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On November 2nd, 2035, the Global Finance magazine made an exclusive interview with Ms. Zheng, president of the Agricultural Development Bank of China. For years, Ms. Zheng has been devoting herself to the innovation of Chinese rural financial institutions. Under her leadership, 500 million Chinese farmers have been lifted out of poverty over the past ten years, and the current situations in some rural areas of China have surpassed most of the Western developed countries. The following is the content of the interview:

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Interviewer:

I am very happy to have a close contact with you, Ms. Zheng. I have interviewed a lot of successful people in financial field, so I want to ask Ms. Zheng, how do you define success?

Ms. Zheng:

It depends on what problems you have worked out. In China, agriculture is the primary industry. Although China has much more farmers than any other countries in the world, the commercial financial institutions have almost quit the rural market. Twenty years ago, my internship in Deloitte had a great influence on my career. During my internship, I did some research on credit issues in Chinese rural areas. I found that the credit amount was compressed a lot, and the repayment conditions were very harsh. Although there was a strong demand of the farmers for a more open agricultural financing environment to develop their production conditions, the banks restrained groups with lower credit worthiness in their eyes for profits. The farmers' production and development need funds, and this is the biggest problem for me. Solving the problem or not can judge my success.

Interviewer:

So, your definition of success is to help people?

Ms. Zheng:

My definition of success is that you can solve the problems in some areas. Of course, this will certainly benefit a particular group of people. To help people is the ultimate goal, but first of all you need to solve the problem.

Interviewer:

You let the funds flow to where they are most needed.

Ms. Zheng:

Perhaps this is the real intention of finance. It doesn’t need much innovation in nature, and the approach of innovation is to let the money go where it is needed.

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Interviewer:

So at present, what have you done to change the financial field of rural China?

Ms. Zheng:

We are extensively developing the agricultural insurance, and improving a sound system of agricultural insurance. We call on the government to set up agricultural risk fund, with the risk shared by the state, insurance companies, and farmers. Moreover, we’ve set up several policy-based insurance companies. The agricultural insurance is independent from traditional insurance. This is a very challenging move that involves many different organizations and groups.

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Interviewer:

I wish you success. Are there any secrets in your success?

Ms. Zheng:

It’s Passion! You should be passionate about what you do. And in the process, you need to find solution to every problem constantly. At the same time, you should have a good team… (此處陳述了自己在某個組織當中擔任leader，帶領團隊克服困難解決問題達到目標的事例)

Interviewer:

It seems that you have very good problem-solving experiences at school. People are all interested in the experiences when you were a student, can you tell us another story?

Ms. Zheng:

I can tell some of my experience in Deloitte… (此處介紹了德勤實習期間的一段具體項目經歷) 

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Interviewer:

I’ve heard that you contributed 500 million dollars to the Carroll School of Management, Boston College last year, which was the biggest alumni donation in amount Boston College has received in the last 10 years. 

Ms. Zheng:

Yes, the donation is to represent my gratitude to Carroll and Dr. Ronnie Sadka. And I believe this educational experience can not be equated with the help that Carroll School of Management offered to me and the improvement I got in my horizon and professional skills.

Interviewer:

I wish you more success in the future.

Ms. Zheng:

Thank you!

（完）