Nearly 50% of the new blue-collar workers tend to spend money on the trillion-dollar market.

In recent years, the "new blue collar" has become the main force in the field of consumer finance. According to the iResearch report, blue-collar consumer finance has become a trillion-dollar market with great potential for future development.

It is understood that the so-called "new blue collar" means that compared with the traditional blue collar, the industry they are engaged in is gradually shifting to service majors, and they are more inclined to work in a way that combines physical strength with mental power. Their technical ability is relatively high, and their income and education level are higher than those of traditional blue-collar workers. In job hunting, they also prefer online recruitment platforms such as Jiji.com, including fitness coaches, junior programmers, real estate agents, senior beauty hairdressers and other occupations.

Recently, the reporter was concerned that Baidu, a credit service owned by Baidu, and Nanjing University Zijin Media Research Institute, Jiji.com and Qingyan think tank jointly released the "20 17 Investigation Report on New Blue-collar Education Consumption Behavior". According to the report, fitness coaches, real estate agents and beauty hairdressers in cities such as Beijing, Guangzhou and Shenzhen have entered the ranks of high salaries of 10,000 yuan. The monthly income of private fitness instructors in high-end clubs in first-tier cities can reach 20,000-50,000 yuan, and the highest monthly salary of real estate agents can exceed 20,000 yuan. The monthly income of beauty salons can exceed 10,000 yuan, and the monthly income of Chinese and western chefs is also close to 10,000 yuan.

The report shows that the post-1995 new blue-collar workers have greatly changed compared with the traditional blue-collar workers in terms of educational level, emphasis on skills training and advanced consumption concepts: the willingness of the new blue-collar workers to participate in vocational education is as high as 86.5%, and nearly 50% tend to pay tuition fees by stages.

Upgrading vocational skills, increasing employment opportunities and increasing income are the three main reasons why new blue-collar workers choose vocational education and training. Taking the cooking industry as an example, the average income of chefs who have participated in perfect training has increased by 66.7% compared with those who have not received any training.

However, the report found that more than 40% of the new blue-collar workers who did not attend the training stopped their vocational education because of the high tuition fees. 70% of the new blue-collar workers come from third-and fourth-tier cities, towns and rural areas, and their family economy is weak. Due to the lack of collateral, the credit record of the central bank is almost blank, and it is difficult to obtain credit support from traditional finance such as banks.

It is worth noting that the new financial service products, represented by Baidu Qianhua, combine the Internet with education finance to help new blue-collar workers lower the entrance threshold, and paying tuition fees in installments is accepted by more and more new blue-collar workers. Compared with the traditional education loan, education by stages has more advantages in examination and approval efficiency, loan speed, interest level and service accuracy, and it has won 83.2% support from the new blue-collar population. Among them, "low interest rate, easy application, no mortgage, quick approval and remote credit" have become the "five sharp tools" for the rapid popularization of education by stages, and the satisfaction of new blue-collar workers is over 40%.

Using finance to support young people's dreams and give them a different future is the original intention of Baidu to carry out financial services. Zhu Guang, senior vice president of Baidu, said, "Many netizens search for vocational education through Baidu, hoping to change their future life and destiny by learning a skill, but many people give up because of tuition fees. The original intention of our financial business is to help these students, so that they have the funds to complete their studies and give them a different future. "

Professor Zhao Shuguang, vice president of Zijin Media Research Institute of Nanjing University, said that compared with traditional finance, "Internet plus finance" has more technical and channel advantages in realizing inclusive finance's ideal. With the help of science and technology, we will serve more new blue-collar groups and help them get more educational opportunities.

In the future, the "new blue-collar workers" born mostly after 1995 will become one of the backbones of social development, and it will become more and more popular to participate in vocational education and pay tuition by installments. With the help of Baidu's phased education, participating in vocational education to achieve life goals will become more choices for the "new blue collar".