The news turned from: WeChat official account of social science.
Ni Shaobai, graduated from Nanjing Agricultural University in 2005, majoring in sociology. After graduation, I participated in the volunteer service for two years in Meixian County, Shaanxi Province in response to the "volunteer service for college students western plan" organized by the Central Committee of the Communist Youth League. In 2008, he returned to Shanghai and worked in the Bank of communications for 10 years. In 2017, he worked in Nanjing Suning bank and was responsible for the work of Suning bank's remote banking. Now, he is the director of Suning bank's remote banking.
Not limited to ease, to be an official
Q: What was the opportunity for you to choose to participate in the Western University Service Plan after graduation?
Ni Shaobai:
There are two main factors in choosing to participate in the western plan of College Students' service: first, the Rural Development Research Association of Nanjing Agricultural University was founded during the period of University, which brings great interest to the development of the society, especially the rural areas. Therefore, after graduation, if you have this opportunity, you choose to further develop your vision; Second, under the influence of Professor Yao Zhaoyu, in his office during the university period, Mr. Yao often talked to me about his experience of studying and working in Lanzhou, Gansu Province at that time, and he was very yearning for it. Facts have proved that my choice is correct. In the past two years, I have gained a lot. My work in Meixian County Communist Youth League Committee has also made me change my thinking from a student to a social person, which is a very critical turning point in my life. Q: Why did you choose to work in a bank after your voluntary service? Why did you choose to resign to work in a private bank 10 years after working in bocom?
Ni Shaobai:
It's also a kind of chance to choose a bank job. When I returned to Shanghai and started to apply for a job, BOCOM gave me priority. Then in the past ten years, we have carried out work around banks. From bocom to Suning bank, on the one hand, my career development in the traditional bank has entered a bottleneck period, and is about to encounter that ceiling; on the other hand, the most important consideration is that with the development of society, private finance, especially private banking industry is a sunrise industry in China's development at present. As far as China's system is concerned, financial institutions are inherently exclusive (private capital), and state-owned capital has always been dominant. From the perspective of historical context, it is not uncommon for private banks to set foot in the banking industry, but the cases initiated by them are in a blank period for a long time. Therefore, the voice of liberalizing private banks to enter the financial industry, especially the banking industry has been high. The root of this appeal lies in the fact that the market believes that the state-owned banks and state-owned enterprises have a natural kinship, which will lead to the problem that private enterprises and small and medium-sized enterprises are difficult to borrow and expensive to borrow. Private banks with private capital as the main part can solve this dilemma. This is a trend of social development. We should take advantage of the trend.
Sociology gives me a holistic view
Q: Your undergraduate study is sociology, so what do you think the study of undergraduate major will affect the work you are engaged in now?
Ni Shaobai:
I worked in the financial industry, and I thought about it. After more than ten years of exploration, especially 17 years of choosing to move from the traditional state-owned banks to the relatively new private banks at that time, I feel more about what the major I studied during my university has to do with my current work. Learning sociology brings me a great change. When I look at the development of things, I can think from the macro and social development trend. Just like my resignation from bocom to Suning bank is the result of such thinking. Around 2014, private banks had the highest voice in the society. Because our social development is facing such a problem, at present, the development of private economy and private enterprises in China is relatively fast, but its fast development will have a congenital defect, that is, its financing is difficult. Because the social financing under the Chinese system is mainly completed through banks, but the bank financing in China is mainly concentrated in five major banks, including the Bank of communications where I work. When the financing of the five major banks comes in, it will have a congenital affinity to the enterprises under the state-owned system. It believes that the overdue rate of loans to state-owned enterprises is relatively low, so most of the funds are loaned in the form of low price or put on the state-owned economy. At this time, the financing of private economy has become a big social problem. Before that, the financing of private economy, especially small and micro enterprises, mainly depended on large state-owned banks. However, on the one hand, the financing procedures of large state-owned banks are relatively lengthy; on the other hand, large state-owned banks give small and micro enterprises, and the amount of loans to private economy is very low. Therefore, in this context, the development of China's financial industry will be extended, there is a gap in the development of private banks. For example, in the Republic of China, foreign countries are vigorously developing private banks to absorb all kinds of social funds, and then lending them to these private enterprises. Because they are congenitally connected in temperament, so with the development of such small and micro enterprises, the development of private economy will certainly be a trend in the future. When I chose to change my job, I faced many choices at that time. In the end, I chose to come to Suning bank. One of the key points is that I was influenced by the sociology we learned at that time. When we look at these developments, we will choose to look at them from the perspective of the whole society. What is the future development trend of the whole society? What is lacking in the society? In fact, there are also contents related to sociology in the field of finance, such as rural finance and rural financing, which is an important subject that has a great relationship with our sociology. Rural financing can play a variety of roles, such as simply lending money to rural governments to build some water conservancy or infrastructure; To deliver goods to small and micro enterprises in rural areas, and to create some manual workshops for production, it can let farmers off the land, because the income of the land is relatively lower, achieving the effect of industrial transformation or improving farmers' income. But from the perspective of bank lending and financial lending, we are not willing to put funds into the countryside, because the rural bad debts are too overdue, which is the primary problem to be solved in the future. I visited Ganyu rural credit cooperative in Lianyungang with Mr. Yao before, and we saw this problem. Now many of their financing is through private lending, but the annual interest rates of private lending are around 20%, 25%, or even 30%. But in fact, if we want to raise funds from private banks, the highest loan we can give them is about 14% and 15%, which can save nearly half of the interest rate. Think about the impact! So if we have the opportunity to set up private banks in the future, it is possible that I will develop in the direction of rural areas or small and micro enterprises. If it can be done, on the one hand, it can have better development and better benefits for the enterprise itself; at the same time, it can also truly practice the Inclusive Finance in the current society, and truly benefit some enterprises or a place. Speaking of this, I would like to say to my brothers and sisters that we want to contribute to society by studying sociology or social work, but we can't just stay on our lips. What's more, we need to be down-to-earth. Only when we develop ourselves can we send out more light and heat to help warm others.
Message
Q: Now that you have made such achievements, do you have any experience or insight to teach your younger brothers and sisters?
Ni Shaobai:
There are three important factors for growth and development:
1. "You have perseverance" and "learn before you know": first of all, I'll talk about the importance of persistence. I'm not a student of finance. When I work in a bank, I start from the most basic level. From ordinary staff, trainer, training director, training manager to front desk operation manager, team manager, operation center principal, then to Suning bank to host the remote bank and act as the director of the remote bank. There is no shortcut along the way, the only thing to do is to stick with your teeth. I have met many people who are better than me in my work, but I didn't go so far because I didn't persist and give up halfway. Now I'm hosting a remote bank and I'll also see some resumes. If I have three job hopping experiences within three years, I will not consider such resumes even if they are excellent. Because first of all, he lacks the most critical characteristic of a career, "perseverance". If he can't persist, he can't adapt to this society. The second point is to learn. Only by learning constantly can you see your own shortcomings and keep going up. 2. Seize every opportunity before your eyes, and be grateful for every "noble person" in the development of your career: this noble person is not a radical term or a derogatory term, but refers to every teacher and senior who provides you with a development platform. It is because of these platforms that you can develop step by step. Otherwise, you are always limited in your own circle and cannot break through the existing pattern. The first platform for me is Mr. Yao. At that time, the Department of sociology was going to establish a community, and Mr. Yao gave me the task. So I began to explore the organizational structure, funding sources, operation mode and activities of the staff step by step, and finally established the "Rural Development Research Association". After that, I took part in my work, including setting up my own team in bocom and setting up a remote bank from scratch in Suning bank. I am very grateful to my experience in University for exercising my relevant ability. Later, during my work, I also met a lot of distinguished people, such as secretary Feng Hua in the Western planning period; Mr. Wang Huifeng in the Bank of communications, who gave me the opportunity to reserve students in the management department; Mr. Ge and Mr. Tan in Suning bank, who made me have a deep research on the development of financial management, loans and remote banks. Summing up my experience, I want to remind our younger martial brothers and sisters that in their future work and life, they should find these noble people around you, seize the opportunity to come to you, and do not turn them out because of difficulties and challenges. 3. Cherish the strength of supporting you: because I am a family, your younger martial brothers and younger martial sisters should not feel this deeply. But from Shanghai to Nanjing, I have a rapid development in the past two or three years, which is inseparable from the support of my family and my other half. So we should also cherish the strength of supporting you, choose a right person, and form a happy family to make your life journey better.