Agricultural giant since 1983

Chapter 397 Sun Dawu

"Real estate is indeed one of the biggest hot spots in the next 20 years, but there are so many opportunities to make money, it's better to be involved in everything than to specialize in one. I'll continue to do agriculture!" Li Lei shook his head, and then changed the subject, " Huinong will definitely not do real estate projects such as residential buildings, office buildings, and shopping malls, but some real estate projects related to agriculture can still be considered, such as bazaars, agricultural materials markets, etc. We have resources to do these things, and we are worse than those Real estate companies are much more convenient, and there are warehouse logistics parks, you can try them all!"

There is a big difference between a professional market and an ordinary real estate project. Ordinary real estate projects rely heavily on government resources. Professional real estate also has problems in this regard, but what is more important is how to gain the trust of consumers and how to attract enough merchants to settle in. Huinong is not a problem.

After the economic conditions reach a certain level in the future, we can try to combine agriculture and tourism, and do some agricultural tourism real estate projects, but these are not suitable for development at the moment, so Li Lei did not say for the time being, you can start preparations in advance, Arrange people to go abroad to investigate similar projects, and then make adjustments according to the specific domestic conditions, so that when the time comes, you can start directly.

"It's better for you to survive!" Wang Shi felt a little regretful. If Huinong planned to enter the real estate market, at least in Central Plains Province and Tiannan Province, it would definitely be smooth sailing. By then, Vanke and Huinong's cooperation would definitely be beneficial. It is easy to make a lot of profits, but unfortunately Li Lei is not interested in these things, and Wang Shi can't force him to do it, so he can only find a way by himself.

The approval of the cooperation was quickly completed. Li Lei and Lian Zhenhua signed the contract, and then the land and the buildings above it, as well as the motorcade, all belonged to Huinong. Li Lei left manpower to complete the follow-up work, while he himself He left first and went to the capital, planning to discuss the issue of breeding loans with the directors of Minsheng.

Wang Shi continued to stay here to talk with Lian Zhenhua. The hotel project was almost finished, but Lian Zhenhua had more good projects than this one. They still had several lands in the urban area, and Wang Shi wanted to win more. Otherwise, he wouldn't come here in person, and he, the boss of a listed company, won't be able to be hired by just one project.

Of course, these have nothing to do with Li Lei. He has arrived in the capital now, and then he went to visit Jing Shuping. Jing Shuping is quite supportive of this project, but he also has concerns. It’s time to do a good job of risk control, but these breeding enterprises are distributed all over the country, and our Minsheng Bank does not have enough business outlets, how to solve this problem?”

"We can start from two aspects. Those breeding enterprises located in the location of our Minsheng business point can go directly to the business point to apply for a loan, and then we will conduct a review. During the review, we should not only look at their hardware facilities, but also pay attention to their software strength. , such as the level of technical personnel, the ability of management personnel, whether the sales channels are smooth, etc., these Huinong can help."

"If there is no Minsheng business in the local area, you can cooperate with Xinhe. In 85, a document was issued to allow 'horizontal business connections between credit unions, credit unions and professional banks' , with such a policy as an endorsement, it shouldn’t be a problem for us Minsheng to cooperate with credit cooperatives to develop breeding loans.” Li Lei has already thought of a solution, and rural credit cooperatives have always been the most closely connected financial institutions with rural areas, farmers and agriculture. Institutions, even in future generations, will still be like this. They have business outlets all over the townships and have natural advantages.

"I can talk to the leaders of the Xinhe Headquarters about this, and they probably won't object!" Jing Shuping nodded after thinking about it. Once the problem is solved, cooperation can be reached.

"Currently private enterprises are not easy to get loans, especially for farming enterprises in rural areas, even more serious than private enterprises in cities!" Li Lei said. There is a similar description about this issue in "In the Name of the People", which contracted Dafeng Factory Cai Chenggong said that he has not obtained a loan through formal channels for so many years. He either bribed Ouyang Jing to obtain a loan, or took the route of private lending to obtain a high-interest loan.

Even the larger Dalu Group is not much better. Although Wang Dalu does not directly pay bribes, he still has to rely on third-party agencies to do these things, at most to reduce his responsibilities; With entrepreneurial experience, you can know how difficult it is for private enterprises to obtain loans.

Although there is Minsheng Bank now, Minsheng Bank's financial strength is limited after all, and the number of loans it can issue each year is far from being comparable to that of the four major banks. The plight of private enterprises' financing difficulties has not been fundamentally resolved.

"Private enterprises in cities are a little better. At least those who can grow their enterprises have certain social resources. It is still possible to raise funds through these resources; it is much more difficult for farming enterprises in rural areas. They take root in rural areas. , It is much more difficult to obtain resources than the business owners in the city, how can you get enough loans if you don’t have social resources?” Li Lei spread his hands.

In townships, unless it is a deliberate operation, it is the township cadres and leaders of Xinhe who deal most with them on weekdays. They have limited resources, and even if they can get approved loans, they are not much, which is far from meeting the needs of breeding enterprises.

Of course, it is not without benefits to do aquaculture. In the future, farmers will still have state subsidies to fight for. Although it is equally difficult to get these subsidies, there is always a way, right?And it was taken for nothing, and there is no need to return it; but at the moment, the country's money is not so abundant, and there are not many subsidies.

"Many companies that are in urgent need of funds have been unable to get loans. This phenomenon has been going on for many years." Jing Shuping shook his head. He was also very helpless. It is estimated that this situation will be difficult to change in the future. There are too many problems, and it is not only the case in China.

"Mr. Jing, you are an experienced industrialist. Naturally, you are aware of the role of financial support in promoting industry. Now the problems faced by breeding enterprises are not only financing difficulties! They also lack insurance companies to help them resist risks!" You must have heard this sentence, and you can understand how risky the breeding industry is." Li Lei took the opportunity to talk about another matter.

"In foreign countries, there are relatively complete financial supporting services. Farmers can first get loans from banks to purchase breeders, breeders, feed, and equipment. The bank, the bank rents it out to the user, and collects the rent according to the time, which can reduce the investment of the farmer; then the insurance company provides insurance services for the farmer, so that even if the farmer encounters risks, the insurance company will pay compensation, so as not to I have lost all my money, and I will have a chance to make a comeback next year!"

Li Lei used the United States, France and other countries with relatively mature agricultural financial supporting services as examples, and introduced several successful cases of close integration of agriculture and finance to Jing Shuping. Compared with these countries, the domestic supporting services are too immature and risky. Almost all of them fall on the farmers, which will definitely restrict the development speed of the breeding industry. Ordinary people will definitely hesitate to enter a business that is too risky.

Risks will not disappear but will be transferred. Paying insurance money to buy insurance is equivalent to transferring the risk to the insurance company, and the insurance company can use the insurance money to avoid risks. In the process, many breeding companies will definitely encounter risks and lose money every year, but there must be more farming companies that successfully resist risks. As long as the risk assessment is done and the premium is scientifically formulated, the insurance company can control the risk within a certain range and still be able to Take profit.

With the help of insurance companies to resist risks, farmers will be more courageous in expanding the scale of the industry. Since then, a virtuous circle has been formed. This will be done in many places in the future. Financial institutions provide credit support and industrial chains for breeding enterprises. Supporting services such as finance, investment banking services, bond underwriting, financial leasing, insurance, etc. help farming enterprises develop more rapidly.

"These experiences are indeed worth learning!" Jing Shuping listened very seriously. Although he is very old, he still retains the good habit of learning.

"I heard that the Federation of Industry and Commerce is considering preparing our own insurance company? Then, can we also add this business?" This is Li Lei's purpose. The issue of granting loans to farmers is almost the same, but It is not enough to have a loan, but also to have an insurance business to cover the bottom line.

In the future, the Federation of Industry and Commerce will lead the establishment of 21 companies including Wanxiang Group, Oceanwide Holdings, China Nonferrous Metals, Shanxi Haixin Iron and Steel, Jiangxi Huiren Group, East Hope Group, New Hope, BJ Telecom Economic and Technological Development Corporation, and Singapore Asia United. However, the main business of this insurance company is life insurance, health insurance, accident insurance, etc., and it does not involve agricultural insurance business. Li Lei wanted to try to see if he could convince them.

If it doesn't work, it doesn't matter, just find other institutions to cooperate. In the future, there will be professional companies such as Anhua Agricultural Insurance Company and Sunshine Agricultural Mutual Insurance Company that mainly focus on agricultural insurance business. Among these two companies, Anhua Agricultural Insurance Company is the It is a joint-stock company, and its shareholders include Lenovo and other famous companies. Li Lei and Jilin have a good relationship. You can discuss with them in advance, let Huinong become a shareholder, and you can also recruit companies that you are familiar with. As for Lenovo, let them eat ass. Bar.

The Sunshine Agricultural Mutual Insurance Company is more complicated. It is not a joint-stock company, but a national agricultural insurance pilot institution established by the Beidahuang Land Reclamation Group. Li Lei and the Beidahuang Land Reclamation Group have in-depth cooperation in the dairy industry, and they are invited to carry out this pilot project together. It's not impossible.

Asking Jing Shuping now, I just saw that Minsheng’s platform is good, and it would be better if I agreed, Jing Shuping frowned and considered for a moment, and finally shook his head, "It is indeed a good thing, but there is a discrepancy in the plan discussed with us. Even if Lianhe takes the lead in setting up its own insurance company, it has to focus on the existing main types of insurance, agricultural insurance is too different from life insurance and accident insurance, and it is difficult to get involved at the beginning!"

"However, I can ask the leaders of the Ministry of Agriculture for you. Agricultural insurance is also an issue that they have always been concerned about! Maybe you can get useful news! You can also talk to Mr. Tong and Mr. Du, and ask them to convey it on your behalf. Suggestion!" Although Jing Shuping didn't agree, he also gave Li Lei a lot of suggestions.

"Thank you, Mr. Jing! Later, I will sort out some materials in this area, including advanced foreign experience, and what insurance services are needed in rural areas, and then show them to Mr. Tong and Mr. Du!" Establishing an insurance company to launch new insurance can be It's not a trivial matter, Li Lei must be prepared.

"Well, this is the best! When the Federation of Industry and Commerce formally discusses the establishment of an insurance company, you should also participate in the discussion!" Jing Shuping said, he felt that Huinong had performed well before and after the establishment of Minsheng Bank, and he has always attached great importance to it over the years Corporate social responsibility, so give them a chance.

Li Leishen knows the power of insurance companies, and it is definitely a rare opportunity to become a shareholder of a large insurance company, so even though Minsheng Insurance will not involve agricultural business in the short term, he readily agreed to it. bring it on!
Anhua Agricultural Insurance Company was established in 2004, and Sunshine Agricultural Mutual Insurance Company opened in 2005. There are still six or seven years to go. We are not in a hurry, as long as we can push forward the opening time of agricultural insurance companies For one or two years, this is considered a success for Li Lei.

After staying in the capital for a few days, the directors of Minsheng arrived one after another, and then held a board meeting to discuss Li Lei's proposal, because Li Lei's proposal was really good, and it was also a good opportunity to expand the influence of Minsheng Bank, so most of the directors agreed Expressed support, and the issue was quickly passed at the meeting.

After a period of preparation, Minsheng Bank can start to launch the breeding loan service in its own business outlets, as well as outlets that cooperate with Xinhe.

After the news spread, farmers who were in urgent need of funds went to the outlet to inquire about loans. When they saw that their peers had passed the approval and got the loan, the farmers who had been hesitant also came over.

But despite this, not all the farmers who applied could get the loan. Some were because of falsified submissions and information, and some did not meet other application criteria. Then these people began to think of ways, and some even found Li Lei.

Li Lei entrusted these matters to his subordinates, and helped them raise the standards for those who did not meet the standards, and asked them to provide real information for those who falsified, but when he saw a person named Sun Dawu also came to him, Li Lei thought about it Still decided to see you.

(End of this chapter)