The Micro Loan Department of Baoshang Bank Ningbo Branch specializes in loans to small and medium-sized enterprises. The amount ranges from 10,000 to 3 million. The interest rate is generally 1.4 cents. This interest rate is very high in Ningbo. Many enterprises As soon as the boss heard about this interest rate, he left immediately. It was very difficult to get a loan.

The job of the loan officer in the micro-loan department of Baoshang Bank Ningbo Branch is to find customers for loans. Their training period is 3 months, and they are required to complete 6 transactions before they can become regular employees. The benefits from Baoshang Bank Ningbo Branch are: 1,200 during the training period, and all the subsidies (including transportation, communications, meal allowances) and salary after becoming a full-time employee add up to almost 4,000. The rest is your commission on the loan, and each The pen costs two to three hundred yuan. It sounds okay, but what is the actual situation?

Let’s talk about the training period first.

You were dispatched during the training period, and your salary was only 1,500 yuan. After deducting social security, you got 1,200 yuan. Yes, it’s only 1,200 yuan. During this period, you will have to pay for your phone bills, transportation expenses, and meals when you go out to market. Unless you don’t need to rent a house in Ningbo, you will basically have to pay for it in one month. Therefore, if you want to be a loan officer in the micro-loan department of Baoshang Bank, you must first have enough savings to last three months. The training period is three months. In the first month, you will be taught the basic knowledge of loan analysis. The remaining two months will be to find customers for loans. This means that you actually have to complete 6 transactions within 2 months.

The first step in making a loan is to find a customer, which basically involves making phone calls, going out to the streets, and sweeping factories. Since the phone bill is not reimbursed, calls can only be made in the office. There are usually only two or three phones in each group in the office, but there are seven or eight people, so if you want to call, you have to rush to call. If you don't get it, there will be nothing to do. If the boss sees it, he will say that you are not active, so you can only Go out to the market, rain or shine. It's okay to sweep the streets in the market, because there are many shops on the street. If this doesn't work, just ask the next one, as long as you are not afraid of getting tired. If you go to clean factories, it will be miserable, because many companies are not gathered together (the old loan officers in the industrial area who are gathered together have visited at least 3 times), you have to run around to find them, and you can find 10 in one afternoon. It would be great to promote the loans, and you may only be able to meet the bosses of four or five of these 10 companies. Making phone calls in the office is not a bad idea. Customer phone information is pulled from the Internet. The senior loan officers in each district have basically completed the calls, many of them have been made several times. Customers can basically do everything on these calls. After you did it, the only thing left was to call several times to get the loan repaid, and many business owners started to scold you as soon as they answered the phone and heard that you were from Baoshang Bank, saying how Baoshang Bank always harassed people. In this way, if you are lucky, you can find interested customers in a week or two. If you are unlucky, it is normal to not have any for a month.

Once you find a customer, can you do it? No, it depends on the customer's conditions. Do you have a lot of personal assets, do you have a house and a car, is the purpose of the loan reasonable, is your credit record good, do you have a lot of other foreign debts, family, marriage... these must be considered, and you can go to the field if there are no problems. investigation. The field investigation is very detailed, asking questions about sales, costs, profits, bank deposits, food and drink expenses, personal grievances and grudges... Many, many loans are not taken to this step, because such details are almost always No customer is impatient, and those who are even slightly impatient will say that they can’t lend money. If it’s too annoying, you can only go back depressed. After investigating the customer with earnest words and coaxing, he came back and asked the leader to review it.

The review is mainly a loan review committee, consisting of one or two senior loan officers or leaders. For loan officers in the training period, this loan review will be more difficult than for customers. In name, they are helping you control risks, but in fact they are just picking on you, and they are very reasonable and strong, saying that they are strictly demanding you. You go and work hard to investigate for several days, and they can deny you in one sentence, but you still can't tell, and the more you argue, the more stringent the criticism becomes. If they target you, you will be in trouble, and they will "help" you carefully and meticulously. Some trainees are unlucky like this. After investigating a loan for half a day, the loan review meeting was able to "help" for three days.

Find the customer, do research, and then the loan review committee will review it. After this, if the loan is approved, is it over? no.

Once the loan is approved, whether the customer wants it or not is another matter. During the approval process, many customers realize that the interest rate is too high, or they have obtained the money from other channels, so they don’t want it, even if they insist on not wanting it. You can only find new customers in frustration.

Is it the end of the world once the customer asks for a loan? Neither. Once the customer loan is obtained, it is repaid in one go. If a customer fails to repay the loan on time every month, even by one day, it is overdue. If it is overdue, you will be deducted 5 yuan a day. If it is overdue for a long time, you have to stop all work and go to collect the payment.

Your loan will not be finished until you have overcome these. During the training period, you must go through this process at least 6 times. Of course, this depends on your luck. Many people die in the first step and have no customers. The micro-loan department of Baoshang Bank Ningbo Branch now has three groups. The first group is responsible for the Ninghai area. It is relatively easy to find customers. More importantly, the people and leaders in the group will give you some customers, so this group Trainees can basically become regular employees. The second group is responsible for Ningbo urban area, and the third group is responsible for Beilun, Cixi, Yuyao. The situation in these two groups is not good. It's hard to find customers, and the person who leads you doesn't have many customers for you. It's all up to you. Those assigned here will basically leave.

Loans are so difficult to obtain, why does the micro-loan department of Baoshang Bank Ningbo Branch recruit people almost every month? Their argument is that the business is constantly expanding, so people are constantly needed to come in. What is it actually? It's just that it's difficult to get a loan, so more people have to come in and work hard.

Think about it, a person earns 1,500 a month and 4,500 in three months. But even if you lend a loan of 100,000, you can bring a profit of 9,500 to the bank in a year. After paying your wages, you will still have some money left. 8,000 yuan, not to mention that you may do more in three months (if you don’t do much or do too slowly, you will be let go after one month), and the bank will make a sure profit without losing money. So they are trying their best to recruit people. But what they are clever about is that they are very eager for people to come in, but they seem to be very strict. They require a bachelor's degree, a written test, an interview, a week or two to wait for the results, a class exam, and the hope of becoming a full-time employee. In this way, those who stay to find customers for loans feel very honored, thinking that they are elites, have pursuits, and have bright prospects. They just let these cheap and high-quality labor work for their lives, like a black hole that squeezes your blood and sweat and slowly swallows you. When you didn't do enough and they told you to leave without expression, you woke up, but it was too late. Therefore, most of the people they recruit are fresh graduates, who are easy to fool, and there are basically very few people with work experience.

Besides, even if you are really lucky, what if you become a regular employee?

When you become a regular employee, you have to go through this process over and over again. What you pay is totally worth what you get. Many female loan officers who have become full-time employees have been exposed to wind and rain, their skin has become very bad, and they look obviously older than their actual age. To put it bluntly, is there any fundamental difference between what you do and what you do in insurance and credit card business?

So, having said all this, my conclusion is that the Micro Loan Department of Baoshang Bank Ningbo Branch is not a liar, but it is an exploiter. He takes advantage of the employment loopholes in the dispatch system, uses cheap labor, takes no risks, and makes sure profits without loss. My suggestion is that for people who want to find a job, you can find a lot of good jobs with your ideals, abilities and passion. Please don’t think about taking shortcuts and entering the employment black hole of Baoshang Bank’s micro-loan department!