张明今年刚过30岁,原来在一家国有商业银行工作,去年单位实行买断工龄,他在拿了一笔补偿金后,成了失业人员。回家后,张明便想进行个人创业,但自己一没有技术,二没有太大的本钱,再说在机关养尊处优惯了,对能否适应激烈的市场竞争他没有丝毫把握。无奈之下他开始了打工。他硬着头皮进了一家老同学开的装修公司,在行管部干一些杂活。后来,朋友的公司需要贷款,财务部门找银行办理贷款时不是手续不全,就是表格填写错误,办了一个多月也没有把贷款办下来。这时老同学想到了从事过银行工作的张明,于是便把贷款任务交给了他。由于张明熟悉业 Zhang Ming, who just turned 30 this year, originally worked in a state-owned commercial bank. The unit bought out his working years last year. After taking a compensation payment, he became an unemployed person. After returning home, Zhang Ming wanted to start his own business, but he did not have the technology, and he did not have much capital. He said that he was not accustomed to organ retiring, and he did not have the slightest confidence in adapting to fierce market competition. In desperation he started working. He braced himself into a decoration company opened by an old classmate and did some miscellaneous work in the Administration Department. Later, a friend’s company needed a loan. When the finance department went to the bank to apply for a loan, it wasn’t a matter of incomplete procedures. It was an error in the form. It took more than a month to complete the loan. At this time, the old schoolmate thought of Zhang Ming who had worked in banking, and he gave him the loan. As Zhang Ming familiar with the industry