What does a small and micro enterprise loan specialist do? Is it similar to buying insurance? ...

1. What does a small and micro enterprise loan specialist do? Is it similar to buying insurance, and you need it? ...

forehead

Second, what are the advantages and disadvantages of small and micro enterprises needing to pay five insurances to their employees?

Benefits of paying five insurances:

For the unit, handling five insurances and one fund for employees according to law can get preferential policies and financial support from the government, and it is easier to obtain bank financing and social financing, which can attract outstanding talents to join, which is very beneficial to promote the company's development.

Disadvantages of paying five risks:

1, small and micro enterprises hire full-time social security commissioners to pay social security, which undoubtedly increases operating costs;

2. Even if full-time commissioners are hired, most of them are ordinary commissioners with ordinary business ability and professional level. It is easy to see that social security issues are not handled in place.

3. The burden of social security payment is heavy, and the profit margin of small and micro enterprises is small, even losing money, which is unbearable.

4. Most small and micro enterprises produce seasonally, and the annual production cycle is 8 to 9 months. Most employees are simple workers with low wages, long working hours, high intensity, many job-hopping, high mobility and short on-the-job time.

Extension:

1. Small and micro enterprises can choose to pay social security to increase or decrease social security staff and apply for social security, and only need to pay relevant service fees, so they can save operating costs and reduce the operating burden of enterprises.

2. Remittance Social Security Company is equipped with a professional team of commissioners, which can properly solve various problems.

Third, what do bank clerks and loan specialists do?

What I saw on the Internet was this answer: 1. Business development needs. Since the transformation in 2009, all aspects of business have developed rapidly. However, microfinance started at 20 10, which is the focus of recent development, and it is sure to "recruit talents". Now the bank doesn't have that position, so the pressure is so great that overtime is common. Think for yourself, haha!

2. Responsibilities: Provide comprehensive credit services to individual industrial and commercial households and small and micro enterprises full-time, including direct marketing of loan products to target customers, on-site visits to customers, analysis of financial and non-financial data related to customers, and efforts to maintain and develop the relationship between customers and banks.

To put it simply, I want you to investigate customers and analyze the feasibility of the loan. Banks have many departments and businesses, so it is impossible for all employees to receive training. The major is wrong, but it doesn't affect your play in practical work.

It's okay. If you think you like this job and the qualifications are up to standard, give it a try. Wish you success!