Chapter 27 Tongfubao
The system abides by its principles and resolutely prevents Cao Shen from conducting transactions online.
“No, no, no, don’t worry, I don’t trade online.
Just make a schedule and make reservations.
This is not a transaction, it is just information collection and confirmation. "
[Well, you can have this]
"But as an all-knowing system, I feel like you failed to take into account a very serious situation."
【What's going on? I didn't consider it! 】
“The investor transfers the money to the entrepreneur, and the money is deposited in the entrepreneur’s company account.
What if the entrepreneur doesn’t go to the industrial and commercial office to make equity changes?
Or the entrepreneur has changed the equity, but the investors have been reluctant to invest money.
What if the entrepreneur just takes the money and runs away?
What if the entrepreneur is like the one from Xinyuan Technology and spends money like crazy?
Then investors’ money is not protected.
We are an investment bank with this matchmaking model to serve investment institutions and entrepreneurs. However, we are limited in our ability to do early-stage projects. If the number of projects is large, there will inevitably be dead branches.
You have also seen that many angel projects just sell concepts and PPTs, and there is nothing to pledge.
What if someone tries to make money through this model?
Then our brand will be ruined. "
[Well, you have a point. 】
“Then do you think this fund should be supervised?
Let investors not delay payment and give money to entrepreneurs within the specified date.
Entrepreneurs are advised not to act recklessly or make dangerous moves like absconding with money.
Don’t the investment terms given by investors usually include a clause that requires the investor to be informed of any expenditure exceeding 500,000?
But the actual situation is to cut things off first and then tell them later, or there is no way to supervise them. "
[Well, it should be regulated]
"So, I don't plan to do transactions on the website.
But do you think we should apply for a third-party custody account at the bank?
When the entrepreneur completes the business change, this account will automatically release funds.
When entrepreneurs make large expenditures, this account can send notifications to investors.
Let me emphasize again, this is not a transaction, this is supervision! Supervision! "
[Well, we need to supervise...]
【But I feel something is wrong...】
"Investors select startups on our website, and startups meet with investors through the schedule and have in-depth discussions. This is not considered a transaction, right?"
【Not counting】
“Entrepreneurs open an account at the bank, and investors open an account at the bank.
Investors transfer money into a regulatory account, and entrepreneurs withdraw money from the regulatory account.
This has nothing to do with our website. "
【It doesn't matter】
“Although we applied for this supervised account, it is the bank that lends money.
It has nothing to do with our website. "
【It doesn't matter】
"We just went through the motions of applying."
【right】
"So, why don't you apply?"
[Oh, okay. 】
“We provide this fund supervision service, should we give this service a name?”
【right】
"System, seeing how hard you have worked on this matter, I think this service should be named after you!
Just call,
Tongfubao!
What do you think? "
[Really, okay, I think this name is very good! 】
“Well, go ahead and apply.
By the way, get the trademarks and all.
By the way, this kind of service may also require a license or something, so you can get it by the way. "
[Yeah, it’s done. Do you want to design a LOGO? 】
"Can you also design?"
【meeting! 】
A second later, a small whale spouting water with white on a blue background appeared on Cao Shen's computer, with the words "Tongfu Bao" written underneath.
"Why a baby whale?"
[The volume of transactions will be large in the future, which represents my swallowing ability! 】
"Oh, you can have this, this is it!"
When Cao Shen first developed open source software and licensed it to developers for free, he had a registration page.
Detailed company information needs to be filled in, and this registration page also has a dedicated option:
"Are you willing to accept financing services?"
This question is very vague, and developers naturally understand it literally.
What Cao Shen meant was, "Do you accept my financing service?"
The vast majority of users of open source software are entrepreneurs. Naturally, they need financing and financing services, so I checked the box without thinking at the time.
In this way, Cao Shen now has a large and detailed information base of entrepreneurial projects.
Now, you just need to fill in this data directly into the "Investment Banking Business" column, and it will be filled directly into the database, which looks extremely full.
As for doing tech deepthroat, there are four purposes.
First, it is to prototype my own "website building" open source software and let others know what the effects of this tool are.
By creating a platform, more people can use this website building tool, and another wave of entrepreneurs will come in.
Secondly, it is also to gain popularity. Investors like Qian Ming come here and contribute comments diligently every day, fighting openly and secretly for rankings.
After all, it is not enough to have entrepreneurial resources to set up an investment bank. You must have enough investors to pay attention and spend money to promote financing transactions.
The third reason is to provide one-stop service. Help you with financing, help you with reporting, and promote products and companies.
Fourth, it is what Zhang Beixin mentioned, cultivating potential talents.
As editors of technology media, they are exposed to the latest and hottest products all day long, so they can naturally transform into investment banking services for early projects.
Of course, mid- and late-stage projects require more professional skills, which can be cultivated and screened in practice.
Now they have fooled the system into creating a "Tongfubao" as a payment tool, and they will charge a handling fee of 0.6%.
In this way, the 5 million investment funds only need to pay a handling fee of 30,000 yuan, which is not sensitive to entrepreneurs.
There are project sources, investors, one-stop services, talents, and payments.
This is how it works.
At first, Cao Shen used investment banking to make himself complain in person to prolong his life as a blood bank.
Now, since he has found loopholes in the system, he can naturally use public power for personal gain and invest in good projects.
Moreover, these are early-stage projects. If they fail, the loss is not too big. As long as he carefully calculates, he can make money while making money.
For mid- and late-stage projects, Cao Shen cannot afford them now, and his life and money are not enough.
However, accumulation takes time.
He originally planned to sort out all these things before letting Zhang Beixin execute them.
He didn't expect this senior sister to be so powerful. She could think of it and plan it herself.
It saved Cao Shen a lot of time. Senior sister, it's really great.
Salary must be increased! Give shares!
On the Tongcao Technology side, because the origin is unknown, it is not convenient to distribute the shares.
It is much more convenient to set up a separate company on the investment bank side.