"Send 500 red envelopes, now send BP to you"

It's easy to say. At noon the day before yesterday, in the Xiaohongshu and WeChat groups, a screenshot began to circulate, and an FA posted 9 project briefs in the WeChat group, with hot concepts, many categories, hard and foreign: from drones, ocean excavation, space burials to quantum computing, electric bicycles, space satellites, flying away, and so on. Even the conditions are specific, "only accept leading institutions", "including Hong Kong and American capital".

To be honest, although it smells a bit of a "king fish", it is not all unattached, literally, some can indeed catch the demand of US dollar funds. Someone asked, "Mr. X, can you take a look at item 8", and the reply was, "You can send it, send 500 red envelopes, and send BP to you now".

This is broken, the bad is bad for 500 yuan, posted on the Internet, and the ugly ones are coming-everyone is malicious to everyone-"Has FA reached this stage of hunger?" This is not only ugly, but also has two points of direction: one is the situation, and the other is pricing.

What is the situation of FA, I talked about it before in "There Are No Investment Bankers in China". That will Bao Fan just went to drink tea, and the other head FA immediately came out "don't play", the market is not good, FA must be bad, we all understand, but we didn't expect that the shuffle was washed from the head, to paraphrase a famous sentence of our teacher Pu: This is counterintuitive, ah.

Not to mention the pricing, the 500 yuan open in the group is simply disqualified by the dignity of financial people.

But this is the most paradoxical problem of the FA profession, isn't it? Logically, what should the FA exchange for money? In fact, what is the FA taking for money? Why can't the FA make money in units of 500 yuan?

Since the problem is with the money, let's talk about the money first. I have a little bit of the right to speak, in the past few years at the coffee table, dinner table, wine table, I always put money on my lips, who to catch and ask whom, not ashamed at all, who doesn't love money?

But again, where in the world is there love for no reason? I just want to know, where does this love come from? As a result, although I don't remember who gave the standard answer, the question itself is a psychological suggestion, and I slowly got into it. So I think that in modern life and work, the meaning of money to ordinary people is most of the time a tool to protect rights, of course, if there is enough money, there can be something at a larger level, not to mention specifically. So the thirst for money is essentially a thirst for power. Being undervalued in terms of money is equivalent to being undervalued, discriminated against, and insulted as a human being. Therefore, whoever is underestimated in terms of money is bound to be scolded by the street.

So whether 500 yuan is underestimated, and whether it is worth scolding the street, you have to say. Let's talk about why FA eats first, if you want me to say, first information.

If you draw a broad line for the work of financial advisors, from left to right, there are information, resources, and transactions: timely and accurate information constitutes resources, and just the right resources to facilitate transactions. It is not difficult to understand from the information, and there are traces to follow from the literal point of view, and the information starts from the language and the heart, and the two words are transparent and clear when they look at it. But the fact is that if there is a choice, no one wants to draw such a long chain, in other words, those who have a choice, they all go directly to cut the "resource". The problem is that resources are the result of openness, not only from information, but also from the uncertainty of FA work.

The head FA began to shuffle first, precisely because the relationship between resources and money is not easy to handle, not that resources cannot be exchanged for money, but the origin and origin of resources are not easy to say, or it is difficult to say, after the exchange of money, there are troubles behind it. Supposedly, in a free market, the source of resources should be information, right? But people don't want to spend that effort, the market is too volatile, how fast the resources are cut, just talk about the information, you don't really believe it, right? As a result, the value of information is ignored by many people, and people only recognize the resources constructed by information, but refuse to put a price on the information itself.

The subtext of why people despise the value of 500 yuan is: I have the right not to make 500 yuan, and the industry I am in should not be priced in this unit - this is precisely a kind of privileged thinking, the reason is simple, many jobs do not have this pricing power.

Take writing as an example, people who are a little older have worked in newspapers, When the magazine took a word in exchange for a few cents for the manuscript fee, I wrote a short review, I wanted to water 1,500 words, occupy a large tofu block, and earn an extra 200 by the way, the editor was very polite, first delete half of it for me, and then smack two mouthfuls of teeth, I have to write a manuscript like a beating, I have to be fast and accurate, I can use my fists to pin my palm, while saying that I should be a chest slap twice, I was not convinced on the spot, glared at him with a head tattoo, went back to eat ramen to relieve his anger, ate half of it and felt that he was reasonable, and the manuscript fee given to me was also reasonable, the market is priced at this, or don't do it, if you want to make a living from it, you have to bear it. Besides, words are power, money is also power, you enjoy the right to speak, what's wrong with avoiding avoidance in money? Isn't it supposed to?

In fact, I want to say that every line is the same, although everyone verbally admits that the low-hanging fruit is picked, and you must be willing to do hard work by investing in it, and subconsciously, you will still despise the information pricing of 500 yuan. But this is the situation, the reality is such a reality, you have to make an investment, no old editor deducts your manuscript fee, but someone charges you 500 to see BP, this is the reality, very fair. Reality is not necessarily reasonable everywhere, the number of five hundred, the scene of WeChat, may have faults, but this is not important, understanding the reality is the most important.

Now the more direct interests are directly ended, the role of FA has changed, the service content has changed, and the upstream must be uncomfortable regardless of the reason to cut the share downstream, so I just want to explain that the upstream has changed, the downstream must change, and under the premise that it must change, it is arrogant to ignore the possibility of small information, small resources, and small pricing.

Let's talk about another thing. Last year, I added a friend of XX capital on WeChat, more than a year, regularly push the project every week, and start with my name, it is said that I am middle-aged, if the mind is good for a teacher, then it should be said: the demand does not match, brother! If you are irritable and frustrated and lack of patience, then you will directly block things, but I am a lazy person, and I began to reply politely, and then I never replied, but I still received a push every week. It is said that when FA is accurate, it must be able to match resources, and the subtext is that you have to be smart and do your job, but if you want me to say, it's better to be stubborn now. 500 yuan to see BP, or send WeChat every week, they are all a little stubborn in this line, and they are still working, re-valuing, whether they succeed or not, I respect them.

I'm giving this example, not to say that you shouldn't use resources wisely, but I just think it's wrong to use resources if you don't use them. Now there is an FA who is willing to re-price the information, although it seems that it is a bit clumsy, the efficiency is average, and the realm is not high, but he believes in the information in his hand and is willing to price it from a low level, which is not a bad thing. A market to talk about vitality, there must be a level, there is a chain, there is a dependence, the pricing is not only not afraid of low, but the more refined the better, there must be someone to do some hard work and not so profitable work, in order to make the people and things above become reasonable, so that the transaction is alive and widespread, isn't it?

I know that some people will compare this matter with the last time "pay 10 million first and then do due diligence", but these two are not the same thing, 10 million is a transaction obstacle, 500 yuan is not. In this world, the number is different, the nature is different, 10 million is called the threshold, 500 yuan is at most called the option, just like a yield of 1,000 catties per mu is science, it can feed people, and a yield of 300,000 catties per mu is hysteria, and people will starve to death.