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On May 12, 2008, the Wenchuan earthquake was like a ruthless sickle, harvesting more than 80,000 lives in an instant.
Xiao Zhang, a bank clerk, flipped through the death list with trembling hands, and suddenly realized that the problem was far more complex than he could have imagined. It is not only about the fate of tens of thousands of families, but also affects the nerves of the entire financial system.
How will government departments and financial institutions respond to this unprecedented challenge? A difficult problem about the disposal of the property of the living and the dead has begun.
In the face of this natural disaster, we have to think: which is more important, money or life? How to balance law and human feelings? This disaster not only tests our rescue capabilities, but also tests our institutional wisdom and human care.
The destructive power of the Wenchuan earthquake is heartbreaking. The scope and depth of the earthquake were unprecedented. From the bustling Shanghai to the snowy plateau of Tibet, from the treasure island of Taiwan to the Pearl of the Orient Hong Kong, no one has been spared.
In the 500,000 square kilometers of land ravaged by the earthquake, 237 districts and counties suffered varying degrees of damage. The disaster destroyed not only countless buildings, but also the hopes and dreams of millions of families.
However, in the midst of this catastrophe, the light of humanity shone brightly. Tan Qianqiu, a teacher at Sichuan Deyang Dongqi Middle School, used her life to interpret what great love is boundless. When the earthquake struck, he did not hesitate to pounce on the students and use his flesh and blood to build a life defense line for them.
When rescuers found Mr. Tan, his body was in the shape of a "big" figure and his head was severely deformed. This ordinary teacher, with his last-minute choice, has become an eternal monument in the hearts of his students.
One of the surviving students said with tears in her eyes, "Teacher Tan taught us with his life what true responsibility and courage are.
Rescue forces from all walks of life poured into the disaster area like a tide. Regardless of the risk of aftershocks and the threat of a building that could collapse at any time, the medical team worked day and night in the rubble.
One doctor, whose eyes were bloodshot, said firmly, "As long as there is a glimmer of hope, we will not give up." "Volunteers form a human chain to deliver relief supplies to where they are needed most.
Everyone who participated in the rescue had a determined light in their eyes, as if to say silently: We are together.
However, when the emergency relief efforts came to an end, a more difficult question emerged: what to do with the victims' property? This question not only tests our legal wisdom, but also tests our human care.
A bank worker worriedly said: "We are not only faced with cold numbers and accounts, but also with the hope and future of countless broken families.
In this race against time, we have seen the great spirit of the Chinese nation to unite as one and tide over difficulties together. But at the same time, we are also aware that the road to post-disaster reconstruction is still long and arduous.
How to properly handle the property issue of the victims while respecting life and soothing the pain has become a difficult problem before us. This is not only a test of our legal system, but also a test of the humanistic care of the whole society.
In the aftermath of the earthquake, survivors are faced with an unexpected dilemma: how to withdraw the savings of their loved ones? This seemingly simple question has become a pain in the hearts of many families.
Xiao Li, a bank teller, recalled: "During that time, people who lost their loved ones came to the bank every day. Their eyes were filled with despair and anxiety, as if these deposits were their last hope.
"However, the reality is not as good as it could be. The bank's regulations require that when the withdrawal amount exceeds 50,000 yuan, it must be handled by the person with his ID card. This was supposed to be a measure to protect the safety of customers' property, but it became an obstacle during this special period.
A woman who had lost her husband choked up and said, "Our savings are there, but I can't get them." This feeling is even more desperate than an earthquake. Her words speak to the hearts of many families of the victims.
Faced with this dilemma, the People's Bank of China, the China Banking Regulatory Commission, the China Securities Regulatory Commission and the Insurance Regulatory Commission responded quickly. They jointly issued an emergency notice requiring financial institutions to do their best to provide a full range of financial services such as inheritance, property escrow and insurance claims for the families of the victims.
The notice is a shot in the arm and a source of hope for struggling families.
The Inheritance Law of the People's Republic of China became the legal basis for resolving this issue. The Act provides for a clear order of succession, with spouses, children and parents as the first in line of succession.
One lawyer explained: "The law exists to show people direction at times like this. It teaches us that even in the toughest of times, we have rules to follow.
However, the cold provisions of the law are often inadequate in the face of grieving family members. A bank manager said with deep feeling: "What we need is not only to strictly enforce the law, but also to understand the special situation of each family."
Sometimes, a warm smile, a thoughtful word, is more soothing than any procedure.
In practice, financial institutions have adopted flexible and humane measures. They have simplified the procedures and even sent staff to provide door-to-door service for some special cases.
A bank clerk recalled: "We once went to the door for an elderly man with leg problems to go through the deposit inheritance procedures. When I saw her smile of relief, I felt that all the hard work was worth it.
In addition, the insurance industry also played an important role in this disaster. They took the initiative to contact insurance customers in the affected areas to conduct a comprehensive inventory of insurance and damages, and strive to improve the speed and efficiency of claims settlement.
An insurance company claims adjuster said, "Our job is not just to settle claims, but to provide comfort and hope to these bereaved families."
However, not all problems can be easily solved. For some special circumstances, such as the tragedy of "a white-haired person sending a black-haired person", the law stipulates that the direct blood relatives of the child's younger generations can inherit by subrogation.
However, in practice, there are still many challenges. "Our laws need to be further improved to cope with the complex realities," one legal expert noted.
In this contest between law and human feelings, we have seen the power of the system and the temperature of human nature. This is not only a test of the ability to enforce the law, but also a test of our social empathy.
A staff member involved in dealing with these issues said: "In this process, we are not only dealing with property issues, but also soothing broken families.
It requires us to listen with our hearts and understand with love.
This deposit processing problem has finally become a mirror of the resilience and temperature of our society. It tells us that in the face of disasters, law and human feelings are not opposites, but should complement each other and work together to hold up a warm sky for the victims.
As the deposit problem gradually settled, another, more difficult question surfaced: what to do with the victims' loans? This problem is like a sword hanging over the heads of the people in the disaster area, and many families are in dire straits.
The statistics are staggering: 7,789,100 houses collapsed, 24,590,000 were damaged, and 436,000 buildings were completely destroyed or severely damaged.
Behind these cold figures, the dreams of countless families have come to naught in an instant.
One survivor burst into tears and said, "The house is gone, my relatives are gone, and now the bank still wants me to repay the loan, what should I do?" This kind of desperate voice came and went in the disaster area, like a hammer, beating everyone's heart.
Faced with this unprecedented challenge, the People's Bank of China and the China Banking Regulatory Commission responded quickly. On May 19, 2008, they jointly issued the "Emergency Notice on Making Every Effort to Do a Good Job in Financial Services in the Earthquake-stricken Areas".
The circular clearly states that banks are not allowed to take any form of collection, penalty interest, and inclusion in bad credit records against individuals and entities in the affected areas who are unable to repay their loans on time.
One bank executive recalled, "When we received this notice, everyone felt a sense of purpose. We realized that this was not just a business issue, but a human issue.
The major banks moved quickly. The Agricultural Bank of China and China Construction Bank took the lead in announcing that they would provide loan extension services for up to six months to the hardest-hit areas. This initiative is like a timely rain, giving the affected people a chance to breathe.
One beneficiary said excitedly, "When I heard that I could defer my repayments, I felt hopeful. This gives us time to rebuild our homes and start living again.
However, for families who have lost everything, deferring payments doesn't solve the problem at the root. In recognition of this, on May 23, 2008, the China Banking Regulatory Commission (CBRC) issued the Urgent Notice on Writing Off Bad Debts in the Banking Industry Caused by the Wenchuan Earthquake in Sichuan.
The circular allows financial institutions to treat and write off bad debts to borrowers who suffered serious losses in the earthquake and are insolvent. A bank worker explained: "This means that for some particularly difficult families, we can cancel their debts directly.
It was a difficult decision, but we think it was the right one.
China Construction Bank (CCB) has taken the lead in establishing detailed rules for the write-off of loan losses for people affected by the earthquake. In the case of a house collapsing, being damaged or becoming a dilapidated house, it can be reported for verification and write-off as a "natural disaster" after verification and appraisal by the local government's housing safety management department or other authoritative departments.
One beneficiary said excitedly: "When I learned that the loan had been written off, I felt like I had regained hope for life. It's not just a matter of money, it's giving us the courage to start over.
These innovative solutions not only reflect the social responsibility of financial institutions, but also demonstrate the wisdom of finding opportunities and innovating systems in crises. An official involved in the development of these policies said: "We hope that through these measures, we will not only solve the immediate problems, but also provide valuable lessons for possible future disasters."
However, the implementation of these measures also faces challenges. How do I determine who is eligible for these benefits? How to balance the interests and social responsibilities of banks? These issues need to be addressed by financial institutions and regulators.
A bank manager said: "This experience has taught us that banks are not only money-making institutions, but also should play a role as stabilizers in times of social crisis.
Every decision we make can affect the fate of a family.
The process of solving this loan problem not only demonstrates the resilience of China's financial system, but also reflects the humanistic care of the whole society. It tells us that in the face of major disasters, institutional innovation and human care are equally important.
Only by combining the two can we truly help those who need it most and rekindle hope for life.
Time flies, and 14 years have passed since the Wenchuan earthquake in a blink of an eye. When we once again look at the disaster area, a reassuring picture unfolds before our eyes.
Yingxiu Town, a town that was once hit hard, has now been revitalized. The newly built houses are neatly arranged, and it looks like a small modern city from afar.
The trees lining the streets are lush, adding to the vibrancy of this reborn town. An elderly man sat at the door of his house with a happy smile on his face: "Life is even better now than before, we not only have a new house, but also more job opportunities."
Walking through the town, we saw brand new schools, hospitals, and cultural centers. These buildings not only meet the basic needs of the residents, but also inject new vitality into the town.
A young townsman told us: "After the earthquake, our town attracted a lot of tourists. They are here not only to remember, but also to witness our rebirth.
In Xuanlang Village, Jinhua Town, Mianzhu City, the story of reconstruction is even more moving. The earthquake claimed 23 lives and forced the entire village to relocate. Sun Xiuhua, the village party secretary, recalled: "At that time, we were faced not only with rebuilding our homes, but also with rebuilding hope.
After deciding on a new place to live, the villagers worked together and built a new home in just half a year.
Walking into the new Xuanlang Village, we see a new rural community. Wide roads, neat houses, and modern agricultural facilities all show the transformation of the village.
Sun Xiuhua said proudly: "We now adopt a modern management model for agricultural planting, which not only has a stable income, but also greatly improves the quality of life."
Uncle Li, a villager, showed us his family's new house with a proud smile on his face: "You see, now our house not only has running water, but also a solar water heater.
What's even more gratifying is that Xuanlang Village has found a new path of development. Agricultural cooperatives were established in the village and advanced planting techniques were introduced. A young university student who returned to his hometown told us: "What we are planting now is not only crops, but also hope.
Through cooperatives, our products have penetrated the urban market.
These stories of reconstruction are not only the reconstruction of bricks and tiles, but also the reconstruction of the heart. They prove that even through the most severe tests, there is no obstacle that cannot be overcome as long as we are united.
As one villager put it: "The earthquake destroyed our homes, but it could not destroy our determination to rebuild them."
From Yingxiu Town to Xuanlang Village, from ruins to new life, this is an exciting story of rebirth. They are not only a memorial to the past, but also a promise of the future.
In this once scarred land, we see the indomitable spirit of the Chinese people and a hopeful future.
Standing on the 14th anniversary of the Wenchuan earthquake, we can't help but ask: what have we learned from this disaster?
Looking back, the lives lost, the collapsed buildings, and the broken families are still heart-wrenching. But at the same time, we have also seen the great spirit of the Chinese nation in uniting as one to tide over difficulties together.
This disaster has not only tested our ability to respond to emergencies, but also prompted us to reflect on how we can better protect lives and property.
However, the disaster is not far away. On July 20, 2021, the sudden rainstorm in Henan sounded the alarm again. This reminds us that disasters can strike at any time and that we must always be vigilant.
A resident who has experienced two disasters said: "After going through this, I know how to cherish everything in front of me. Healthy health, harmonious family, and stable work are all 'lucky signs' given to us by God.
Cherishing the present and preparing for a rainy day may be the best attitude for us to face an uncertain future. The experience of the Wenchuan earthquake has taught us that no matter what kind of difficulties we face, as long as we are united, we will be able to overcome them.
One of the volunteers involved in the post-disaster reconstruction said: "This experience has taught me how fragile and strong life is. We need to cherish the people and things in front of us, and at the same time, we must be prepared for possible disasters.
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