Chapter 148 Diversified Allocation of Financing

Roy smiled and nodded, as if he had said hello.

Now that his identity is not ordinary, he doesn't need to talk much unless necessary. Because as soon as he speaks, the audience will inevitably listen quietly based on the worship of power, and he himself can easily fall into the intoxication of self-performance and delay everyone's time.

In his past life and in his present life, Roy has held countless meetings in the company, and what is super annoying is that some people are self-absorbed in their own topics, talking about things that have nothing to do with the meeting, and raping the IQ and time of the audience.

However, self-performance is human nature, and Roy is not exempt from vulgarity, he will force certain rules to punish himself when he violates it, and it would be better if he could have a tacit friend to remind him.

Everyone in the audience introduced themselves one by one, and in the end, Doyle only left two people, and the rest were sent out.

Doyle smiled: "Roy, do not disgrace your mission, recruit these two elite generals to you, Thomas's financial achievements are only a handful even on Wall Street, and he is very trustworthy; Leo, on the other hand, is a legend in the field of hedge funds, and every time he invents a trading algorithm, it goes viral on Wall Street. ”

For these two, Roy also participated in the previous interview and talks, so he is not a complete stranger, but if he wants to recruit the two elite talents of them, it depends more on communication, everyone can talk to each other, and the conditions are about the same, so they will sign an agreement to work together.

To put it simply, what we look at each other is more about whether we can get along.

Roy is a minus point in terms of age, and he usually doesn't like to have awkward conversations, so rendering the communication atmosphere is also a minus. Fortunately, Roy's solid achievements have added a lot to him, plus generous treatment, Doyle's charisma bonus, and Roy's blueprint...... In the end, these two industry giants were identified.

At this time, there were only four people left in the conference room, and Doyle, as the only woman, made a joke or two from time to time, enlivening the atmosphere, and after a while, everyone's discomfort with the unfamiliar environment was alleviated a lot.

Women deserve to be the most powerful lubricant in social situations.

After the greetings, everyone entered a relatively serious topic.

Thomas passed a plan to Roy and said with a smile: "This is the first phase of my financing plan formulated according to your requirements, the first round of financing of 300 million US dollars on the worry-free payment platform, divided into five plans and eight variants to diversify the risk, stagger the peak repayment time......"

Roy flipped through the pages and followed Thomas's train of thought, confirming the intent of the details of the plan one by one.

In fact, Thomas's strategy is the same as the saying we often hear - don't put all your eggs in one basket. Use a variety of combination options to diversify funding sources, diversify repayment time, and reduce financial pressure.

At the practical level, it is to design investment products with a variety of maturities and interest rates. For example, the financial investment product A requires users to deposit funds for 3 months, assuming that the interest rate is 3.5%; Product B, which can absorb funds for 6 months, has a higher interest rate than product A; C product, which can be a longer savings period, and the interest rate can be raised a little higher......

It is also a variant of common bank savings, the only difference is that using the advantage of the network as an information transmission, the product marketing of the financing platform can play more tricks, and under the dazzling preferential incentives, people will tend to put their funds into the payment platform that feels that they can make more profits for the funds compared to the bank.

Compared with traditional banks, the online platform is closer to users, can respond to customer needs more quickly, and can efficiently use the advantages of information transmission speed to optimize its own products.

This is like a person who wants to manage his money with 50,000 yuan in his hand, and he will go all the way to the bank for consultation? Or will it be convenient to make a comparison on the Internet and choose directly?

If the amount is not large, the promise will usually be the latter.

Just like Alipay's Yue Bao function, the daily throughput of user deposits can be comparable to that of a traditional large bank.

After all, the two are not an order of magnitude in terms of business efficiency at all.

After confirming that there were no major omissions in this plan, Roy asked, "Thomas, how long do you think it will take to raise $300 million for this new platform?" ”

Thomas mused: "It's not easy to predict, because this is a new method at the level of a turning point in history, so it will need to be tested many times." However, I think that if you create a limited number of popular financial products and raise the interest rate very high, the financing progress will definitely be faster, and the popularity of the worry-free payment financing brand can be quickly increased in a short period of time. ”

Roy nodded: "The idea is very good, immediately make a corresponding plan, directly conduct small batch testing on the platform, collect user feedback, and make timely adjustments in the implementation process." ”

“ok。”

Roy's current investment in starting a company, including the funds needed for future investments or acquisitions, is intended to rely on worry-free payments, so Thomas's advice is refreshing and feels very reliable.

The financial part of peanut venture capital is basically sorted out. Roy turned to Leo and said, "At the end of our agreement, you are solely responsible for the operation of the hedge fund, and I will not interfere." ”

Leo nodded.

Roy continued: "To be honest, I'm not a professional in hedge funds, but I will occasionally send you some orders, asking you to operate according to my ideas, and the risk of the orders sent will be borne by me personally, of course, the profits will only be divided into a very small part of the team, ok?" ”

"Understood." Leo didn't know what his new boss wanted to do, but the agreement that Roy had repeated just now had been communicated before, and he agreed, as long as Roy didn't get involved in his own management details, it didn't matter. The reason why he agreed to Roy's solicitation was mainly to use the financing platform of worry-free payment to achieve his truly legendary prestige on Wall Street.

In Roy's eyes, Leo is a very thoughtful and stubborn person. He doesn't like to deal with this kind of person, but at work, he can still tolerate it. Because the only purpose of survival in business is to make money! As long as Leo can bring stable and sustainable profits to the company, he can do whatever he wants. Even if he didn't respect him very much, Roy could put up with it.

"Okay, Leo, I'll let Thomas prioritize $100 million for you to operate, and as for the recruitment of specific members of the company, you can figure it out yourself, or you can ask Doyle. In addition, my personal trading order should be given to you by the end of next week, and the operating funds are provided separately by Thomas, which does not occupy your quota. Please be prepared. ”

Leo nodded. He couldn't figure out how a hedge fund layman could make a profit, which was nothing short of a fantasy, having been on Wall Street for nearly two decades and scoffing at Roy's childish behavior.

If you don't die, you won't die!

Leo sighed in his heart, hoping that his new boss wouldn't play too much, otherwise he would lose his family and wipe the other party's ass himself, which he would not do.