The entrepreneurial story of "New Farmer" Zhu Lixin's Xiaobu Jogging

The business opportunity Zhu Lixin captured was to expand the market externally and connect the distribution channels with local grapes. The price difference was very considerable. . The following is the entrepreneurial story of "New Farmer" Zhu Lixin's small steps jogging that I shared. Everyone is welcome to read!

Departing from the Hangzhou High-speed Railway Station in Zhejiang Province, we arrived before we even got hot. In Changxing County, which is under the jurisdiction of the neighboring city of Huzhou, you can easily reach the Anxin Family Farm of Zhu Lixin, a new farmer, by driving for more than 20 minutes. This farm, which is only 3 kilometers away from the county seat, will be packed with tourists every weekend during the fruit ripening season. Among the people who come to pick, there are many people who come specially from Hangzhou and Shanghai.

In terms of popularity, Anxin is definitely one of the best among the surrounding farms, but in terms of qualifications, it is only a rookie that was founded less than three years ago. Even the farmer Zhu Lixin is no more than And stand up. Why did the late comers prevail? It is understood that Zhu Lixin obtained a total of 4.8 million yuan in loans twice in a row by relying on a land contract transfer management right certificate. It was this financing that solved Zhu Lixin's urgent need and enabled the farm to achieve leapfrog development.

At the beginning of the new year, I went to Zhu Lixin’s farm to learn about his entrepreneurial story.

1

If you don’t want to sit in the office, you have to farm

Zhu Lixin’s farm is very easy to find. There are signboards all the way from the village entrance to the farm entrance. , although the overall scale is not large, only more than 120 acres, but dozens of greenhouses are built in a row, it still looks quite spectacular. Zhu Lixin, who was born in 1984, was one of the few college undergraduates in his family. Although he had been working as a farmer for seven or eight years, he still exuded a scholarly spirit, but his skin had long been dark as a farmer.

As soon as the interview started, two "uninvited guests" came. When I asked, I found out that they had come all the way from Luoyang, Henan. They were both born in the 1980s and were planning to go back to their hometown to grow dragon fruit. Two days ago, I saw Zhu Lixin was quite good at growing dragon fruit on CCTV's "Focus Interview", so they went all the way from Luoyang to find it. To Changxing. What made Zhu Lixin appear on CCTV was the two mortgages on the land contract transfer and management rights certificate.

Zhu Lixin graduated from Jiangsu Nantong University in 2007, majoring in human resources management. After graduation, he entered a well-known local private company in Changxing and worked in office administration. Although the starting salary was not high, because Zhu Lixin was hard-working and energetic, he was quickly entrusted with important tasks. In two years, his annual salary doubled several times. Just when his career was booming, he resigned and planned to go home and work in farming.

After finally getting into college and getting promoted, why did he jump back to farming? Zhu Lixin was not fooling around, he saw a glimmer of business opportunities. My father started growing grapes in 2000. In the first few years, the results were really good and he made a lot of money. However, in recent years, there have been more and more farmers growing grapes in the surrounding areas. Due to the lack of marketing awareness in most of them, the price of grapes has continued to rise. When prices go down, slow sales happen from time to time.

The business opportunity Zhu Lixin captured was to expand the market externally and connect distribution channels with local grapes. The price difference was considerable. Due to lack of capital accumulation, Zhu Lixin first used grapes from relatives and friends as supplies. In a few months, he traveled to Shandong, Anhui, Shanghai and other places. Unexpectedly, he made two to three hundred thousand in the first year. After two years, Zhu Lixin tasted the benefits, but buying and selling alone was not a long-term solution. He thought of starting a business, so he and his family transferred more than 500 acres of land in Si'an Town, Changxing, and invested in growing fruits. In addition to the main grapes, more than ten kinds of fruits such as figs, kiwis, and bayberries are planted in the garden. The variety seems rich, but it also brings many disadvantages: complex management technology, high labor costs, etc. In the end, this venture failed with the withdrawal of Zhu Lixin's shares in 2014.

However, four years of entrepreneurial experience have allowed Zhu Lixin to learn lessons and find another new entrepreneurial opportunity. The lesson is that agriculture must have a clear and accurate positioning; the new opportunity is that as a new product nowadays, dragon fruit has unlimited money prospects in the future. Zhu Lixin is ready to choose an opportunity to set off again to grow dragon fruit.

2

Business rights mortgage loan solves the problem

If you want to start a farm, you must first select a location and transfer the land. By chance, a 120-acre piece of land in Xujiabang Village, Huaxi Street came into Zhu Lixin's field of vision. Although the area was twice as large as expected, the advantages here were unparalleled: waterways, beautiful environment, and the key is 3 kilometers away from the main city. , only 2 kilometers away from the nearest highway entrance and exit.

Zhu Lixin decided to start his second business here. This time, he clearly defined the position of the farm and planted dragon fruit and grapes, mainly the former, and interplanting the two fruits. Zhu Lixin invested nearly 10 million in building greenhouses, repairing infrastructure, purchasing seedlings, and land transfer fees. Not only did he use up his family's savings, he also owed a lot of debt. After one harvest season, Zhu Lixin discovered some problems.

?Old varieties require artificial pollination, and the fruit is prone to cracking, so the quality is not the best. ? Zhu Lixin told reporters that the biggest problem caused by artificial pollination is that once the flowering period is concentrated, more than 20 women have to be called every night to pollinate. ? Not only is it a cost issue, the key is where to find so many people. ?

Fortunately, during a trip to Taiwan, Zhu Lixin discovered that there was a new local dragon fruit variety that could self-pollinate. However, a quick calculation shows that replacing new varieties on a large scale would cost at least more than 600,000 yuan. This is a large sum for a farm that has just been operating for one year and cannot make ends meet. How to raise money? Zhu Lixin was worried.

Just when Zhu Lixin was extremely hesitant, staff from the county Agriculture Bureau came to the door and unexpectedly delivered an "olive branch". It turns out that the county began to test the mortgage loan for rural land contract management rights as early as 2010. At first, due to the restrictions of national policies and laws, banks were more cautious in lending, but later it was discovered that banks and operating entities were very happy with this loan. In 2014, Changxing deepened the pilot program, re-clarified the ideas and structure, integrated departmental resources, and vigorously promoted the implementation of the policy.

What we are targeting are family farms like Anxin, which solve their short-term financing needs through mortgage loans on land contract management rights. ?Wang Xun of the Agricultural Economics Station of the Changxing County Agricultural Bureau told reporters that when a subject submits a loan application, the relevant experts from the Agricultural Bureau and the bank accountant will jointly conduct a loan investigation and review, and calculate the mortgage value. After entering the approval and processing stage, It only takes two or three days to get the loan.

The reporter saw that agricultural business entities can receive rural land contract transfer management rights certificates and other rights certificate registration certificates, both of which are stamped and issued by the county government. The former indicates the transfer method, period, purpose, area, etc. Information, the latter indicates the area of ??the mortgage, assessed value, loan amount, etc. Generally speaking, the assessment value refers to infrastructure investment, the value of crops and ground attachments, average annual or current year net income, etc.

In this way, Zhu Lixin used the land management rights as a mortgage to obtain a loan of 1.8 million yuan, which he used to purchase new seedlings, improve the soil, etc. After the introduction of new varieties, a lot of costs were saved, and the quality of dragon fruit was significantly improved, and the sales were also better. Within one year, Zhu Lixin successfully paid off the loan.

3

? Repeat customers? Loan another 3 million yuan to upgrade the farm

Because it is a new thing, and natural risks and market risks are inevitable in the agricultural operation process. , in order to reduce the risks brought by non-performing loans, Changxing reasonably determined the loan amount and period when it promoted operating rights mortgage loans. The loan is generally controlled at 30% to 60% of the estimated value, and the period is usually one year, with the longest Two years.

In addition, Changxing has also established a risk sharing and compensation mechanism for rural land contract management rights mortgage loans. Once a non-performing loan occurs, the county's small and micro enterprise risk compensation funds will compensate 30% of the actual losses. At the same time, in order to guide and encourage financial institutions to increase their promotion efforts, the county has set up a special reward system, and the county finance department assesses and rewards financial institutions every year.

In 2016, based on the in-depth pilot projects in the previous two years, Changxing County was established as one of the first batch of rural contracted land management right mortgage loan pilot counties in the country, specifically targeting early issues to further resolve contract irregularities, value Problems such as unscientific evaluation and difficulty in disposing of collateral.

Data show that as of the end of last year, the balance of Changxing land contract transfer management rights mortgage loans reached 211 million yuan, an increase of nearly 103 million yuan that year.

Relevant personnel of Changxing Rural Bank, which mainly undertakes loan business, told reporters that among the loan customers, many are repeat customers who have borrowed once, because of convenient procedures, timely lending, and partial interest subsidies from the government. , now when everyone has a need for funds, they immediately think of using mortgage loans to finance.

For example, Zhu Lixin, not long ago, applied for a second operating rights mortgage loan. This time, he got a loan of 3 million yuan.

Zhu Lixin told reporters that when he started his business for the second time, he did not run fast, but took small steps to jog, mastering every node, and making good use of every investment in an orderly and planned manner, such as purchasing new products. Automatic film rolling system, install LED lights for plant supplementary lighting. In the past two years, the financing provided by the mortgage loan of the contracted operating rights has protected it all the way.

? I plan to upgrade the farm into an agricultural and tourism park, introduce sightseeing and picking, and build parent-child recreation areas, farming experience areas, agricultural cultural corridors, self-service dining areas, fishing and other supporting facilities, in order to improve the comfort of tourists. Therefore, I am also planning to build an external sunshade system and a temperature control system, which together will amount to millions of dollars of investment. ?However, Zhu Lixin is full of confidence in the development situation. In 2016, his report card was that his net profit reached nearly 1 million yuan. This year, as the farm enters its peak production period, profits will definitely be even better. ;