From downtown Chengdu, via Chengnan Expressway, less than an hour's drive, from the bustling downtown, to the typical Sichuan hilly area, Jintang. Zhuanglong Town - China ecological town, Sichuan sericulture hometown. Every day from the city to the countryside scene switch, is the 1980s agricultural entrepreneur Lin Yong's daily life, a city boy, but doing an agricultural dream. In the face of his family's opposition, Lin Yong still resolutely applied for Sichuan Agricultural University and became a "quasi-veterinarian" in the eyes of his family and friends. Since then, this "new farmer" has opened an indisdisable bond with agriculture.
After graduating from university, Lin Yong directly engaged in his major -- agriculture and animal husbandry industry, engaged in feed sales and service work in a foreign animal nutrition company with a history of more than 100 years, and really began to get close to agriculture and rural areas. In the following nine years, Lin Yong served many simple farmers and accumulated his understanding of agriculture and animal husbandry. He not only understood the difficulties and hardships in the production and management process of farmers, but also saw the opportunities in farming and animal husbandry production: At present, there is only category of animal products without brand, but with the arrival of consumption upgrading, who can provide consumers with higher quality, more in line with food safety requirements of animal products, who will be able to seize consumers in the future.
A seed of entrepreneurship began to be planted in Lin Yong's heart. In 2014, this seed finally sprouted. Lin Yong gave up his position as a sales manager of a foreign company and set up Chengdu Mingji Ecological Agriculture Co., LTD. He came to Jintang to turn the dragon, covering a large area of the mountain, and became the boss. He determined to raise high-quality, different running prairie chicken.
Entrepreneurial "forest manager" is not better than the forest manager before when, limited start-up capital, build breeding base, for the province of labor, he will be the whole family, young and old; Breeding high-quality chicken seedlings, special dietary requirements, Lin Yong own formula, looking for feed factory processing, production is too small too cumbersome was directly rejected, he will be soft and hard to sincere moving; In the early stage, in order to explore the consumer market, he got up at 5 o 'clock every morning, slaughtered and frozen the chicken by himself, and then drove it to the customers' homes. With the chicken quality, his own service and sincerity, he developed nearly 100 family customers and opened the initial sales situation.
Now Mingji Agriculture, with the efforts of Lin Yong and the support of the local government, has become an excellent family demonstration farm in Chengdu. The breeding base has more than 10,000 pheasants in each batch, 20,000 pheasants are produced every year, 300,000 eggs are sold, more than 500 member families are supplied steadily, and the annual sales volume is more than 2 million yuan.
Career thriving Lin Yong, also have their own concerns, as the scale continues to expand, the fund problem is always pressed on his heart a mountain. The running prairie chicken bred by Lin Yong has richer taste and nutrition than ordinary broilers, so the corresponding breeding cost will also increase. For example, the feed of running prairie chicken is grain feed, which does not contain any hormones. The feed cost is much higher than that of ordinary chickens, and the running prairie chicken must be put out in more than 200 days to ensure the taste of chicken. But such a long breeding cycle will inevitably face a lot of liquidity pressure; At the same time, Lin Yong also hopes to let more people know about his commitment to food safety as a "new farmer" and the brand of "Mingji" through online and offline brand communication. However, due to the lack of working capital, this plan has been put on hold.
How to relieve the pressure of circulating capital so as to do a good job in agricultural production and sales is the "difficult point" and "pain point" of the new agricultural management subject represented by Lin Yong. The reasons for the difficulty and high cost of financing for new agricultural operating entities are as follows: on the one hand, most new agricultural operating entities are based on families, without the support of perfect financial statements and operating records, and with unclear rural property rights, it is generally difficult to pass the loan examination of financial institutions. On the other hand, agricultural operators are mostly distributed in remote villages and mountainous areas, so it is difficult for loan officers to grasp the real asset situation of agricultural operators through one or two visits and investigations, and the information transmission cost is extremely high, resulting in serious information asymmetry between agricultural operators and financial institutions, making it difficult to obtain loans.
In view of the financial dilemma faced by the new agricultural business entities, the usual solution of farmers is to transfer the financial pressure to the suppliers of the means of production, but this directly leads to the increase of the price of the means of production and the weakening of farmers' profitability. Or, some agricultural operators will use P2P funds, which cost more than 20%, further weakening profitability.
On the other hand, with the continuous implementation of the rural revitalization strategy, the government has also introduced a series of policies to benefit agriculture and support agriculture, guiding capital into rural areas and solving the problem of difficult and expensive agricultural financing. Sichuan Agricultural Credit Guarantee Co., LTD., for example, is a wholly state-owned policy-based agricultural guarantee company funded and established by Sichuan Provincial Department of Finance. Its main feature is policy-based, non-profit-oriented, and it is a local financial institution specializing in financing guarantee business. It undertakes the responsibility of agricultural policy-based guarantee and can fully increase the credit of Lin Yong and other "new farmers". Thus helping it access the positive role of low interest bank funds.
At the end of December 2018, Chengdu is full of happy New Year flavor. People have prepared New Year's goods, and the sales of Songchicken in Chengdu has also entered the peak season. Busy Lin Yong, received a phone call from a friend in the industry, the phone, the friend mentioned piggy match, what is piggy match? What problem can piggy match solve? Lin Yong's question at that time was bigger than that of the uncle who made pink blowers for his granddaughter! Although very busy, but holding the hope of solving the shortage of liquidity, as well as the curiosity of new things, Lin Yong still came to the "Xiaozhu Match Qi" in Chengdu information site.
At the publicity conference, Wu Dai, COO of Beijing Cloud Marketing mutual movement, systematically elaborated what is "piggy matching", "piggy matching" is the country's first agricultural financial policy information platform, through the use of upstream agricultural supply chain enterprise salesmen, technical attendants familiar with the new main body of agriculture, personnel distribution advantage, Let the salesman of upstream supply chain enterprises become the "sharing salesman" of the platform, collect the basic information of agricultural operators and the dynamic information in the process of production and operation through the Internet tools, collect information in multiple dimensions, and gradually complete the digitization of new agricultural subjects, so as to meet the requirements of financial institutions for their evaluation and insight. Solve the problem of information asymmetry between new agricultural business entities and financial institutions, improve the customer acquisition efficiency of financial institutions, and reduce the post-insurance and post-loan risks along with the continuous collection of dynamic data. Here, Lin Yong also understood the role of the nongdan system to the new agricultural management main body.
Later, after learning the operation logic of Xiaozhu Matching in detail, Lin Yong, as an entrepreneur, realized that it might be an effective way to solve his financial dilemma. Therefore, Lin Yong immediately entered data through the APP "Xiaozhu Matching", digitized himself, and applied for a loan of 500,000 yuan to expand the scale of breeding for his own chicken farm.
The meeting was quickly followed by 2019. At the beginning of the New Year, Lin Yong received a phone call, the phone, let Lin Yong is full of surprise, a bright smile on his face! Is the Sichuan Nongdan Chengdu branch of the credit manager called to help him verify the loan information, verify the demand! Originally, the Xiaozhu Matching platform had connected Lin Yong's uploaded data and financing requirements application with the Strategic Cooperation Department of Sichuan Nongdan and submitted it to relevant business departments. After a detailed understanding of Lin Yong's asset management, Sichuan Nongdan quickly entered the approval process, and immediately transferred Lin Yong's loan demand to Jintang Postal Savings Bank. Then the postal savings credit manager visited Lin Yong's chicken farm, and it only took Lin Yong less than two weeks to successfully pass the initial examination. Moreover, the loan interest rate and insurance premium add up to less than 8%. For agricultural business entities lacking collateral, the comprehensive financing cost can be controlled within 8%, which is indeed very rare.
During the interview with Lin Yong, Lin Yong could not help but praise and call for the efficiency of Sichuan Nongdan. With the support of policy funds, he expressed more confidence in the future development of the company! In the interview loan success experience, Lin Yong said: "I have never taken out a loan before, but I have always paid great attention to personal credit, and kept a complete record of the sales of chicken farms. Many agricultural peers around me find it difficult to borrow money from the bank when they need funds. Generally, they will take other channels to solve the problem of lack of money. Fortunately, with the help of Sichuan Nongdan and the cooperation of "Piglet Matching", we successfully passed the bank examination, and applied for the loan for the expansion of the breeding base and brand publicity."
At the end of the interview, Lin Yong gave a confident smile, which is the vision of a better future!
In China, the rural revitalization strategy cannot be realized without millions of "new farmers" like Lin Yong. Come on, dream chasing people! In 2019, piggy together!
