Is it reliable to recruit in Nanjing during agricultural disputes?

In the last century, Chairman Mao once said, "The countryside is a vast world, where you can make great achievements."

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Is it reliable to recruit in Nanjing during agricultural disputes?

In the last century, Chairman Mao once said, "The countryside is a vast world, where you can make great achievements."

Half a century later, the rural financial market seems to confirm this sentence and began to heat up gradually. Will rural finance be the next outlet?

20 17 ushered in the news of successful financing of agricultural staging companies.

65438+ 10 On June 4th, Nanjing Agricultural Staging E-Commerce Co., Ltd. (hereinafter referred to as "Agricultural Staging") obtained a round of financing of 1 100 million yuan. Less than half a month later, on June 7th, 65438+ 10, Shima Finance announced that it had completed this round of financing of nearly 100 million yuan for the second time in half a year. The enthusiasm of the capital market shows an optimistic attitude towards agricultural finance.

In fact, long before the consumer finance market was in full swing, rural finance was nothing new.

The primary stage of rural finance should be the rural credit cooperatives that rose in the 1950s. Each county association is equivalent to an independent bank (enterprise), and the actual owner is the provincial government. The three rural service providers, which provide feed, seeds, fishery medicine, agricultural village music, Dabeinong and New Hope, have also launched their own rural financial products by virtue of their own industrial accumulation. In addition, e-commerce platform and P2P also tested rural finance.

So, what is unique about the rural+consumer finance model?

Financial challenge of agricultural consumption

First of all, the biggest challenge facing rural consumer finance comes from rural geography and demographic characteristics.

Rural areas are vast and sparsely populated, and young adults become the main source of urban migrant workers, while most of them stay in rural areas are old, weak, women and children; Smartphones are not popular. This also means that rural staging is more about promotion and popularization. Front-end installment sales need to travel long distances to handle business, and marketing promotion is a "hard bone".

On the other hand, unlike cities with strong mobility, the countryside is an acquaintance society. Although there is generally no bank credit record report, it will pay great attention to its local credit.

The third challenge, in rural life, what is the immediate demand for large materials and scenes that really need credit and repeated purchases? Agricultural life needs agricultural machinery, agricultural materials and land circulation. The subsequent credit demand has emerged: buying seed feed, agricultural machinery and other agricultural materials, while electric vehicles and motorcycles have become ideal means of transportation with moderate prices and convenient transportation.

A new model of agricultural consumption finance--taking agricultural staging and shima finance as examples.

Obtain the "agricultural staging" with the largest financing amount for agricultural venture enterprises, and cut into the just-needed agricultural machinery credit.

Zhou Jian, the founder of agricultural staging, introduced to Sohu Technology that there are three main businesses in agricultural staging at present-staging services for agricultural machinery, agricultural materials and land rent. Among them, agricultural machinery products cover tractors, transplanters and harvesters. And the products come from offline cooperative dealers. Agricultural products include seeds, pesticides and fertilizers. The main customers are large growers, agricultural machinery cooperatives and other operating farmers, and the average loan amount of users is about 80 thousand yuan.

In terms of risk control, according to the information of official website, ABC has an offline business team of nearly 400 people to complete the credit reporting business. At present, agricultural staging outlets have spread all over Jiangsu, Anhui, Jiangxi, Henan, Shandong, Hubei, Hebei and other major grain-producing provinces, and more than 0/00 county-level offices have been set up, covering more than 0/10,000 townships and serving more than 20,000 farmers.

Coincidentally, Shima Finance, which has just received nearly 100 million b+ rounds of financing, solves the user's travel scene. At present, the two core products of Shima Finance are Shima installment and credit loan. The former provides interest-free and low-interest installment service for farmers to buy vehicles for six months or 12 months, while the latter provides special interest-free or low-interest purchase liquidity loan service for vehicle dealers for 1, 3 and 6 periods.

Although there is no credit record, farmers are not people with bad credit.

According to 36kr report, Ning Rui, CEO of Shima Finance, said that the business data of a large number of township outlets showed that the overdue rate of rural users for financial services was very low, because their hometown life circle was small and their neighbors knew each other well, so it was still very shameful for them to borrow money.

On the other hand, Shima Finance also adopted the "partner model" to penetrate the huge rural population.

Shima Finance first looks for business partners nationwide, and then looks for electric vehicle and motorcycle agents as financial partners. Financial partners are under the jurisdiction of county-level agents, and county-level agents are under the jurisdiction of township shopkeepers. Shima Finance adopts the way of "24-hour overdue feedback and post-loan risk sharing" to bind everyone's interests together and control the overdue rate.

Future?

Compared with education staging, medical beauty staging and other scenarios, rural consumer finance is one of the few areas that BAT giants have not set foot in, and it should also belong to a blue ocean.

However, some players are gearing up and want to make a difference in the vast countryside.

Calf staging "triggers"? Juyi "project was launched on April 20 16, and it was announced to enter the rural financial field. Haier Consumer Finance also launched the activity of "Haier 0 yuan buys affordable goods to see me", which was staged in more than 0/000 township appliance stores in Haier/KLOC.

Rural+consumer finance, a vast world, promising in the future.