What does it mean to work in securities for three months and three million yuan?

Unspoken rule 1: the basic salary is conditionally linked to the task. I told you 2500, I got 1248, just because you only finished 50% of the task; The high salary of the account manager is a mystery. Before you become an account manager, ask yourself, when you can't finish the task, take the Shenzhen minimum wage 1320, and deduct social security and housing provident fund, which is estimated to be more than 900. How long can you last? How long and how deep can you bear the bear in the stock market?

Unspoken rule 2: the minimum commission is 10%, but after going in, I found that I should have paid 1000 yuan. Just because you got 50 points in this month's assessment, you can only get 1, 000 * 0.50 = 500 yuan.

Unspoken Rule 3: What's even more secret is that you can't see how much commission income you have created and how it is calculated. There are many tricks in this. Because you don't have a customer management system, you can't see how much your customers have traded.

Unspoken Rule 4: A good salary system allows employees to figure out how much money they can get each month. If you enter a company whose salary system changes from time to time, you don't know what your salary should be ... The salary of a securities company is as changeable as the weather, and no one knows how much you will get tomorrow.

Rule 5: Don't listen to the myths of regional managers and sales directors, especially the red flag you set up. You must never think that it is your future. Only when you find someone to look at the pay slip will you know that you have done so much in a month of N years. Just this once, most of the time you can't complete the same tasks as migrant workers. As soon as a female college student who just graduated from a certain female classmate entered the company, she arranged to open an account in the best bank and spent 250 million yuan. Upon inquiry, the female employee has left her job. So-and-so is the business benchmark promoted by a securities company. After ten years of hard work, leaders often praise this person, just as the water of the Yangtze River keeps flowing, such as the Yellow River flooding out of control, and this employee has long been promoted and raised. When asked, the old employees are still at the gate of the bank. The task was not completed, and the man's salary continued to be miserable. After working for 65,438+00 years, what else can he do? How hard does he work? . . Another example: an account manager becomes a fund manager, and an account manager becomes the boss of the sales department of a securities company. It is always so general that it is impossible to elaborate ... Of course, this is the case. We can see that there are indeed many fund managers in China who have worked as securities brokers in the United States or Hong Kong before, but the system in overseas places is different from ours. Although translated, they are all called account managers, sales managers and brokers, but they are different in nature. I think it's a businessman in China or something. It is said that the domestic fund industry is in a blowout period, and there is a great demand for employees with overseas backgrounds, and the market has created greater opportunities. What kind of turtle are you? At present, some people just transition, turnover, and get some established positions through relationships.

Unspoken Rule 6: The company says that you can achieve1100,000 assets with a basic salary of 2,900, and achieve/kloc-0,000,000 assets with a basic salary of 5,500. In fact, when you really achieve so many assets, your task will always rise. You can't finish the task. Maybe your previous monthly task was to increase the assets of/kloc-0.00 million, but when you upgrade, you need to increase the assets of/kloc-0.5 million or 2 million every month. Although you should get a basic salary of 2900 or 5500 according to your level, you only get a basic salary of 1.500, just because you didn't complete the task.

Unspoken Rule 7: The tasks of resident account managers of securities companies and banks are the same, but the quality of banks is different. Some banks are black land and have high productivity. Some banks are saline-alkali land, which may not produce high yield every day. Some banks are red land and generally don't open, but once they open well, the task of a level account manager is the same, and others won't open good outlets, so you are new here.

Unspoken Rule 8: Regular employees in the sales department of securities companies have very good treatment and benefits. Many account managers hope to become full-time employees in the sales department one day, instead of the channel employees who formally pull business. However, full-time employees in the sales department have certain backgrounds and relationships, and the interpersonal relationship in the sales department is also complicated, which is not something that a poor person can do.

Unspoken Rule 9: The assessment of securities companies changes with the market, the weather and the leaders. It is said that once every emperor has a courtier, it will never change with you, nor will it change because a large number of people leave.

Unspoken Rule 10: From the new account manager to the old account manager who has worked for three to five years, all the assessments will increase with the increase of time, and will only increase year by year, not less and less, and even less likely to remain unchanged. That's what you look like when you first entered the company. No matter whether your performance is good or not, the tasks of the company will only get more and more year by year. This is an iron law. In securities companies, change is the only constant, and nothing is static. Who can assure you that our company's system 10 has not changed, and the assessment is easy, so you should be careful. You can't say that the system will change on that day. Don't make sugar-coated shells, believe me.

Unspoken rules 1 1: If you survive all the storms, the bull-bear exchange in the market, the reform of the company system, the change of leadership, and the entry and exit of hundreds of people, you will be one of the remaining three or five people, and finally you will become the only person admitted to Peking University Tsinghua in our county, our city or our province. Congratulations, you are really a talent. I remind you that if you have the opportunity to change jobs, I hope you can seize the opportunity. Don't be reluctant to part with the customers and assets accumulated in three or five years. Changing jobs is your only way out. If you don't turn around, you will die. Although you have accumulated a lot of customers and assets, none of them are yours. The company won't evaluate you because you have accumulated more. Instead, I think that you are really a talent and should do more tasks than others, because you have experience and customer resources. No one has ten years of passion and luck to complete the endless tasks and assessment of securities firms, and it is getting heavier and heavier. Moreover, the market is not the original market (I have a colleague who is lucky enough to be assigned to a first-class branch as soon as he enters the company, and thousands of people do business every day. I have worked as an account manager for six years and accumulated more than 200 million assets. Two years ago, the company leaders talked to him and hoped that he would become a regional manager. At that time, this colleague felt good. Reluctant to part with my hard-earned customers and assets, I declined the kindness of the leader, so I was replaced by a person who had just arrived in the company for less than a year and called to be a regional manager. Now the market is so bleak that 90% of the account managers can't finish the task, and his salary is around 10 thousand. In good times, there are tens of thousands or hundreds of thousands a month, but a six-year old customer manager of our company took it last month. I got 4900 this month. I remember him telling me more than once that he regretted it. To make matters worse, the company leaders talked to him and asked him to either make a performance of10 million or leave his job in the last two months of this year, because he had not completed the assessment task required by the company for two consecutive quarters. ) this comrade survived three layoffs and two leadership changes in our company, but he didn't expect to survive the fourth time soon. . . . Being an account manager at this stage is unlikely to have a future. The only tomorrow is constant examination until you quit and new college students come to your class. . . . . . Account managers have reached a certain level. If they want to stay in this industry, they should either go up to be managers, or transform into brokers, or develop private placements. Otherwise, leave this post as soon as possible, which will delay your future. A person doesn't have much youth to kill. How many twenties are there in a person's life? Ten years after coming out of school is the most precious and youthful decade. Do you want to prepare yourself for the future? If you have to leave after three to five years, you will find yourself old and incompetent. Where can you find a job?

Unspoken rules 12: in a securities company, the account manager is the lowest position, just like the lowest migrant worker in the decoration team, except that you are a migrant worker with education and ideas and a migrant worker in the financial industry, but your income is sometimes not as good as that of migrant workers. Now working in a construction site in Shenzhen, the income of 100 yuan a day is quite a lot, but when I first entered, it was not that much on average. The brokerage practitioners whose annual salary you see in online newspapers and periodicals is hundreds of thousands or millions, that's not you, that's the executives, and you are the brokerage practitioners whose salary is increased because of the average salary of the executives. For example, a sales department's monthly profit 1 10,000, how to divide this 1 10,000? First of all, we should get rid of all the expenses of the business department. If the operating expenses of the sales department, such as rent, plus the * * * paid to the head office is 700,000, the remaining 300,000 will be shared equally by all employees of the sales department. If the sales department has 30 employees, regular employees 15 and account managers 15, everyone thinks that one person can get 10 thousand. Wrong, can the boss of the sales department get the same salary as you? Can the salary of the vice president of the battalion, the financial director of the sales department, the sales department and other personnel, plus the regional manager be the same as yours? Besides, the sales department still needs to keep the year-end bonus to be issued at the end of the year, so think about it, how much can it leave for the account manager? . . . .

Unspoken rule 13: Now all securities companies are engaged in investment business in full swing. Account managers should be careful of their customers. The company is doing hidden activities under the banner of serving customers and increasing commissions. The account manager worked hard to pull the customer back in the front line, signed investment services when he had some assets, and served small customers when he had no money, which cut off the adhesion between the account manager and his own customers. Account managers jump ship, and customers who don't serve are hard to take away. One of my clients, whose assets are only100000, got a call from our company and said that if he had anything to do with a client in the future, he would be called. He is the investment adviser of this client. My client asked, where is my account manager? The investment adviser replied: Your account manager is too busy to take care of you. The client called me and said he was shocked and didn't think I did it. . . . I can't elaborate on these, so I won't let go of a customer with only100000. I can imagine customers with higher assets. If a client opens a stock account, she wants to make money. Can an investment consultant make her money? Not necessarily. Investment consultants just integrate some information and push the company's services to customers. I think most account managers can do this kind of service. You said that most account managers can't buy stocks for customers. Can an investment consultant do it? I don't think so. Investment consultants call customers to increase commissions and buy wealth management products, which has nothing to do with the account manager who developed this customer. Investment consultants have.

Hidden rule 14: There are people with high incomes in all walks of life, but they are definitely not ordinary employees. If you are just an ordinary account manager in a securities company, it is impossible to have a salary higher than the market average, even if it is high. It is short-lived, temporary, and will not deviate too far. It will definitely return to the market average. Dear account managers, you can type out all the details of your salary and income since you joined the securities company as an account manager in the bank, add them up and average them. Compare the local average salary and refer to the website of the Social Security Bureau. It's already a very low average. The Statistical Bulletin of National Economic and Social Development of Shenzhen 20 10 issued by Shenzhen Municipal Bureau of Statistics announced that the average annual salary of employees in this city in 20 10 was 50,456 yuan (converted into an average monthly salary of 4,205 yuan). I calculated that among the 22 account managers who worked in the same sales department for two or three years in our company, three surpassed Shenzhen last year. Four of them are close to last year's average level, and the rest 15 are less than half of last year's average level, with a monthly income of about 2000. This is only a small range of data. If you zoom in to the whole Shenzhen branch, it is estimated that the data will be even more ugly! ~

Unspoken rule 15: The securities industry is a highly educated industry. This is the beginning of recruiting key undergraduate students. It is difficult for people without this kind of education to develop professionally. To take a master's degree in professional direction. Only the account manager can graduate from junior high school, and it is ok to graduate without junior high school and high school, because the account manager is to attract customers, as long as you can pull business. On the contrary, even if you have a master's degree, you can't start a business. The company will not leave you. Once you come in, you must find a direction for yourself, whether it is marketing or professional. If you have a goal, you must work hard. You must not work for the sake of work, not only to make money, but also to make money. Doing business to attract customers requires marketing ability. If you feel miserable when doing marketing, if you find that you don't like it, you will stop it in real time. Never earn tens of thousands of dollars a month and say nothing at noon every day for your dreams and hobbies.

Parents also have to raise, right? You need to get married. You know a friend of China Merchants Securities. After graduating from college, I worked as a customer service center in the telephone banking center of China Merchants Bank, earning more than 4,000 yuan a month. He said he liked securities and wanted to challenge himself. I have worked as an account manager in China Merchants Securities and have been to ICBC several times. At noon, I saw him eating steamed bread and drinking boiled water in the lounge on the second floor and asked me where there was a cheap house to rent. I said there is a cheap house in Shuiwan, 650 a month. He said no, only 300 months. Finally, I found him a bed in Shenzhen University, persisted for half a year, and was finally expelled from the company. He went to Ping An Securities and was fired five months later. Another friend is better than him, occasionally earning tens of thousands of dollars a month, almost 30 years old. (This friend also has a classic line: Never look for a colleague, never look for a girl in business), say it. The most exaggerated thing is that I talked about it six times a year, and several times I got stuck when it came to talking about marriage. Actually, as a girl, I think I can understand some of their ideas. Although our friend is handsome, his income is too unstable. He has no house, no car and no fixed income. Last month, I took 1.4 million, and this month I took more than 1000. After all, most girls still like stability. The increase in expenses is certain, but his income is uncertain. If he really wants to increase his income by doing a job that doesn't suit him and makes him feel disgusted every morning, then he should learn a skill for those who don't want to do marketing and are not suitable for marketing. If he has a skill, he will rise to a certain level at a certain time, and it is only a matter of time before he earns tens of thousands of dollars. If he wants to do technology in the securities industry, he needs a little talent for being sensitive to numbers.

Unspoken rule 16: The account manager opens an account in the current month to add assets, which will not generate income. Even if there is income, it is after the account is opened, but when the customer opens an account, the company has already spent marketing expenses, such as effective customer reward and asset reward, which will be paid to you in the month when you add new customers. These are all paid by the company, but the income is uncertain, which has caused a strange phenomenon. Marketing does not generate income, but service generates income. In other industries, once something is sold to customers, enterprises will generate income immediately. Only the marketing of the securities industry does not generate income, but generates expenses and marketing expenses. This business structure and profit model are doomed. There is a big gap between the salary and income structure of the account manager and the new assets, and the gap between the stocks is small, because the customers' stocks are pulled back. To put it bluntly, you can only watch as much as the company wants. It is equivalent to the account manager selling the customer to the securities company, because as soon as you bring the customer back, the company has already given you some material rewards, but the company has not earned enough commission income from the customer.

Unspoken rules 17: Good news. In today's bleak market, the market hit a new low of 23 18. One of my colleagues added 5 million yuan in assets that month. When another colleague told me the good news, I was as envious as the colleague who told me the news. In just one month, everyone will know the scenery.

Unspoken rule 18: How many account managers envy investment and wish they could do it themselves? In fact, the investment consultant is just pulling business in another name. For those account managers who don't have certain resources and relationships, it is not recommended to do it. Even if you do, you can't complete the annual increase. The boss sees that you are not satisfied, which is why you left, and there are new performance requirements for investment. Some securities companies require an annual increase of100000, while others require an increase of 30-50 million. At the end of 2009, they met a friend, who jumped from Ping An Securities to Guangfa Securities as an investment consultant. During the interview, the boss of the sales department is definitely a talent. He personally interviewed and said that as long as you made assets of 6.5438+million, you would become a full member. This gentleman achieved 65438+ from the beginning of 2009 to the third quarter of 2000, and the new leader asked him to add 40 million assets. At this time, this gentleman didn't even add 20 million. After the new year, the boss of the sales department directly asked the gentleman to go to his office to resign. In fact, many people in the sales department added less than this Ren Jun, but the 4 million investment in the sales department did not go, leaving more than 654.38+million.

Unspoken Rule 19: The assessment of securities companies is the doorway and date. Some securities companies take one of the dates of 1-3 1 every month as the assessment date (my securities company takes the 25th of every month as the assessment date), and some securities companies take the daily average assets as the assessment date (if you open a customer with assets of 1 10,000 at the beginning of the month, ask the third-level account manager to add 6 effective accounts (accounting for 40%) every day. Add assets of 600,000 yuan (accounting for 50%) and wealth management products of 65,438+10,000 yuan (accounting for 10%) every month to complete the task, and the effective number of households will be rewarded to 50 yuan/household, 1 1 September. Effective households reward 350 yuan. The assets of 3.3 million in that month should have exceeded the task. Finally, I can get a basic salary of 2900. Plus, I should have a salary of 3,000 to 5,000, so I can afford it. Results When the salary was paid, the salary slip showed that the salary in September was 65,438 yuan +0.900 yuan. I'm speechless. I asked financial questions at the first time. Why is 90 yuan the only valid household? It turns out that there are indeed seven valid accounts, but not all of them give money. On the 25th of every month, customers put their assets into stock accounts, and the company will only give money. If a customer opens an account with you 1, he earns10 million from stock trading, but on the 25th, he sells the stock and the money is transferred away. For the company's assessment, the customer is a valid account, but he will not give it to you. Looking for financial theory: since it is an effective household, it is necessary to give money according to the company's 50 yuan/household standard, otherwise it is not an effective household. The financial officer replied: If you are not an effective family, how will you handle your task? Sweating profusely ! ! ! ! Of course, he transferred the money on the 25th, so you didn't complete the assessment task of the company that month. According to the company's assessment, the employee only completed 50% of the tasks and did not arrive at the post. So the basic salary is only 1.500 plus three or four hundred commission, which is * * * 1.900, which is reasonable! ! ! ! ! ! This assessment is only for the current month! ~ For some account managers whose assets can be upgraded, this assessment is only one of the conditions. When upgrading, the daily average should be evaluated. There are many such doorways, because the company is really speechless, so it is useless to ask. If you call the customer in advance and put the assets in the stock account on the 25th, and the customer transfers the assets afterwards, the company will think that you cheated the assessment and deducted 50 points, which is quite reasonable for no reason. ! ! What about a customer who has opened an account with assets of100000, as long as the 25th is not in the account! ! ! ! ! Actually said that the account manager cheated the assessment, who cheated who! ! ! ! ! So many kinds of assessment doorways will not be mentioned one by one, and colleagues can appreciate them in detail.

Rule 20: Don't think that you can take advantage by bringing some customers in. Even without the assessment of securities companies, an account manager or investment consultant who can't bring value to customers will eventually lose customers. It is normal for customers to change securities companies for two or three years. A customer bought with money will eventually be bought at a higher price. In the long run, after the commission war, the brokerage business will fall into a deeper and more hopeless commercial bribery war. Today you send a mobile phone with 100,000 assets, tomorrow I send a notebook with 100,000 assets, the car the day after tomorrow, and the house the day after tomorrow. . . . . .

Unspoken Rule 2 1: The account manager is actually just a subsidiary of the securities industry. The entry threshold is very low, and everyone who has applied for it knows! No need for high technology, high education and high ability. Those with certificates are directly employed, and those without certificates are trained. . , high-tech? Do you need any high technology to open an account? This is really interesting. Highly educated, look at the job advertisements and you will know that having customer resources is a priority and any restrictions can be relaxed; So high ability is always necessary, right Enough to close the business. Why do you need such a high ability? It is said that talent is the most expensive thing these days, so we should respect talent. Unfortunately, what you see is that the better you do, the stronger the company's assessment, and the time for you to leave is not far away. I feel that account managers are actually not as good as migrant workers! ! ~ migrant workers are concerned by the government, and account managers are concerned? Migrant workers have social concerns, does the account manager? The basic salary and income of migrant workers with certain skills are higher than that of account managers. How many account managers earn less than 1800, and many enterprises also provide food and accommodation? Even ordinary employees in enterprises, trade unions occasionally care about it. Does the account manager know? Due to the large number of enterprises, some enterprises have experienced labor shortage; But now, it is difficult for college students to find jobs, and college students are the actual source of employment for securities companies. The higher the unemployment rate of college students, the lower the labor cost of securities companies. For the operators of securities companies, there is no need to pay the account manager too high salary. Recruit a new college student to replace you 1000. Why should I give it to you?

Send thousands to send ten thousand. . . . Because no brokerage firm will think that the people at the bottom will be talents. . . . .

Unspoken Rule 22: There is only one way for an account manager. The high elimination rate and high liquidity of account managers are the inevitable choice for the profitability of the account manager model of securities firms. The requirement of increasing the number of customers and assets will lead to the annihilation of account managers in the case of continuous market downturn. Frequent work supervision and assessment also make account managers have no time and energy to expand other new businesses to make up for the lack of income. It has always been the dream of an account manager to live decently on commission for a long time. The only feasible way is to climb up in the brokerage system and step on the bodies of other newcomers, hoping to become the real self in the system one day. If this road doesn't work or you don't want to go, you have to become an independent broker or change careers altogether.

Unspoken Rule 23: China's financial market is different from the past, with more and more varieties and ways. Modern people need all-round financial services, and stock investment is just one of them. If your knowledge structure can't fully involve many financial fields such as deposits, stocks, futures, trust, insurance, etc. And you can't provide customers with all-round financial products, then when the stock market is in a downturn, there will be other flows of customer assets, but the flows are out of your control. Never think that the account you open in your hand will always be your customer, and your competitors are no longer just peers, but all financial channels where funds may flow. Account managers have no advantage in this respect. No one will actively teach you these things in time to help you improve. As a brokerage account opening machine, it is "a revolutionary brick, where you want to move." Who has time to train you with knowledge that has nothing to do with attracting customers to open accounts? ! Those who want to join a securities company can learn to make stocks and rely on their own efforts. . . .

Account managers in the securities industry are all engaged in "hidden rules". Only those born in it know that if you are a recent college graduate or are preparing to get married, have children and buy a house with a loan, please think carefully again. Do you need a job that you haven't eaten? Do you need a job that you earn this month and don't know how much you can get next month? As the interviewer told you, this is a job that can't be compared with other industries. Because you can't earn tens of thousands of dollars a month in an ordinary job, but you can't even earn 1000 a month in a high-cost place like Shenzhen (a female colleague wants to leave, and the regional manager asked me to persuade her, but I really couldn't talk because she once told me that she couldn't stand it. I told her, you just don't wait and see the system. I can only say that, but the regional manager is different. Oh, how much is it for you to work as a clerk in China Merchants Bank for a month? No big deal. Three or four thousand. You see, if we just grab a few million big customers, the salary will be seven or eight thousand. You see, it is impossible for a shop assistant to take so much. The outgoing female colleague said a classic line that I always remember. She said it wouldn't be like this if you were a clerk and got 900 yuan. Note: When you can't finish the task, your basic salary plus your commission didn't reach the first half of Shenzhen's minimum wage 1 100 yuan (now Shenzhen's minimum wage 1320), and the company paid it according to Shenzhen's minimum wage1/00 yuan for humanitarian reasons, because social security was deducted. I only got more than 5,000 yuan in one month, 1000 yuan in the other seven months, and more than 900 yuan in four months. My average monthly income in the company is only about 1800, which is less than 50% of the average monthly income in Shenzhen last year. At that time, the regional manager opened his mouth for a long time! ! Working as a waiter in Shenzhen earns about 2000 yuan, not to mention that our colleague has worked hard in college for four years! ) When applying for a job in the securities industry, you must pay attention to: No matter what the position of the other party is: account manager, financial consultant, investment manager, financial manager, investment consultant, investment assistant, analyst, analysis assistant, you should ask clearly when you go to the interview whether you want to do business, how much you want to do and how to assess it. What will happen if it is not finished? You should be clear-headed and don't be beaten by others as soon as you go. ~, it's best to ask the securities company if it can show the assessment and salary system of marketing personnel such as account managers. Now the competition is so fierce, what support does the securities company or sales department have for the marketing business? Now business competition is not your own ability, but the support of securities companies for marketing. If there is no support, I will give you that little money to attract customers. Believe me, brother, you will not only die miserably in this company, but also die quickly. Even if you die miserably, you will lose interest in the whole industry. Now we know that several universities have banned securities companies from recruiting people in their schools. I really don't know whose sorrow this is.