How to start a business in the financial field?

For the direction of financial entrepreneurship:

1. Internet finance. When many things are combined with the Internet, there will be endless opportunities. Because the internet is such a magical thing, it is so huge that no organization can monopolize it, and it changes so fast that many large enterprises can't keep up with it or the grassroots. The essence of Internet finance is disintermediation. The so-called media is a traditional financial institution headed by banks. Internet finance itself is an anti-traditional thing. Starting a business in this field will be less bound by tradition, and factors such as contacts and experience are less important than traditional finance. In recent years, Internet finance has explored many business models:

A. channel innovation. Products are still traditional financial products, which are only sold through Internet channels, such as Alipay and Digging for Wealth, so that traditional wealth management products are sold on the Internet, rather than at bank counters.

B.P2P makes investment and financing bid farewell to traditional financial intermediaries and become more efficient. For example, P2P loans, crowdfunding and other online platforms have mushroomed.

C. Use Internet big data for credit risk control. The latest striking project is Wecash Flash Silver's acquisition of IDG4000 million A round of financing. The subject can search by himself.

D. Internet thinking has begun to shake the most fundamental thing of traditional finance-money. Amway, oh no, have you ever heard of Bitcoin? Topics of basic knowledge can be searched online. The legality, scientificity and vitality of Bitcoin are not discussed here, which at least shows that a group of people have begun to challenge the current monetary system. From the design idea of Bitcoin, we can see many bright spots: decentralization, returning money to the people, global payment and so on. From the perspective of entrepreneurship, many new companies have been born in this field, referring to the bitcoin segment that VC is interested in. In fact, in addition to Bitcoin and other similar virtual currencies, there are many other innovations that challenge the authority of legal tender more or less: for example, point exchange, which unifies the consumption points of all people in different businesses into one market for exchange, and to a certain extent, changes the points from the original chicken ribs into a means of payment that can be effectively converted into purchasing power. I think it is a substitute for money.

2. Private investment. Now the approval of private placement is not as strict as before, so it can be said that it is very lenient. Therefore, according to the conditions given in the title, I think this may be your imaginary venture: relying on your own technology, raising some funds from investors, making great efforts in the futures market (or other financial markets), doubling in one year, breaking through 100 million in two years, dominating the financial market, getting married, and reaching the peak of your life in three years. ...

How can I put it? This paragraph may be the only thing the subject wants to hear, but unfortunately I am not good at it. Let me give you an example. My younger brother in college is stunted in many aspects (it is hard to imagine whether he will break up with me after knowing my evaluation of him), but in terms of investment, he is the most talented person I have ever met. During my four years in college, I dealt with stocks almost every day. 10 graduated from university, gave up a lot of awesome jobs and went to a small domestic brokerage firm (the top three in the country) just for the new chairman of this brokerage firm. After I arrived at the company, as a small student, I was of course placed in the most marginal position. He insists on doing market research every day, building his own model, making innovations, and then publishing his gains on the internal forum of the company. As a result, there was no one, no bird, no him (it was later learned that the chairman had been paying close attention to him). After a very depressed day, he made an important decision-starting a business! He found several customers who were willing to try to trust him, got millions of funds, found two friends, one was IT, the other was marketing, and was responsible for his own investment, so he started. When he resigned, the chairman personally met with him, expressing regret and retention, and promised to return to the company at any time to entrust him with a heavy responsibility (this is the basic feeling? )。 For more than half a year, his model test was very successful. The money earned from the investment was not only returned to the customers, but also got about1200,000 for each of the three members of the team. At this time, contradictions within the team gradually accumulated and broke out, and this small group of three people was dissolved. But with more than half a year's report card, he went back and found the original director (Hao) (Ji) (You), which proved that his model was feasible. Maybe it's because small brokers need investment talents too much. Seeing such excellent investment performance, the hungry chairman immediately made a decision to let him come back and gave him a self-operated fund for him to play, up to-800 thousand (haha). The fund of 800,000 yuan is obviously only experimental, but the aura of my brother's talent has begun to appear, and the investment performance has remained stable at a high level. Then the amount of funds increased to 2 million, 5 million, 6.5438+million, 30 million ... In one year, the funds he managed reached 30 million. At this time, he was just 25 years old and graduated from college for three years. The annual rate of return of this fund is around 30%. Because the amount of funds is gradually rising, the average annual amount is about 6.5438+million, so he earned about 3 million a year. In order to show his importance, the company rewarded him with all the income of 3 million yuan (after deducting various taxes and fees, 100). In 20 14, the company transferred him to the asset management business and became the youngest investment promoter (26 years old) in China, with management funds exceeding 200 million, reaching the peak of his life. In the first half of 20 14, his investment income reached about 20% (absolute income, non-annualized), and his personal income should exceed10 million this year.