Huang Zhongyuan was burly, handsome and outspoken. He is as fluent in English as Chinese and can speak standard Shanghai dialect. 1948, after China People's Liberation Army occupied North China, his family moved to Taiwan Province Province with his father Huang, and transferred to the Department of Political Science of Taiwan Province Provincial University for further study. 1949 graduated. At that time, Huang still had considerable wealth, so he sent him to a university in Oregon to study international relations. One year after arriving in the United States, Huang Zhongyuan succeeded in getting his first degree. However, something unexpected happened. He received a letter from home saying that his father had been cheated out of money and suddenly went bankrupt, and he could no longer support him to continue his studies. As a result, yesterday, he had to go to San Francisco, where the Chinese lived, to find a job. He wandered around Chinatown, knocking on doors and asking him if he needed help. All the answers were "No". Because the economy of Chinatown was also very depressed at that time. At that time, Huang Zhongyuan really could not return and had nowhere to go. God won't close one door, but he will open another. One day, the owner of a porcelain shop said to him, "If you like, I have a job in a packaging factory in Los Angeles." Hearing the news, Huang Zhongyuan was overjoyed and immediately set off for South Los Angeles. Since then, he has taken root in Los Angeles. When Huang Zhongyuan first arrived in Los Angeles, he had no luck. He is full of blood, but he has never taken part in physical labor exercise. In terms of strength, he is really powerless. He is incompetent as a packer, but his mouth is stubborn. He quarrels with the director every day and says, "You look down on me, and I still look down on you!" " He was fired after working for less than two months. In the following year, he changed six or seven units in a row, either throwing dishes or quarreling with his boss, and was often fired. Finally, he went to Bank of America, barely worked for a year, and finally fell out with his boss and resigned.
Huang Zhongyuan stayed in American society for two years, and he really hit a wall everywhere. Later, he went to college and took part-time jobs. At school, he met Miss Yang, a China girl from the Philippines. From then on, he changed his cynical young master's temper and tried to be strong. In order to find a better way out, he transferred to study accounting. Many things happen, and the time is not long. He's already impressive. As Huang Zhongyuan switched to accounting, an accounting law firm welcomed him to take a part-time job after school. Huang Zhongyuan worked hard and made great achievements. Three months later, he was in charge of all the accounts of the company. However, this company is too small to learn much. Soon, I married Miss Yang. Miss Yang, whose ancestral home is in the mountainous area of southern Fujian, has a tradition of diligence and housekeeping in southern Fujian, and is really her wife. She raised three children brilliantly. David Henry Hwang, the eldest son, is a young and promising professional playwright in the United States. In the Tony Award of 1988, David Henry Hwang's "New Lady Butterfly" won three awards, namely, best drama, best director and most distinctive actor. The eldest daughter is a cellist, and she is very famous in American and Canadian music circles. The youngest daughter has inherited her father Huang Zhongyuan's career and is expected to become a future female banker. Miss Yang herself topped the list when she graduated from the Piano Department of the University of California. She has performed in German, Philippine, Hongkong, Taiwan Province Province and other places, and was well received. After the three children grew up, she returned to the university to teach piano. Because of the outstanding performance of students, she was named one of the top ten piano teachers in Southern California. Mr Huang Zhongyuan is proud of his happy family, successful career and disappointing children.
1960, Huang Zhongyuan started his own business and established an accounting firm. There was only one customer in the first month. The income is only 50 yuan. However, he didn't lose heart. He is still slowly but surely, gradually establishing credibility and increasingly extensive social contacts. A year later, things began to improve and his business was booming. There are very few overseas Chinese in Los Angeles at this time, and 95% of his clients are not Chinese. From 65438 to 0972, after China and the United States set up liaison offices with each other, the number of new overseas Chinese from Hongkong, Taiwan Province Province and the mainland increased rapidly. At that time, there was only one Chinese bank in Los Angeles with limited service capacity. Huang Zhongyuan sized up the situation, seized the opportunity and decided to set up a new Chinese bank. 1973 At the beginning of this year, Huang Zhongyuan applied to the federal government to set up the first Chinese-funded bank in the United States. 1973 10, the authorities approved the public offering of shares by Far East Bank. Facing the crisis in the American stock market at the end of the year, Huang Zhongyuan managed to raise 150 shares, totaling1500,000 US dollars. 1974 65438+February, the Far East Bank officially opened. At that time, Huang Zhongyuan resolutely served as the chairman and general manager. He is convinced that what foreigners can do, China people can do, and what foreigners can't do, China people can do. Huang Zhongyuan repeatedly emphasized to all the staff of the bank that the bank is a service industry, and most of its customers are overseas Chinese who have just arrived in the United States. The situation requires banks to provide them with fast, cordial and thoughtful services to help them overcome difficulties in life and work. No matter whether you come to deposit or borrow money, you should treat them equally and serve them warmly. Huang Zhongyuan simply moved his desk to the front of the counter in the lobby, had direct contact with customers and got a lot of first-hand information. What customers need, the bank will provide. In this way, Huang Zhongyuan Bank is integrated with China society and deeply rooted in China society. In terms of service content, the Far East Bank has become a trading center, adopting preferential services such as prepaid interest and licensed deposits and loans. For the lender, it is as convenient as possible. Far East National Bank can think of customers and be anxious about their needs. Usually, in a few hours, it can complete the loan procedures and make customers very satisfied. For customers with small loans and good reputation, ten minutes of telephone contact can solve the problem. In addition, the bank also introduced the borrower to sign a contract with it to agree on the interest rate and repay the loan in installments. Far East National Bank is also the first bank in the United States to open as usual on Saturday, which provides great convenience for our customers. Make this bank a great success. At present, the bank's total assets have exceeded 1 billion dollars, and its income efficiency has reached 25%, ranking fourth among all profitable banks in California. Huang Zhongyuan's outstanding achievements are inseparable from his banker style. Usually, banks are considered as "institutions that lend money to you only when you can prove that you don't need money." As early as 1976, Huang Zhongyuan saw the "arrogance" in the banking industry, publicly criticized and refuted the traditional concept and practice of "taking people by assets" in the banking industry, and vigorously promoted the concept and practice of "taking people by talents" in his Far East Bank, requiring loan officers to actively understand customers and determine loan standards, thus helping countless business talents to give full play to their talents. Huang Zhongyuan's "talent selection" has helped business talents and made him enjoy a higher reputation in the business world. He also took "family atmosphere and modern management" as his slogan and action guide. A few years ago, the Far East National Bank built a new bank building between Broadway and Aping Street in Los Angeles, which became the commercial center of Chinatown. The business area of the first floor of the Bank Building has reached more than 2,400 square meters. The second floor is open as a club for business people to socialize with customers. At present, the bank has set up overseas offices and established a service network. Huang Zhongyuan Far East National Bank has been listed as a "stable bank with excellent performance" by the Federal Reserve Bank of the United States for several years in a row, and has won a high reputation for Chinese people overseas. Huang Zhongyuan believes that since immigrants come to the United States, they should participate in the social development of the United States. Only in this way can Chinese, as ethnic minorities, be respected and have the hope of development. Therefore, he not only took root in China society, but also jumped out of the small circle of China people and widely participated in American social activities. He was elected as the Republican leader of a certain district in Southern California for three consecutive years. As early as Nixon's presidential campaign, Huang Zhongyuan was a member of the campaign team. When Reagan ran for governor of California for the first time, he served as a member of the Reagan campaign fund organization Committee, and the two have been closely related since then. During Reagan's second campaign, Huang Zhongyuan became Reagan's adviser. When Ford was running for president, Huang Zhongyuan was the main leading member of Ford's campaign in Southern California. When Carter was in power, he was hired as a consultant of the Export-Import Bank of the United States. Therefore, four presidents of the United States are closely related to him. Since the Nixon era, Huang Zhongyuan has been appointed as the White House's international business adviser. Ford, Carter and Reagan all appreciated his talent in international trade. From Nixon's visit to China to the formal establishment of diplomatic relations between China and the United States, he did some work and contributed to the improvement of Sino-US relations. At the same time, he also recommended some outstanding China talents to President Reagan to enter American politics. In the communication with Chinese mainland, Huang Zhongyuan gave full play to his talents. In recent years, Huang Zhongyuan has frequently visited both sides of the China Strait, and served as the chairman of the American Overseas Chinese Four modernizations Investment Group, making every effort to serve the modernization of the motherland.