You Should Know How To Choose When You Start Business.
They were laid-off workers yesterday, in Harbin.
Bank
With the help of small secured loans from laid-off workers, the road of entrepreneurship has begun.
Over the past few years, many people have achieved little success and have their own careers. Looking back on their own entrepreneurial path, everyone has a great feeling.
The reporter is specially responsible for Harbin.
Be laid-off
The Harbin bank Lida sub branch of the unemployed small loan secured by the bank learned that by the end of 2007, the bank had issued 11469 small guarantee loans, the amount of which was 196 million 940 thousand yuan, and 7 million people began to start.
Entrepreneurship
Road.
Reporters recently approached this entrepreneurial group. In their eyes, the biggest enemy on entrepreneurship is precisely the mindset, mindset and mindset that are worth noticing in their pioneering work. Many of their experiences are inspiring.
"In the steamed bread."
Venture capital
"
Wang Jinping, 51 years old, was originally an employee of a Harbin enterprise. After the bankruptcy of the factory in 1997, he lost 2700 yuan to Wang Jinping.
Wang Jinping's lover had no formal work because of injuries to his arms, and there were two children who were studying at home.
In order to support her family, she swept across the street, swept the stairs, rubbed the car, worked as a hotel hygienist, and was sick from fatigue, but she still could not make ends meet.
As a poor family member of laid-off workers, Wang Jinping enjoyed subsistence allowances.
In order to make a living, Wang Jinping sold the only house to repay the debt, leaving more than ten thousand yuan, trying to do the small business of steamed bread.
At that time, the Commercial Bank of Harbin (now Harbin bank) and the city women's Federation jointly launched the loan for laid-off women workers. She borrowed 7000 yuan and opened a small steamed bread shop.
However, due to the lack of experience at the beginning of the business, the operation was not good, and all of the money in the shop was lost.
"I think people's lives are changing, and there will be fewer and fewer steamed buns at home. More and more people will buy buns to eat.
A bad start does not mean that there is no market for steamed bread. The real reason why we didn't do it well is that we do not work hard to steamed bread. Who will buy buns that are not good enough to eat? So I have decided this: "persistence is victory. If you are willing to work hard, you will be able to endure hardships, and you will certainly be able to open a good steamed bread shop."
Remembering the situation at that time, Wang Jinping was still fresh in his memory.
She learned to steamed bread technology, took part in the business training courses of the street organizations and read related books. She wanted to learn the technology of steamed buns thoroughly, and she went to Hailin, Mudanjiang to find a master to study.
Solid learning allowed Wang Jinping to have more confidence in starting a business.
In Harbin commercial bank, she borrowed 20 thousand yuan of small loans for laid-off workers, rented a shop room, bought equipment such as noodle machines, and opened a "golden Ping credit noodle shop".
She gets up early and goes to bed late every day, from the purchase channel to the warehouse management, from the surface to the surface, to the surface, to knead the surface, to make the billet, to scale, into the drawer; from the size of the fire to the length of time, every procedure is strictly controlled.
Not long after that, customers queued up to buy buns, and some customers from other places came to the market. They bought hundreds of steamed bread and went back to their friends.
Wang Jinping's shop is booming. In the peak season, it sells fifteen, six bags of steamed bread a day. It sells more than 3000 steamed bread a day, and has achieved remarkable achievements among its peers.
"Now, the beginning is not smooth. It is not necessarily without prospects. What is important is that we must dare to persist and insist on victory if we are right.
Entrepreneurship is most afraid of giving up halfway, and giving up when encountering difficulties, it will accomplish nothing.
If I give up at the beginning, there will be no life for me today.
Wang Jinping said.
Knowing Wang Jinping's deeds, the Secretary of the Harbin municipal Party committee Du Yuxin came to Wang Jinping's noodle shop for the two time, encouraging her to manage well, and happily called her "the future steamed bun king".
Today Wang Jinping often uses her own experience to build confidence for people who want to start their own business. So far, she has driven more than 80 people to learn steamed bread. With her help, more than a dozen steamed bun shops have been opened.
The concept of "sacrifice" in cosmetics
Meng Xiangbin is a manager of a trading company in Harbin. He is only 35 years old. He owns a shopping mall with a business area of 1300 square meters in Harbin, and has two shopping malls of more than 1000 meters in Jiamusi and other places. He is engaged in the wholesale business of cosmetics and small household electrical appliances.
Just 9 years ago, Meng Xiangbin laid off from a large state-owned enterprise and entered laid-off workers.
Talking about entrepreneurial experience, Meng Xiangbin talked most about the relationship between giving and taking.
After being laid off, Meng Xiangbin first worked in several enterprises, and later engaged in cosmetics retail.
By the end of 2003, he set up the wholesale Department of cosmetics by laid-off workers and small loan guarantees.
"The way to make money is learned. If you don't want to give it up, you will never think about it long enough to grow fast."
After the wholesale of cosmetics, Meng Xiangbin launched two strategies that many people seem to be inconceivable in their operations: "one hundred percent exchange for goods" and "anti contract".
"The" one hundred percent tone swap "is what we propose to our customers, wholesale our goods, if not sold, can be re changed, customers think what the market can sell well, can be pferred into what goods.
"Anti contract" is relative to the sales tasks assigned by some enterprises. We are not asking customers how many sales they can achieve in a year, but we sign contracts with them and operate according to our requirements, and how much profit we need to achieve in a year.
For example, if we sign a year to make him realize 200 thousand of profits, he will operate according to our requirements, but only 180 thousand of the profits, so we will make up for the difference of 20 thousand yuan.
Meng Xiangbin said.
"These two articles, in the eyes of many people, are very hard for us.
The goods are sold out wholesale, so it's not a wholesaler's business. How much money the customers make, not wholesalers.
Therefore, some people think that this is a thankless effort, much effort and no return.
Meng Xiangbin said, "in fact, this is not the case.
When customers come to our store for wholesale, what he needs is confidence in us. If he is not confident, he will go wholesale to other businesses.
These two articles are no doubt a reassurance, so that the interests of our customers are tied up with us.
Facts have also proved our judgement. If we can't do such a thing that many people seem to suffer, our enterprises will not have such a rapid development speed. In the final analysis, do they still get much? "
"Willing to give up.
If you have something to offer, don't think this sentence is far away from starting a business. You must know the truth of your decision on the way to start a business.
Some people always sigh, why is it so difficult? How can they always run into a wall? They should ask themselves if they are always thinking about it, instead of going to give it up. People who dare to give up and master the house will surely get more, and they will surely go better on the way to start their own business.
Meng Xiangbin told reporters.
The "entrepreneurial misunderstanding" worth paying attention to
The Bank of Harbin Lida branch is a bank specializing in small loan operation. Since 2003, it has issued a small guarantee loan for laid-off workers. The bank has been dealing with people who plan to start businesses and start businesses.
Over the past few years, we have witnessed the prosperity and frustration of borrowers. President Liu Wenji has a unique understanding of the misunderstanding of entrepreneurship.
"I think one of the mistakes in entrepreneurship is cross industry and entry into life."
Liu Wenji said, some entrepreneurs, start a good job, income is stable, can easily commit the mountain to see the mountain high fault, feel that this line of low profits, more investment, little return, long term work is not interesting, so began to consider the change to a high profit industry, and after the result, it is far from what I imagined is so simple, far less than the industry that you have done before can be handy, but the capital invested in, can not immediately change to other industries, frequent changes, had to insist on, and finally often fail to end, become a lesson in entrepreneurship.
"In the process of entrepreneurship, we should also pay special attention to expanding the scale of operation blindly.
This is also a profound lesson for many people.
Liu Wenji told reporters that some people started business quite smoothly, and after business stability, many people began to think about how to expand rapidly. So some people did not fully investigate the market, quickly expanded their business area, or increased investment in new business projects, with a view to expanding the scale of operation as soon as possible. However, because this expansion is too blind, the market does not necessarily agree with the result.
"In fact, it is not wishful thinking to expand the scale of operation. If we do not know the market well, we will pay a heavy price. This is particularly important for enterprising people. It is not that entrepreneurship can not be expanded, but it should not be blind."
Liu Wenji said.
"However, since entrepreneurship means risk, it may succeed or fail."
Liu Wenji said, "in fact, in the face of failure, there is no need to lose heart. No matter what we do, there will always be failures. Good losers will never die. Learning failure is of great importance to entrepreneurship. We should learn to improve ourselves from others' entrepreneurial lessons, so that we can avoid detours and go wrong.
In this way, both others' lessons and their frustrations will become the process of entrepreneurial learning.
On the road to entrepreneurship, what we need most is to be good at learning. With this mentality, entrepreneurship will be more successful.
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