The Practicum The Practicum
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為你的天使(投資者)度身訂製商業計劃書 Tailoring your business plans for your angels

視乎他們與接洽的投資者之間有多深入的認識,再提供對方有興趣的資料作為開始。

D = Dominic

F = Felix

 

D

你收到的商業計劃書會有很多不同模式你有沒有比較喜歡的某類格式,還是你覺得不依格式會比較好

 

When you receive a business plan, they may be of different formats.  Do you have any preferences, or do you prefer not to follow any format?

F

,計劃書有形形式式的各種有些比較正規和仔細20頁的商業計劃書;也有比較簡單的如一頁的摘要我認為這個主要視乎他們與接的投資者之間有多深入的認識再提供對方有興趣的資料作為開始

 

Yes, there are various business plan formats, some being formal and detailed, say a business proposal of 20 pages, while some being simple, like just a page of summary.  I think it mainly depends on how much they understand their investor’s background.  Then they provide the investor with information he’s interested as a starting point.

D

他們先了解對方的背景知道對方屬於甚麼類型的投資者,即他們有不同喜好

 

They should first understand their investor’s background, and check what type of the investor he is and his preferences.  Investors have different preferences.

F

還有現在計劃書的模式傾向簡單不會太過複雜或過分冗長因為投資者會接觸很多不同的商業計劃書,如果不希望他們覺得太悶甚至因而(提交的計劃書),遞交的計劃書有獨特的賣點以博取投資者的注意所以一開始應該只寫一兩頁較特別的賣點就已經足夠

 

Also nowadays a business plan tends to be simple, not too complicated or too long.  Investors may have read a lot of business plans.  If you do not want them to find your plan too boring, or even skip it, the proposal should have a unique selling point in order to capture the investors’ attention.  In this case, at the beginning it’s enough to write one or two pages of the special selling point.

D

所以一開始主要有幾頁具吸引力的內容比較好。

 

So it’d be better to have the first few pages of some appealing points.

F

沒錯

 

Right.

D

那你會建議根據某種格式寫嗎因為坊間有不少商業計劃書的範本

 

Would you suggest a business plan following some kind of format?  There are quite a lot of business plan templates in the community.

F

我覺得這是挺不錯的坊間的範本能為他們提供準則但是正如剛才提到每一位投資者閱讀的計劃書都很相似所以倘若有與別不同的地方就能提高投資者的興趣所以不一定要根據千篇一律的範本。不過有些元素我們一定要包含在內例如要解決的問題

相應的解決方案還有更重要的是解釋他們為何建議那個解決方案因為這才能展示計劃書出眾之處,與其他競者的分別。他們也要介紹自己的團隊投資者也重視他們(準備創業)的市場如市場覆蓋率有多大它的可擴張性另外有些創業者會忽略談及它們的風險和挑戰因為投資者會想清楚了解;第一知道他們會如何應對第二知道投資者可如何幫助他們,所以這幾點挺重要的。最後會提及財務預算但我們也明白這對初創企業來說是較困難的因此我作為投資者就未必會太著重於此有幾個較重要的數便足夠倘若創業者談及融資便要談談集資需要的款項能維持多久最重要提到objectives融資的目的是甚麼有沒有可量的目標這都會跟投資者談到,讓大家研究該如何合作

 

I think that’s a pretty good idea.  The templates provide them with some standards, but as mentioned before, every investor reads countless similar business plans.  If there are some special points, investors’ interest can be aroused.  Therefore, it’s not necessary to follow standard templates.  However, some elements must be included in the plan, for example, the problem domain and the corresponding solution.  More importantly, the team have to explain their proposed solution.  That is to show how their plan outperforms and differentiates from their rivals’.  They should also introduce their team.  Investors also pay attention to the market they want to do business, the market coverage and its elasticity.  Some start-ups fail to mention their risks and challenges.  Investors want to know first how the team can deal with the risks and challenges; second how the investors can help the team.  Those points are crucial.  Lastly they should talk about financial projection.  We understand that it may be a bit hard for start-ups, so, as an investor, I don’t focus much on this part.  That’s enough to have several key figures.  If start-ups talk about fund-raising, they should mention the amount they need and how long the funding can last them for.  It is also important to mention the objectives and quantifiable targets to the investors.  All these points will be discussed with the investors to see how they can work together.

D

我很同意創業者可能看過不同的計劃書範本所以你提到的要點都能涉獵,但是最後他們如何寫好商業計劃書,怎樣體現、怎樣應用,就要看他們本身的技巧。

 

I agree entrepreneurs may have read different templates of a business plan, so they should include all the key points you’ve mentioned.  How well they write or present the information, and how they are going to use their business plan depend on their own skills.

F

沒錯。

 

Right.

D

有時不是要完全跟著範本的次序。

 

Sometimes they don’t need to follow the templates.

F

對。

 

Yes.

D

但裡面的元素必定要齊全。

 

But all the essential elements should be included in the plan.

F

沒錯。我覺得也不一定要非常詳細,簡單概括就足夠,可能你會質疑那是否足夠,當然能說中要點就可以。更重要的是有助開展對話,能為投資者和創業者提供切入點是一件好事,能增加大家的溝通與了解的機會。

 

Right.  I don’t think the plan needs to be very detailed, but simple and concise.  You may wonder whether that’s enough.  The key to success is you have to get to the point, more importantly to establish a conversation, to link the investor and the entrepreneur, and to enhance the chance of mutual understanding and communication.

D

你希望收到的商業計劃書能有助開展對話,未必一定很仔細,最重要是能展開對話

 

You’d like to receive a business plan, not necessarily very detailed, but it can establish a conversation with you?

F

對。

 

Yes.

D

所以不一定要很仔細,確切內容會留待面談再討論。

 

So it’s not necessary to be detailed.  Details will be discussed at the meeting.

F

是的,有時候跟投資者一起閱讀計劃書時,我們會打趣笑說那些商業計劃書實在太完美,

見面時我不知道有甚麼問題可以問也不知道能討論甚麼當然那也不至於完美得讓人立刻承諾什麼。永遠是的—大家要理解投資的過程不會單靠一次討論

 

Yes.  Sometimes when I’m reading some business plans with other investors, we’ll say, like a joke, some plans are too perfect and we don’t know what we can ask or discuss with the team at the meeting.  Certainly that’s not as perfect as we can make the commitment at once.  That’s always true – we should understand the investment process is not decided based on a one-off discussion.

D

不會第一次看完計劃書就答允

 

You’ll not commit at once after reading.

F

所以不完美的計劃書不一定是壞事反而讓大家有討論的空間

 

Right, so imperfect plan is not necessarily bad.  By contrast, we can have room for discussion.

D

另一點我很同意很多時候他們的計劃過分樂觀會忽略了創業的風險和挑戰覺得那個計劃很完美

 

Another point I agree, most of the time their plan is over-optimistic and they overlook risks and challenges of start-ups.  They believe their plan is perfect.

F

真實情況確實如此還有在與投資者面談時不單單了解他的意向瞭解他的回饋意見如果投資者恰巧來自同一個行業他很了解該行業的發展或許他的意見會很寶貴

 

True, in reality that’s the case.  Also, at the meeting with the investor, the entrepreneur should not only understand the investor’s intention but also his feedback.  If the investor by chance comes from the same industry, he should understand very well the development of that industry.  His advice is precious.

 

Submit Date
2016-04-22
View Count
3527

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