If we sort out this difficult problem again, it seems that we can find some ways to find parents to raise money, borrow money and find a partner, but problems also follow. Where does venture capital come from? Du Qian Kaibing (the owner of a private enterprise) borrows money from relatives and friends, which should be the method adopted by many entrepreneurs. Because looking for a bank, the amount is too large to be approved, even if the amount is not large, ordinary people are unfamiliar with policies and processes, and it is troublesome to review and calculate the cost of time and energy invested, which may not be cost-effective. Using your own savings may not be enough, especially for college graduates and entrepreneurs with short working years. How much is appropriate to borrow money first. Appropriate is not to be greedy. The venture capital is 50,000 yuan, 6.5438 yuan+0.5 million yuan. In my opinion, for a first-time entrepreneur, there is no difference. If they all go out of business, their survival time will be similar. Perhaps, the one with 50,000 yuan passed the careful calculation, but it lasted longer. Starting a business should start with projects within your power. I suggested that he tell his father that the money for buying a house in the future is 500 thousand. Now I want to start a business, so you have to give me some money in advance. I need 200,000 yuan. I'll ask you for 300 thousand at most in the future If my business is successful, I can buy my own house and return the money to you with interest. I failed, and I will earn my own money to buy a house in the future. His father's words sounded reasonable, and the children thought well, so the father and son began to discuss the business plan. Saving money is the last word. Long Pingping (general manager of PricewaterhouseCoopers, partner of peerless beauty) I am against borrowing money. The success rate of entrepreneurs borrowing money to start a business is not high. Among my franchisees, the best one is a boss who started his business step by step from the practice booth. It may be your own money, so use it more carefully. Of course, for college students who have just graduated, there is currently no 65438+ 10,000 yuan. In fact, there is a way to start a business without borrowing money. I know there is an example: some professionals are skilled in business and have outstanding abilities. The materials that the boss thinks can be manufactured are repeatedly used and finally become shareholders of the company. This is also a kind of entrepreneurship, with zero start-up capital, but it has the technology and ability to become a shareholder. Now many chain store managers are taking such an upward path, even if they want to go out alone in the future, it is enough to rely on savings. We took the situation to the extreme: what if there is no savings and no boss promotion for a while? I heard a story. A penniless person decided to cook, starting with collecting leaflets-apartment buildings often have a large number of food and beverage take-out leaflets distributed. He cut out the telephone numbers printed at the bottom one by one, wrote down his own telephone number and sent them again. Hundreds of tickets go out every day, and he always receives several phone calls to order food. He ran to a fast food restaurant and asked someone to deliver the food. Earn some difference in the middle. In this way, every little makes a mickle, and he found some rules. His hit rate is getting higher and higher. Finally, he doesn't have to pick up other people's leaflets, so he can spend money to print them himself. Slowly, you don't have to do it yourself. You can find a buddy to distribute it. He will train his skills. Finally turned into a small food delivery company! You see, venture capital can be entirely on your own. Without funds, you can exchange funds indirectly by technology and ability. There is really no need to borrow money. Starting from saving money and starting a business step by step, the chances of success are high. [Part II] Using other people's money to start a business week (director and general manager of Chongqing Zhongjiao Technology Co., Ltd.) By observing the team that started a business in partnership, I think it is best to start with two people. Such a partnership only needs to consider the entrepreneurial matching degree of two people. What is entrepreneurial matching? First of all, do you two have complementary abilities? Complementarity can play the greatest role, otherwise it is easy to waste internal friction, and no one can make up for the shortcomings, and the overall ability is discounted; Secondly, whether your values are unified; Third, there is no fault tolerance. If something goes wrong, they blame each other and shirk it, so many partnerships now end up with friends breaking up. Two people have to consider so many problems, and the situation of more than three people is more complicated. A and B have a high degree of matching, and B and C have a high degree of matching, but A and C are not necessarily suitable, which may pave the way for future disputes. So I think at first, two people were better than three. The two-person structure can quickly determine the affiliation. If the company develops in the future, it is necessary to introduce new partners, because the subordinate structure has been fixed and it is not easy for a third person to enter the company. Therefore, when we start a business with other people's money, it is easy to see financing, but the risks and problems shift from the capital level to the partner level, and we still cannot relax our vigilance. [Part II] Foreign experience: ◎ Borrowing money through the Internet In foreign countries, entrepreneurs can also borrow money from strangers through the Internet. There is a company on the Internet that provides new financing financial services, called P2P. You can borrow money by publishing your requirements. It is worth noting that the interest rate of this kind of loan is often higher, but it can help enterprises to obtain funds quickly in a tight credit environment. ◎ Pawn loan Pawn is a financing method to obtain temporary loans in the form of physical transfer of ownership. Compared with bank loans, pawn loans have high cost and small loan scale, but the credit requirements of pawn shops for customers are almost zero, and pawn shops only pay attention to whether the pawn items are genuine or not. Moreover, general commercial banks only pledge real estate, while pawn shops can pledge both movable property and real estate. Pawn items have a low starting point, and items with a price of 1000 yuan and 100 yuan can be pawned, and the procedures are very simple, and most of them are taken immediately. Even property mortgage is much more convenient than bank.