The pooler opened a coffee shop and the citizens of Banyan made a fresh investment to chase the crowdfunding.

The crowdfunding model, which is popular abroad, has also begun to rise in Rong. Each person spends 20, 000 yuan to invest in opening a cafe, spending 1000 yuan can not only experience bee products, but also become a "partner".... The reporter learned yesterday that crowdfunding, a new model, is being sought after by many investors.

50 people "chip in" to open a coffee shop

The first coffee shop prepared by Mr. Chen, one of the sponsors, through the crowdfunding model is currently being renovated. Mr. Chen told reporters that usually he likes to play ball with a group of friends, and some friends propose to open a cafe as a platform to facilitate daily communication. Everyone agreed with the idea, so he immediately took action to devise a plan. In July this year, he launched crowdfunding, which took four days for 50 people to participate in the investment, each contributing 20, 000 yuan, raising a total of 1 million yuan. The investors are all shareholders, and the investment is separated from the specific operation of the project. He said that this time only launched a small range of crowdfunding for moments, most of the investors know and trust each other, have common hobbies, a small number of investors are outside the circle of friends, participation requires a joint recommendation of five people.

Mr. Chen said that the crowdfunding plans to invest in the opening of two cafes, the first of which will be located in the May 4th Road business district in an effort to open it to the outside world by the end of the year. The coffee shop operator handed over to one of the investors, who is already running the coffee shop and has a wealth of experience. It is envisioned that the coffee shop will be different from the traditional coffee shop in that it will be a social platform, focusing on finance, entrepreneurship, parent-child, blind date and other target customers. The term of the partnership shall be 3 years, and if the operation is smooth, the dividend shall be paid once a year, and the investor may choose to withdraw or continue to hold it after the expiration.

Mr. Chen said that crowdfunding to open a cafe is just an attempt. Everyone is planning to set up a consumer equity crowdfunding investment fund, focusing on equity investment in education, health, pension and other areas of public consumption. The equity investment fund will also adopt crowdfunding in the future, which will be open to more people and attract ordinary citizens to participate.

Other crowdfunding also showed up.

In addition to a group of like-minded people raising money to open cafes, other types of crowdfunding have also appeared. The reporter learned that Chen's Secret Agricultural Development Co., Ltd. just ended the first round of partner crowdfunding on October 22, a total of 457 citizens participated and successfully raised more than 1 million yuan. The amount of its participation in subscription is divided into 10 yuan, 500 yuan, 1000 yuan and 30, 000 yuan. The "return" for different participation amounts is also different. If you subscribe for 1000 yuan, you can not only get more than 2000 yuan worth of company brand honey, but also accumulate "points" for customer recommendation, creativity and sharing to participate in the partners' annual event; if you subscribe for 30, 000 yuan, you can not only get brand honey worth 30, 000 yuan, but also return 30, 000 yuan after 2 years, and you can give priority to becoming the original shareholder of the company. But unlike shareholders, this kind of partner focuses more on a sense of participation. Participants can provide product design plans and ideas at any time, through the designer to form the product and achieve quantitative production, participants can enjoy half of the net profit of the product.

In addition, some clients have also come into contact with new channels of financial management and crowdfunding investment. Citizen Mr. Zhou told reporters that some time ago, Tuandaiwang launched a "room baby" financial management on the network platform. The financial management is that netizens pooled money to buy a house, and when the house appreciated, it was sold to get a return on investment. It is understood that the annualized return of the first phase can reach 40%.

It is understood that the "room baby" mode of operation is: after booking a batch of houses with a certain discount, the website raises funds for purchase from the Internet, entrusts affiliated companies to hold and manage the property, and then trades to the buyer after finding a suitable buyer. The first phase began to be issued in mid-June this year, and so far it has developed to the fifth phase, with a minimum subscription amount of 1000 yuan and villas.

Crowdfunding investment should be done according to capacity.

It is understood that the crowdfunding model is popular in foreign countries. It uses the Internet platform to allow small businesses, individuals or artists to show their ideas to individuals and attract everyone's attention so as to raise funds for the project. Compared with the traditional financing methods, crowdfunding is more open, as long as netizens like or approve the project, they can get the first sum of funds to start the project through crowdfunding. At the same time, the amount of crowdfunding investment is relatively small, generally at a minimum of about 1000 yuan, which is conducive to the diversification of investment risks.

At present, there are four main types of domestic crowdfunding investment: equity crowdfunding, debt crowdfunding, commodity crowdfunding and public welfare crowdfunding. The reporter learned that in March this year, someone in Fuzhou raised funds through crowdfunding on a website to buy Minjiang lifepoles. The fund-raising ended in the middle of April this year, and the first phase raised more than 50,000 yuan.

Tang Wei, vice president of Fujian Association of Financial planners, said that strictly speaking, the crowdfunding model is mainly to subsidize entrepreneurs who are creative but do not have the capital, and the investors recognize the entrepreneurs' projects or ideas to invest, rather than one-sided pursuit of investment returns. At present, there are many crowdfunding models in China, and there is a regulatory gap like P2P. Citizens' participation in crowdfunding should be done according to their capacity, and they should not only pay attention to the benefits but also guard against risks. For example, equity crowdfunding, customers subscribe when the original shareholders, but the investment income depends on the actual results of the operation, there are many uncertainties, it is possible to make money or lose money, the participants are at their own risk. In addition, investors should carefully understand the types of crowdfunding before making a decision. For example, "Housing Baby" financial management, the product does not guarantee the capital and interest, and the investment risk is borne by the fund-raisers. "personally, I think that at present, real estate transactions are still not active, and it will be risky to push such crowdfunding products in this context, because it is not easy for villas to realize premiums in the short term, and earnings will fluctuate greatly according to the market situation."