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1996年8月,李鑫胤从中行湖南省分行走马上任,来到地处湘西山区的怀化,任中行怀化分行行长。 资产质量差,帐面不良资产达60％,收息率仅38％;资金缺口大,长期贷差,亏损严重,人均年亏损近8万元;违规操作多,此时的中行怀化分行,似乎成了一个百病缠身的重症病人。 领导的期望,亲友的担忧,下级的希望,李鑫胤一下子成为众人嘱目的对象,他感到了这副担子的份量。
In August 1996, Li Xinyin took office immediately from the branch of Hunan Provincial Bank of China. He came to Huaihua, a mountainous region in western Hunan, and became the president of Huaihua Branch of BOC. Asset quality is poor, the book bad assets up to 60%, the rate of return is only 38%; large funding gap, long-term loans, serious losses, per capita annual loss of nearly 80,000 yuan; illegal operations and more, this time the Bank of China Huaihua Branch, it seems Has become a sick patient. The expectations of the leadership, the concerns of relatives and friends, and the hope of the lower authorities, Li Xinyin suddenly became the target of all the people’s orders. He felt the weight of this pair of burdens.