Is it good to be a credit industry? Make money?

First, is it good to be a credit industry and make money?

I have been in this business for five years. Let me talk about my understanding and feelings about this business.

The most frequently asked question is about income. There is no such thing as "arachis duranensis". Every line is the same. It is always the people in the head who make money. You said you worked hard for two hours every day to earn five hours. Is it possible? Absolutely impossible! I can only say that with the same efforts, the financial and IT industries are indeed more profitable than other traditional industries.

The average monthly salary of credit employees is about 7,000-15,000 (excluding those who just mix the basic salary, they usually work 8 hours a day in third-tier cities), but the working hours are obviously much longer. You know, code farmers spend endless overtime every day. Relatively speaking, loan officers are very free and have a lot of spare time. Of course, it is a technical job, which is equivalent to having food everywhere. Loan officer is a profession with serious knowledge fragmentation. Wherever you go, you can only say that you have experience, not technology.

Let's talk about the daily and specific income of loan officers later. I'll just talk about some things that this industry has brought me besides money.

Finance is a huge general branch, the general name of all industries dealing with "money", and credit is only a small branch. But many financial industries are interlinked. If you master this small branch, other knowledge will be scattered in the process of dealing with colleagues and customers, and you will be forced to absorb a lot of knowledge.

For example, if you do credit, you will definitely learn risk control, and then learn P2P, credit cards, credit information, pos machines, banks, interest spreads and so on. , too much; In the same way, you will also learn about private equity and funds, debt-to-equity swap, debt-to-equity swap market and so on.

So why do I sometimes encourage my unemployed friends at home to do finance, because besides relatively high income, this knowledge is also an intangible asset. Some people say, teacher, can't other industries learn a lot? Indeed, each line can learn very different things more or less. But in terms of knowledge, it is definitely not as extensive and practical as finance.

Because everyone can use this thing! Everyone has to manage money and get a loan, right?

Do you know how to get the best mortgage in the future? After this business, no one will be stupid enough to buy a house in full. Do you know how to manage your money relatively safely? (I won't always close my eyes and buy explosive P2P, but I will always screen it myself. I have been making life insurance loans for a long time (you will know that it is a second-hand product when sharing dividends). Do you need to do business all the time? You will also start to shape your qualifications reasonably now (you won't blindly apply to the bank, you will be rejected)

These are all brought to me by the credit industry, not just income.

Second, is the loan sales industry easy to do? How many points?

No industry is easy to do now, and loan sales are not easy. If you want to make money or make achievements, you need to persist and study hard. The sales industry needs diligence, analysis of customer needs and professional luck. After all, high-quality customers are not always available. As long as you can persist, you will generally get something. As for the commission, each company has its own system, but as long as the platform is good and the performance is good, no matter the commission level, it will make money. After all, platform is more important than commission. The platform is not good, the commission is high, and there is no performance and no money.

Third, is the loan industry easy to do?

Of course it's hard to do. It's too tiring.

First, in terms of loan types, it is generally appropriate to gradually upgrade from small to large. You can apply for a working capital loan from the bank through effective procedures such as pledge, mortgage or third-party guarantee, and then apply for a project loan after you have certain strength.

Second, in terms of loan amount, since the general economy of individual operators is not very rich, they should do what they can to avoid large investment.

Thirdly, in terms of loan interest rate, according to the relevant regulations of the People's Bank of China, commercial banks and urban and rural credit cooperatives can raise the loan interest rate of individual operators within 30%. However, the floating interest rates of banks and credit cooperatives are not consistent, so when applying for loans, you can' shop around' and try to choose financial institutions with small floating interest rates to lend.

4. In terms of loan term, the current short-term loans are divided into two interest rate classes: within 6 months (including 6 months) and 6~ 12 months (including 1 year). For short-term loans with a term of less than 1 year, the contract interest rate shall be implemented, and interest shall not be calculated in installments; Medium and long-term loans are divided into three grades: 1~3 years, 3~5 years and more than 5 years. Interest is calculated in stages for medium and long-term loans. When the loan interest rate is adjusted, the new interest rate of the same loan in the same period will be implemented in June of the following year 1.

Fourth, is the loan industry selling well?

It's hard to die young.