Lixin boy returns to his hometown to become a big cooperative.

"Watermelon is now 1.6 yuan / jin, and the lowest is 1.5 yuan / jin. After the Dragon Boat Festival, the price of hot pepper has dropped from 3.8 yuan / jin before the festival to 1.6 yuan / jin now. Time is money. The price of this vegetable fluctuates too much. Sometimes, the market price can be 2 or 3 times different in one day," said Xia Chenyang, a 22-year-old veteran. He is a complete experienced businessman in the mall. "I have been in this co-operative for two years. I have grown from 50 mu at first to more than 200 mu now, and I cannot do without the support of the Agricultural and Commercial Bank of China. Next, I am going to transfer another 200 mu of land, absorb all the retail investors who grow chili peppers into the cooperative, deepen and strengthen the chili industry, and create their own green brand. "

Xia Chenyang, who was born in 1991, is a college student majoring in aquaculture. Influenced by his family, he planned to go back to his hometown to start a business in the university. After graduation, he was successfully admitted to work in Anhui Haoxiang Agriculture and Animal Husbandry Group. In a year, he started from the grass-roots breeding, group leader, class leader, captain, his promotion road is particularly smooth. The high income and the corresponding major, which are very satisfactory to ordinary people, did not wear away his passion for starting a business. In 2011, the Lixin County government launched the "College Student Entrepreneurship" support program, Xia Chenyang knew that his opportunity had come. He resolutely quit the job that his peers envied and devoted himself to the craze of starting a business.

The cruelty of reality dealt a blow to the 20-year-old boy. There is no project, no capital, no market, no venue, no talent. Xia Chenyang, who has not yet learned to swim, choked a lot of water. When he was confused, the classmate who worked in the county agriculture bureau gave him an idea to grow chili peppers. At that time, the chili market was good, and more importantly, the cost of growing chili was low, and he, who had just started a business, was able to support this rich project on his own. Through more than a year of efforts, Xia Chenyang transferred 50 mu of land in Daguan Village, Liujiaji Township, Lixin County, built more than 40 pepper planting greenhouses, and created a small planting cooperative of his own, with prosperous supply and marketing, covering the surrounding market. in order to realize the dream of leading the villagers to become rich together, he plans to implement the operation and management model of "cooperatives + retail investors".

"at that time, I made some money, and my head began to get hot and blindly launched new products. As a result, the new varieties introduced had not been verified beforehand, and they were all dead." Xia Chenyang squatted down and touched the green pepper in the greenhouse. "not only did he paste all the money earned, but also borrowed foreign debts. The market could hardly survive. It was the agricultural and commercial bank that gave me a hand. Without the 200000 yuan loan they put out, the farm might not be as large as it is now. " After solving the financial problem, Xia Chenyang began to work steadily and established a cooperative relationship with the agricultural bureau in the county. All the varieties introduced into the plantation have been scientifically verified, and the output and quality are guaranteed. It was under the guidance of experts that Xia Chenyang's plantation began to expand. He absorbed the surrounding retail growers and established a professional cooperative for planting in Tengxiang, Lixin County, and its products also developed from single chili peppers to watermelons, flowers, grapes and so on. "at present, the farm has a circulation of 200 mu of land, with an average yield of 5000 jin of fruits and vegetables per mu. If the year is good, the annual net profit can reach 1 million yuan. The chili market was not very good last year. Excluding all kinds of expenses, I only made a profit of more than 200,000 yuan. " That's what Xia Chenyang said.

When you are rich, you will never forget your fellow villagers. During the more than four months of planting and picking in the field every year, Xia Chenyang's farm is crowded with farmers from the surrounding villages. "Chili peppers are harvested twice a year. June, July, October and November are the peak picking season. At that time, I had to hire 30 people in my farm, each of whom was paid 40-50 yuan a day, and they were all willing to come to me to work. It's close to home and the salary is high. " Xia Chenyang pointed to the farmers working in the greenhouse and said proudly.

Today, chili peppers, watermelons and other products grown by Xia Chenyang's cooperatives have rushed out of Anhui, entered markets in eastern and southern China, and set up their own sales agencies in first-and second-tier cities such as Hunan, Sichuan, Chongqing and Guangdong. "at present, most of my marketing networks adopt the mode of consignment + zero sales, that is, products are sold directly to large farmers' markets, and after paying consignment fees, marketing fees, and admission fees, they are sold on a unified consignment by the market, and the money is directly transferred to the cooperative's account, which is convenient and convenient. In addition, in each city, I have developed 5-10 distributors who come to collect the goods and settle the money and goods. In this way, disputes are avoided and considerable expenses are saved. Although the price is a little low, the profit is still very large, "he said, pointing to the temporary greenhouse." this is the fruit I just picked today, and I have already made an appointment. In the evening, a customer from Hunan came to pull, and this customer alone sold 4000 jin of goods. I want to seize the time and take advantage of the peak season to sell more goods, so that life next year will be much easier. "

"now that I have these 200 mu of greenhouse and have borrowed enough funds from your agricultural and commercial banks, I am very proud that my dream of starting a business has come true." Xia Chenyang said excitedly, "in fact, in addition to working in cities, we college students also want to give full play to their advantages in rural areas and help ordinary people get rich." At present, Xia Chenyang is planning to register his own fruit and vegetable company and create his own brand to drive the people around him to get rich together.

It is reported that according to actual innovation, Lixin Agricultural Commercial Bank has developed loan varieties such as youth entrepreneurship loans and women's entrepreneurship loans to meet the needs of college students' entrepreneurship loans, and cooperated with local women's federations, science and technology committees, and finance bureaus to introduce management methods and preferential policies in line with local reality, and implemented various measures to benefit farmers, such as government interest rates, interest rate cuts, interest rate concessions, and so on, which have been warmly welcomed to solve the actual cost of college students' entrepreneurship.