Money is just a booster for entrepreneurs, not a lifeline. With money, the project will develop faster, without money, the project will develop slowly.
First of all, I'm not blowing backwards!
Personally, I think the policy of returning home to start a business is a big thing that benefits the country and the people!
I am from the countryside, too. Although I left the countryside 12 years ago, I still have a strong peasant smell.
If the opportunity is right, maybe I will go back to my hometown to start a business.
After all, the local government's policy of returning home to start a business is really attractive. Among them, for example:
1. Grand Policy: The General Office of the State Council issued the Opinions on Supporting Rural Returnees' Entrepreneurial Innovation and Promoting the Integrated Development of Rural Primary, Secondary and Tertiary Industries (hereinafter referred to as the Opinions), providing policy support to rural returnees such as migrant workers, college graduates, retired soldiers and scientific and technological personnel to carry out entrepreneurial innovation in rural areas.
The Opinions call for simplifying market access and establishing registration? Green channel? , free of administrative fees such as registration and license. Improve financial services, steadily and orderly promote the pilot of mortgage loans for rural contracted land management rights, and explore mortgage loans for agricultural facilities, agricultural machinery and biological assets; Promote the development of rural inclusive finance and strengthen financial services for returnees and those who are included in the credit evaluation system; Encourage qualified places to explore innovative pilot projects such as price index insurance, income insurance, credit guarantee insurance, agricultural product quality and safety guarantee insurance, livestock and poultry and aquatic products live insurance. Increase financial support and include qualified personnel in the scope of existing financial support for agriculture, existing entrepreneurial policy support and guarantee support.
Innovative entrepreneurs returning to their hometowns can participate in various social insurances according to relevant regulations in the place of starting a business, and those who have difficulties in life after their initial business failure can enjoy social assistance according to regulations.
2. Local government policies:
Sichuan Province: The General Office of the Sichuan Provincial Government recently issued the "Implementation Opinions on Supporting Entrepreneurial Innovation of Returned Rural People to Promote the Integrated Development of Rural Primary, Secondary and Tertiary Industries", throwing out a package of support policies to encourage and support migrant workers, farmers' entrepreneurship, college graduates, unplanned soldiers (including officers, non-commissioned officers and soldiers), scientific and technological personnel, returned overseas students and young women to start their own businesses and innovations in rural areas and accelerate the integrated development of rural primary and secondary industries.
Sichuan Province will encourage and support returnees to set up family farms, farmers' cooperatives, agricultural enterprises and agricultural socialized service organizations, and form industry organizations or alliances with powerful deep processing enterprises to encourage them to directly invest or participate in the establishment of cooperatives, joint-stock cooperatives and joint-stock enterprises. Encourage returnees to vigorously develop high-quality grain and oil, vegetables, fruits and other characteristic industries, and build agricultural scenic spots, agricultural theme parks and towns with cultural characteristics. Guide returnees to establish agricultural socialized service organizations, and carry out diversified paid services such as agricultural materials distribution, pest control, agricultural waste treatment and agricultural information consultation.
Sichuan Province will provide comprehensive policy support in seven aspects: market access, financial services, financial support, land and electricity use, entrepreneurship training, social security and information technology.
Anhui: Anhui speeds up the cultivation of new agricultural management entities. Encourage large farmers and members of farmers' cooperatives to develop family farms of moderate scale, and support returning migrant workers, college graduates and retired military personnel to set up family farms. On the premise of meeting the requirements of safety, environmental protection and fire protection. Returnees are allowed to use family residences, rented houses and temporary commercial houses as places for e-commerce entrepreneurship. Eligible returnees can get a secured loan of no more than 654.38+10,000 yuan, and give financial discount according to regulations. Returnees who set up small and micro enterprises or new agricultural business entities can get a business guarantee loan of up to 2 million yuan, and give a financial discount at 50% of the benchmark loan interest rate for the same period.
Luohe City, Henan Province: Luohe City, Henan Province issued the "Implementation Opinions on Supporting Migrant Workers to Return to their Hometowns to Start Businesses" (hereinafter referred to as the "Opinions"), which will give a number of subsidies, subsidies, loan guarantees, etc. to migrant workers who return to their hometowns to start businesses? Gift package? .
According to the "Opinions", Luohe City will focus on increasing financial support for migrant workers' entrepreneurial projects: providing qualified returning migrant workers with a maximum of 6,543,800 yuan of entrepreneurial guarantee loans; A business organization that operates in partnership or is organized for employment. Company+farmers? Mode, agricultural cooperatives, according to the maximum of 6,543,800 yuan per person, the total amount does not exceed 500,000 yuan; For qualified labor-intensive small and micro enterprises, a business guarantee loan of up to 2 million yuan can be given. Support funds ranging from 5,000 yuan to 50,000 yuan will be given to farmers' entrepreneurial projects with great development potential, strong employment promotion ability and obvious economic and social benefits. At the same time, if the reward and compensation of the entrepreneurial base are increased to meet the standards of the municipal migrant workers returning to their hometowns to start a business demonstration park, they can get a one-time reward of 6.5438+10,000 yuan; Meet the standards of municipal business incubation base, a one-time reward of 200 thousand yuan. The expenses of property management, sanitation, rent, water and electricity incurred by migrant workers' entrepreneurial entities who have settled in the city's migrant workers' return home business incubator base will be subsidized within three years, with a maximum annual subsidy of 6,543,800 yuan.
Shanxi: The General Office of the Shanxi Provincial Party Committee and the General Office of the Provincial Government jointly issued the Opinions on Implementing the Innovation Project of Shanxi Merchants Returning to their Homes (hereinafter referred to as the Opinions), aiming at further promoting and guiding Shanxi businessmen to return to their hometowns for entrepreneurial innovation and promoting innovation drive, transformation and upgrading in Shanxi Province. The "Opinions" also clearly put forward the work focus, policy support, service environment and safeguard measures of Shanxi businessmen's entrepreneurial innovation project.
Although, policies, subsidies, convenience, etc. It has become a big deal for local governments to support returning home!
However, I think it is still not normal! In particular, they are skeptical about the return policy of local governments.
I have been thinking about how many components of these policies can help returning entrepreneurs.
Let me help you calculate an account first: reduce the water and electricity policy, but the water and electricity fee does not exceed 5000 yuan a year; Industrial and commercial registration opened up a green channel, but the registered company found the agency 500 yuan to get it; If you start a business, you can apply for tax reduction or subsidy, which is 90% of the venture capital needed for starting a business.
The main difficulties and problems of migrant workers returning home to start businesses at present.
Shimen, Hunan released a special investigation report on migrant workers returning home to start businesses. After investigation and interviews, the main difficulties and problems of migrant workers returning home in this county are as follows:
1, insufficient funds. Many entities founded by returning migrant workers have encountered this problem. Commercial loans lack pledge and guarantee, and the restrictive conditions set in venture loans are high, such as no loan records within five years, which greatly limits entrepreneurs who return home.
2. Lack of projects. At present, the entities run by entrepreneurs returning home are mostly service industries and labor-intensive industries, and there are few sunrise projects with real prospects, which limits the entity's enlargement and strength.
3. the labor force is insufficient. The slightly larger enterprises founded by returning entrepreneurs have encountered the problem of labor shortage, and even the county-wide administrative promotion is difficult to guarantee.
4. Lack of technical personnel. The large-scale enterprises founded by entrepreneurs returning from our county have encountered the phenomenon that technicians are hard to find, and even it takes a lot of trouble to recruit several electricians and welders.
These problems are the most common problems encountered by rural entrepreneurs at present, and they also exist objectively. Business success and failure will be funded by several categories.
Eight Real Cases of Rural Entrepreneurship Failure
Next, we will help you summarize eight real cases of rural entrepreneurship failure, hoping to help you sum up your experience and carry forward the past with the case of entrepreneurs' blood and tears.
1, defeated by the weather
Agriculture that depends on the weather will also lose everything because of the weather. When natural disasters come, entrepreneurs are almost helpless.
Case: Ali worked outside the Pearl River Delta in Guangdong 10 years, earning 200,000 to 300,000 yuan. Encouraged by the policy, he is ready to go home and start a business. After all, it is a rural area, so I chose to plant and start a business. So, Ali put all his money into more than 30 acres of land and planted peppers. Among them, fertilizers, pesticides and seedlings are also sold on credit. I watched the pepper grow step by step, and as a result, I met with bad weather this year. Half of the peppers fall in rainy months, and the rest are rotten. Basically lost everything.
2. Be defeated by the wind
In agriculture, especially in rural areas, the phenomenon of following the trend is particularly serious. Rural entrepreneurship may lead to blood loss if it follows the trend.
Case: In the spring of 20 15, its origin market once rose to the historical high price of 1300 yuan (kg price, the same below); At the same time, the price of leech seedlings also rose to sky-high prices in 340 yuan, which was as high as 1 13% compared with 160 yuan in the same period of 20 14. All of a sudden, countless multimillionaires were born? Raising leeches has quickly become the road to wealth that many farmers and investors expect.
In 20 15, Zhang Qiang, who planted dried potatoes, watched his friends make a lot of money by breeding leeches, so he switched to raising leeches. But raising leeches is a technical job, which has a lot to do with the environment. At the same time, the price of leeches fluctuates greatly by the market. The price has also dropped from several thousand yuan to dozens of yuan, and there are no buyers. Zhang Qiang invested more than 2 million in leeches.
Failure lies in ignorance of technology.
To do agriculture, you really need to know a little technology. Otherwise, failure is just around the corner.
Case: Wang Jing rented 150 mu of dried Chinese herbal medicines with an investment of more than 3 million yuan. Because. Wang Jing didn't understand the planting management technology and production habits of medicinal materials, which led to the cultivated medicinal materials failing to meet the standards of the purchaser. More than 3 million is basically ruined.
4. Blindly expand losses.
The scale is not what you think. Large-scale needs the preparation of many factors such as rural mentality, opportunity and ability.
If you want to expand the scale, you must get through all levels and resources.
Case: 20 14, and 20 pigs in Ashong yangle also earned more than 10 million. 20 15 expanded the scale and raised 200 pigs. However, the price of 20 16 will fluctuate greatly, but the feed cost is rising again. Ashong's 200 pigs are basically out of the cost, and they are basically not losing money.
Step 5 lose honesty
Many members are doing things with a lucky attitude. This is not right. In fact, the eyes of the masses are discerning.
Case: Chen Fang engaged in organic agriculture in rural areas and rented 100 mu of organic agricultural land. Introduced by friends, large supermarkets and restaurants such as Beishangguang signed an order agreement. According to the agreement, pesticides and fertilizers are not allowed. But Chen Fang looked at this 100 mu of vegetables, and the pests were almost too serious, so she secretly sprayed pesticides and the pests were prevented. However, the purchasing unit successively detected that all the vegetables sent by Chen Fang were unqualified and were returned. Is everyone in the village talking about Chen Fang? Dishonest? . This 100 mu of vegetables can't be sold, almost all of them are rotten in the ground.
6, lost in the market surplus
Excess market leads to slow sales or price war. At the same time, many rural entrepreneurs have no way to solve the market surplus.
Case: Yi Dabiao is very famous in Bozhou. He used to be one of the few in the area. Rich people? The assets exceeded 10 million, so 600 mu of land was transferred twice, and the first leek production and marketing association was established in Qiaocheng District of Bozhou City. Yi Biao was elected as the president of the association, specializing in planting leeks and promoting the development of local leek industry. In order to encourage easy compliance to set an example, the government promised to start from? Policies, funds, projects? Give him support. However, due to the lack of overall planning, there has been a rush to launch a horse, and the local leek production is surplus. Cheap vegetables hurt farmers? , most of the land transfer households, suddenly lost in a big mess.
7. Management failure.
Many families, villages or cooperatives are relatives, brothers or neighbors who live by themselves. In rural areas, many rural entrepreneurs ignore the management of personnel out of face.
Case: The Dianxiang Vegetable Professional Cooperative founded by Zhang Weigang had such a lesson. After joining the cooperative, farmers become new members and get paid like city people. At the beginning, because of poor management, members were exposed to the problem of consciously not working hard. Most cooperatives are essentially simple buying and selling relationships, and the real interest relationship has not yet formed. In this loose state, although the group has gathered, there is a big gap left, so it is naturally difficult to safeguard the interests of farmers. Once the cooperative encounters operational difficulties, many members will lose patience, leave the cooperative and even break the contract.
8. Sales loss.
Selling products is the key to success. However, many rural entrepreneurs are particularly blind in marketing and sales. It is also reasonable that the products cannot be sold and the business fails.
Case: It was found that there was a great demand for native chickens and eggs. Li Yanguo rented more than 2,000 mu of mountains to engage in ecological farming of native chickens. First, a small-scale chicken farm was set up in Shanchang, and 1 0,000 chickens were purchased. In the first year, 8000 chickens were carefully raised, which condensed Li Yanguo's hard work for more than half a year. In order to ensure natural and pollution-free, even herbicides are not allowed to be used in the farms on the mountain.
According to Li Yanguo's original estimate, the market demand should be around 20,000, but it is not so big now. The demand for chickens in restaurants and farmhouses in Qian Shan Avenue and Yuanshi County can reach about 20,000 a year, but so far, only a few friends have confirmed that each person needs 100 chickens, leaving thousands of chickens without market.
Finally, some people will say that rural entrepreneurship fails because of money. In fact, money is just a booster for entrepreneurs, not a lifeline. With money, the project will develop faster, without money, the project will develop slowly. That's all!
Therefore, the success or failure of rural entrepreneurship must be found. The fundamental problem? . This is also a problem that many rural entrepreneurs must think about.
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