, Liu Na takes care of the children alone.
After Liu Na returned to work, it was difficult to take care of the family, and the family discussed sending the children to the city where her grandparents lived.
"This proposal was the most realistic at the time, but I can always remember the scene when I was a child, fell asleep at my second aunt's house at night, returned to my own house with my eyes, and spent less than a few hours with my parents and was sent to kindergarten." This kind of wandering and uncertain day, Liu Na is determined not to let her children experience it.
Finally, Liu Na hired an aunt to help with the children, "Only aunt and Jiajia are at home, I am not at ease, so I spent more than 1,000 yuan to buy a home camera, on the mobile phone at any time to see their situation."
The camera did help Liu Na avoid a lot of security problems. Once, when my aunt was cooking in the kitchen, Jiajia was playing around the coffee table, and suddenly she had an extra pair of scissors in her hand. "I was scared out of a cold sweat and quickly called my aunt to ask her to take the scissors away." That scene Liu Na still remembers vividly.
Now that Jiajia is in the first grade, Liu Na insists that two people pick him up and drop him off at school, and when the bank settles overtime at the end of the month, she must first pick up the child and then return to the company to work overtime.
"Our family division of labor is very clear, under normal circumstances, On Mondays, Wednesdays and Fridays, he picks up the children, Tuesdays and Thursdays I pick up, and Saturdays and Sundays try to free up time to go out with the children." Liu Na said that there will be a fixed time to accompany Jiajia every week.
"The only interests we insist on cultivating children are piano and painting, which is exactly the specialty of Zhang Qing and me, and we don't need to go to extracurricular classes." For Jiajia's education, Liu Na and her wife insist on interest education, and do not have the "chicken baby" mentality of many Haidian parents.
Before the age of 30, she bought a car and a house in Beijing, something that Liu Na did not dare to think about when she first entered the society.
"My first job at an advertising agency was in the North Fourth Ring Road, and my roommate and I lived in the East Fifth Ring Road. It takes three subway trips a day, and the round-trip commute takes 4 hours. "10 years ago, Liu Na took the subway every day to go underground, and now she watches the sunrise and sunset every day, and drives her children to and from school.
Congestion in Beijing's morning and evening rush hours is the biggest headache for drivers, and an hour-long drive can take up to two hours to get there.
In June 2018, the Beijing Municipal Transportation Commission and the Beijing Municipal Public Security Bureau Public Security Traffic Management Bureau jointly issued the Notice on Adopting Traffic Management Measures for Some Passenger Cars to strengthen the management of vehicles with foreign license plates entering Beijing. It is required that from November 1, 2019, foreign cars entering the sixth ring road must apply for a Beijing entry permit. Each vehicle can apply for a maximum of 12 beijing entry passes per year, and each time the beijing entry passes are valid for up to 7 days. This is equivalent to a foreign car driving in Beijing for up to 84 days per year.
From January 2021, Beijing officially implemented the Interim Regulations on the Regulation and Control of the Number of Passenger Cars in Beijing and the Detailed Rules for the Implementation of the Interim Regulations on the Regulation and Control of the Number of Passenger Cars in Beijing. According to the new policy, each person can only retain a maximum of 1 passenger car indicator, but allows them to transfer the registered excess vehicles to the spouse, children and parents of the passenger car that are not registered in the city.
After these new policies were introduced, Beijing's traffic situation has improved significantly. "In the past, when the fourth ring road was blocked, it would be blocked into a parking lot, but now even if it is blocked, the vehicle is still in motion, and it will not be parked on the road." Liu Na said.
For a family of three, having a stable living environment can really have a home.
After living in Zhang Qing's cousin's house for less than a year, her cousin took back the house on the grounds of self-occupation, "At that time, a two-bedroom house in Wangjing could be rented for at least 6500 yuan, and my cousin gave us a free house for a year, and we were already very grateful." But at that time, there was only a basic salary, and Zhang Qing's burden was very heavy, so the family of three chose to move to Fengtai District, where rent was relatively cheap.
After the work is stable, Jiajia is also going to kindergarten, and Liu Na and her wife began to consider buying their own house.
"We didn't have much savings, and the bulk of the down payment could only rely on the parents of both sides to help us, and we pieced together a down payment." While pooling funds while looking at the house, considering the future learning environment of Jiajia, they set the direction of the purchase in Haidian District, but buying a decent two-bedroom apartment in Haidian District exceeded the budget of the two people. They turned their attention to policy housing.
At that time, Beijing was promoting self-occupied commercial housing.
In 2013, the Beijing Municipal Housing and Construction Commission launched self-occupied commodity housing, which is aimed at families in the city that meet the purchase restriction conditions, the price is about 30% lower than that of the surrounding commodity housing, and the set type is mainly less than 90 square meters.
In Haidian District, there are just projects launched, and they are generally mixed communities, the surrounding supporting facilities are relatively perfect, and the quality of housing is also guaranteed. Liu Na began to participate in the lottery, and finally won the qualification to buy a house in the northwest of Haidian District, which contains 3 self-occupied commercial houses and 5 ordinary commercial houses, and the environment is relatively superior.
"Although it cannot be listed for 5 years after purchase, and 30% of the listing proceeds after 5 years are handed over to the treasury, this policy solves our urgent need." Living in her own house, no longer need to think about moving, Jiajia is in the next school, work and life are steadily moving forward.
Now that the child has gone to primary school, Liu Na's work is also running on the right track, and the days are getting better and better.
Cartography/Li Xiaojun
Photo (1) On a recent outing, Liu Na's family of three came to the "Grassland Heavenly Road" in Zhangjiakou City, Hebei Province.
Photo (2) Liu Na cooks dinner for her family.
Figure (3) When she was a child, Liu Na looked forward to going to the minus floor of the Qiulin Mall with her parents every New Year to buy red sausages.
Figure (4) Landscape opposite Liu Na's company. Courtesy of respondents
Source: Rule of Law Daily