Chen Jinying , born in Wuyi County, Jinhua in 1931, currently lives in Lishui .
narration Chen Jinying
main writer Niu Niu
01 With retirement salary, it will take at least 300 years to wait for
. Finally, I can sit down and take a breath.
I am 91 years old this year, with a hunched back and deep wrinkles on my face, but I have never been so relaxed.
In the past 10 years, I have not been thinking about how to pay off the money I owe.
When I was under great pressure, I took off my reading glasses , rub my eyes, and sat on the sofa in a daze.
I live in a small alley next to of Lishui Department Store, on the second floor of an old residential building.
The house is rented, and it costs 1,600 yuan per month. My 80-year-old cousin and I share the rent here.
The small alley at the door of my house
Many neighbors know me near me, and some of them are my customers who have bought my down jacket. They said that the quality of the old woman's down jacket is no worse than that of " Ailei ".
In my bedroom cabinet, there is a transparent file bag with three pages of paper in it. The paper surface is yellowed, and a stapler in the upper left corner is stapler. The three pages of paper are staplered together, and the stapler is already rusted.
paper contains 85 names, most of which are people's names, and some are bank names.
There is a long list of numbers to the right of each name, some are five digits and some are six digits.
This is not a lottery draw number, but the money I owe them .
At the end of the third page, there is a horizontal line drawn, and the following is: Total 20.7711.5 million
Before retirement, I was a Chinese medicine doctor at the Laozhu Town Health Center in Lishui. At the age of 52, I started my business and started a down jacket factory.
Someone has done a calculation for me. If I only use my retirement salary to pay off my debts, I will have to pay back 300 years of the money I owe.
In the corner of my living room, there are more than a dozen cardboard boxes full of clothes piled up. On the outer shell of the cardboard box, four large black characters can be vaguely identified: Xinghua down .
These were all brought back from the factory ten years ago during that incident.
They witnessed the "Xinghua Down" I founded step by step to its peak and then quickly towards loneliness.
02 52 years old, I took out all my deposits to start a business
My hometown is Huatang Village, Liucheng Town, Wuyi County. There are two tall ancient mulberry trees at the entrance of the village. The trunk of the tree cannot be held by one person.
My family has six brothers and sisters, my mother is a farmer, and my father is a pastry chef in the village. Before working every day, my father would shave his beard very clean and then dust off his body.
24 years old, I became an old Chinese doctor who was in the clinic at Laozhu Town Health Center. Laozhu Town is 20 kilometers away from my home and is now part of Liandu District, Lishui City.
I study and work at the health center. After three years of apprenticeship, I stayed in the health center as a traditional Chinese medicine doctor.
When I was young, I was
My wife works at the Agricultural Technology Station of Laozhu Town and is a veterinarian. We have a daughter and two sons.
In 1980, I was 49 years old and my daughter took over to work in the health center.
My daughter is a pharmacist, I am a Chinese medicine doctor, and my lover is a veterinarian. I joked that our family can open a hospital, and no matter whether people or pigs come, they can be treated.
My lover and I are in the back row, on the right is the eldest daughter, in front are two sons, and in the middle is grandma
After retirement, my lover and I live in Lishui city.
I have been a traditional Chinese medicine practitioner for more than 20 years, and most of the patients are farmers. Farmers work very hard and go to the fields all year round. Low back pain, knee pain, shoulder and neck pain are common. Going to the hospital requires a lot of money.
I want to develop a batch of waist protection and knee pads, stuff Chinese medicine into it, and can be worn for a long time.
, but it costs a lot to develop products and apply for patents.Where did I get so much money?
I want to do some business, make some money, and then develop those Chinese medicine protective gears.
My lover advised me that it is very hard to do business. I retire and live a stable life, don’t make trouble.
But my personality, I decide what I want to do, no matter what others say, I have to do it.
In 1983, I was 52 years old and took out all my savings - 3,000 yuan. I rented a house worth tens of square meters in "Huangnishan" on Sizhan Road, my home. I hired two workers and started a factory.
factory is named "Xinghua Down", which means revitalizing China.
03 She came to me from Wenzhou to find me
in the first year of starting a factory. We only made ten down quilts and sold them for 100 yuan.
The workers' wages cannot be paid, so I will pay for my retirement salary.
The second year, a big customer came. It is the plowing rake factory in Liucheng Town, my hometown. I have to send winter clothes to employees. The down jackets outside are very expensive. The factory leader found me and ordered 300 pieces of clothes.
And they pay half of it first. With money, I can get the materials.
After finishing the plowing and rake factory, the winery and school in my hometown also came to me and ordered more than 100 pieces.
With the help of the people in my hometown, the situation suddenly opened up.
In the third year, a female boss from Ruian, Wenzhou came to see me.
She is in her thirties, about the same age as my daughter, and dresses very fashionable. I don’t know, but she knew that I was selling down jackets, so she went straight to the factory to find me.
She said that she thought my down jacket was of good quality and wanted to open a store to sell my down jacket.
business has come to the door, of course, we started to cooperate soon.
Her store is open in Ruian and is directly called "Xinghua Down Store". She came to me to get the goods, and I didn’t receive the payment immediately, but told her, how much do you sell and how much do you settle the every three months. In the first year of her cooperation with
, she sold hundreds of pieces.
More and more people came to the factory to find me, and they all came here to see them. Everyone says that this boss can do business and can get the goods first and then pay.
Someone asked me: Are you not worried that others have taken the goods away and will not give you money?
I said, I believe there are many good people in the world. This is true. It has never happened since I started the factory and someone ran away with the goods.
Doing business is to talk about the word "faith".
04 Everyone rushed to lend me the money
The business is getting bigger and bigger.
In 1990, I spent 180,000 yuan to buy two factories in "Houqingqiao", one of which is more than 100 square meters. All the
production lines have been moved over, and the annual sales can reach 500,000 or 600,000 yuan.
We mainly make down jackets for the elderly. Compared with young people, down jackets for the elderly need to be thicker, warmer, and better quality.
The raw materials we use are very good, it doesn’t matter if the cost is higher, the quality must be good.
If the quality is a little worse, those old ladies will be too awesome to scold people.
2000, "Xinghua Down" has become a little famous in Lishui.
Many large orders have also come to the door, including one foreign trade order, which costs more than tens of thousands at a time. However, because our factory is small and the production capacity is limited, these orders were not discussed in the end.
I decided to continue to expand production.
In March 2004, I acquired a piece of industrial land in Shuige Industrial Zone (located in the western suburbs of Lishui), covering an area of five acres, equivalent to more than 3,000 square meters. There is a big road next to it, and the transportation is very convenient.
I returned to Laozhu Town where I used to work, my hometown in Huatang Village, Wuyi, and borrowed money from relatives and friends.
Everyone believed in me very much, and the interest rate I borrowed was higher than that of ordinary people, so everyone rushed to lend me the money.
I borrowed 5 million from the bank and raised a total of 16 million.
construction team drove the Jinshuige Industrial Zone in a mighty manner, and the construction of the new factory building of "Xinghua Down" has started. Not far from the new factory site is the famous "Feiyan" down factory. It was formerly Lishui down factory and was the first company in Zhejiang Province to produce down products.
Watching the construction team work hard, the outline of the new factory building of "Xinghua Down" gradually became clear. I believe that "Xinghua" will soar in the sky like "flying geese" and have a bright future.
"Xinghua Down" new factory
05 I spent ten thousand yuan to decorate the door
In May 2005, Xinghua Down moved into the new factory.
The new factory has two buildings, each building has four floors and a building area of more than 6,000 square meters. I spent ten thousand yuan to decorate the office door of the factory.
In front of a huge floor-to-ceiling mirror, there are two 1.8-meter-high ceramic vases on the left and right. In the middle of the two vases, there is an fortune tree and an eagle sculpture, which means spreading its wings and flying high.
The floor-standing mirror is directly above, offering the God of Wealth. There are two horizontal plaques on both sides of the God of Wealth: Quality is the first. Reputation is the most important.
Office building gate
On New Year's Eve in 2006, our family of more than a dozen people were celebrating the New Year in the factory. I specially hired two chefs and cooked a large table of dishes. Let’s raise your glasses together to celebrate the company’s entry into a new stage.
After the Chinese New Year, the factory started construction in February, but it only took over OEM orders. After one month of operation, the revenue was more than one million.
own brand of clothes were not produced until the end of March.
workers quickly expanded from the original twenty or thirty to more than one hundred.
I rented a store on the most prosperous Zhongshan Street in Lishui, two floors, with a rent of 250,000 yuan a year, and opened the first "Xinghua Down Store" in Lishui.
That year, the nine counties and cities in Lishui ( Qingtian , Jinyun , Suichang , Songyang , Yun and ...) and Wenzhou Ruian, Tiantai , Jinhua , Quzhou , and "Xinghua Down Store" were all opened.
In 2006, the revenue of the down factory exceeded 10 million for the first time. "Xinghua Down" is advancing all the way, like a car without brakes running wildly on the highway.
06 The bank said that I was old and didn’t give me a loan.
The factory made a lot of money, and I remembered the original intention of starting a factory.
In July 2006, I led the team to develop three traditional Chinese medicine protective gears. I personally prepared the prescription for Chinese medicine.
I applied for patents for all three products: medical pads for treating periarthritis of shoulder , cervical spondylosis ; waist belt for treating low back pain; knee pads for treating arthritis and rheumatism.
I have produced Chinese medicine protective gear worth more than one million yuan. Through the Jinhua Elderly Committee and the Hangzhou Elderly Committee, it is distributed to the elderly and drivers with poor waist for free... for half a year of experiments and observations.
According to the experimental data, my Chinese medicine protective gear has the efficacy of more than 90%.
Traditional medicine protective gear patent certificate
In 2008, I found Lishui Pharmaceutical Administration with the patent and test report and prepared for mass production.
Unexpectedly, the staff of Drug Administration of told me that you are testing privately and do not count. You have to take things to a regular large hospital for trial, such as: Lishui People's Hospital .
In addition, each patent has to be paid another 2 million, and the three patents are 6 million.
After the economic crisis in 2008, foreign trade orders were almost gone. In addition, I have spent all my energy on developing patents in the past two years, and my management problems in the factory have caused a significant decline in performance.
I can't afford that much money.
I feel like I'm being beaten up, and my hard work over the past few years has turned into nothing.
By 2011, the factory had already in debt of 20.77 million yuan and could not carry out production normally.
I borrowed 8 million from Bank of China, but the bank said I was too old and would not lend me a loan.
All the problems were pressing on me, and I felt so anxious that I could not hold on.
Friends suggested that I apply for bankruptcy protection.
But I learned that once a bankruptcy is filed, all assets will be sold, and the money raised will be repaid 100% of the bank loans first, and the rest will be returned to other creditors in proportion.
This means that the friend who borrowed my money could only get back a part of the money.
They are my relatives and friends. Every amount of money is their hard-earned money, and a lot of it is retirement and retirement money.
In the early days of my factory establishment, the villagers gave me great help. When I raised funds to build the factory, everyone also used money to support me, allowing me to raise a large amount of money in a short period of time.
Something happened now. If I can’t return the money to them, how can I have the face to face the villagers?
I made a difficult decision: not to file for bankruptcy, and repay it on my own.
It turns out that there are four shares in the company, one for me and my wife, and one for each of the three children.
I summoned my sons and daughters, held a shareholders' meeting, and asked them to withdraw all their shares. I borrowed all the money
by myself, and I don’t want my children to help me pay back the money. After the change of shares of
, I held 70% of the shares and my wife Pan Yingwu held 30% of the shares.
My wife and I assume all the company's debt responsibilities.
07 The factory was sold, and my wife also left me
In March 2011, at the age of 80, I closed the down factory in Shuige Industrial Park and dissolved the team.
The factory and equipment in the two buildings are equipped with a total transfer fee of 13 million yuan. The buyer bargained for 9 million yuan, and I couldn't bear to sell it, but there was no way. I was in a hurry to use the money, and I had to sell it even if I didn't sell it.
, a factory with an investment of 16 million yuan, was finally sold at a price of 9 million yuan.
I also sold the two factories in Houqingqiao. With the company's working capital, I also included the 9 million yuan sold by the Shuige Factory, and I raised a total of 18 million yuan, which was repaid, and there was still 2.77 million yuan in debt left. The sudden change in
made it difficult for my wife and I to accept it for a while.
My wife has a dislike personality and likes to keep her heart when she has something to do. We signed the signing of the factory together. After he came back, he was depressed all day long, as if he had lost his soul.
Two months later, one morning, I woke up and found that my wife was still lying down. According to normal times, he should have gotten up long ago.
I quickly asked him what was wrong?
He frowned and said, feeling uncomfortable all over, and couldn't say where the pain was.
I called my daughter and immediately sent my wife to the People's Hospital.
A few days later, my wife's body collapsed. My face is as yellow as wax, I can't eat any food, the meat on both sides of my cheeks is thin and concave, and my urine is also yellow.
After staying in the hospital for more than 20 days, my wife left me.
The hospital found out that it was " pancreatic cancer ". But based on my experience, pancreatic cancer will be very painful, and my wife always said it doesn’t hurt. I think there is something wrong with his "brave".
My wife and I
My wife and I have lived together for 60 years.
He did not support me in the factory. After I started the factory, he was afraid that I would work hard and came to help me.
When I was in Shuige Industrial Park, my wife once told me that she wanted to go to Chairman Mao’s hometown Shaoshan Travel
, but the factory was too busy and I couldn’t get away at all. Later, there was a problem in the factory and I had no energy to go out.
We originally imagined that one day we would pay off the debt and we would go to Shaoshan for a trip.
didn't expect that he left so soon.
The company owed a huge sum of money and his wife passed away. These two things happened immediately.
I feel like two mountains, and I can't breathe.When it was late at night, I sat alone in the empty room, thinking about what to do next.
08 In the cold winter, I pushed my tricycle out
When I left Shuige Industrial Park, I only brought out 20,000 down jackets.
I asked my relatives again that I borrowed 100,000 yuan and rented a small factory, half of which was used as a warehouse and half as a factory, and took some small orders. A few old guys were helping me.
After a year, it barely covers labor costs. But paying off the debt is far from enough.
In desperation, I was in my 80s and pushed a tricycle and put dozens of down jackets out.
When it's hot, no one buys down jackets, and business will be good in the cold winter.
Every time I go to a stall, I have to wear a hat, gloves, scarf, and wrap myself tightly. Even so, if I stand outside for a day, my legs will be frozen and numb.
I felt I couldn't hold on anymore, so I told myself that if I persisted, I might be able to sell another one.
Lishui's Liyangmen , Zhongshan Street, Laozhu Town, Gui'an Village , I have all set up stalls. If you are a little further away, you will have to hire a car. I have been to Quzhou and Jinhua.
Once, I contacted Wuyi Tongqin's senior activity room, and they agreed to let me sell the down jacket.
I hired a truck, loaded hundreds of down jackets, covered them with oil cloth, tied them with ropes, and transported them over.
As soon as I put out the goods, three old men came over, who were younger than me.
They said, "Old woman, how much does this down jacket cost?"
I said, "150 yuan per piece, the cost is priced."
They said, " You give us a little cheaper, one hundred yuan per piece, we will bring you a group of people to ."
I agreed, I sold them three for 100 yuan.
Twenty minutes later, the three of them came back and brought more than a dozen people over.
I was very happy at first, and someone came to buy clothes. didn’t expect that they all cost 100 yuan each.
I explained that I came to clear the position, and 150 yuan is already the cost price, and I don’t make a penny.
They refused, they must make one hundred yuan each. I didn't sell it anymore and came back packing my things. The fare for the truck is 1,600 yuan for the round trip. lost more than 1,000 yuan this time.
My old house lives on the first floor, next to the Oriental Hotel. In 2015, I separated my home by more than a dozen square meters, placed several shelves, and hung my clothes as a simple store.
I live by numbers every day. Whenever I get a repayment, I call the creditor and ask the creditor to come and get the money. Then put together a few more numbers and repeat them.
09 On New Year’s Eve, there was a rapid knock on the door
On New Year’s Eve 2017, I had no penny on it, and the dishes for the New Year’s Eve dinner were bought by my daughter.
The son and daughter came to me for the New Year, and the whole family was lively. The grandson, who was a soldier, also took a family leave and came back to celebrate the New Year with me.
Grandma sent me a red envelope and said, "Grandma, you don't have much money on you usually. Take this money and buy something to eat. Don't pay off the debt first."
I opened the red envelope, and there was 2,000 yuan in it. I took out the money and put it in my chest pocket.
After the New Year’s Eve dinner, everyone left, and I was the only one left at home.
At around 11 o'clock in the evening, I leaned against the head of the bed, turned on a desk lamp, and the Spring Festival Gala was placed on the TV.
I fell asleep in a daze, and suddenly, there was a rapid knock on the door, "dongdongdongdongdong".
I suddenly woke up. It's so late, who's still knocking on the door?
I asked in the direction of the door, "Who?"
A sharp female voice outside the door: "Debt collection."
" Well, there are still debt collection people on New Year's Eve. "I murmured to myself and got up from the bed.
I opened the door. It was my former colleague. I was in my seventies and I still owe him a few thousand yuan.
I said, I really have no money anymore, and I will give it back to you immediately if I have money.
She walked into the house, sat on the sofa in my living room, and said loudly: "If you don't give me money today, I will live in your house and spend the New Year with you. ”
I smiled bitterly and said, “Okay, my old lady is still deserted alone. ”
She had a firm attitude and said, “I have to pay back the money today. "
I remembered the two thousand dollars in my pocket, took it out and said, "It's just this little money, it's not warmed up yet. "
She took the money, ordered it, and left.
I went back to the bedroom. The Phoenix Legend was singing "Happy Night" on the TV, but I couldn't be happy. I felt like Yang Bailao in "White Hair Girl", and my heart was cold.
There is still one autumn, and the temperature is similar to now.
On the night, I sat on the sofa and heard the "clang" knocking on the door outside hard. The metal door was shaken. As soon as the door opened, more than a dozen people stood in the corridor. The old one was fifty or sixty years old, and the young one was in their thirties.
The leader was a man, about 1.7 meters tall, flat. I owed him 20,000 yuan.
I said, "What are you bringing so many people to collect debts? If you are here to collect debts, you don’t need so many people. If someone comes to fight and gets me into the hospital, 20,000 yuan is not enough for medical expenses. ”
He said, “If you don’t pay back the money, be careful I will sue you.” ”
I said, “I will definitely pay you back if you have money. If you don’t have money, the same will happen if you bring you many people. "
comes to collect debts often in my house. There is no way, after all, I owe others money.
encounters people who are more aggressive and those who are urgent, so I can only pay it back first. Relatives and friends who have good relationships understand me better, so I will put them back.
10 The factory was sold, and she also came to me to get the goods
Ye Suzhen is my old neighbor. She used to work in a clothing factory.
In 2017, she resigned from the factory and came to my house to help. She was very quick in her hands and feet, and her mind was very quick.
She saw that the clothes at my house were all old styles from seven or eight years old. She suggested that I could go in some new styles and sell them with the old styles.
I listened to her, and the business was indeed much better than before. .
I have a monthly retirement salary of more than 5,000 yuan, and I give Ye Suzhen a salary of 3,500 yuan a month. I have more than 1,000 yuan left. I deduct my living expenses and use the excess to repay the debt.
There is also the female boss who I have run a factory for three years and came to Wenzhou to find my mother. She is also in her seventies. We have worked together for more than 30 years and have long become friends.
In my most difficult time, she comes to me to get goods every year and supports my business.
In 2017, a friend who opened an online store found me and helped me hang down jackets online to sell them. Some anchors came to my house to broadcast live.
The power of the Internet is very powerful, and customers don’t have to come to my door, so my clothes are sold.
The best month, I sold more than 100,000 clothes online, but I couldn’t even send them a express delivery.
We Liandu District html l5's "Xiaohe Volunteer" comes to my house every day to help me organize my clothes and pack and ship them.
"Xiaohe Volunteer" has more than 300 elderly people, more than 200 have bought my clothes, and some have more than one piece.
Thanks to the volunteers
On the eve of the Spring Festival in 2018, I paid off the largest bank loan of 550,000 yuan.
There are still 300,000 yuan of personal debt left.
I found a big piece of red paper, wrote the words "Thank you letter", and wrote the names of the people and companies that have helped me over the years, and posted them at the gate of my house.
In order to thank the society for its help, I donated a lot of clothes
In 2019, the old house next to my "Oriental Hotel" was demolished and two houses were divided. It was too far away. It was inconvenient for me to open a store, so I lived for my grandson. Two grandsons, one set of each person.
Each of them gave me 100,000 yuan, and I used it all to pay off my debts.
I rented a small house in a small alley next to the department store, and rented a store next to me. The rent was 60,000 yuan a year, and continued to sell down jackets to pay off my debts.
Lishui Department Store
11 In front of him, I tore the notes into pieces
2021, I am already 90 years old.
2/5, one week before the Spring Festival. The wind blows on your body, and you feel like spring.
I put on a dark red tweed coat, wrapped it in a scarf, and combed my hair neatly. I took a handbag and rushed to Jinhua to do something very important.
Huatang Village, Liucheng Town, Jinhua City, my hometown, the two ancient mulberry trees at the entrance of the village are still there, tall and stout, the leaves have fallen, and only the bare trunks are left.
walked across the country road, pushed open a wooden door, and entered the yard, where there was an old wooden house.
This is my nephew's home, he is waiting for me in the yard.
I took out seven stacks of money from my handbag, and each stack was tied with white paper strips, one stack of ten thousand yuan, a total of seventy thousand yuan.
I held the money in both hands and handed it to my nephew.
The nephew was a little embarrassed and said, "You had such a big deal, and I was not going to ask you to pay it back."
I said, "This is the money you borrowed from me, and you must pay it back."
I took out a wrinkled IOU and tore it into pieces in front of my nephew.
My nephew is 67 years old. He works at home all year round. This money is not a small amount for him. Moreover, his money was not lent to me when I started a factory, but when I owed it, I borrowed it to repay the debt.
The last repayment
On the way home, I leaned against the car window, and the scenery outside the window flashed one after another.
I feel extremely relaxed. This is my most relaxing moment in more than ten years.
Back to Lishui, I didn’t go to the store. I went to the barber shop at the intersection to get my hair, went to the supermarket to buy the pastries I liked to eat, and spent 1,000 yuan to buy a new TV.
How many days are there before the New Year, and my store is not ready to open. I want to give myself a vacation and have a good rest.
Finally, I no longer worry about someone coming to collect debts. I can have a good year.
In July 2021, I also won the "National Honesty and Trustworthy Moral Model Nomination Award" . The organizing committee introduced me as the person in charge of Lishui Xinghua Down Products Co., Ltd.
I am very happy that "Xinghua Down" is still there, which means I have not broken my trust.
Before, when I started a factory, I often did charity and donated clothes. After paying off your debt, you will do less and you will find it difficult to protect yourself. How can you help others? After paying off my debts, I started to do charity again.
At the end of 2021, I donated more than a thousand pairs of down pants.
This year, I returned the store next to the department store, and the rent was 60,000 yuan a year, which was too much pressure.
I rented a new store on the first floor of Lishui Building, a few hundred meters away, which cost only 20,000 yuan.
The wall was only painted with white paint, and a locker room was separated by wooden boards. It was simple and there was no more decoration. Against the wall was a sewing machine I moved from the old shop.
, and then after a while, the weather was cold and the store opened.
I still have some inventory, I want to clear them out, send them out and sell them.
There are many patients who come to me for treatment. I will prescribe them and I will not charge a penny.
I have experienced too many things in the past few decades and feel physically and mentally exhausted.
Now, I just want to sit on the sofa and rest quietly for a while.
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