The business opportunity captured by Zhu Lixin is to expand the market and connect the distribution channels with local grapes, and the price difference is considerable. The following is what I shared? New farmers? Zhu Lixin's entrepreneurial story of jogging in small steps, welcome to read!
Starting from high-speed railway station, Hangzhou, Zhejiang, we arrived in Changxing County, a neighboring city under Huzhou, and then drove for more than 20 minutes. New farmers? Zhu Lixin's Anxin family farm can be easily reached. This farm, which is only 3 kilometers away from the county seat, must be crowded with tourists every weekend if the fruit is ripe. Many of the people who came to pick it came from Hangzhou and Shanghai.
In terms of popularity, Anxin is definitely the best in the surrounding farms, but in terms of qualifications, it is only a rookie founded less than three years ago, and even the farmer Zhu Lixin has just stood out. Why do latecomers come to the top? It is understood that relying on a land contract circulation management certificate, Zhu Lixin has obtained a loan of 4.8 million yuan twice in a row. It was this financing that solved Zhu Lixin's urgent need and made the farm develop by leaps and bounds.
At the beginning of the Spring Festival, I went to Zhu Lixin's farm to explore his entrepreneurial story.
1
Don't sit in the office, you have to farm.
The location of Zhu Lixin's farm is very easy to find. There are signs all the way from the entrance to the entrance. Although the overall scale is small, only 120 mu, dozens of greenhouses have been built one after another, which looks quite spectacular. Zhu Lixin, born in 1984, is one of the few undergraduates in his family. Although he has jumped into the farm for seven or eight years, he still exudes bookishness, but his skin is already dark.
At the beginning of the interview, two people came? Uninvited guests? . When asked, they came all the way from Luoyang, Henan. Both of them are post-80s, and they are also going back to their hometown to plant pitaya. Two days ago, they saw Zhu Lixin planting pitaya in Focus Interview, and they found Changxing all the way from Luoyang. Let Zhu Lixin go to CCTV because of the transfer of land contractual management rights certificates of two mortgage loans.
Zhu Lixin graduated from Nantong University, Jiangsu Province, majoring in human resource management in 2007. After graduation, she hopes to join a well-known local private enterprise in Changxing as an office administrator. Although the starting salary was not high, Zhu Lixin was quickly entrusted with a heavy responsibility because of his hard work and vitality. In the past two years, his annual salary has increased several times. Just as his career was booming, he resigned and prepared to go home? Agriculture.
Finally, I was admitted to the university and got promoted. Why did you jump back to the farm? Zhu Lixin is not fooling around; He saw a glimmer of hope. My father began to grow grapes in 2000. The benefits in the first few years were really gratifying, and he made a lot of money. However, in recent years, more and more farmers grow grapes around. Due to the lack of marketing awareness, the price of grapes keeps falling, and unsalable sales occur from time to time.
The business opportunity captured by Zhu Lixin is to expand the market and connect the distribution channels with local grapes, and the price difference is considerable. Due to insufficient capital accumulation, Zhu Lixin first took grapes from relatives and friends as supplies. In a few months, he traveled all over Shandong, Anhui, Shanghai and other places. I didn't expect to earn 200,000 to 300,000 in the first year. Two years later, Zhu Lixin tasted the sweetness, but what about the light? Business? After all, it is not a long-term solution. He thought of starting a business, so he and his family transferred more than 500 mu of land in Si 'an Town, Changxing, and invested in planting fruits. In addition to the main grapes, there are more than ten kinds of fruits such as figs, kiwis and bayberry in the park. The variety seems to be rich, but it also brings many disadvantages: complex management technology and high labor cost. In the end, this venture failed with Zhu Lixin's 20 14 withdrawal.
However, after four years of entrepreneurial experience, Zhu Lixin not only learned a lesson, but also found another entrepreneurial opportunity. The lesson is that agriculture must be positioned clearly and accurately; The new machine is pitaya, as a new product at present, what about the future? Qian Jing? Infinite. Zhu Lixin is going to start again and plant pitaya.
2
The management right mortgage loan has solved this problem.
To re-run the farm, we must first choose the right site to transfer the land. By chance, a piece of 120 mu of land in Xujiabang Village, Huaxi Street came into Zhu Lixin's field of vision. Although the area is twice as large as expected, the advantages here are unparalleled: the waterways are vertical and horizontal, and the environment is beautiful. The key distance is 3 kilometers from the main city and only 2 kilometers from the nearest high-speed entrance and exit.
Zhu Lixin decided to start a second business here. This time, he defined the farm position and planted pitaya and grapes. The former is dominant, and two kinds of fruits are interplanted. Zhu Lixin invested nearly 10 million yuan in the early stage of building greenhouses, repairing infrastructure, buying seedlings and transferring land, not to mention spending all his savings at home and owing a lot of debts. After a season's harvest, Zhu Lixin found some problems.
? Old varieties need artificial pollination, and they are easy to crack and their quality is not the best. ? Zhu Lixin told reporters that the biggest problem brought by artificial pollination is that once the flowering period is concentrated, more than 20 women will be called to pollinate every night. Not only the cost, but also where to find so many people. ?
Fortunately, during a trip in Taiwan Province Province, Zhu Lixin discovered a new variety of pitaya that can pollinate itself. It can be calculated that if new varieties are replaced on a large scale, it will cost at least more than 600,000 yuan, which is not a small sum for a farm that has just been operating for one year and cannot make ends meet. How to raise it? Zhu Lixin became worried.
Just when Li-xin zhu hesitated, the county agricultural bureau staff came to you and delivered it? Olive branch? . It turns out that as early as 20 10, the county began to try out mortgage loans for rural land contractual management rights. At first, due to the restrictions of national policies and laws, banks were cautious in lending, but later it was found that banks and business entities were very enthusiastic about this loan. 20 14 Changxing deepened the pilot project, redefined the thinking and framework, integrated departmental resources, and vigorously promoted the implementation of policies.
? Our target is a' family farm' like Anxin, which solves short-term financing needs through mortgage loans for land contractual management rights. ? Wang Xun of Agricultural Economics Station of Changxing County Agriculture Bureau told the reporter that when the subject applies for a loan, the relevant experts of the Agriculture Bureau and the bank will generally conduct loan investigation and audit to calculate the mortgage value. After entering the approval and handling stage, it only takes two or three days before and after the loan can be released.
The reporter saw that the agricultural business entity can receive the rural land contract circulation management right certificate and his right certificate registration certificate, all of which are issued by the county government. The former indicates information such as circulation mode, term, use and area, while the latter indicates collateral area, evaluation value and loan amount. Generally speaking, the evaluation value refers to infrastructure investment, the value of crops and ground attachments, the average annual or current net income, etc.
In this way, Zhu Lixin secured a loan of 6.5438+0.8 million yuan with the land management right, which was used to purchase new seedlings and improve the soil. After the introduction of new varieties, a lot of costs were saved, and the quality of pitaya was obviously improved, and the market was better. In one year, Zhu Lixin successfully paid off the loan.
three
? Repeat customers? Lend another 3 million to upgrade the farm.
Because it is a new thing, natural risks and market risks are inevitable in the process of agricultural operation. In order to reduce the risks brought by non-performing loans, Changxing reasonably determined the loan amount and term at the beginning of promoting the mortgage loan for management rights, and generally controlled the loan at 30%~60% of the assessed value, with a maximum period of one year and two years.
In addition, Changxing has also established a risk sharing and compensation mechanism for mortgage loans of rural land contractual management rights. In case of non-performing loans, the risk compensation funds of small and micro enterprises in the county will be compensated according to 30% of the actual losses. At the same time, in order to guide and encourage financial institutions to intensify their work, the county has set up a special reward system, and the county finance evaluates and rewards financial institutions every year.
20 16 Changxing county, on the basis of deepening the pilot project in the previous two years, further solved the problems of irregular contract, unscientific value evaluation and difficult mortgage disposal, and was established as the first batch of rural contracted land management right mortgage loan pilot counties in China. According to the data, by the end of last year, the mortgage loan balance of Changxing land contractual management right reached 211000000 yuan, an increase of nearly1030000 yuan that year.
The relevant personnel of Changxing Village Bank, which mainly undertakes the loan business, told reporters that many loan customers are loans at one time? Repeat customers? Because of the convenient procedures, timely loans, and some government interest subsidies, everyone immediately thought of financing with mortgage loans as soon as they needed funds.
Like Zhu Lixin, not long ago, he took out a mortgage loan for the management right for the second time. This time, he got a loan of 3 million.
Zhu Lixin told reporters that in his second venture, he did not run very fast, but jogged in small steps, mastered every node, and used every investment in an orderly and planned way, such as adding an automatic film rolling system and installing LED lights for plant lighting. In the past two years, the financing provided by mortgage loans for contractual management rights has been escorted all the way.
? I plan to upgrade the farm to a combination of agriculture and tourism, introduce sightseeing and picking, and build supporting facilities such as parent-child play area, farming experience area, agricultural cultural corridor, self-service dining area and fishing. In order to improve the comfort of tourists, I also plan to build an external sunshade system and a temperature control system, which add up to several million. ? However, Zhu Lixin is full of confidence in the development situation. In 20 16 years, his report card was that the net profit reached nearly 1 10,000 yuan. This year, as the farm enters a prosperous period, the profit will definitely be better.
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