Inside a café in Manhattan, New York.

Extremely hot, but not boiling, hot water is poured into the finely ground coffee powder at high pressure.

Only 50 milliliters of coffee solution is extremely rich, and even if you smell it gently, it will show an extremely fragrant taste.

The coffee was placed on a tray by the waiter and served on the coffee table.

The man who took the cup of coffee shook the viscous coffee liquid and added a large amount of milk and sugar cubes to it unscrupulously.

Dark brown coffee blends with milky milk.

At first, it was distinct, but gradually it mixed together, becoming a light brown liquid.

A large amount of sugar cube also sank into the solution during the stirring process.

"You're drinking coffee like this, it's a waste of coffee. Said the person sitting across from the cup of coffee.

"What is not wasteful? Aren't you and I wasting air when we sit here......? Aren't we wasting time playing a game like this?"

It turned out that at this small coffee table, two people were playing the game "Monopoly".

Despite it, unlike the ordinary "Monopoly", this Monopoly, which is known as a pure "handmade", is more delicate and textured, and of course the price is more expensive.

However, these two players are not sensitive to the price itself, because for them, money is more just a number.

After all, in the vicinity of this café, there is the famous Wall Street.

Of course, Wall Street in this era is not as famous as it was when the United States became the world hegemon in the future.

However, Wall Street, which is now the financial center of North America, has also produced its own glory.

For example, these two people, although they are not big names on Wall Street, they should believe that the financial hegemony of North America should be in the hands of Wall Street.

"The U.S. bank in New Haven has been investigated. Its predecessor was the Eagle Bank of New Haven, which was founded by Yale alumni and was the first and only commercial bank in New Haven.

It has been established for more than 100 years, but in the past few years, it encountered a business crisis, and the previous president embezzled funds to speculate in futures and lost a lot of money.

The new governor launched a bank bill program last year.

Taking advantage of the economic winter, it bought a large number of small banks on the verge of bankruptcy. Use these banks to recover and issue bank bills, earn the difference in price, and let the New Haven Eagle Bank recover quickly.

However, at this time, a person appeared, and that was the president of Claydon Investment Bank, and now the president of Bank of America, Doug Claydon.

He was a disciple of the current president of Yale, and with the acquiescence of Yale, he took many measures to take all the shares of Eagle Bank and reorganize it, and after the reorganization, Eagle Bank and its subordinate banks became the current Bank of America.

Claydon Investment Bank is also funded by Bank of America. ”

"Well, I'm looking into something about the same here. Claydon Investment Bank and Bank of America are two banks that are two sides of the same coin. Bank of America uses the savings business to attract capital, and then uses Claydon Investment Bank to invest the former in search of profits.

Judging from the current star cases, Claydon Investment Bank's angel investment model still has some potential. However, without sufficient financial support, I wondered how long it would last. ”

"We investigated the source of funds for Bank of America. Their cash flow is unusually healthy. Not only did they issue a large number of bank bills, but they also held much more metal currency than previously estimated.

Because, Doug Claydon also owns several businesses, including the manufacturer that produced this "Monopoly".

In their dealings, they only receive U.S. bank bills and metal currency.

And now, several companies owned by Doug Claydon are in better shape than they imagined.

Not only does it have a large market in the United States, but it has also opened up a stable trade route in Europe.

Probably because of this, that Doug Claydon thought that his vision was very good, and he thought of setting up an investment bank, right?"

"This is the common version of Claydon Investment Bank's angel investment agreement. The agreement is divided into three phases.

The first stage is the initial investment stage, in which the entrepreneur who receives the investment negotiates an investment amount with Claydon Investment Bank, and Claydon Investment Bank will ask for 10% to 30% of the startup company shares while giving a certain amount of investment according to the potential of the entrepreneurial idea and the entrepreneur's own situation.

The second stage is the VAM stage, in which Claydon Investment Bank will set up a number of VAM conditions with the entrepreneur.

When the milestone is reached, the entrepreneur completes the VAM conditions, and Doug Claydon will make a follow-up investment of the corresponding amount.

If the entrepreneur has not completed the VAM conditions, some of them have been partially completed. Claydon Investment Bank can take several actions, including but not limited to reducing investment, requesting more shares to maintain investment, and conducting bankruptcy liquidation.

The third stage is the mature stage, in which the enterprises have completed most of the milestones and entered a bottleneck period of development.

At this stage, entrepreneurs also have a lot of options. First, they have the option to sell their entire stake to Claydon Investment Bank, which will be liquidated based on the valuation. The second is that they can choose to integrate into the economic system of Claydon Investment Bank, into the trading system with Bank of America at its core.

Finally, they can buy back shares from Claydon Investment Bank and operate as a true independent.

At present, the vast majority of invested companies are still in the first stage, counting the star start-ups we are familiar with, there are less than ten companies that have entered the second stage.

However, these ten companies seem to have a relatively large room for growth for the time being. ”

"What do you think of such an investment model?"

"I think this kind of investment model is not so much angel investment as demon investment.

The above clause, as beautiful as it may seem. However, I am sure that the vast majority of companies will end up being swallowed up by Claydon Investment Bank.

However, there is nothing to be surprised and condemned about this, isn't that how we do banks?

If we can't make money, why do we do so much?

What I mean here is that we will also start a similar angel investment business in the near future.

The purpose is not to incubate how good the company is, but to maintain the number of talents and not let the talent drain too much.

Recently, I have been to Bank of America and Claydon Investment Bank to work and seek investment, and I have been to no less than 10 people.

Those who didn't leave also began to fantasize about what kind of treatment they would get if they went, and what they would gain if they succeeded in starting a business.

In order to maintain stability, the boss decided to start an angel investment business as well, do you have over there?"

"It's about the same on our side. However, it's a little more radical than yours.

Because, before that, we have already supported some more successful companies on our side.

However, for various reasons, these companies eventually got out of control.

This time, this angel investment model has aroused a strong interest in the person who leads foreign investment, and he has begun to be crazy like three pounds of blood.

The old man also has some ideas about this plan.

After all, how can a single bank compare to a bank that is defended by many companies?

In any industry, there is a barometer that belongs to this industry.

The banking industry is no exception.

If the banking industry is rainy and rainy, the investment in other industries and enterprises suddenly burst out of vigorous vitality. Wouldn't there be more opportunities to grasp and stronger ability to resist risks?

The more industries you invest in, isn't it the safest for banks to be the core?

Even, when other banks are weak, they can buy them against the trend. It's like what Bank of America is doing now.

However, I am not optimistic about such an approach.

I think banking should be pure banking.

People in the bank may be good at money, but they are not necessarily good at other things.

How do we judge whether a company can do it?

If it can't be done, won't it be a waste of a lot of money, and it will become a joke on the whole Wall Street?"

"Your old man is really a pioneer. After taking a sip of coffee mixed with a lot of milk and sugar, the man shook the dice and continued, "Maybe you can really become a better bank." It's on our side, just to have fewer people to go, huh......"

"Forget it, let's not talk about ourselves. How long do you think Claydon Investment Bank will survive?

I think there's a good chance that it will disappear next year. ”

"The old rules?"

"Well, the old rules. ”

"Since you said it would disappear next year. Let's take December 31 next year as a benchmark. If Claydon Investment Bank continues to exist and maintain its business before and after this, then you lose. ”

"If you don't continue to exist, you lose. ”

"How much to bet?"

"A thousand dollars. ”

"You really don't think about it. Okay, it's a thousand dollars. ”

Anyone in the banking industry is almost an out-and-out gambler.

They pay a lot of money for what they believe they do.

However, the consequences of failure, most of the time, are not borne by themselves.

In the sixties of the nineteenth century, two ordinary bankers might have a thousand dollars in assets, but the cash they could take out was far less than that.

Behind the two of them, they each have a group of gold owners.

This group of gold owners may be the winners of the gold rush in the west, or they may be the plantation owners in the south.

They give their money to these bankers in order to increase their value.

And the value-added business they carry out is not only futures and stocks, but also such betting.

These bets are no different from those of the laborers in the taverns at the bottom of the floor, except that the amount is larger and the procedures are more complete.

However, when it comes to the mouths of this group of bankers, they will package these bets as if they are the most high-end things in the world.

Using all kinds of obscure terms and all kinds of mysterious words, they persuaded their financiers to believe that they were not making a simple bet, but a judgment full of technical content.

Of course, this kind of bet is not always as clear as it is today, with clear two sides.

In many cases, the so-called two sides are just colluding together to plot money in the hands of the financiers.

The loss of the financier is not equal to the loss of the bank.

The bank's profit does not mean that the owner's capital will increase in value.

Although nominally, theoretically, it is a zero-sum game.

But when a circle has its own internal interests.

They act first and foremost for their own benefit.

When the interests of the gold lord are unified with them, they will take the gold owner to make money together.

After all, if the financiers have not seen the appreciation of their assets, they will definitely leave.

However, if some financiers have made huge gains, others have huge losses.

Those who lose a lot of money just think that it is their bad luck and do not think about other things.

Even, the amount of transactions in this café every day is enough for the poor people of the whole United States to stop starving to death.

But the trade here is still being traded, and the poor are still starving.

Capital is always in pursuit of profit.

Perhaps, when the poor do not starve to death and capital is profitable, they will let the poor no longer starve to death.

Otherwise, the poor will die.

Even, even these two traders who are still playing "Monopoly", if they have the opportunity to get enough benefits, they will not hesitate to kill the peer opposite them.

Doug, who was in New Haven, though not in Manhattan, faced these deals personally.

However, with a large number of employees leaving the city, he has a lot of news about Wall Street in Manhattan.

When he learned that he had used his Claydon Investment Bank to make a VAM transaction, he undoubtedly made people invest a large amount of money in the VAM.

This kind of almost risk-free profit, why didn't he participate in it?

For him, he felt that his Claydon Investment Bank, would definitely win.

As for why?

Because, for this era, he has too many ideas.

There are too many places to make a fortune, and he doesn't have enough time.

Originally, he lacked enough talent to make money for him. Therefore, only do some of the most profitable things.

But, now, talent is uninvited.

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