July 2015 Workshop – Report in the Chinese Media

The July 2015 Workshop was very well attended, take a look at some of the coverage from local Chinese media. Some of the featured speakers include Mr. Jack Lee, Founder of T&T Supermarkets, and Mr. Ken Yao, a successful owner of various restaurants around Ottawa, and we even had special guests Mr. Andy Wang and Mr. Abdul Abdi, political candidates for the 2015 federal election, join us for this entrepreneurial workshop. For the full article, please see below.

创业之路 你我同行

—-致免费新移民创业讲座的义工和参与者

 

2015年7月25,由新移民创业协会主办的免费新移民创业讲座,圆满地拉下了帷幕。讲座汇集了渥太华餐饮、旅游、银行、建筑、室内室外装修、搬运、会计、律师、中医、健康、教育、媒体等各领域的华人创业者。既包括准备创业的留学生,计划未来自雇和创业的全职工作者,移民后还没有找到方向的新移民,又有愿意扶持他人和与他人分享的成功企业家。

本次讲座只有80个座位,结果有120多位朋友热情踊跃地来到现场参与学习,有的自带折叠椅、有的站着,还有一些朋友自愿把座位让给报名截止后前来参加的听众。场景、讨论十分热烈、令人鼓舞和振奋。

讲座迎来了特殊嘉宾:全球最大的创业组织TIE渥太华区的Executive Director, Jasvinder Singh Obhi博士;上海恒大集团加拿大总经理王建山先生;United Way 社区建设奖和女王钻禧勋章获得者、West-Nepean区保守党国会议员参选人Abdul Abdi先生;网站和IT生意创建人、新当选的Nepean区保守党国会议员参选人Andy Wang先生; 港加商会高级助理Erica Vong女士;Vivu System Inc总裁Feng Qian先生等。

本次讲座最受欢迎的演讲人正是加拿大亚裔传奇人物,大统华、六福食品创办人,渥太华大统华超市所在地Hunt Club Marketplace的发展商之一 ,李安邦先生。

新移民创业协会主席白刃刃女士向大家介绍,李安邦先生曾任加拿大统加集团总裁、加拿大BC省华人社区常务顾问、加拿大总理2009亚洲访问团成员、北美洲台湾商会联合总会第二十六界总会长。他见多识广,常年在全球尤其是北美洲、亚洲之间往返进行商务往来。他有一颗感恩的心、为人谦卑,把华人超市、华人美食、和华人文化带入到加拿大主流社会的梦想和行动贯穿了他的大半生。

此次,李安邦先生应新移民创业协会主席白刃刃女士的盛情邀请,不远万里,自付机票和酒店从温哥华飞到渥太华,并且为本次讲座的特殊嘉宾送上大统华的礼物卡,为新移民创业协会捐赠了200加元用来帮助新移民创业的服务。

李安邦先生告诉大家,80年代他第一次创业,正值历史上加元兑美元汇率最高,加拿大房屋贷款利率超过百分之二十几的经济萧条时期,他的第一个女儿又刚刚出生,奔波忙碌一年多后,他连自己的家庭都养不起。远在台湾的父母帮助他们照顾了两个女儿。父亲鼓励他从失败中学习经验教训、坚持下去。这一坚持早就了加拿大华人超市的神话、列治文市统一广场的兴建。困境中的坚持是创业者必备的品质,也是巨大的财富。

李安邦先生与大家分享了大统华超市选址的策略、将来发展的动向。他的亲和力、气场、正能量、和大家的互动鼓舞和激励了在座的每一位听众。

渥太华港加商会会长、渥太华大学商学院EMBA和MBA的特约教授Marvin Hough先生的演讲生动活泼,调动了大家积极地思考和参与。

Marvin Hough先生拥有在加拿大皇家出口发展公司(EDC)30年的高级执行官经验,退休时是EDC亚洲区的副总裁。Marvin Hough先生曾是EDC中国区的先驱者,EDC拉丁美洲区域副总裁,墨西哥和中美洲的区域总裁。他曾是加拿大外交部和国际贸易部特派印度新德里的商务高级官员,EDC在加拿大境内,温哥华、多伦多和渥太华区的高级商务官员。

Marvin Hough先生打了个比方,假如说有一百个加拿大人在做国际贸易,其中只有一个人在做对中国的出口贸易。加拿大的出口太多的依赖美国,加拿大必须意识和改变这种现状。

从多伦多赶来的明瑞集团创始人、总裁朱伟民先生和大家分享了他如何走上创业之路并发展到今天规模的历程。朱伟民先生拥有商业管理硕士、加拿大证券学院院士、加拿大注册投资经理、特许财务策划师、财务管理师等一系列学术职称。

 

十几年前他刚移民时正值911过后的经济低迷时期,在找不到会计工作的情况下不得不走上了自顾生意的道路。由于他的销售能力弱,创业之初就很注重为服务添加与众不同的价值。被人只理财的时候,他还帮助客户税务方面的问题。当越来越多的理财行业的人涉及简单的报税服务时,他们就逐步涉及公司、信托、非居民等复杂税务,并和全球四大会计师行和一线律师行建立起广泛的合作关系。

 

朱先生总结,明瑞的成功有一个原因正是因为他明显的弱点——不善于销售,如果他没有这个弱点,明瑞也许今天还是以他一个人为主的作坊,没必要建立现代化的企业结构。正如他们的投资理念: 世上本没有完美的投资,我们做的是帮客户深刻地认识每个投资背后的缺陷,把互补型的投资搭配起来,形成最适合的投资组合。六年前他们在温哥华开展外汇业务,今年他们正式启动财富管理中心,并把服务范围延伸到Ottawa, Halifax, Saskatoon等城市。

 

除了以上特约演讲嘉宾外,渥太华大学传媒专业的教授、渥太华多元文化媒体的首席研究导师、渥太华大学多样性和股票研究组主任、新移民创业协会顾问Rukhsana Ahmed女士致开幕词。Ahmed教授热情地赞誉新移民创业协会主席、皇都地产总裁白刃刃女士对本次免费讲座付出的巨大努力、时间和精力。Ahmed教授向大家简略介绍了白女士的创业和社区服务经历,白刃刃女士是中华导报前任老板和社长,现任中华导报首席顾问、CFC媒体集团顾问、加拿大新媒体董事会顾问、渥太华房地产协会政府与公共关系委员会委员,2012年,她连获渥太华妇女移民中心颁发的创业家奖,由前任外交部长约翰贝尔德颁发的英国女王钻禧勋章。

白刃刃女士在致辞中,感谢HRZ研究咨询公司和总裁Zahirul Hasan Khan 博士、渥太华大学传媒系教授Rukhsana Ahmed女士帮助新移民创业协会提供了渥太华大学校园内最先进、最现代的社会科学大楼的演讲厅。

白刃刃女士代表大家感谢明瑞集团为新移民创业协会捐赠的banner、poster、file folders、name tags,pengs和其他打印资料。并感谢他们一行五人一大早从多伦多赶到渥太华帮助布置会场,把位置让给其他人坐,自己站着。

 

拥有多家餐馆(包括新开业的满堂记)的渥太华餐饮行业领头人Ken Yao先生,除了从旗下的银座餐厅和满堂记餐厅免费为大家提供了精美的日本sushi和广式甜品和饮品外,还是本次讲座研讨组的mentor之一。他还用了8分钟的时间就餐馆装修、环境布置、顾客需求、开餐馆注意事项、餐馆业利弊等多方面向大家进行了分析和分享。

Baskin Robbins冰淇淋和蛋糕连锁店的老板Lina Qu女士,无私地和大家分享了她在加拿大经营连锁店的经验。Lina总结开连锁店的好处是,管理操作已经系统化,总部提供培训,不用自己摸索开店,不难拿到银行贷款。但是小生意需要雇主亲历亲为,否则很难控制存货、上货、保持客户满意度和回头率。TD银行负责小生意账户的Shan,Xia女士也肯定,TD银行也有对连锁店接近百分百的贷款优惠政策。

本地在校留学生,热情、阳光、乐观的吴伊帆和Frank Chen同学图文并茂地向大家展示了他们的无人机摄影服务的创业计划。在此之前,白刃刃女士曾用了半天时间同吴伊帆同学分享她的创业经验、对市场的了解、和商业计划可行性的分析。两位同学朝气蓬勃的演讲后,与会者非常的兴奋,纷纷出谋划策。

白刃刃女士向为小组讨论做导师的近20位渥太华当地的商界精英和各行业的专家表示感谢。他们是:道明加拿大信托银行的小型商业顾问、拥有多年的金融和商业管理经验的单侠女士;CeBA Canada公司的创始人和总裁、AccXpert Business Solutions Ltd.公司的合伙人和总裁,美国派拉蒙投资控股公司的首席财务顾问王兵博士;BMO多年来蝉联区域贷款业绩第一名的贷款顾问蔡敏女士;拥有Telfer Business School EMBA的渥太华知名咨询师、律师张海燕女士;渥太华知名律师陈平女士;银座餐饮集团老板Ken Yao先生;Telfer EMBA和国际贸易背景的李育康老师;必应建筑结构事务所老板建筑工程师Bing先生;渥太华大学股票研究组主任Rukhsana Ahmed教授;发明家Zahirul Hasan Khan博士;拥有两家 Baskin Robbins冰淇淋和蛋糕连锁店的老板Lina Qu女士;CIBC的高级投资理财顾问王凡先生,等等。

 

白刃刃女士深情地感谢所有的义工们:

专业摄像师Sonic把整个讲座录制下来为我们日后观摩学习,Sonic在读书期间建立了自己的摄影摄像小生意,他奉献自己的宝贵时间免费为留学生拍摄找工作用的照片。

Duke’s Photo Studio的老板专业摄影师Duke是渥太华旗袍会的御用摄影师、渥太华各大社区活动的摄影师,本身就是移民创业的Duke热情地为讲座奉献出他的宝贵时间。摄影师Leo Wang、崔毅、Frank Chen同时为我们提供了专业摄影,吴伊帆为讲座提供了专业翻译。

CIBC地区销售经理杨扬女士虽然不能来到现场,还是请高级理财顾问王凡先生、Justin先生从银行搬来三个折叠桌子供会场使用。

满堂记的合伙人,多才多艺的在校留学生秦志伟搬桌子、运食物、照顾大家享受美食。

热心美丽大方的Linda Phan女士陪同照顾演讲人李安邦先生。华联会副主席、上海同乡会会长鱼文缨女士陪同照顾s演讲人Marvin Hough先生。

段芳女士、美丽大方的天天去旅游的旅行社老板Tingting Wang女士、明信理财公司的金牌保险理财顾问赵乃馨女士、会计师刘海燕女士、渥太华屋顶和建筑公司老板Tom Meng先生、做网站设计公司的Lisa Cheng女士、房地产经纪Ruby Xue女士、从始至终地帮助布置会场、协助与会者签到、打扫会场。

中华导报老板郑炳峰先生和他的助手郭鑫女士极早地到达现场,为每位参与者送上一份温馨的中华导报,并为与会者摄影留念。白刃刃女士同时感谢CFC媒体集团和他的负责人Riven先生,给予了新移民创业协会和本次讲座无条件地媒体支持。

讲座结束后,大家表示这是渥太华华人讲座水平最高的一次,虽然是一整个下午,但是演讲人的演讲太精彩,时间过的太快,意犹未尽,热切地渴望再组织下一次讲座。如过您感兴趣继续学习和探讨的话,欢迎您关注我们的新移民创业微信群。加入方式请与白刃刃女士联系:renren@capitalvip.ca

 

新移民创业网站:www.niecanada.ca

 

July 2015 Workshop – Presentation from Mr. Weimin Zhu

Mr. Zhu WeiMin’s Presentation Translation In English

 

请允许我用国语分享

Please allow me to share my story in Chinese. (Mr. Zhu’s presentation will be covered in Chinese and English translation will be provided here.)

 

2002年初,我从北京移民多伦多,刚落地加拿大最让我失落的是,在银行柜台的中文服务全是说粤语,我英文不好在意料之中,可中文居然也听不懂了,说了三十多年的普通话,实在有点难以接受。

In 2002, I immigrated to Toronto from Beijing. My disappointment with this new life started at a local bank.  I wasn’t surprised that not understanding much English, but at that Bank, I found that I couldn’t understand the Chinese they spoke, Cantonese. With more than 30 years of Mandarin Speaking, Cantonese seemed like a different language for me.

后来体会到,那是香港地区经济发达的结果,由于那时多伦多华人圈子里的生意往往是香港老板,为了找工作我还学过两周粤语,发现比英语还难学。

Later, I found out that the reason why those services was provided solely in Cantonese was because the higher economical achievement of Hong Kong than Mainland China.  Most Chinese businesses in Toronto were under Cantonese management back in 2002.  I even tried to learn Cantonese to find a job, but it was harder for me than learning English.

而在过去的十几年,我亲眼见证了,伴随着中国大陆的经济腾飞以及财富全球化的浪潮,在多伦多和温哥华这些移民城市,国语已成为商家广为使用的服务语言。

In the past decade, I have witnessed the economical take-off of Mainland China, and the fabulous growth and globalization of Chinese wealth.  Nowadays, Mandarin-speaking service is provided in more and more places in cities like Toronto and Vancouver.

我们财务机构内有句笑话,国内的高资产客户,资产水平越高、英文水平越差,所以我给自己找了个借口,因为我们客户的资产水平提升的太快,我的英语水平才提高的太慢!

There’s a joke in our firm, the richer a Chinese client is, the worse their English are. So I give myself an excuse, I have too many high wealth clients that make my English poor.

 

因为逆境,所以创业

Adversity Makes Pioneer

在移民之前,我已有工程和商科两个学位和近十年证券期货以及市场相关的从业经验,移民时正值911过后的经济低迷,由于年龄较大并缺乏本地经验和学历,我只希望找一份初级的会计工作。

I had earned my two bachelor degrees in Engineering and Commerce and 10 years of security and derivative trading experience before I immigrated to Canada. I came to Canada during the recession caused by “9-11 Terrorist Attack”, it was very difficult to find a job.  Because of lack of local experience and local education background, I targeted on entry level accounting jobs.

但找了半年仅有三家公司的面试机会,只有一家进入第二轮面试还是最终被淘汰,正是由于找工作不顺而又需要养家糊口,我才很不情愿地走上了自顾生意的道路,而且开始自顾的前半年,担心没生意可做,我还兼职在麦当劳打工。

I had only have 3 interviews in 6 months time, only one of them gave me a second interview, but that did not lead to an offer.  I started my own business because I need to put bread on table for my family.  The start was not easy, I was working part-time at McDonald’s to support my family and my newly started business for the first 6 months.

现在已过去了十二年,明瑞集团已经建立了税务会计、保险投资、国际汇兑、财富管理四家分公司,在加拿大六个城市和北京设有十个分支机构。

Twelve years have gone by, from my little business, now we have built an accounting firm, an insurance brokerage, a foreign exchange business, and a wealth management company under Meritigroup. We now have nine branches across Canada and one office in Beijing.

今年年初,我们多伦多总部搬进新的办公室,入住后我才惊讶地发现,竟然搬进了我十二年前唯一两次面试的那家公司的地址,如果当初他们录用了我,也许就没有明瑞集团了!当时的感触很难用语言去形容,冥冥之中自有天意!

Early this year, our head office in Toronto moved to a new location.  Previously in that location was the company that gave me 2 interviews 12 years ago.  If they had hired me, there may not be Meritigroup now.  The lament was very hard to explain, as an old Buddhlism phrase says ”Nether world innate divine intervention”

 

因为缺陷,所以超越

Defect Makes Superior

我本人擅长理性地分析事物并解决问题,乐于广交朋友,但不善于向别人推销产品,由于华人对保险产品固有的成见,保险销售对从业人员更具挑战性,所以我从未想过保险会成为我的主营业务之一。

I have strong problem-solving and analytical skills and I’m also willing to make friends. However, selling insurance is quite a challenge to me. Due to a different culture in China, a lot of Chinese people have biased opinions for people who sell life insurance, which potentially increased the difficulty to do this job. That is the reason why I never made selling insurance my main business.

刚创业时只想做些报税、记帐类的服务,拿到会计师资质成为我的主要目标,但由于多伦多市场会计服务的激烈竞争和低廉的行业价格,养家实在不易,我便陆续考了保险和投资的执照,希望给客户更多一点意见,也可以有更多的收入来源,

When I incorporated the company, my plan was to do business in tax returns and bookkeeping.  Thus becoming a licensed financial professional was my main goal at that moment. However, there is a number of accounting firms in Toronto, which caused the low service price in this highly competitive industry. In order to provide more services to my clients and increase my personal income, I learn a lot of insurance and investment knowledge by myself and got the corresponding licenses soon.

但由于不善于向客户推销具体的产品,常常是帮客户解决了许多问题,朋友交了许多,东西却没卖多少,所以我创业半年就开始的和同业的紧密合作,我负责解决客户的实际问题,包括税务、保险、投资等等,而我的合伙人负责维护客户关系,促成产品的销售,使我们的业务翻了若干倍,明瑞多赢的理念也从此确立起来。

Although I got my professional licenses for selling insurance, I’m not good at sales at all. I always became good friends with my clients and help them solve the practical business problems but few people bought their life insurances from me. It was then that I realized, it’s better to emphasize what I’m good at for the company’s interests. Therefore I started to corporate with other insurance advisors to expand the business. For my part, I focused on solving client’s practical business problems with tax, insurance and investments. My partner was in charge of promoting our insurance sector while maintaining good customer relationship. After the cooperation, our business revenue increased dramatically and we created mutual benefit business philosophy by that time.

我经常在公司说,明瑞的目标是成加拿大华人创建的最优秀的财务机构,如果哪一天我们实现了这一目标,有一个原因就是我有明显的弱点——不善于销售,如果我没有这个弱点,明瑞也许今天还是以我一个人为主的作坊,没必要建立现代化的企业结构。

Meritigroup aims to become the most excellent Chinese financial advisory firms in Canada. By the time that we achieve our goal, I will proudly say that my shortcoming in sales contributed most to the success of Meritigroup. If I didn’t have this particular weakness, I would have not cooperated with partners in building Meritigroup into this modern enterprise structure.

正因为认识到自身的弱点,明瑞才需要把更多互补的人才凝聚在一起,创造更多的价值并与客户与同伴分享这一价值,明瑞才可能不断的发展、壮大,正如我们的投资理念,世上本没有完美的投资,我们做的是帮客户深刻地认识每个投资背后的缺陷,把互补型的投资搭配起来,形成最适合的投资组合,这与我们的创业理念不谋而合!

By realizing our weaknesses, Meritigroup engages to gather more and more intelligence with different talents. We create more business values and share them with our client and partners. The success of Meritigroup can be attributed to the value of sharing. The diversification and risk control also match with our business philosophy. Every investment bears risks. We help our clients to interpret risks and drawbacks of each investment and diversify their investment portfolios to achieve the best customized investment combination.

 

创造价值,与众不同

Value Creation Makes Uniqueness

由于销售能力的弱点,我创业之初就很注重为自己的服务添加与众不同的价值,刚开始很少有理财行业的人能提供实际的税务意见,我落地加拿大第二年就开始为客户提供个税服务,当越来越多的理财行业的人涉及简单的报税服务时,我们就逐步涉及公司、信托、非居民等复杂税务,并和全球四大会计师行和一线律师行建立了广泛的合作关系,我想既然我们说不过别人,做得就要比别人多一点,六年前我们在温哥华开展外汇业务,今年我们正式启动财富管理中心,并把服务范围延伸到Ottawa, Halifax, Saskatoon 等城市,现在我们在华人创办的财务机构中从服务领域到服务网点已经做到了与众不同。

Due to the weakness of my sales ability, when I started my business, I paid more attention on value-added service to be competitive and unique. At that time, only few financial advisers were able to provide practical suggestion on taxation, so I started to offer individual taxation services for my clients at the second year. While other financial professionals tried to catch up by offering the same services, our team began to challenge those more complex taxation services such as corporation tax, trust tax and non-resident status for tax purpose. Furthermore, we had built an extensive partnership with the Big Four Accounting firms and Law firms. Six years ago, we opened our office in Vancouver and start to serve clients on the west coast. Up to early this year, our team and services had reached Ottawa, Halifax, Saskatoon and other major cities. I can now proudly conclude that, compare to other Chinese financial advisory firms in the industry, whether it’s the number of cities we service and types of services we provide, Meritigroup isn’t only unique but also outstanding.

 

祖国昌盛,全球化机遇

Thriving China Makes Global Opportunity

很多人说我们十几年前移民的人错过了中国发展的黄金时期,而明瑞的发展却大大受益于祖国的经济腾飞和财富全球化的浪潮,我早期服务客户遍布各个族裔,但当我们的财税服务越来越深入时,我发行深层次的文化上的共鸣只能用母语去交流,这也是深入信任的基础,所有我们现在高资产的客户95%都来自大陆,我在加拿大最爽的一件事就是用国语交了很多来自中国五湖四海的朋友,最不爽的就是英语提高的有限。也正是为了配合中国财富全球化的速度,我们明年将把服务延伸到香港,为中国家庭财富的全球化配置提供一站式的服务。

People also say that for those who immigrated to Canada more than a decade ago had totally missed the golden era of the development of China. Well, I will say without the development of China or globalized economic expansion, Meritigroup would not have succeed, so we are actually the beneficiary of such development. My early clients were not limit to Chinese, but soon I realized that the mother tongue is not only the key for us to obtain the trust of our clients but also to connect with them sincerely. With the development of our team and services, Mandarin became our official language. Nowadays, more than 95% of our clients came from Mainland China. The most joyful thing since I came to Canada is that, through my mother tongue, I have made many great friends from places all over China. But on the other hand, I didn’t improve my English skill much.  To match the fast growth of Chinese economic, we will extend our business to Hong Kong, so we can provide a total solution for Chinese families that have the need of globalizing their wealth.

 

 

 

 

Question问题

1.创业过程中你能给客户带来什么附加价值?

Through your business, what kind of value-added service you can provide to your clients?

2.创业团队中你选择和你相同的还是不同的人?

Do you want to partner up or team up with someone similar to or different from you in your business?

3.创业过程中你倾向于用人还是制度去管理团队?

Do you prefer to manage your team by policy or by personal relationship?

 

 

Thank you very much!

March 2015 Workshop – Report

Please see below the March 2015 Workshop Report (please note it may take a few seconds to load).
Workshop-Report-March21-2015

Video Post – March 2015 Workshop

Check out the following video recording of our March 2015 Workshop!

July 2015 Workshop – Jack Lee Presentation

Please check out some of Mr. Jack Lee’s presentation slides below:

 


 

Video Post – July 2015 Workshop

Please check out some of our keynote speakers from the July 2015 Workshop.