Chapter 87 Business Model of Investment Companies
Wu Yingying laughed when he heard Sun Haoyang's words, he knew that Sun Haoyang was just joking with him, but sometimes the joke came true.
So he said seriously: "Entrepreneurship is originally about everyone contributing, everyone sharing money, and only a win-win business can be done for a long time." So if you find yourself losing money later, just tell me. ”
Sun Haoyang smiled and asked, "Have you chosen the company's office location?" ”
"I plan to choose the office location near here, which is densely populated, convenient transportation, surrounded by many securities companies and bank outlets, and subway stations. In addition, when the time comes, you will have to dig into the corners of your company's customers, and people will not want to come if they are too far away. ”
Sun Haoyang nodded: "The location near here is naturally excellent, otherwise there would not be so many securities companies, but the rent here is not cheap, right?" ”
"I took a fancy to the Jiuyang Building at the intersection in front, the name is more auspicious, and the environment inside is not bad. 3 yuan a square, I plan to rent about 200 square meters first. ”
"It's only 3 yuan a square? The 200 square meters are only 600 yuan in total, why is it so cheap? "In Sun Haoyang's mind, how can it cost tens of thousands of yuan to rent such a large office building in this vicinity.
"Cheap? You should be 600 yuan a month? It's 600 pieces a day! Rent for commercial office buildings is calculated on a daily basis. That's 18,000 a month. ”
"I said yes, then your operating costs are not small, the office buildings are all commercial water and electricity, plus rent and property fees, this month will cost 20,000 or 30,000, not counting employee salaries."
"That's why I need your help, twenty or thirty thousand, you can make a little money in the stock market."
"It's not that simple, it's a bull market now, and of course you think it's easy to make money. But soon the bear market is coming, and it would be good to be able to keep the fruits of victory and not lose money at that time. ”
"Let's talk about the future in the future, I can afford to lose this money, and besides, there is a master like you, I believe you will not watch me lose money."
Sun Haoyang waved his hand and changed the topic: "Have you thought of the name of the company?" ”
"I'm going to call it Hero Business Consulting Co., Ltd., what do you think?"
"It's not good, it's gloomy and bearish, and it's very unlucky when you hear it."
"Then you give me a domineering auspicious name."
"It's better to call it Haoyang Investment Company, how magnificent."
Wu Yingxing's face was full of black lines: "It's better for Haoyang to invest, it's better for you to be the boss and I'll work for you." ”
"Don't, I also learned a little bit of securities investment, I don't know how to manage a business, or you as a professional."
"Then what do you call it, heroes are unlucky, or they are called martial arts...... No, Wu sounds like no ......"
Sun Haoyang pondered for a while, and suddenly patted his thigh and said: "Yes, it's better to call it Tianhe Investment Company, the name is domineering enough, the key is to be confused with Tianhe Securities, people who don't know still think that we are a subsidiary of Tianhe Securities." ”
"Well, the name Tianhe is good, but it can't be called Tianhe Investment Company at present, it can only be called Tianhe Business Consulting Co., Ltd."
"Why is that?"
"Do you think the name of the company can be given casually, the industry and commerce regulations stipulate that if you want to carry the word 'investment' in the company's name, the registered capital must not be less than 10 million yuan, where do you let me go to make up 10 million yuan now?"
Sun Haoyang pouted and said: "10 million is not simple, the sum of the money between me and you is 5 or 6 million, you have such a wide network, I don't believe that you can't even pull millions of customer funds." ”
"The registered capital of the enterprise is not an asset, it must be real money, and according to the regulations, 10 million cash must be deposited in the bank for at least three months. Now that the stock market is doing so well, where do you ask me to find 10 million cash? ”
"There is also this kind of regulation, then forget it, 10 million cash for three months, the interest alone is a lot of money, anyway, it's just a name, let's talk about it later."
"It's easy for me to do these things when I run a company and recruit people, anyway, I used to do a lot in the company, but how to operate after the company was established, I still need you to give me more ideas in this regard."
"Speaking of which, I really know a little bit about it, and we also have some investment companies attached to our sales department, and I also know a little bit about their business model."
"Then tell me about it."
"A securities investment company like the one we want to create is, to put it bluntly, two profit models.
One is to rely on the customer's commission income, we must find a securities company to be affiliated with, and then introduce the customer to this designated securities company to open an account. These clients then receive a share of the commission income from the securities company.
According to the current conventional model of brokerage companies, the commission rate of these customers will generally be set at the cap of 3/1000, and the securities company and we will each take half, that is, 1.5/1,000.
Another model is revenue sharing, simply put, it is to recommend customers to buy stocks, earn money and dividends, and the more common dividend ratio in the market is 28 or 37 shares.
This model is more fraudulent because we don't care about losing money when the customer loses money, but generally there is no big problem as long as it is not overdone. ”
"So which model do you think we should take?"
"I think the best way is to adopt both models, for customers we can be divided into two categories, those who are willing to open an account, we will earn commissions from them, and those who are not willing to open an account, we will share the revenue with them.
But no matter which model you use, the most important thing is to have customers.
The essence of our leather bag investment company is, to put it bluntly, to make money from customers.
For our commission-based clients, we want to encourage them to trade as often as possible so that we can earn more commissions.
For our revenue share clients, our main goal is not to get them to buy stocks with upside potential, but to get them to buy stocks with high volatility.
Revenue sharing is nothing more than a game of probability, buying stocks with high volatility, we can guarantee that there is always a 50% probability that a lot of money will be made - of course, the remaining 50% probability that the customer will lose a lot.
With this approach, the churn rate of customers will be very fast, so we must constantly add new customer resources.
In this way, we need a large number of salesmen to create new customers for us through telephone, email, QQ and other communication methods.
Of course, when we become bigger and more famous in the future, we can transform into private equity funds, and then it will be another business model. ”
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