1. Follow the policy and continue to promote the “incremental expansion, quality improvement and cost reduction” of inclusive finance

In terms of “increment”, as of April this year, Zhuhai Bank of China Inclusive Finance (statistical caliber: small and micro enterprises, small and micro business owners, and individual industrial and commercial households with credits of less than 10 million yuan) loan balances were 3.578 billion yuan, a net increase of 934 million that year Yuan, an increase of 35.33%.

In terms of “expansion”, in the first April of this year, Zhuhai Bank of China’s inclusive small and micro enterprises have a net increase of 103 loan holders, a net increase of 32.19% that year. At the same time, the Bank of China in Zhuhai took the initiative to strengthen the policy transmission of the “first lender” and achieved first loans for 35 small and micro enterprises.

In terms of “quality improvement,” BOC Zhuhai optimized credit conditions, increased credit and medium- and long-term loans, and effectively reduced the pressure of guarantees and repayments for small and micro enterprises.As of Aprilend, The bank’s inclusive small and micro enterprise credit loan balance was 1.428 billion yuan, a net increase of 51.11% that year; the inclusive small and micro enterprise’s medium and long-term loan balance was 1.406 billion yuan, a net increase of 73.79% that year.

In terms of “cost reduction”, Zhuhai Bank of China implemented a loan-and-repay, daily-calculated interest calculation rule for inclusive small and micro enterprises, and provided interest rate concessions for companies that comply with the inclusive financial rules.In the first 4 months, the annualized interest rate of inclusive small and micro enterprise loans issued by the bank was higher than that of the previous year.endContinue to steadily drop by 0.38 percentage points.

2. Tailor financing schemes for small and micro enterprises of science and technology innovation in accordance with local conditions

Based on the characteristics and advantages of the local technology and innovation industry and high-end talent pooling, BOC Zhuhai closely focuses on the “14th Five-Year Plan”, “Guangdong-Hong Kong-Macao Greater Bay Area Development Plan Outline” and Zhuhai’s “5+1” industrial layout plan, targeting high-tech enterprises , Technology-based enterprises, and “specialized, special-new” enterprises took the lead in launching the “Zhuhai Science and Technology Innovation Loan” series of products, and innovatively launched the “Zhuhai Yingcai Loan” around the “Zhuhai Yingcai Plan”.These characteristic products abandon the traditional credit concept of “look at the bricks (collateral)”, and use pure credit, equity pledge, intellectual property pledge, government risk sharing and other methods to provide high-tech content and lightassets, Start-up small and micro enterprises provide convenient and flexible financing solutions.

Since September 2020, Zhuhai Bank of China and Zhuhai Municipal Bureau of Industry and Information Technology have jointly implemented the “Cultivation and Development” jointly formulated by Guangdong Provincial Department of Industry and Information Technology and Guangdong Bank of China.Strategic industryCluster Exclusive Financing Service Program”, launched six series of products, including “Strong Chain Loan”, “Extended Chain Loan”, “Supplementary Chain Loan”, “Smart Loan”, “Park Loan”, and “Chuangke Loan”. Provide support for the high-quality development of the manufacturing industryGuarantee.

Based on the innovation of product and service solutions, BOC Zhuhai has also cooperated with Zhuhai Municipal Bureau of Industry and Information Technology, Zhuhai Municipal Science and Technology Bureau and other government units in recent years. 11 special platforms were held on the theme of “Corporate Financing and Smart South Guangdong Tour”activity, To provide comprehensive services of “policy guidance + financing support” for more than 600 small and micro sci-tech innovation enterprises.

Under the dual promotion of products and services, as of Aprilend, The balance of loans to small and micro enterprises in science and technology innovation of the Bank of China in Zhuhai was 1.633 billion yuan, compared with the previous yearendAn increase of 46.59%; the number of loan households was 326, compared with the previous yearendAn increase of nearly 32%. With the support of these loans, more than 10 companies have grown from small and micro to medium-sized, and have launched a listing plan.

3. Precise drip irrigation to enrich people’s livelihoodGuaranteeSmall and micro enterprise credit scenario

Zhuhai Bank of China closely follows policy guidance and market demand, and spares no effort to improve its impact on people’s livelihoodGuaranteeThe service capabilities of similar small and micro enterprises. After the outbreak of the new crown pneumonia in 2020, the Bank of China in Zhuhai responded swiftly and issued the first special re-loan in Zhuhai with the exclusive product of the “anti-epidemic loan”. The total number is 12FocusThe small and micro enterprises in the guarantee list issued 68.17 million yuan of special reloans, and the number and amount of special reloans issued by small and micro enterprises ranked first in the city. At the same time, it has approved a special quota of 552 million yuan for 55 small and micro enterprises related to epidemic prevention, provided 421 million yuan of special funds for 123 small and micro enterprises that need to resume work and production, and approved a special quota of more than 60 million yuan for resumption of work and school for 17 kindergartens. .

Entering 2021, Zhuhai Bank of China will give full play to people’s livelihoods such as “Medical Tongbao”, “Education Tongbao”, “Cultural Tongbao”, “Chunhui Loan”, and “Food Loan”.GuaranteeThe advantages of similar financing service scenarios have continuously expanded the scope of drip irrigation.As of Aprilend, The bank’s balance of loans to small and micro enterprises in the field of people’s livelihood was 228 million yuan, compared with the previous yearendIncreased by more than 20%. Currently, BOC Zhuhai is working with the Zhuhai Municipal Human Resources and Social Security Bureau to implement the “Promoting “Cantonese Cuisine Master”, “Guangdong Skilled Workers”, and “Southern Guangdong Housekeeping” Project to Promote Employment and Entrepreneurship Exclusive Financing Service Plan, in order to meet the needs of the modern industrial system Skilled talents are provided to solve financing problems.

4. Optimize the mechanism to improve the efficiency of inclusive financial services in an all-round way

At the level of institutional services, Zhuhai Bank of China, based on the needs of small and micro enterprises, has established 9 central sub-branches with initiation authority and 3 characteristic branches of inclusive finance throughout its jurisdiction to fully accept the financing needs of small and micro enterprises.

At the level of acceptance and approval, the Bank of China in Zhuhai cooperated with the Inclusive Finance Business Department of the Guangdong Branch of Bank of China to hold regular on-site review meetings in Zhuhai, with the theme of “branch initiation + branch acceptance + provincial approval”Level 3The linkage method integrates the pre-loan investigation, project declaration and credit approval processes in time and space, greatly improving service efficiency.

At the financial technology level, Zhuhai Bank of China will launch the inclusive financial business “online product breakthrough year” in 2021activity, Using the “Bank of China Enterprise E-Loan” series of products as a starting point, providing small and micro enterprises in different industries with diversified credit acquisition channels such as “measured by credit”, “measured by tax” and “measured by house”.

In the next stage, Zhuhai Bank of China will continue to make efforts in the field of inclusive finance, and give full play to the group’s advantages to provide local small and micro enterprises with more warm and in-depth diversified services.

1. Follow the policy and continue to promote the “incremental expansion, quality improvement and cost reduction” of inclusive finance

In terms of “increment”, as of April this year, Zhuhai Bank of China Inclusive Finance (statistical caliber: small and micro enterprises, small and micro business owners, and individual industrial and commercial households with credits of less than 10 million yuan) loan balances were 3.578 billion yuan, a net increase of 934 million that year Yuan, an increase of 35.33%.

In terms of “expansion”, in the first April of this year, Zhuhai Bank of China’s inclusive small and micro enterprises have a net increase of 103 loan holders, a net increase of 32.19% that year. At the same time, the Bank of China in Zhuhai took the initiative to strengthen the policy transmission of the “first lender” and achieved first loans for 35 small and micro enterprises.

In terms of “quality improvement,” BOC Zhuhai optimized credit conditions, increased credit and medium- and long-term loans, and effectively alleviated the pressure of guarantees and repayment for small and micro enterprises.As of Aprilend, The bank’s inclusive small and micro enterprise credit loan balance was 1.428 billion yuan, a net increase of 51.11% that year; the inclusive small and micro enterprise’s medium and long-term loan balance was 1.406 billion yuan, a net increase of 73.79% that year.

In terms of “cost reduction”, Zhuhai Bank of China implemented a loan-and-repay, daily-calculated interest calculation rule for inclusive small and micro enterprises, and provided interest rate concessions for companies that comply with the inclusive financial rules.In the first 4 months, the annualized interest rate of inclusive small and micro enterprise loans issued by the bank was higher than that of the previous year.endContinue to steadily drop by 0.38 percentage points.

2. Tailor financing schemes for small and micro enterprises of science and technology innovation in accordance with local conditions

Based on the characteristics and advantages of the local technology and innovation industry and high-end talent pooling, BOC Zhuhai closely focuses on the “14th Five-Year Plan”, “Guangdong-Hong Kong-Macao Greater Bay Area Development Plan Outline” and Zhuhai’s “5+1” industrial layout plan, targeting high-tech enterprises , Technology-based enterprises, and “specialized, special-new” enterprises took the lead in launching the “Zhuhai Science and Technology Innovation Loan” series of products, and innovatively launched the “Zhuhai Yingcai Loan” around the “Zhuhai Yingcai Plan”.These characteristic products abandon the traditional credit concept of “look at the bricks (collateral)”, and use pure credit, equity pledge, intellectual property pledge, government risk sharing and other methods to provide high-tech content and lightassets, Start-up small and micro enterprises provide convenient and flexible financing solutions.

Since September 2020, Zhuhai Bank of China and Zhuhai Municipal Bureau of Industry and Information Technology have jointly implemented the “Cultivation and Development” jointly formulated by the Guangdong Provincial Department of Industry and Information Technology and Guangdong Bank of China.Strategic industryCluster Exclusive Financing Service Program”, launched six series of products, including “Strong Chain Loan”, “Extended Chain Loan”, “Supplementary Chain Loan”, “Smart Loan”, “Park Loan”, and “Chuangke Loan”. Provide support for the high-quality development of manufacturingGuarantee.

Based on the innovation of product and service solutions, BOC Zhuhai has also cooperated with Zhuhai Municipal Bureau of Industry and Information Technology, Zhuhai Municipal Science and Technology Bureau and other government units in recent years, with “investment-loan linkage through train”, “BOC Small and Micro Enterprise Digital Credit Core Linking Heart”, and “BOC Small and Medium-Sized Enterprises”. 11 special platforms were held on the theme of “Corporate Financing and Smart South Guangdong Tour”activity, To provide comprehensive services of “policy guidance + financing support” for more than 600 small and micro sci-tech innovation enterprises.

Under the dual promotion of products and services, as of Aprilend, Zhuhai Bank of China’s loan balance for science and innovation small and micro enterprises was 1.633 billion yuan, compared with the previous yearendAn increase of 46.59%; the number of loan households was 326, compared with the previous yearendAn increase of nearly 32%. With the support of these loans, more than 10 companies have grown from small and micro to medium-sized, and have launched a listing plan.

3. Precise drip irrigation to enrich people’s livelihoodGuaranteeSmall and micro enterprise credit scenario

Zhuhai Bank of China closely follows policy guidance and market demand, and spares no effort to improve its impact on people’s livelihoodGuaranteeThe service capabilities of similar small and micro enterprises. After the outbreak of the new crown pneumonia in 2020, the Bank of China in Zhuhai responded swiftly and issued the first special re-loan in Zhuhai with the exclusive product of the “anti-epidemic loan”. The total number is 12FocusThe small and micro enterprises in the guarantee list issued 68.17 million yuan of special reloans, and the number and amount of special reloans issued by small and micro enterprises ranked first in the city. At the same time, it has approved a special quota of 552 million yuan for 55 epidemic prevention-related small and micro enterprises, provided 421 million yuan of special funds for 123 small and micro enterprises that need to resume work and production, and approved a special quota of more than 60 million yuan for resumption of work and school for 17 kindergartens. .

Entering 2021, Zhuhai Bank of China will give full play to people’s livelihoods such as “Medical Tongbao”, “Education Tongbao”, “Cultural Tongbao”, “Chunhui Loan”, and “Food Loan”.GuaranteeThe advantages of similar financing service scenarios have continuously expanded the scope of drip irrigation.As of Aprilend, The bank’s balance of loans to small and micro enterprises in the field of people’s livelihood was 228 million yuan, compared with the previous yearendIncreased by more than 20%. At present, BOC Zhuhai is working with Zhuhai Municipal Human Resources and Social Security Bureau to implement the “Promoting “Cantonese Cuisine Master”, “Guangdong Technician” and “Southern Guangdong Housekeeping” Project to Promote Employment and Entrepreneurship Exclusive Financing Service Plan” to meet the high-quality requirements of the modern industrial system Skilled talents are provided to solve financing problems.

4. Optimize the mechanism to improve the efficiency of inclusive financial services in an all-round way

At the level of institutional services, Zhuhai Bank of China, based on the needs of small and micro enterprises, has established 9 central sub-branches with initiation authority and 3 characteristic branches of inclusive finance throughout its jurisdiction to fully accept the financing needs of small and micro enterprises.

At the level of acceptance and approval, the Bank of China in Zhuhai cooperated with the Inclusive Finance Business Department of the Guangdong Branch of Bank of China to hold regular on-site review meetings in Zhuhai, with the theme of “Branch Initiation + Branch Acceptance + Provincial Bank Approval”Level 3The linkage method integrates the pre-loan investigation, project declaration and credit approval processes in time and space, greatly improving service efficiency.

At the financial technology level, Zhuhai Bank of China will launch the inclusive financial business “online product breakthrough year” in 2021activity, Using the “Bank of China Enterprise E-Loan” series of products as a starting point, providing small and micro enterprises in different industries with diversified credit acquisition channels such as “measured by credit”, “measured by tax” and “measured by house”.

In the next stage, Zhuhai Bank of China will continue to make efforts in the field of inclusive finance, and give full play to the group’s advantages to provide local small and micro enterprises with more warm and in-depth diversified services.

Before flowing to Loei province – a province located on the Thailand-Laos border, the Mekong River’s water had to flow through dozens of other hydroelectric dams, including 11 of China and one of Laos. South China Morning Post On May 25, citing local people and experts, the hydroelectric dams of China and Laos have affected fish habitats, changing the natural flow with the seasons and even the color of the water. . The impact is becoming more and more obvious Rodjana Thepwong, a 64-year-old woman with a lovely smile, said gold panders in Thailand often wade into the middle of the river during the dry season. “The sediment at the bottom of the river is full of gold. I’ve even found pieces of gold as small as tamarind seeds,” she said, plunging into the river with a pickaxe, brushing away the mud and rocks. “Because of hydroelectric dams, river water rises and falls randomly, making the ecosystem out of balance. We were forced to move to the river’s edge, where there was only a very small amount of gold.” Ms. Rodjana is just one of 60 million people who depend on the Mekong River – the river that flows from China, through Myanmar, Laos, Thailand and Cambodia before emptying into the delta region of Vietnam. Environmental activists say the diets, livelihoods and environment of these millions have been put in jeopardy since Chinese companies harnessed hydroelectricity. One fine day, these two women were able to find $15 worth of gold. Photo: South China Morning Post. “I realized things were changing, many fish died and the water rose suddenly,” said Chantarasee Hieng, another gold pander. Downstream, experts say, in February, the river suddenly turned blue – a seasonal phenomenon for the first time, indicating that nutrients from silt are gradually disappearing from waterways this. Climate change also plays a role in causing this phenomenon, with heavier rains and prolonged droughts. But both Ms. Rodjana and Hieng insist hydroelectric dams are the main cause of the decline in the quality of the river that was once a source of food and income for many families. “So sad. But what can we do?” Ms. Rodjana said. Hope is forgotten A new dam is scheduled to be built about 2 km from the Chiang Kan district of Loei, the mountainous northeastern province of Thailand. The Sanakham Dam is a $2 billion program with electricity generated for export mainly to Thailand. The dam, built by Chinese company Datang, is expected to generate 684 megawatts of electricity when it comes into operation from 2028. The project is seen as an integral part of its strategy to become “the power source of Southeast Asia. ” of Laos. Gold panders in the Mekong River, Loei province, Thailand. Photo: South China Morning Post. The Mekong River Commission – the commission set up to manage water resources in the Mekong basin, with members Cambodia, Laos, Thailand and Vietnam – says it has only about $28 million (1.4%) total budget) is devoted to measures to reduce harm to the environment and society. Thailand openly opposes the Lao plan. Residents living in this river area are lobbying the government to stop building the dam, along with public debate about the need for electricity generated by hydropower among officials in the country. Tosapol Wongwan, assistant secretary-general, National Water Resources Office of Thailand, said: “What is happening in the Mekong River has reached a point where it cannot be repaired. What we can do right now is focus on how to reduce the impact (human activities on the river).” Not easy to solve Upstream countries – China and Laos – have begun to share data on water flows and herald the closure and release of dams to their downstream neighbors. However, it is difficult to achieve complete transparency among countries with competing strategic, economic and national security needs. Laos owns two dams – the Thai-developed Xayaburi dam in the north and the Don Sahong dam near the Cambodian border. There are also seven other projects being planned. Mekong River near the Thai-Lao border. Photo: Reuters. Critics say it’s difficult to make a transparent assessment of the uses and impacts of dams on the environment. China, which is speeding up dam construction, insists hydroelectricity is an eco-friendly resource to boost the Mekong’s economy. However, according to Songrit Kirk Pongern, an academic researcher on the Mekong River at Thailand’s Kasetsart University, as dam construction continues, the forecast of a negative impact on the river is ominous. “In the next five years, the consequences will become more and more obvious. The number of fish will continue to decline, the downstream will lack alluvium, riverside and local fishing will disappear, food security for 60 million people will be exhausted,” he said.

Illustration. From the beginning of May 2021 up to now, due to the large-scale outbreak of the Covid-19 epidemic, Ninh Binh province has announced to suspend the reception of guests at tourist sites and attractions in the province to prevent the epidemic. So 100% of boat drivers here become unemployed. Since the return of the Covid-19 epidemic, foreign tourists have not come to Vietnam for tourism, and domestic visitors have decreased. Most of the laborers working as boat drivers at Trang An eco-tourism area and Tam Coc – Bich Dong tourist area (Ninh Binh) sometimes only get one trip a month. That situation made the boatmen “cry” because their income decreased due to the absence of passengers. A boatman at Trang An boat station said that since the Trang An Scenic Landscape Complex came into operation, it has brought jobs and stable income for thousands of locals living around the heritage area. Trang An has long been a famous tourist destination of Ninh Binh, recognized by Unesco as a natural heritage and a world cultural heritage. The scenery here is made up of winding rivers flowing through limestone mountains, creating countless magical and mysterious natural caves that attract visitors. To explore Trang An, visitors will be sitting on a boat to admire the surrounding mountain nature. If in the past, there were cases in this tourist area, the whole family worked as a boat driver. Average income is 400,000-600,000 VND/day. Although the work is hard, in return for the high income, the family’s economy is getting better and better. Employees feel more secure, more attached to the job. But in the past two years, due to the impact of the Covid-19 epidemic, tourists have dropped sharply, so income is not enough to cover life. In particular, from the beginning of May, the resort temporarily stopped accepting guests, making the life of the already difficult ferrymen even more difficult. They have to find another job to earn their daily income. Similar to Trang An eco-tourism area, Tam Coc – Bich Dong is a familiar destination that tourists definitely cannot ignore when coming to Ninh Binh. Visiting Tam Coc, visitors will be sitting on a boat, down the poetic Ngo Dong river watching the overlapping mountains and iridescent golden rice fields. Ms. Chu Thi Mo, who works as a ferry driver in Tam Coc, confided: Before, there were 6 to 8 trips a month with many tourists, 200,000 VND each. On holidays and Tet, the number of trips increases much more. But since the Covid-19 epidemic, the absence of customers is considered a loss of revenue. Strictly following the direction of the province, to temporarily close to carry out epidemic prevention work, it is estimated that at Trang An eco-tourism area and Tam Coc – Bich Dong tourist area (Ninh Binh), thousands of boatmen have to quit. Without customers, these people have to turn to other occupations to earn a living. According to statistics, at Trang An eco-tourism area and Tam Coc – Bich Dong tourist area, there are more than 3,000 people working as boat drivers. Most of them are locals. The boatmen here range in age from 18 to 60 years old. A longtime boat driver shared: “Without guests, many people are not interested in boating. They will look for jobs in garment companies, leather shoes, stone handicrafts, etc. to earn extra income. However, these companies only hire young people, and older people will not be recruited.” Thus, there will be a large number of people working as boatmen who “don’t know where to go”. According to a representative of Xuan Truong construction company, which invests and manages the two tourist resorts above, in order to reduce difficulties for workers, in 2020, the business has supported more than 3,000 ferry workers here every year. person 3 months salary. Currently, the enterprise is planning to continue to support these workers to help them overcome the immediate difficulties.

Since the establishment of the Hua Na hydropower reservoir, people in Thong Thu and Dong Van communes (Que Phong district) have had more fish cage farming (photo). Up to now, on this lake surface, there are about 80 households participating in raising 326 fish cages of all kinds; in which many species have high economic value such as sea bass, mackerel, climbing fish, beetle, carp … With the selling price of about 50,000 VND / kg of carp, 100,000 VND / kg of climbing fish, ladybug, 120,000 VND / kg of sea bass and fish has provided farmers with a high and stable income. Among the people who have succeeded in making a living on the reservoir of Hua Na hydroelectricity include Mr. Lang Van Mao from Tuc village (Dong Van commune). In addition to the model of raising fish cages, this Thai ethnic boy also accepts to zonize, plant and protect forests on a floating hill in the lake bed, combine raising pigs, chickens … bamboo) has given him an income of over 100 million VND / year. In addition, Mr. Mao also took a boat carrying tourists to take wedding photos, admire the lake scenery, serve food … earn more income. In addition, at the Ban Ve hydropower reservoir, there are about 338 fish cages currently raised by people in Luong Minh, Huu Khuong and Yen Na communes (Tuong Duong district). In addition to raising fish in cages in the lake bed, people also add fishing in the wild, setting up farms along the lake to raise goats, cows, pigs …

Nestled in the alley at 86 Nguyen Du Street (District 1, Ho Chi Minh City) near Notre Dame Cathedral, the crab soup shop of Mr. Tam and his wife has been a famous snack place in Saigon for nearly 28 years. Previously, the shop was opened by Mr. Tam’s mother in front of Hoa Binh Primary School to make a living for the family. However, for about 10 years now, she has passed on her skills and the restaurant to the shop’s husband and wife. 7-8 years ago, due to the increasing number of diners coming to the restaurant, Mr. Tam and his wife decided to move their business to Nguyen Du street as the present. Since then until now, Notre Dame’s crab soup shop is still packed with a cart, two rows of plastic chairs placed close to the two sides of the alley for customers to eat on the spot. Every day, the shop starts selling from 10:30 to 21:00 or until the stock is out. During that time, Mr. Tam’s wife and an employee were always in a state of chaos, from cleaning up, preparing ingredients, changing soup pots to serving customers to buy and use on the spot. “In the morning, my husband still has to deliver goods, drive more cars, so I can only go down the afternoon. So I have to handle a lot of things, very busy!”, The owner shared. Over the past two decades, Notre Dame Crab Soup has always been a favorite destination for many diners thanks to its delicious taste and unchanged quality after years of trading. A full cup of hot soup costs 20,000 VND, including ingredients such as soft shell crab, flour, shiitake mushrooms, snow mushrooms, quail eggs, herbal eggs and many spices. His wife Tam revealed that this soup recipe was kept by her mother-in-law since 1993, and now passed on to the couple doing business. Every day, the owner and his wife always get up at 5am, go to the market early to choose the freshest ingredients, then deliver the goods from their home in Phu Nhuan district to the point of sale. “Food business is not easy. Waking up early in the morning and at noon have to wait for customers to rest their hands and then keep busy until evening. When I took over the restaurant from my mother-in-law, my wife and I found it quite hard because we were not used to it. Now it is different, “said the owner. His wife Tam said that due to the business along the two alleys, not every place has a roof. Every time it rains, diners have to sit crouched inside, but it is hard to avoid being thrown. However, few people complain because most of them are “real customers” and curious young people. In addition, the shop also has many customers who buy it to take away, avoiding the situation of waiting too long. Around 5:00 pm, the crab soup shop of Mr. Tam and his wife started to get crowded. Mr. Tam (38 years old), in time to finish his morning job to help his wife trade. As soon as he arrived, the boss quickly welcomed the customers, listened to order and brought soup. “In the old days, I used to help my mother to do business and do some errands, but when I personally run this place, I find it difficult. Now that I get used to it, I am happy with the customers,” said this man. Thanks to its location in the central area, affordable price and long-standing reputation, Tam’s family crab soup shop has received a lot of love from the people of Saigon. Mr. Tai, an office specialist of 8X generation, is one of the customers who regularly visit the restaurant. “I find the crab soup here is quite delicious, the price is commensurate with the business location in the city center. Hungry afternoon, eating a cup like that is enough to work until evening,” he said. Ms. Le Vy (29 years old, living in Phu Nhuan district) identified herself as one of the “real customers” of Mr. Tam’s restaurant. Ten years ago, when I was in high school, she often came here to eat. Now, sometimes she still visits the restaurant to eat crab soup with her friends. “The point that I love most about this soup is the herbal egg. Many people may not eat it, but I really like the taste of it,” said the flight attendant.

With only one stall, two plastic tables and a few children chairs, this place has become the livelihood of the host’s family for nearly 30 years. For nearly 30 years, the restaurant, run by Mrs. Thuan and her husband, has been constantly changing dishes, with no overlapping days. After many years of doing business, Mrs. Thuan’s restaurant is still a familiar destination for many local diners thanks to its unique selling style: the menu never sells the same item. “The owner cooks clean and delicious! Everyday she changes a different dish, I have to ask to know what to eat now!”, A guest dined at the Tam Tam restaurant. Change dishes to help bored Share with Zing Ms. Thuan said that this restaurant was opened by the couple when they were young and moved here to live. Up to now, when their children have grown up and have a stable job, grandmother and husband continue to maintain the shop in order to earn more money in and out. Regularly every day, the couple get up at 4 o’clock to go to the market, prepare ingredients and serve the goods. When Mrs. Thuan cooks, the husband will take care of the calf handling, cleaning, and other chores. “For nearly 30 years, my wife and I have been taking care of this restaurant together. He is very much without him,” said the owner. The dish every day is decided by the owner based on the ingredients purchased to ensure the quality of the dish. Besides the skill of cooking, the special feature that makes this restaurant can stand firm after about three decades lies in the unique selling style. There is absolutely no fixed menu here, each day a different dish, no day is duplicated. Therefore, diners cannot know in advance what they will enjoy today. “Since opening the store until now, I have always tried to change the food every day. I think customers who eat one dish all the time are tired, having more options like that would be better”, the owner confided. In order to continuously renew the menu, Ms. Thuan has to go to the market twice a day, late in the afternoon and early in the morning. From 17:00 the day before, she will go to the market to buy bones, fresh meat, vegetables and other ingredients must wait until 4 o’clock the next day. “Choosing food then I decide what to do. Changing dishes continuously is not too difficult because I often cook water, but so customers are always curious and eager”, Ms. Thuan revealed. “Believe in the skills of the owner” When asked if any customer has ever complained about this unique way of selling, the shop owner said that because most of them are “real customers” living around here, everyone is accustomed to asking questions before ordering. “Yesterday I sold bun Mam, today I changed to cook beef noodle soup. Meals with seasoned vermicelli, one day vermicelli soup. Every day a customer likes, they will eat, otherwise, the next day. I don’t mind. Specialist, each has a taste that! “, Mrs. Thuan shared. Trading on Thap Muoi street for a long time, the owner almost knows the taste of the majority of “gut termites”. Accordingly, Hue beef noodle soup is the most popular dish. During the days of noodle cooking, the number of customers flocked to a lot more, the orders to order to bring back were also more. “In the past few years, the number of visitors has also decreased, mainly residents around here come to eat. They are a working population, after cleaning the store, then come to breakfast or ask me to bring bowl over,” her husband Thuan said. Because customers are mainly people around Thap Muoi street, the shop will bring bowl to the place as required. Whether it’s beef noodle soup, Hue beef vermicelli, noodle soup or banh canh, the dishes here are always priced at 30,000 VND / bowl. Most customers at the restaurant believe that this is a reasonable price, commensurate with the quality of the meal. Mr. Vinh (born in 1971) is one of the loyal diners at this popular breakfast restaurant. Every morning around 7am, this man will come over here to have a meal before going to work. “I have been eating here since I was young, almost every day. Every day I change a different dish, but I do not feel troublesome because I believe in the skills of the hostess,” this guest said. Mr. Dung (residing in District 1, Ho Chi Minh City) also regularly visits the shop to support the couple of Mrs. Thuan because the food is palatable, the price is reasonable and the way to work is convenient. “Eating here for a long time, but I have never wondered about the quality of the food. Every day I like it, I buy it, otherwise I will make an appointment later. . The dish changes every day, but no customers complain, wondering because they believe in the skills of the owner.