3. Problems and Solutions

3.1 Industry Issues In traditional financial markets, it is difficult for retail investors (ordinary investors) to access private equity chips of excellent companies. This phenomenon has been around for a long time and is rooted in multiple structural barriers: Regulatory restrictions: Private equity investment is usually only open to "qualified investors", such as high-net-worth individuals or institutional investors, who need to meet strict asset or income standards to cope with high-risk investments. Regulators in various countries (such as the US SEC) protect retail investors from potential losses through such regulations and isolate them from the private equity market. High investment threshold: The minimum investment amount for private equity projects is often hundreds of thousands to millions of dollars, far beyond the financial capacity of ordinary retail investors, making these opportunities the exclusive domain of institutions and wealthy people. Information asymmetry: Detailed information on private equity projects is often not public, and only internal investors can obtain detailed data and analysis. Retail investors lack resources and channels to accurately evaluate the potential of projects. Lack of liquidity: Private equity chips are usually not traded before the project is listed or exited (such as IPO or acquisition), and the lock-up period can be as long as several years, while retail investors prefer more liquid investment tools, such as stocks or funds.

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