Second, from 2008 to now, the number of brokerage business departments in China has basically doubled, and the number of key areas in some key cities has even tripled. For example, in Jiangbei District of Chongqing, there were two or three before 2008. Now, if you count the relocated and newly opened businesses, there are 13 brokers near Jiangbei District. The intensification of competition makes the talent flow in the securities industry very frequent, basically changing a group of people every three months to six months. Our company used to find about one or two hundred intensive trainings before each qualification examination, but in the end, there were about eighty or ninety people who could last for more than half a year, which was basically one in ten. This pass rate is higher than the college entrance examination and no less than some civil service position examinations. Moreover, relatives and friends who just entered the company basically came in to open accounts. Because most people live in this industry for a short time, with few customers and few assets, many people basically get less commission every month. Of course there are exceptions. Some people may get high salaries, but those people are only a small part, maybe less than one tenth.
Third, talk about the working environment. Many people have the impression that securities companies are in high-end office buildings with elegant working environment. In fact, it is, but it is not. There is an elegant environment, but only some people can enjoy it. If you are an account manager, you basically have no chance to enjoy it. The job of the account manager is to open an account, which is basically marketing. Now the bank is the main channel for securities companies. You basically have little time to enjoy air conditioning in the company, and you can only stay in the bank for exhibitions most of the time. Maybe you will say that the bank environment is also good, then you are wrong. At that time, you only saw the spacious and bright hall and the staff in suits and ties in the bank, but you didn't see the bitterness behind it. Working in a bank is like raising a child in someone else's house. On the one hand, you are the system manager of the company, on the other hand, you are the system manager of the bank. You are basically a lobby manager in the bank. Most of your work is to help banks, help customers fill out forms, get numbers, etc. Because you are basically standing in the lobby, you have little time to rest, and you have to try your best to please all kinds of people in the bank, especially the host. This is the beginning. At present, some banks attach great importance to the management of the three parties and often assign tasks to resident account managers, such as funds, credit cards and online banking. You have basically become a bank employee, so here you have both work pressure, pressure from your own company and pressure from the bank. Some even formulated relevant systems to manage and restrain account managers, such as China Merchants Bank, which not only stipulated the daily workload, but also stipulated the daily exhibition positions. For example, it is stipulated that you can only stand next to the number machine every day to help customers get the number. The only contact with customers is the few minutes when they get the number. If you want to leave here and talk to customers in other places, I'm sorry, you broke the rules. This is basically the job in the bank.
If you want to open an account, you have to go outside, just like salesmen in other industries. The only difference is that you are wearing a suit and tie to squeeze the bus, even in summer. This is the working environment you want.
Fourth, talk about work. Account managers basically open accounts, that is, marketing and retail marketing. As for why, account managers who have been securities for two or three years all know. Every month, the company requires an account opening amount or output. For Chongqing, it is basically about 5 accounts per month. I don't know how touched you are. Anyway, the market of 10 years can't be finished by ordinary people. 2009 is relatively better, but the task in 2009 is 12 accounts per month. As for stress, you can measure it yourself.
At the same time, I also want to tell you that financial securities companies should always be prepared for meetings. Marketing meetings, departmental meetings and regional meetings are basically held every week. Company staff meetings are held at least once a month, and different compliance training and business training are held only once a week. Every time the company wants to launch new business, sell new funds and download new sales tasks, there will be meetings. My former company held meetings at least four days a week, and each meeting was basically no less than two hours.
Some people may tell you that securities companies are very laid-back and have so many holidays, but I tell you that this is not the case. I have just entered the securities industry for two years, and I basically work overtime on weekends. Some people may not know what kind of securities companies add. I tell you, we just go to the pedestrian street, set up stalls in the community and distribute leaflets, which is no different from those who wear shoes and distribute leaflets on the street. The only difference is that we wear suits. Maybe I don't have too many customer resources. After graduating from college, I entered the securities industry and worked in a strange city. I have no relatives or friends. At first, that's how I developed my clients. If you graduated from college like me, I think it may be more difficult for you to do securities now than I did then. After all, the competition is fierce. I only remember that in the summer of 2009, I didn't have a day off in September, and I worked overtime all the time. In 2009 1 month, shortly after the company was established, we often stood at the gate of Yonghui Supermarket, about one kilometer away from the company, handing out leaflets, because only the gate of the supermarket was crowded on that cold day.
Fifth, let's talk about the future development prospects. Many people think that the future development prospect of securities companies is very good and it is a hot industry. I won't comment on this view, because I can't predict the future, but I think it should be reminded that, as a famous saying in the securities industry says, I will always stand on the side of a few people. When everyone feels good, you should be calm and know that at least his good is not as good as everyone thinks. For example, from 1996 to 2003, when computers were selling like hot cakes, which computer salesman did you see become a millionaire? Even if there is, I believe the proportion is very small. Now, the account manager of securities is the salesman of securities.
6. Some people come to securities companies with a learning attitude, or they want to learn about stock trading. Others want some inside information about the stock market. What I want to tell these people is that you can't get any of this, at least you can't get what you want. Many new employees I have met join the securities company just to learn how to stock market. Perhaps this is because the hot market in 2007 popularized some financial knowledge to Chinese people.
First, let's talk about inside information. First of all, it is impossible to get inside information at the account manager level. Even the boss of the sales department and the boss of the brokerage business department may not have it. If those people know, it won't be called inside information.
Let's talk about people who want to learn stock trading first. Studying is a good thing, but studying in a securities company is not necessarily a wise choice. I let you in as a client, and all I gave you was skins, basic K-lines, moving averages and so on. I didn't go deep. Your level is basically a slightly professional investor level. In fact, there is no need to study in a securities company at all. The company's training on stock trading knowledge cannot exceed compliance training. Another point is to tell you a hidden rule. The management of securities companies will try their best to weaken the relationship between account managers and customers. Securities companies rely on customers to make money. Every time the account manager changes jobs, he will steal some customers. On the one hand, the management will try to ask you to have more families, on the other hand, it will try to reduce your contact with customers. This is the case with Guo Xin Securities. Basically do not maintain customers, all customers are handed over to the customer service center for maintenance. The relationship between the two companies has weakened and the ability to control customers has also weakened. If a customer wants to change accounts, what commission to talk about, give some small gifts, and some other obstacles, such as making an appointment on the first day and changing accounts the next day, your customers will basically stay. An important way for securities companies to weaken the company between account managers and customers is to prevent account managers from recommending stocks. Since stocks can't be recommended by yourself, there is naturally no reason to give you professional stock trading skills. .
I wrote so much unconsciously, let's summarize it briefly. If you are also a fresh graduate, look at the form first. The brokerage business department is nothing more than a salesman, or at least will start from a salesman. Everything depends on performance, and good business is the boss. Now any new names, such as financial manager and investment consultant, are deceptive. Don't be confused by other people's names. An investment consultant doesn't mean you're here to invest. . Ha ha. . The investment banking business and asset management business of securities firms, or the work of research institutes, may be better, at least you don't need to run around outside, but if you are only an undergraduate, forget it. The starting point of education there is a master's degree, and it must be a key university counterpart. One more thing to be clear is that what I said is only a description of the real securities industry in my eyes, and it does not fully represent the situation in all parts of the country. Maybe some people earn hundreds of thousands or millions a year in the securities industry, and have a house and a car for a year or two, but that's just one person, not the majority. Our company also has people who can open twenty or thirty households a month, but that's only one or two out of more than 100. Which one do you think you will be? If you hear all kinds of legends and myths in the securities industry, please think twice!
Okay, let's not talk about it. There are not many positive things in this article, but it seems that there are more negative ones. The purpose is just to show a real securities industry, eliminate some misunderstandings about the securities industry, and more importantly, remind college students like you who are about to enter the securities industry, hoping to help you.
I didn't expect to write so much. I will send it to Tianya, Cool Review and other websites together, hoping to help people like you.