这些投行、咨询公司里的聪明人为什么不来创业？
我的图书馆
这些投行、咨询公司里的聪明人为什么不来创业？
Professional service firms（下文简称 PSF）指的是投行、一线咨询公司以及顶级律师事务所和会计事务所等一系列提供专业服务的乙方公司。这些公司大概是世界上智力密度最高的地方。而在这里工作的人呢，虽然不同行业和公司之间也有鄙视的食物链，但是他们身上通常有以下几个共同的特点：快速学习能力：学东西很快，一般是名校背景 + 光鲜履历，一路走来没遇到过重大挫折，最多也就是和别的学霸交手互有胜负。从小就是顺风顺水，受大家瞩目，是长辈口中 “别人家的孩子”；理性思维：对事实、逻辑、数字非常敏感；拥有某些领域的特长：如公司财务、战略咨询、会计等等；财务状况健康：收入通常还不错，而且日常开销基本都被公司 Cover，收入=资产；会吹水（Bullshit）：特别是咨询和投行的人。这些学霸们通常不喜欢创业公司，但不是没有，比如阿里巴巴的蔡崇信。而大多数情况下，创业公司成长到一定阶段后非常需要这样的人。马云说过：蔡崇信这样的人在公司内部是培养不出来的，只能从外部来找。而且找到越早越少走弯路。当年阿里巴巴第一次拿软银的投资，就是蔡崇信建议马云拒绝了孙正义4000万美元的 Offer，只拿了2000万美元，让出了更少的股权。虽然创业公司在成长到一定阶段之后非常需要这样的人，但是想招到的难度很大。且不说蔡崇信，有的名校精英应届生只想着 MBB（麦肯锡、贝恩和波士顿咨询），连 BAT 都不入法眼，何况创业公司呢？在解开这个结之前，我先讲几个故事吧！故事一某个周末和某知名管理咨询公司的一个大美女喝下午茶。她说起自己对时尚领域的热忱，也抛了一个上周刚刚敲定下来的创业 idea，关于女性时尚行业的，跃跃欲试。我说创业要趁早啊，今年融资环境那么爽、钱那么好拿，快点起草个商业计划书去骗个天使啊。她笑道：“我接下来找些报告看看，分析分析，找找合伙人，想想能怎么开始做。”不知道她现在分析得怎么样了，但是这周我跑来北京出差，在国贸那边看到她的一个潜在对手开了个门店。之前跟她谈话的时候我说，这个市场机会很大的其中一个原因就是潜在对手还没进入中国，于是我随手拍了个照片发给她。故事二14年还在麦肯锡的时候，有一次和同事客户在吃饭的时候就在聊着，今年融资环境这么火咱怎么还不出去创业呢。某客户（以前也从事管理咨询工作）娓娓道来：某个程度上来说，选择到咨询公司工作的人都比较喜欢规避风险，做事情会瞻前顾后，抛一堆模型做一堆研究，最后通常得出的结论就是——这个东西风险太大，不值得做。席间也聊到一个他之前鼓动朋友去做的一个项目——做信息中介把中国女生介绍到韩国的整容医院、抽成。这东西佣金比例高达 40%，市场分散（现在都是整过的小模特小明星介绍小姐妹过去），客单价高（几万到几十万），现金回流快，初期投资少。不过用户规模增长有限，不是风投特别喜欢的概念。后来他的那个朋友看不上这个 idea，觉得不够高大上，也就不做了。再后来，“完美诊所”、“美丽加”、“有氧” 等如雨后春笋。他们要涉足跨境这一块也只是早晚的事情。故事三同样是还在麦肯锡的时候，和麦府的一个AP吃饭，聊到我心中有个创业梦的时候，她就拼命鼓动我快点出去。 她有过很多次机会，做外面企业的高管，但是最后纠结来纠结去，还是觉得待在公司蛮好的——专车接送、五星级酒店、吃饭有预算、没有 KPI。一旦离开了公司，你没有酒店积分，没有航空里程，不再是酒店白金会员，吃饭掏的是自己的钱。她语重心长地告诉我，在这里你呆的越久，越发现离开的成本太高。当下忽然想起一个同事分享过的一个故事：她在机场遇到以前做投行时一起共事的同事，发现大家同一班飞机。上了飞机后，她的前同事在商务舱坐下了，她还要继续往后面走。“这才是世界上最遥远的距离”，她笑着对我说。故事四14年11月，我兼职的项目（毕老师）告一段落，因为我们没有把一个兴趣项目转化成一个全职的创业项目。我们的团队，除了我之外，当时还有两个在做投资银行，一个在做 PE，只有一个人（CEO）全职。说到这里，这些在 PSF 学霸们的特点似乎很鲜明了，一个是不喜欢风险，另外一个就是不够接地气。前者导致他们不愿全职创业、做事情更愿意计算风险，但很少愿意试错，没有 MVP 概念、放不下高薪高福利的诱惑。后者导致他们即使克服了规避风险的强迫症，心里仍然只想着做高大上的项目，不愿意卷起袖子来干。而且他们没有兴趣真正深入研究市场，创业也总是以失败告终。这各种失败反过来又成为那些还在犹豫的前同事眼中的教训，如此一来，恶性循环。但是事情仍然在起着变化，以华尔街为例。根据新浪财经今年的一篇文章，最近几年来华尔街精英们正在掀起第二次西迁旧金山的热潮。以硅谷为核心的高科技迅猛发展，打破了以往美国金融中心固守纽约城的布局，让更多的华尔街精英开始考虑投向更有发展空间的高科技产业，来发挥他们的特长。根据沃顿商学院的最新报告：2014年 有 13.5%的毕业的 MBA 选择到高科技行业就业，而 2008年 同比只有 5.6%；2013年18%的哈佛商学院的毕业生进入高科技领域，是 2008年 的 3 倍。在美国顶级的商学院，MBA 毕业后受到的雇佣起薪在金融业和 IT 业基本不相上下，后者有时还会更高一些。当然空谈趋势是没有用的，以我创业的经历来看，有些办法可以帮助那些愿意到创业公司试一试的 PSF 聪明人们：男女搭配，干活不累：一般夫妻两个人，一个继续从事 PSF 工作，另外一个去创业，以分散家庭面临的现金流风险。就算创业的那一方一直不赚钱，继续留在 PSF 的那一方一个月几万块收入也够两个人花啦；给老板留一封情真意切的离职信：和老板聊聊，假装创业只是你的备胎，“组织” 才是真爱，创业失败了也可以回来求老板收留；多感受一下外面的世界 ：做项目的时候尽量选二三线城市的项目或 Implementation（战略落地）的项目做。工作上若没法自主选择，则可以在休假的时候多出去逛逛，开阔一下眼界，了解一下到底是什么样的市场和顾客在支撑你的项目；没有调查就没有发言权：偶尔也做做神秘顾客，就算不买也可以 Window shopping 或者打个 cold call 问问嘛，这些人年轻的时候在大学，一定也做过类似的学生项目吧；结识一线创业者：在开始项目前多和业内人士聊聊，说不定就被他们忽悠入伙了不用从头开始了呢因此 PSF 出来的小伙伴们也渐渐有了一些成功的创业案例，他们大多数都使用了我上面说的一条或者几条经验：上海北京白领们颇喜欢的Pantry's Best 派悦坊是麦肯锡出身的 Alumni 做的；YC 目前唯一的华人团队Strikingly是摩根·斯坦利出来的朋友做的；和一个经纬的朋友晚饭，听说了个 89年 的男生的故事。他是那一届最早实现财务自由的人。当时放弃某 VC 的投资经理工作，转到了经纬投的一个公司从底层做起，一个月拿 5、6 千的工资，之后花了两年时间做到创业公司的 VP——他加入的公司叫陌陌；香港中环有家煎饼果子店叫做老金煎饼（香港版的黄太吉啊），是一个从 Soc Gen 辞职的 trader 做的。不过即使是这样，PSF 的聪明人们来到创业公司还是要准备好很多的文化冲击，从西装革履到短袖 T 恤之间，需要的可不只是脱几层衣服，而是扒几层皮。有兴趣也可以看看一篇过来人写的文章：《How quitting my corporate job for my startup dream fucked my life up》by Ali Mese。（原文刊载于Medium）Finally the SMS arrived:“Tomorrow morning 5am, flight number AZ610 from Rome to NewYork.”An SMS hitting my BlackBerry on Sunday evenings used to decide my destination and client for the coming week.I was working for one of the top three global strategy consulting firms.A life packed in a suitcase. A consulting life where you miss out on everything and everyone in life, except Excel spreadsheets. A fancy business life we are taught to be ideal slaves of, at top business schools whose degrees we are proud to hold.After few hours of sleep, the private driver was taking me to the Rome Fiumicino airport so I could take my fancy business-class flight to NYC. Upon arrival, I was checking in to a fancy five-star hotel and heading to my client’s office afterwards.The salary? It was fancy, too. The company was proud to be among the top payers of the industry.ParentsThere was something wrong with this consulting life, though. I couldn’t stand this bullshit any longer and one day I called my parents:“Dad, mom, I just quit my job. I want to start my own startup.”My mom almost had a heart attack. It wasn’t the first thing a perfectionist mother wanted to hear after encouraging me to graduate from the world’s top business schools with top grades.I tried to ease her distress. No chance.“Mom, I hate it. All these consultants are pretending to be happy and they are taking happiness pills. I get to sleep only 3–4 hours a day. All those benefits the company promised don’t exist. Remember the fancy five-star hotel? I am working almost 20 hours a day and I don’t even enjoy it. Fancy breakfast? We never have time to have that. Fancy lunch, dinner? It’s just a sandwich in front of our Excel spreadsheets.Oh, by the way, instead of enjoying a champagne, I stare at spreadsheets during my entire business class flights, too. The fancy salary? I never have time to spend a single penny of it.I hate my life, Mom, it’s such a loser life. I don’t even see my girlfriend. I can’t fake it anymore. I want to start my own business.”My parents had retired after years of a 9–5 working routine at their secure and boring government jobs.I knew that coming from a family with no entrepreneurial background, it would be difficult to explain my situation to them, but I didn’t expect the call next morning.It was my mom on the phone:“Sooooooooo, how is your business doing?! Is it growing?!”No matter what I said, I couldn’t explain to her that a business needs more than one day to grow.Girlfriend, Friends & Social CircleHaving had the most supportive girlfriend ever, it was now time I shared the news with my friends who were busy climbing the fancy career steps in the fancy corporate world.I told everyone that I just quit my job to follow my startup dream. Some of my friends gradually stopped seeing me, probably because they thought there was something wrong with me since it was the second “fancy” job I had quit in a short period of time.While the rest of my friends were supportive, there was, however, still something wrong with my relationship with them:I soon realized I was starting to pull myself away from social gatherings.Every time I met with those friends, I didn’t have many updates to give them in response to their repeated questions, such as, “So, how is your startup going? You are going to be the next Zuckerberg, right?” “Oh man, we are so proud of you and we are so sure you will soon receive a huge round of investment.”Doing a startup was a long journey and I was putting myself under so much pressure by giving such a fuck about what other people think.Day by day, I was getting lonelier and more depressive as I avoided social occasions. My startup progress was not as fast as my social circle imagined it to be and I was fed up with telling people it took years for startups like Facebook and Twitter to arrive at where they are now.The only comfortable place was next to my few entrepreneur friends. It was true, only an entrepreneur could understand an entrepreneur.Cash, cash, cash.As if the social pressure and loneliness were not enough, I was meeting the mother of all stresses: running out of cash much faster than I had imagined.This was killing my productivity and ability to make proper decisions. I was panicking and rushing to be successful and to make money.One day, I even found myself asking my girlfriend for a few cents because I had no money to buy bottled water. I didn’t know it was just the beginning of such a difficult life full of ups and downs…Today.Enough with the drama: more than two years have passed since those days. I am now writing this blog post in a beautiful resort in Phuket, Thailand, while enjoying my mojito.Wait, I am not selling a dream. No, I haven’t become a millionaire startup founder.However, my business has a constant stream of cash that allows me to travel the world and to work from wherever there is WiFi.There are, however, five things I wish I had asked myself before starting this painful journey. Five questions I believe every future entrepreneur should ask himself before taking the first step to entrepreneurship:1. Are you ready for the social pressure?If you have friends and family who are not entrepreneurs, they won’t truly understand what you are trying to achieve and the public pressure will be even higher.I cared so much about what other people think of me– so much that it ruined my life.I was so hard on myself and punished myself with even more work so I could announce my success as soon as possible. That is, until the day I realized no one gave a fuck about me, so why would I?You are no more than a few seconds of attention other people give to a Facebook status. In 2014, no one has time to care about others in such a crowded, noisy world.If you care so much about what others think, you will waste your time trying to prove that you are successful instead of focusing on your startup.Get a life. I got mine quite late.2. Are you single or do you have an extremely supportive partner?As we grow up, we share more of our life with our partners than with our friends or family. While I was lucky to have such an amazing girl, it was so sad to see many of my entrepreneur friends breaking up with their girlfriends along the way.Doing your own business is tough – way tougher than I could have ever imagined. Your mind is constantly f*cked up with a million things going on inside and no other person, including your girlfriend, has a single clue what is going on in there.If you are not single, make sure your partner understands it’s sometimes normal not to have a mindset even for a simple kiss.Yes, for a simple proper French kiss.3. Do you have enough cash to last at least a year?Good, then multiply that amount at least by three because you will be running out of your savings way faster than you ever imagined. Along the way, there will be so many hidden costs, accountant fees, lawyer needs, broken iPhones or PCs, etc.Get ready for a smaller apartment, smaller food portions, or counting your cents, which you never cared about in your life previously.The last few months before you totally run out of your cash will be especially difficult and the pressure will grow so exponentially that you won’t be able to sleep properly.Success will come slowly, and cash will burn fast. Be smart – plan from day one.4. Are you ready to sleep only few hours a day?Having escaped from the corporate consulting world, I was thinking I was finally going to live the dream by working whenever I wanted to work – until I read Lori Greiner’s following quote:“Entrepreneurs are willing to work 80 hours a week to avoid working 40 hours a week.”Thanks for the photo, Ian, the awesome photographer.&It all started by little wake-ups in the middle of the night. At the beginning, it was because I was too excited about my ideas and I had so many of them. I simply couldn’t wait for the morning to arrive so that I could start working again.Then came the exaggeration phase. I was working too much because I never had enough of working for my idea and I wanted to do more. However, the more I worked and the later I went to bed, the more difficult it was to fall asleep and the lower the quality of my sleep became.As a result, at least two or three days of every week I was having days with almost no productivity.Don’t be fooled by my fancy Instagram picture above. Don’t be fooled by over-hyped funding news about startup founders becoming millionaires.The stories behind the scenes have so many painful days, sleepless nights, and continuous rejections and failures.The journey to success is long. Very long. Very often, too long.5. How do you define success?Each of us has a different priority list in life. For most people, money is the number one priority on the list, while work-life balance ranks higher for others. Consequently, people define success differently.Depending on your definition of success, the difficulty of your entrepreneurial journey will differ, too. If money and public success are what matters to you the most, you are likely to have a hard time along your journey.Remember Hemingway’s wise words:“It is good to have an e but it is the journey that matters, in the end.”Successful entrepreneurs are not necessarily those who raise millions of investment rounds. Don’t forget, they are one in a million.There are, however, thousands of dreamers out there who manage to bootstrap their startups or live so well off on their own, but even they do not make it to the top of tech news.No matter how much your journey f*cks up your life or how difficult it will be, enjoy the ride and keep following your passion. As Tony Gaskin puts it perfectly:“If you don’t build your dream, someone will hire you to help build theirs.”如果你认真看完了，那么请问，“你准备好了吗？”▎? 2016 高顿CFA 保留其所有权利，本文转载自公众号fantastic_fox，作者是「小赢理财」首席学习官肖璟（狐狸君raphael）。如有异议，请回复本微信。中新网10月24日电 今日消息，由百度金融与中信银行[2.13% 资金 研报]联合首发的“中信百度金融联名卡”于当天正式上线。即日起用户只须打开百度钱包点击“办信用卡”或中信银行信用卡中心网站即可办理。据介绍，“中信百度金融联名卡” 是百度金融与中信银行合作的重要一步，双方通过强强联合打通线上、线下权益通道，颠覆了传统信用卡积分模式，为互联网群体打造“年轻人的黑卡”。从外观看，这款联名卡在国内信用卡中首次采用了镂空黑色设计，具有银联和Visa Signature两种选择。不仅外观吸引人，高额返现也成了这款信用卡的“杀手锏”。据介绍，银联版联名卡绑定百度钱包后消费可享受支付金额3%的返现，而首次申请VISA Signature的新用户在境外使用联名卡刷卡支付，可享受交易金额高达10%的返现。 中信银行(SH:601998)自选股最新价：6.23 0.13 2.13%行情走势大单追踪资金流向最新研报公司新闻最新公告个股股吧优股预测龙虎榜中信银行 (HK:00998)最新价：4.92 0.04 0.81%行情走势公司新闻大行评级 对于此次合作，百度钱包相关负责人表示：“中信百度金融联名卡实现了用户使用信用卡服务时体验、权益的全面提升，并拓展了传统商业银行在信用卡权益上的设计和服务方式。此次合作是百度钱包将自身技术、用户、场景等生态能力及互联网化基因注入传统信用卡体系的有益尝试。未来百度金融将与合作伙伴共同探索更多金融发展的可能，为用户带来更加便捷优质的服务。” 中信银行信用卡中心认为，“此次‘中信百度金融联名卡’的发行是双方基于金融科技创新思维的一次合作实践。未来，中信与百度金融将不断积极探索，共同构建传统银行与金融科技相融合的创新模式，为用户创造更多价值。” 中信百度金融联名卡的银联卡版、VISA卡版 中信百度金融联名卡的银联卡版、VISA卡版 颠覆传统信用卡积分模式 打造首款“年轻人的黑卡” 当天，不少用户在百度钱包里进入“办信用卡”功能，看到了“中信百度金融联名卡”的滚动信息以及“百度联名卡”功能选项，点击进入后开始“快速办卡”。联名卡的银联和Visa Signature两种选择，为用户的不同消费需求提供定制化特色权益，其卡板设计也独具特色。其中，银联版联名卡采用业内首次推出的镂空设计卡版，专为购物达人量身定制，可享在线支付轻松返现：绑定百度钱包并通过百度钱包付款，享受支付金额3%返现，每月最高200元。Visa版联名卡则是旅游达人的不二选择，其卡板采用国内首张卡面无卡号的设计，首次申请VISA Signature的新用户在境外使用此联名卡刷卡支付，可享受交易金额高达10%的返现，每月最高可返现100美金。同时，所有中信百度金融联名卡的用户均可享有高达1000元的航班延误保障、商户刷卡优惠等丰厚权益。 用户可在百度钱包APP中“办信用卡”功能一键申请“中信百度金融联名卡” 用户可在百度钱包APP中“办信用卡”功能一键申请“中信百度金融联名卡” 此次百度金融与中信银行信用卡中心合作发行联名卡，将基于百度金融的互联网大数据优势，共同搭建数据评估和风控模型，实现具有互联网特色的在线申请、审批流程，触达活跃于互联网消费的年轻一代，为其提供便捷、实惠的全新消费模式。同时，双方将通过在业务资源、消费场景、产品功能等各方面的优势互补，为用户提供多元的丰富权益，满足年轻用户的新兴金融需求。 据悉，早在2015年6月，中信银行就与百度签署了全平台战略合作协议，双方将建立起基于联名信用卡、新型电子商务平台、大数据、云计算、金融支付等领域在内的全面战略合作关系，此次联名卡的推出，则是双方的持续创新合作。业内人士指出，百度金融与中信银行的的强强合作将为用户提供更加便捷、更加定制化的金融服务，真正实现传统商业银行与金融科技的优势互补、资源共享，打造创新的金融模式。 中国证券网讯（记者 周鹏峰）继多家国内巨头斥资收购海外险企后，10月24日，中国泛海宣布拟斥资约27亿美元收购在纽交所上市的美国大型综合金融保险集团Genworth金融集团全部已发行股份。Genworth金融集团是美国最大的长期护理保险公司，并经营寿险和年金业务；同时，也是全美最主要的住房按揭保险公司之一，位列美国财富500强,在福布斯全球保险业排名第77位。 在此次收购中，除了现金收购股份外，中国泛海还承诺在债务到期或到期前向Genworth金融集团注资6亿美元以偿还其在2018年到期的债务，并将5.25亿美元现金注入美国寿险业务。与此相对应，Genworth金融集团也已承诺将1.75亿美元现金注入美国寿险业务。 在交易完成之后，Genworth金融集团将成为中国泛海的全资子公司，其高级管理团队将继续在位于弗吉尼亚州里士满的公司总部管理业务。 Genworth金融集团计划维持其现有的业务组合，包括澳大利亚和加拿大的住房按揭保险业务，公司的日常业务经营将不会因为本次交易而改变。 据了解，此次交易已获双方公司董事会的批准，预计将于2017年中期成交。但交易还有待Genworth金融集团取得所需的股东批准以及监管批准。 根据Genworth金融集团公布的数据，截止日，Genworth金融集团的总资产为1082亿美元，其中可投资资产总额为776亿美元；净资产为170亿美元，较2015年底上涨16%；2016年上半年共实现税后净利润3.28亿美元。 互联网金融合规两路径：信用贷与消费贷 日 09:58 来源：中国证券报 作者：殷鹏 0人参与 0评论 互联网金融合规两路径：信用贷与消费贷 银监会等四部委日前公布的《网络借贷信息中介机构业务活动管理暂行办法》，引导网贷机构专注小额分散金融服务市场。业内认可的两种符合监管精神的业务分别是纯信用贷款及消费贷款。 信用借款是技术活 在深圳，主打纯消费贷互金平台较多。“个人信用贷款对数据化风控技术的要求相当高。”友金所CEO李昌国告诉中国证券报记者，由于背靠用友软件[0.17% 资金 研报]这位大股东，友金所的主要客群是使用用友财务软件、ERP软件的小微企业主客户、有房客户、有期缴3年以上寿险保单客户、有车客户等。 据他介绍，在资金来源方面，一部分来自平台的理财端，另一部分则与银行合作。友金所负责批量化获客，进行借前调查、借中审查、借后管理。平台审核通过后，系统自动对接到银行，银行根据本身风控政策快速审批通过后发放贷款。 由“普惠金融公司”更名而来的“凡普金科”首席执行官董祺表示，旗下钱站与凡普信贷均为纯信用贷款，钱站，可在线上移动端完成信用评估、借款分期等服务的需求；凡普信贷则提供定制化的小微借款信息服务，结合线下覆盖全国的营业部，形成多维度的信用借款生态闭环。 李昌国表示，通过来自央行征信系统、社保、学历、工商、房贷、车贷、网络社交行为、软件、企业财务方面等数据，并对此进行分析建模，建立起的风控模型作为是否放款给借款人的重要标准。基于数据的风控模式再结合其他维度，找出符合借款要求的个人，实现放款。这个数据风控模型解决了过高人力成本的问题。 董祺称，其在借贷信息服务业务线上的风控系统能对用户进行识别，一旦发现有过多负面标签时，将启动反欺诈决策引擎；同时，可在贷后实时更新借款人数据动态，进行不良状态预警。未来，将在催收机器人[0.71% 资金 研报]、识别欺诈团伙方面发力。 消费金融紧盯服务 今年以来很多互金平台看好消费金融业务，该领域的竞争日趋激烈，一些平台开始推出消费金融的升级版，大家侧重点不约而同地盯准服务性消费。业内人士指出，这样做可以避开巨头的电商流量优势。 例如，“凡普金科”旗下的“任买”通过无缝融入消费场景，在医美、婚庆、旅游、教育、健身、母婴服务、汽车后服务等行业，为年轻人提供更简单、高效的分期消费服务。而理财范的“消费金融Plus”则瞄准旅游金融，汽车金融和教育金融。
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