Anyone with a dream is amazing, through the real cases of Dongrong customers, tell the dream story behind the hard work in different fields.
01From "working as a worker" to returning to his hometown to start a business
In the past two years, there has been an upsurge of young people returning to their hometowns to start businesses across the country, and Cao Bin (pseudonym) is one of these entrepreneurs who have returned to their hometowns. In October 2019, he resigned from his job in the big city and returned to his hometown in Heze, Shandong. After resigning, Cao Bin used the savings he had saved over the years and borrowed money from relatives and friends to open his first fruit shop. Owning a small shop that you run by yourself is the fulfillment of your childhood dream.
Since its opening, the business of the store has been booming, but the good times did not last long, and at the end of 19, the epidemic was raging, and all cities pressed the "pause button". At the same time of epidemic prevention, in order to ensure that the daily needs of residents can be met in a timely manner, although the local ** has given a "green light" to some vegetable shops, fruit shops and other stores that are indispensable to residents' lives, due to the lack of a large number of offline customers, and the production areas of many seasonal fruits are in other places, logistics control during the epidemic has led to a sharp decline in the variety of fruits in the store, and Cao Bin's fruit store business has plummeted.
Speaking of that time, Cao Bin's face could not hide the loss, "Due to the lack of experience in online business, I tried many methods at that time, and also found many online sales platforms. A lot of money was spent, but only a handful of goods were sold, and the business of the store did not improve until around August of the following year. But he didn't give up and decided to visit local growers. When he came to the production area, he found that due to the repeated epidemics, the sales of fruits in many cities were not smooth, coupled with traffic restrictions, which led to a sharp decline in the number of dealers going to fruit farmers, and the harvest of fruits that year, especially apples, was unsalable. Cao Bin immediately reached an agreement with the local fruit farmers to buy a batch of seasonal fruits at a low price. This batch of fruits is directly supplied from the origin, the quality is higher than before, and the key is cheaper, not surprisingly, it was quickly snatched up, and Cao Bin's fruit business has also moved from retail to wholesale. With the rise of the first in the past two years, Cao Bin has gradually figured out the way, reached a long-term cooperation with the local fresh fruit retail channels, and the business has become bigger and bigger.
02 Dongrong, the most powerful backing for dreamers
However, with the expansion of the scale, various problems have also come one after another - the selection of products is not right, the market is not good, and the foreign varieties are slow to be delivered. Among them, the backlog of goods is the most fatal for fruit merchants. "Those of us who have been in the industry for a long time know that the same agricultural products and grain series can be stored and sold slowly; Vegetables are necessities of life, and there are few unsalable cases; However, because the storage period of fruits is very short and it is not a necessity of life, the inventory pressure is much greater. Moreover, many fruits are only produced once a year, and if they are not salable, it will not only affect our wholesalers, but also the income of farmers. ”
In February last year, Cao Bin planned to build a cold storage. After visiting the market for several days, determining the scale of cold storage, equipment selection, construction costs, and operation and maintenance costs, plus the next batch of purchase funds, Cao Bin took stock of the cash on hand, and there was a gap of 200,000 yuan. When I found Dongrong, there was something wrong with a bank loan applied by Cao Bin, and I waited for more than a month before I made the payment. Seeing that the weather was about to heat up, Cao Bin was very anxious. "The apples I mainly wholesale are crisp, juicy and sugary, but they don't stand well and can't be delayed for too long. You see, some apples are wrinkled now. Cao Bin pointed to the fruit ** taken in the mobile phone and said to Dongrong's financing consultant.
After multi-party coordination, Dongrong finally applied for a bank loan of 200,000 yuan for Cao Bin, and the payment was made on the same day. The cold storage was successfully completed, which saved a lot of losses for Cao Bin. "Thanks to Dongrong, those of us who make agricultural products have no worries about funds. Cao Bin smiled. As the weather gradually warms, pineapples, mangoes and other fruits are on the market in large quantities, and the business of the fruit wholesale market will usher in a peak period.
03 Policy Links
Agriculture is the foundation of China's national economy, and according to statistics, the rural population accounts for 36 percent of the country's population11%。Farmers are the hope of China's rural revitalization, and "returning entrepreneurs" like Cao Bin are also the main force of the agricultural economy.
As an indispensable part of the agricultural economy, the marketing of agricultural products is an extension of agricultural production, through the marketing of agricultural products, we can timely understand the market demand, adjust the production structure, improve the quality and output of agricultural products, so as not only the healthy development of the agricultural economy. However, like many small and micro enterprises, the problem of capital is a major obstacle to the development of agricultural enterprises.
On June 16, 2023, the People's Bank of China and the State Administration of Financial Supervision and Administration issued the "Guiding Opinions on Financial Support for Comprehensively Promoting Rural Revitalization and Accelerating the Construction of a Strong Agricultural Country", which clearly proposed to increase the investment of financial resources for the high-quality development of rural industries. Dongrong gives full play to its financial technology capabilities to support the development of agricultural economy, gives agricultural product enterprises in various places the power of precise drip irrigation finance, activates the "source of living water" for rural revitalization, and carries financial pressure on these "returning entrepreneurs" to alleviate financial problems.
Founded in 2010, Dongrong Technology Group is committed to solving the problem of difficult and expensive financing for small, medium and micro enterprises, and providing one-stop financing solutions for large, medium and micro enterprises through the combination of online and offline mode innovation and technological innovation of the Internet. As the longest-established loan company, Dongrong has nearly 50 branches in more than 20 cities across the country. It has successively won the titles of Shanghai High-tech Enterprise Certification, Shanghai Four New Enterprises, Shanghai Specialized and Special New Enterprises, Shanghai Science and Technology Enterprises, and Shanghai Putuo District Science and Technology Little Giant Enterprises.
Dongrong adheres to the mission of "making the world have no difficult funds", and has successively incubated a number of loan sub-brands such as Oriental Financing Network, Dongrong Financial Services, and Dongrong Loan, providing financial assistance for individuals and enterprises with loan needs. In 2020, Dongrong Technology Group once again extended its business format and established a one-stop enterprise service Internet platform - Qiduoduo, to promote the collaborative innovation of the whole business chain with digital technology, create an enterprise service ecosystem, and help the healthy development of domestic small, medium and micro enterprises.
*: Financial quotient information).
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