How to start in scratch, successfully crossing many financial crises, and operating a huge business empire. This book gives you a good answer.Dr. Li Wenzheng is the founder and chairman of the Board of Directors of the Libao Group in Indonesia. He has operated the bank for 46 years and has a wide range of influence in the banking industry. Later, he operated land and information resources., Internet, technology and other fields.This book is a masterpiece of the author's devotion, summarizing the course and experience of its own entrepreneurship, running a huge corporate kingdom, and a deep understanding of life, which is fascinating.This book is suitable for both MBA teaching cases in colleges and universities, but also for business people to learn from and learn in the process of entrepreneurial innovation.The life perception and entrepreneurial spirit expressed in this book, and the traditional Chinese culture that integrates in corporate management, unique value, is also inspiring to ordinary readers.The first background of my life / 4 The first part of the first part of the first 20 years (1929-1950): What to use for a hard childhood and youth child in the future / 10 years old to lose the pain of my mother / 12 lottery tickets/ 13th Japanese Army's Cruel / 14 No Parents' Little Gamblers / 15 My President Luo Yitian / 15 to study in Nanjing Central University / 16 Limei's letter saved my life / 19 part of the second part 20 20.Year (1951-1970): Simultaneously building a national economy with the Republic of Indonesia traveled to Java Island / 22 my marriage / 23 potted tree length / 25 dreams to become banks / 28 banks are credit / 29 horses chasing horses/ 31 Story of Cosmic Bank / 34 The Story of Ganxin Bank / 38 Father's Teaching / 41 Limei's Wife Road and Mother Tao / 43 Part III 20 years (1971-1990): In Economic GlobalizationThe big background of the globalization of the economic globalization of the trend / 46 Establish a payment liquidation center / 50 secrets of the Gaofa Central Asia Bank / 52 Opportunities in the backward / 62 Story of Salt Warehouses as customers / 65 Fighting United Level to become customers' unique tricks for customers to become customers./ 67 National Savings Movement / 69 BCA Credit Card, ATM, Electronic Bank / 71 using foreign funds / 73 to buy banks in the United States / 74 Union Planters Bank's story / 75 stands on the giant's shoulders / 78 FinanceThe industry's big opening and "PACTO 88" / 79 -12 months of the Central Asian Bank successfully opened 150 branches / 81 Central Asian Bank opened branches in New York, USA / 83 with Mr. Lin Shaoliang / 84 Libao Group / 86The model of the Jewish development in the United States / 87 Japanese development in the United States / 88 Indians' Life Model in the United States / 89 Stephen Company Model / 90 President Bill Clinton in my mind / 91 and Mr. Li Ka -shing's friendship /93 Enterprise Globalization Trilogy / 95 Libao Bank's predecessor / 96 Bank products and functions / 99 Speech at Harvard University / 103 (Attached to the original text: Future Development and Trends in the Pacific Basin)Reform Plan / 121 Recruitment Buy Horse / 123 Bank's Informationization / 124 12 months of Libao Bank opened 100 branches / 125 Libao Bank listing / 126 Secrets of successful horses / 129 Libao Life Insurance Company / 130Use the strategy of using overseas funds to support banks / 133 Information Technology and Multi -Permium / 134 The Story of Chengxing Bank of Macau / 137 The Story of the Chinese Bank of Hong Kong / 139 "People Return to Me" / 141 Story of Hong Kong Libao Plaza / 142The fourth part of the fourth 20 years (1991-2010): The Century / 144 Indian economy from the Atlantic Ocean to the Pacific Economy has five distortions / 146 from investing in India's reform from the investment of the Meizhou Bay Power Plant / 149 and 149 and and withSupreme Leader's Forgotten New Year / 153 Development. When Granda Karavacci is a high -end residential area / 155 Development Pionee Chicago becomes the most important industrial park in Indonesia / 158 to turn the wasteland into a beautiful cemetery / 159 land resources developmentBusiness / 161 Crisis / 162 Concept of separation of business rights and ownership / 163 Revelation of the Great Squeezing in 1995 /164 Enterprise Health Examination / 168 Labels of Libao Bank / 171 in Indonesia / 171 Land in Asian Financial Storm in AsiaIt is resources, but also an industrial cluster that is derived from raw materials / 175 land resources / 177 hospitals are public welfare, and the wish of industry / 178 education / 182 I and I discussed "nano -technology and enterprise management" at Southeast University / 191 Hope at Southeast University.UPH University (UPH) / 193 Hope Light Primary and Primary School (SPH) / 195 Mazhong University and Malang Middle School Alumni Association / 198 Li Bai and Li Li's work spirit / 200 children are stronger than me / 202 Li Li chose Singapore as the most important milestone of the industrial mileage of Singapore / 205 Singapore / 207 —The challenge of the acquisition of Singapore Hua Lian / 208 Li Li / 210 to increase the market value of Hua Lian, Singapore / 212 Los Angeles Skyscraper / 213 Limei just wants to be a good wife and a mother / 214 part of the fifth 20 years (2011 to the present to the present): The global economy who became the model of the descendants entered the new era / 218 AIIB and the Indonesian maritime peace corridor / 220 Indonesian middle class formation / 224 family business Evergreen / 225 enlightenment / 229 I was born in 1929.Starting from memory, what I have experienced is war, escape, disaster, and death and poverty.The journey of life is bumps, full of variables, and the future is always unpredictable ..Surat Investment. This is the opposite of my current situation.By May 12, 2015, I have lived in the world for 86 years.I have never thought that I will live for so long. There are 96 people in the fourth family of the family, and I have so many careers.For more than 20 years, I occasionally chat with new and old friends. Many friends advised me to write an autobiography, especially Mr. Gu Guanqun, the principal of the alma mater Southeast University (formerly known as Nanjing Central University).But I always think that there is an unexpected situation, and I dare not write myself because of the future.My story is best to build a coffin, and then write by others.In the spring of 2014, Yu Jieling, who settled in the United States, invited me to go to the Middle East to do the "Bible" for the "Bible".During the twelve days of travel, we got along day and night and visited the Bible every day?The historic sites described in the Old Testament, on the way along the way, the well -known Yu brothers gave a vivid explanation everywhere, confirming the Bible records.We enjoy the Word of God sooner or later, and benefit from goodness.During the journey, Yu Jieling brothers always led me to chat, and I also described freely.Unexpectedly, after 20 days of breaking up, Yu Jieling brothers sent me 106 pages of "Li Wenzheng Brothers Oral Record", which was happy and moved after reading.This oral record gives me an inspiration: Perhaps my 87 -year experience in my life is still fascinating. More importantly, I can remember the past, at least let my descendants know how my huge family business today has nothing to do.From small to large, from small to large, after thousands of hardships, it has accumulated after a lifetime.I hope that the descendants can truly understand the true meaning of "diligence and meditation, frugality to nourish morality".In addition, my father's full -time story and his way of being able to infect my descendants may be infected. I look forward to being passed down from generation to generation. They can do their best to be a good father or good mother, and they can be a responsible national.I have experienced many cruel wars, and these experiences have made me yearn for peace.World peace, social harmony and family harmony are my biggest dreams. What I can do is to work hard to guide family harmony, corporate harmony, colleagues and interbank harmony.Together.I hope that this "Autobiography" can attract the bricks and refer to this concept to a deeper layer and richer range.The writing of this book is to thank my wife and children for giving me spiritual support and encouragement, and to thank my assistant Mr. Zhou Peng for the correction work and Mr. Chen Kaicai's Indonesian translation work.My experience is divided into five stages, each stage is exactly 20 years: the first 20 years (1929-1950): the second 20 years of hardship and suffering childhood and youth (1951-1970): and IndonesiaThe third 20 years (1971-1990) in the era of the Republic of the Republic simultaneously built the national economy: the fourth 20 years (1991-2010) in the era of economic globalization (1991-2010):Five 20 years (2011 -to this present): The old man of the old man who became a descendant model, the background of my life, has passed in 87 years.The past is like the recorded documents that have not been sorted in the archives room.I never thought about writing autobiography. I didn't even have the habit of writing a diary, and I didn't have the experience of writing biography.How to finish and narrate is actually not easy.Indonesia announced its independence on August 17, 1945, and immediately issued the Indonesian Republic Currency (OEANGREPUBLICINDONESIA) and gradually replaced it back to the Japanese military government issued by the Japanese military government in Japan.At that time, the area occupied by the Netherlands also issued its own banknotes called NICA, so from 1949 to 1951, there were three different banknote circulation on the market in Indonesia.At that time, the currency of the Republic of Indonesia at that time due to inferiority and forgery, the currency banknote circulating in the market on the market had a large number of pseudo -Indonesian Republic's currency banknotes, and the 8 and a half -year consecutive war caused low production and lack of supplies, which caused serious malignant inflation.People don't talk about life.On March 10, 1950, Mr. SJAFRUDDIN, the Minister of Finance, Indonesia, took monetary reform measures to cut the Ticket 5 Indonesian Shield (RP5) or above.The right half of the right is based on the 50%amount of the ticket to the Bank of Indonesia with a 40 -year -old annual bond of 3%.The purpose of this measure is to unify the currency of the Indonesian Republic, and at the same time increase the wealth of the country, and reduce the amount of currency circulation to curb inflation.Unfortunately, this measure is not accompanied by a feasible economic construction plan, so it has not achieved the expected results and failed to completely improve Indonesia's economic difficulties.Indonesia's independence has been a long -term war that has gone back from the Dutch to regain the power from the Dutch. Unlike other Southeast Asian countries, the independence of Southeast Asian countries is the colonial government after the second world war.Helplessly was forced to give independence to countries in a peaceful transition.Therefore, the Indonesian nation is more political, and 48 political parties have appeared after independence.Since then, the Indonesian party has endlessly affected the economic construction, which has greatly affected economic construction, leading to financial bumps, inflation, and currency depreciation. Nine years later, West Asia's currency cutting policy can be said to be completely failed.On August 25, 1959, the Indonesian government once again adopted monetary reform measures. This time the measure was to reduce the amount of banknote from one zero, that is, the 500 Indonesian shield tickets had only 50 Indonesian shields.There are only 100 Indonesian shields in the banknote. At the same time, the customer's deposit of more than 25,000 Indonesian shields in the bank freezes its deposit.The purpose of this monetary reform is mainly aimed at the wealthy class. Unfortunately, this measure not only scared away funds, but also lag in domestic production, and the overall economic situation was chaotic, thereby ambush a greater political crisis.President Sugano is a strong politician of the nation. He struggled with colonialism throughout his life. His strong anti -imperialist thought made him socialism.During his administration, he strongly advocated the five principles of the founding of the People's Republic of China.In April 1954, China and India signed the "Sino -Indian Tibetan Land and India and India" in April 1954. This agreement is referred to as the "Tibet Agreement" or "Panchahra Agreement Agreement" or "Panchahra Agreement Agreement"Because the preface of the agreement establishes the five principles of peaceful coexistence, the five principles are called" Panchahra "by India.Hila "is not only synonymous with the five principles of peace in peace, but also synonymous on the founding of the founding of the Indonesia, that is, the five basic principles of" belief in Shinto, humanitarianism, nationalism, democracy, and social justice ".) Become the political ideas of the Indonesian nation.His diplomatic strategy is a nation that United Asia and Africa have been invaded by colonialists. They are opposed to Western capitalist countries. It is an alliance that he advocates holding Asian and Africa conferences and setting up the world's anti -imperialism.Under the influence of Sugaro's thoughts, Indonesia fought against Malaysia and Singapore in 1963, and continued to fight against the Dutch colonial government to regain Irian Island.President Sukaro has achieved a brilliant victory on these political issues, laid the international status of the Indonesian nation, and strengthened the self -esteem of the nation.We should admit that President Sugano is the national hero of Indonesia, which is worthy of our pride and worthy of our respect and praise.But on the other hand, Indonesia's economy has fallen into trouble.Western countries have adopted a policies for exclusion, siege and isolation on the Indonesian government, especially in terms of economic strict crackdown on economic aspects, and Indonesia is in a dilemma of deep water.Before 1953, the exchange rate of the Indonesian Shield and the dollar was below the Indonesian Shield with 1 US dollar; by 1959, the Indonesian shield had depreciated to $ 1 against the 45 Indonesian Shield; by 1965Indonesian Shield; and in the Asian financial turmoil in 1998, the Indonesian Shield's exchange rate on the US dollar had depreciated to $ 1 against the 18,000 Indonesian Shield.On December 19, 1965, the Indonesian government carried out another financial reform to remove the bills of banknotes three zeros. In other words, the currency depreciated to one thousandth.The currency depreciation has led to recycling inflation.The inflation rate in 1966 has reached 650%, while bank deposit interest is as high as 20%of the monthly interest, and Indonesia's economy is almost in a state of bankruptcy.From 1955 to 1965, the fighting between political parties was endless. Almost every year, the cabinet had to be changed. Politics was turbulent, economic recession, inflation, silver roots were tight, and their debt was piled up.Therefore, a bank crowded storm occurred in 1967, and 17 banks closed down within 15 days. If the central bank did not take the rescue at that time, I believe that all Indonesian banks will close.Especially in the Asian financial crisis that occurred in 1998, the banking industry in Indonesia was invaded. At that time, the entire industry was in a state of rains. Even the Indonesian Central Bank and the Ministry of Finance were in a state of bankruptcy. They must request the International Monetary Fund (IMF) andWorldBank rescue.The economic crisis triggered a political turmoil and eventually led to the fall of Suharto regime.Since Indonesia's independence, many times have been in the economic state of high inflation. The most harmful is the working class, especially the national civil servants.For a long time, the monthly salary of civil servants is only seven days of expenses, and the rest rely on the old things that are turned into the seller to live.After a long time, the things at home have been sold, so the civil servants are in the office, and the loved ones who are thinking about the family are either sick and have no money to do medical treatment, or children have no money to pay tuition fees.Unbearable.These civil servants finally discovered that the power they had in their hands could be sold for money, and the life was well spent after money.So one person did a hundred people, and he took the ups and downsPune Stock. Since then, Indonesia has fallen into the quagmire of corruption in officialdom. These corrupt bureaucrats have deepened the sluggishness of the Indonesian economy.The Indonesian people are now vigorously rectifying the corruption of bureaucrats through the KPK (Corruption Commission). I believe this will be another victory since Indonesia's independence.The third 20 years of my life has gone through the era of economic globalization, and the fourth 20 -year era has experienced the era of the World Economic Center from the Atlantic Basin to the Pacific Basin.Faced with the great transformation of the times and the turbulence and economic bumps in Indonesia, these pressures made me develop a high sense of crisis. The future seems to be unpredictable and blessed.But I also realized from it: the crisis is the source of vitality, and there is always a huge vitality hidden in the crisis.In the past 65 years, both the economy or politics has undergone the test of the wind and waves. This seems to be the only way for a nation's growth process and the inevitable phenomenon of building steel.Today, the Indonesian nation can proudly say,We are one of the most mature democratic countries in the world and the tenth largest economy in the world. Indonesia is moving into a new century.Libao Group grew with the economic and political growth of the Indonesian Republic. It can be said that it was difficult and grown together with the Indonesian Republic.For decades, it has also experienced strong winds and waves, and hard -working and hard work has today's Libao.The 65 -year -old history of the Republic of Indonesia is the background of my life experience.My life experience is closely related to the 65 -year history of the Republic of Indonesia.This is the starting point and motivation of my writing of autobiography.The first 20 years of my life were hard and suffer from childhood and youth.I have experienced four wars, first of all, the warlord searches of India, the second is the war in Japan invading Indonesia in World War II, and again the Indonesian Independence Revolutionary War. The fourth time was the Kuomintang and Communist War that I encountered in university in Nanjing.The experience given me to me is cruel, destruction, hunger, and death.After the pain of war, I thoroughly understand the cuteness and happiness of peace, which also allows me to keep my life that I do n’t fight with others. I am convinced that tolerance and reconciliation are the foundation of success.Part 1 (the first 20 years 1929-1950): When the hard-working and suffering childhood and youth will be used in the future, my grandfather (Li Jincai) in his hometown in Xindian Village, Jiangkou Town, Jiangkou, Putian County, Fujian Province, Father (Li Yamei) brought his family to his hometown from Malang County, East Java Province, Indonesia to visit his grandfather.Soon my grandfather died of illness, and my mother stayed with my hometown to accompany my grandmother.This residence is 6 years, and we returned to Indonesia Lang in 1935.In the past 6 years, the old Indian local warlords were cut, the war was rolling, the society was turbulent, the military and police were afraid of the police during the day, and the bandits were afraid of the bandits at night.Xindian Village is close to the Fuxia Highway. It is a must -have place for soldiers. There are about 200 households in the village. Except for a family named Chen, the others are all surnamed Li.My family moved from the suburbs to the village of Xindian, and my father was the sixth generation.The village is a long street with a fortress at both ends.In the impression, the villagers have firearms to protect themselves, and their lives live very restlessly. They often escape from the tombs of the mountains to avoid the battle of various warlords.In this situation of war, the loving grandmother urged his father to bring us back to Indonesia as soon as possible.The grandfather had a brother named Li Tianding. One of his grandson was Li Wenxi. After graduating from the military academy, he was at least the head of the school camp. He was the only soldier in the village.I have two uncle Li Zhongfang and Li Qingsong, the only one who has received higher education in Mumbai.My grandfather is the second richest farmer in the village. It is said that it has about 30 acres of fields. The ancestral carpenter in the family also operates renting. It is the first 20 years: the hard -working and suffering childhood and youth are the loan business in the countryside.The grandmother in memory is very wise and prestigious. The people in the village respect her very much.Uncle Si told me a period of things when I was a kid.When I was about 4 years old, one day I suddenly asked my grandmother very seriously: "People in our villages now rely on the wood on the mountain to cook rice, but the wood on the mountain will almost be cut off. What will we rely on in the future?"At that time, my grandmother replied calmly: "Child, you ask well. God created the universe is perfect. He has made a complete arrangement for others. If the tree is burned, you can grow again, and there must be other things to replace.Worried. "I am the eldest grandson at home and the only male grandson, so my grandmother loves me the most, takes care of my life, and picks the best food for me.In my hometown 6 years, I almost stayed with my grandmother. She was sheltered, and no one dared to scold me.When my father wanted to take us back to Indonesia in 1935, I cried for several days, dragging my grandmother, and was reluctant to leave her.One day, my grandmother took me to a temple, where it was quiet and beautiful.I still remember so clearly that she said to me seriously: "Children, although my hometown is beautiful, but you see that the people here are poor because there is no ability. You must go to foreign countries to learn the skills, learn the ability to come back, and do things for your hometown.. Children, go out to come back. "I always remember the words of my grandmother," go out to come back ", but I have never understood the true meaning.In 1990, I returned to Putian and embarked on the hot soil of my hometown. For a moment, I finally realized that my grandmother wanted to tell me.The hometown is because there is no industry and no industry because there is no water and electricity.I decided to invite the Asian Development Bank and the International Monetary Fund's subsidiary International Financial Company (IFC) to jointly raise funds to build the Putian Meizhou Power Plant, hoping to build the Petrochemical Industry Center and Steel Industry Center of Meizhou Bay.The folks put a large stone in front of the Water Plant in their hometown, which is engraved with the four characters "Drinking Water Source" as a memorial. Seeing these four words, I think of the words that my grandmother told me, "Go out to come back".EssenceIn 1935, the family returned to Indonesia after thousands of hardships.More than a hundred passengers on the same boat went from Xiamen to the ship and ashore at the port of Surabaya.The weather in Surabaya is hot, and we are full of sweat. We must be patiently lined up to be reviewed by the Dutch colonial government immigration officer.This is the first time that I have seen red -haired blue eyes, tall and large white people. They all look proud and strong, treating Indians as prisoners.At that time, I was so scared, and the weather was sultry. I couldn't help thinking of my grandmother and my hometown. I cried again. My mother hugged me to comfort me and told me not to be afraid.When I arrived at Malang, I went to Nanqiang School to study and met many classmates.One of them opened a restaurant at home. Once when he was playing in his house, he suddenly heard the Dutch in the previous restaurant scolding and scolding., Impolite, but this was normal in Indonesia at the time.At that time, the Dutch often made trouble because of a small matter of sesame, because they thought they were ruler and always wanted to be superior.When I lost my mother at the age of 9, when I was 9 years old, my mother was pregnant with her sister. At that time, there was no hospital in the countryside. Women gave birth to the mother -in -law at home.At that time, the family was waiting outside the room. I only heard my mother shouting in the room. I heard that it was difficult to give birth. The father was restless. The family was anxious, but helpless.In the end, my sister gave birth, but my mother left us forever,Since then, I have become children without a mother.His father hung his mother's photos in the center of the house and placed the incense table. During the seven seven forty -nine days, he prepared vegetarian vegetables early at 5 am every day.Time to order candles and read the scriptures overwhelming.His father often stared at the statue of the dead wife and shed tears alone.In the long years after seven or seven, my father remembered that his mother still cried secretly.His father has since been his father and a loving mother. He often has to replace

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