Chapter 69 Business Plan

"Yeah!" Su Yu nodded, "If their company accepts personal investment."

He Qian was stunned for a long time, and then she came back to her senses and said in surprise: "How can you conclude that our institution cannot pass this investment project? And...where did you get 1.5 million yuan to invest in the primary market?" , as far as I know, isn’t your family in financial difficulty?”

Su Yu said with a smile: "As you just said, the Federal Reserve is about to raise interest rates, domestic financial institutions are tightening money, and the financing needs of enterprises in the primary market have surged. However, market investor confidence is not enough, and investment institutions do not have much funds. , being able to spend as much as you like.”

"This has resulted in a serious mismatch between corporate financing needs and capital needs in the primary market."

"And I believe that your organization is currently in the research stage, and there are definitely many projects that you are interested in investing in. So... when funds are limited and there are many projects, from the perspective of company-level interests and investment risks, naturally It is to choose enterprises with relatively promising prospects and stable risks for investment.”

"so……"

"I dare to conclude that this 'mobile game production company', with its financing scale and slim development prospects, will never be included in your organization's priority investment list."

In fact, in Su Yu's memory.

Guangya Investment, where He Qian worked, did not agree to the financing request of this "mobile game production company" and missed this investment opportunity.

Afterwards, this ‘mobile game production company’ was forced to do so.

Only through some connections did I find a non-professional investment company in Yuhang, and raised about 2 million yuan in funds, solving the urgent funding problem.

And, judging from the development of later generations...

In Su Yu's impression, this 'mobile game production company' with great potential had only one financing at the beginning of its development in the pre-IPO stage. In other words, if he missed this time, he would have missed it forever. During the development stage, intervene in the investment opportunities of this company.

"As for where I will get the funds, they can be used for primary market investment."

Su Yu smiled and continued: "I can only say that in the past month or so, the stock market has been pretty good. I seized a few opportunities and made some money."

"According to what you just said, you must earn at least 1.5 million, right?" He Qian said in surprise, "Isn't it said that it is a big bear market now? When will you be able to make money casually in the big bear market? And... if you want to make money in a short period of time, To earn more than 1.5 million in just over a month, even if you can have a 100% investment record, you still need hundreds of thousands or millions of principal!"

"Well..." Su Yu paused, not thinking about how to explain.

Li Meng had already answered on his behalf: "He's right. In the past month or so, he should have earned far more than 1.5 million from stocks."

The Fortune Road Sales Department of Huashang Securities where she works was on the Dragon and Tiger list not long ago.

According to the list data at that time, the funds in Yang Hao's stock account that Su Yu managed on behalf of clients had exceeded 10 million. From this, Li Meng could easily deduce the amount of profit commission that Su Yu should receive.

"Oh my god, isn't this so amazing?" He Qian was very surprised, but also extremely curious, and said, "It's been three days since we've been apart, and I'm so impressed."

In her impression...

She originally thought that Su Yu was still the poor boy in college who relied on work-study studies until he graduated from college and then stayed in Yuhang to struggle hard.

Unexpectedly, after a year and a half, the other party had been transformed and became a millionaire.

Of course, she didn't think it was easy for the other party to make money. She guessed that Su Yu must have taken some shortcut. However, it was not easy for her to ask about this specific way of making money, and it was impossible for her to ask in front of Su Yu.

"However, Su Yu, you just said that the fundamentals of this 'mobile game production company' are not outstanding. As a start-up company, it does not have sufficient technology accumulation and corporate moat. Its future prospects are unclear, and the investment risks are quite high." He Qian paused and asked, "I also know that no one's money will be blown by the strong wind. In this society, it is not easy to make money. Since you know the risks, why do you want to bet on this 1.5 million investment project? ?”

"If I were you……"

"With 1.5 million yuan in capital, I would not hesitate to buy a house in Yuhang instead of using it as venture capital."

While He Qian was talking, Li Meng's eyes were fixed on Su Yu. She also didn't understand.

Su Yu looked at the puzzled expressions of the two girls and said with a smile: "To be honest, for me now, 1.5 million is not a large amount of money. Even if I lose all of it in venture capital, I still can't. I won’t feel bad, and it won’t affect my current life.”

"As for buying a house..."

“The house doesn’t mean much to me right now.”

"Of course, I didn't just want to get involved in venture capital projects in the primary market on a whim."

"I was thinking about the 'mobile game production company' that Miss He just mentioned. Although the risk is high, in the 'mobile game' market and the rapid development of the 'mobile Internet', its potential is still huge. Yes, by investing at this time, I have the hope of exiting with huge returns in the future.”

"Although this hope is not great, there is hope after all."

"Furthermore, I am an individual investor, unlike institutions, which use investors' money and are timid."

"Investment... Regardless of the primary market or the secondary market, the risks and returns are always proportional. The primary market investment projects I can participate in are very limited, and it happens that this 'mobile game production company' you are talking about 'Project, there is a high probability that the risk control within the organization will fail, but it suits me, so I want to give it a try."

"Is it that simple?" He Qian asked suspiciously.

Su Yu nodded and said with a smile, "It's that simple!"

"Okay!" He Qian pondered for a moment and agreed, "If the financing plan for the 'Mihayou' project is really rejected by the company, I will try to contact you to see if they can accept the individual investor."

"Thank you!" Su Yu said with a smile, "If everything goes through, I will replenish the commission you deserve for this project on your company's behalf."

He Qian chuckled and said, "There's no need for that. After all, we're all classmates, so I'll just help you."

"and……"

He Qian rolled her eyes and looked at Li Meng again. She smiled and said, "You two live together now. If I help you, it is equivalent to helping Li Meng."

"I am me and he is him." Li Meng replied, "Don't confuse us."

"That's not necessarily true." He Qian said, "Anyway, I've never seen you treat any boy as kindly as you did to him before, and you two actually rented together..."

Li Meng saw her wandering around and brought the topic back. He hurriedly put a lot of hot vegetables in her bowl, changed the topic and asked: "Are you going back to the hotel tonight?"

"No, I'll sleep with you!" He Qian said with a smile, "It's been a long time since we slept together, and it's been a long time since we whispered together all night long. Oh, by the way... the one I made friends with in Shanghai. Boyfriend, what do you think? Is he handsome enough? If you don’t think so, then I will dump him when I get back."

"Who wants to sleep with you?"

Li Meng muttered, but looking at He Qian's clingy look, he smiled and said: "From what you said, this person should be okay. You can make your own decision. Don't care about my opinion. After all, you are the one who found him." I’m not looking for a boyfriend, your feelings are the most important.”

"Hey... I'm just not sure if I really like him." He Qian sighed softly.

Su Yu watched as the conversation between the two of them got further and further away. He basically couldn't say anything, so he shut up completely and lowered his head to eat his food. It wasn't until around 9 o'clock that the three of them dispersed together.

When Su Yu got home, he simply took a shower and then went to sleep.

As a result, when he woke up and went to the bathroom in the middle of the night, he vaguely heard the two people next door whispering quietly, and he was speechless for a moment.

When he woke up again, it was already 9 o'clock the next morning.

There was no movement next door, so Su Yu went downstairs to have breakfast, then returned home and watched TV for a while. It wasn't until around 11 a.m. that the two girls woke up.

At noon, Li Meng used the remaining ingredients in the refrigerator to cook a few home-cooked dishes.

Then the three of them just made do with it.

Then, in the afternoon, the three of them took a taxi to the West Lake Scenic Area. They walked around for a long time and returned when it got dark.

The next day, the three of them went to Happy Valley again. It was not until 5 p.m. that He Qian said goodbye to Li Meng and Su Yu, took the train and returned to the Magic City.

"Su Yu, thank you for hanging out with us these two days."

In the taxi returning to his residence, Li Meng turned his head and looked at Su Yu, grateful.

"What's there to be thankful for?" Su Yu said, "I still have to pray to Miss He to do things for me. It's natural for her to have a good time in Yuhang."

Li Meng chuckled lightly, but did not explain too much. He paused and asked, "Are you really prepared to invest 1.5 million in the 'Mihayou' mobile game production company that Qianqian mentioned?"

"If possible, I would like to invest more money." Su Yu said, "But there is a high probability that the management of the company 'Mihayou' just wants to seek funds to tide over the current difficulties, and does not want to large-scale I have to give up my equity in the company, so even if I want to invest more, I probably won’t have the chance.”

"You have never personally contacted the management of this company, nor have you investigated the fundamentals of this company." Li Meng said, "Are you so confident that you can profit from this venture capital?"

"Although I have not conducted on-site research, the product cannot deceive people." Su Yu said, "I took the time to download and play the game they run called 'Hengkai Academy' today. It is indeed good. From the product, I can see It seems that they are playing the game with all their heart, and...the investment of 1.5 million does not need to be taken so seriously. It is enough for me to be able to see the profit from the risk."

"Okay!" Li Meng tried to persuade him, but when he saw that he couldn't be persuaded, he gave up.

In her impression, Su Yu was a person with a strong sense of autonomy. Once an idea was decided, it was often difficult to change it. No matter how much she said, it would be in vain.

While they were talking, the taxi had already arrived at the community where the two of them rented together.

Su Yu got off the car, and then bought some rations with Li Meng at a nearby supermarket before returning to his residence.

Immediately afterwards, Li Meng started cooking dinner, while Su Yu helped with chores such as washing and picking up vegetables. At the same time, the two of them also chatted about the domestic macroeconomics, financial situation, and the future direction of the stock market.

"You said a magnificent bull market is brewing?" Li Meng asked Su Yu during the meal, "But the current market sentiment is still pessimistic. The Federal Reserve has withdrawn its monetary easing policy, but the European economy is still in a quagmire. , inflation and deflation appeared at the same time, and although the external environment has basically got rid of the shadow of the 'subprime mortgage crisis' in 2008, is it still too early to talk about recovery?"

"Let's talk about domestic..."

"The problem of inflation exists. While the Federal Reserve is tightening monetary policy, in order to stabilize the exchange rate and eliminate the domestic inflation problem, the central bank will definitely gradually tighten monetary policy and even raise interest rates accordingly."

"You must know that an upward trend in stock prices always requires a huge amount of funds to drive it."

"At present, and even for a long time to come, there should be no easy monetary conditions, and there will not be so much incremental capital flowing into the stock market."

"The central bank's interest rate hikes and interest rate cuts have never been the fundamental reasons for whether the stock market is bullish or bearish." Su Yu replied, "In 2006 and 2007, as the central bank continued to raise interest rates, the Shanghai Stock Exchange Index still surged several times, rising from 1,000 points. When it reaches 6,000 points, there are countless stocks that have risen tenfold or dozens of times.”

“Is it possible that the macro-capital level at that time was very abundant?”

"Then what do you think is the fundamental basis for determining whether the stock market is bullish or bearish?" Li Meng asked.

Su Yu said with a smile: "It's naturally due to future expectations and the money-making effect of the market itself. As you said, the current global economy does not look very good, but it has finally begun to shake off the shadow of the last round of financial crisis and has gradually improved." Things are getting better and there are expectations for a better future.”

"Coupled with the current explosion of demand for smartphones and the broad prospects of mobile Internet."

"With the development of these two major points, the economy can emerge with new growth poles, thereby benefiting various industrial chain companies related to these two major industries and releasing strong performance growth capabilities."

"There are changes in fundamentals and good expectations for the future."

“As long as we add a little fire to the current stock market and promote the money-making effect of the stock market, more and more people will naturally follow the trend and enter the market.”

"Furthermore, the current stock market has been bearish for six years, and valuations and trading volumes have been compressed to the extreme."

“In this case, it is not too simple to create a money-making effect.”

"And... even if the central bank wants to stabilize the exchange rate and follow the Federal Reserve to raise interest rates, there will be no shortage of active investment funds in the market. If you don't believe it, look at the current hot P2P online financial market. The scale of growth is simply staggering. Many websites In less than 3 to 5 months after its establishment, the amount of money it attracted directly reached hundreds of millions or even more than one billion levels."

“Is this a sign that the market is short of money?”

"It's just that this part of the investment funds is unwilling to come in after seeing that the stock market has no profit-making effect."

"The growth of the P2P market is indeed exaggerated." Li Meng thought for a while and felt that Su Yu's derivation logic also made sense. He replied, "If there is a magnificent bull market in the near future as you said, then I... also have to plan for myself."

"What, you want to change jobs?" Su Yu said in surprise.

Li Meng nodded lightly and said: "I submitted my resume to Auri Asset Management a few days ago. I passed the preliminary election. I am going to go for an interview next week. I estimate that the probability is quite high."

"Orui Asset Management? A public equity institution!" Su Yu remembered the background of this company, paused, and said, "Did your job at Huashang Securities not go well?"

Li Meng replied: "It's not that it's not going well, it's just that it's too difficult to get promoted. I want to enter the capital management department, but if I don't stay in a front-line customer position for three or five years, I won't have a chance. On the contrary... I'll enter directly. Asset management institutions don’t have to worry about this.”

"But the internal promotion mechanism of public-funded institutions is also very difficult."

Su Yu responded and said with a smile: "Actually, they also sent me a job invitation through headhunting, but I didn't like them."

"Are you showing off on purpose to make me angry?" Li Meng said angrily.

Su Yu shook his head and said: "No problem, I think your ability is not bad. Whether it is macro analysis, understanding of various investment industries, as well as investment cycles and market sentiment insights, you are very good. If you become a public offering institution, It’s a pity that a small employee should continue to work in irrelevant jobs for several years.”

"What can we do, continue to be an agent?" Li Meng sighed softly, feeling a little confused.

Su Yu noticed her expression and asked speculatively: "You saw that He Qian was doing well in a venture capital institution, and you felt that you were being compared, and you felt a little anxious, right? After all, you two were the same in college. The best sister, and He Qian is not as capable as you in any aspect."

He has known Li Meng for so many years and already knows his character clearly.

Although the other person rarely complains about life and is extremely serious about his work, deep down, he also has his own pride and strong self-esteem.

"No way." Li Meng replied, "Qianqian's work is going well, so I am naturally happy for her, but I feel that I can't go on like this."

"Understood!" Su Yu nodded and said, "Both of us are from the countryside, and we both have the same desire to stand out based on our own abilities. There is nothing wrong with this. I also have the same desire to be successful in China. The business department of Xin Securities could not see any future, so they resigned and went out on their own. Facts have proved that this path is not wrong."

"But you have no previous work experience related to asset management."

"If you choose to join Orui Asset Management, you will probably have to go through it step by step. This is no different from when you are in the Huashang Securities Sales Department."

"My advice is, you might as well stay where you are."

"After all, you have quite a lot of customers now, and you can make a lot of money with commissions and performance commissions."

"It makes no sense to jump back and forth between low-level staff positions. It's better to calm down first, accumulate more customers, and wait for real opportunities to come."

"What is a real opportunity?" Li Meng asked unclearly.

Su Yu pondered for a moment and said with a smile: "Didn't I promise to give you a position as a fund manager? To be honest, I'm not kidding!"

"July at the latest..."

"I want to set up a private equity institution, and you will be the manager of the first fund."

Li Meng was taken aback and asked anxiously: "Aren't you going to use your money to invest in 'Mihayou'?"

"Didn't you also say that the money I earned during this period is probably much more than 1.5 million?" Su Yu said with a smile, "Actually, 1.5 million is just equivalent to my daily profit."

"The time was not ripe before, but now after being bombarded with seats on the Dragon and Tiger List, and the trust of customers accumulated in the hands of you and me, I think it will not be a problem to raise tens of millions."

Hearing Su Yu's self-revelation and plan, Li Meng instantly showed an expression of disbelief.

Su Yu glanced at her, chuckled, and continued: "Of course, if you think that my business plan is not worth mentioning and the risk is too high, then just pretend that I didn't say that if you want to change jobs, just change jobs. If you like to stay in the sales department, stay in the sales department, and we will still be on the same page."

"Then I...think about it!"

Li Meng stayed for a long time before coming back to his senses and replied softly.

It wasn't that she didn't believe Su Yu, but she suddenly felt that Su Yu seemed to be a different person. He was very different from the person in her memory who only followed the rules of reality and worked hard.

Of course, compared to Su Yu before...

She admires Su Yu even more, who now dares to break through the rules and constraints of reality and desperately find his own entrepreneurial path.