Tony is the executive director of an investment bank, a brokerage firm. Recently, I was mainly responsible for three ipo projects, averaging 200 days a year on the plane. Every day, I deal with the bosses of various listed companies and the CSRC. In the morning, I talked about a case of a listed company in Nanjing. In the afternoon, I had to fly to Shanghai to enter an enterprise and do my best. Sleep until one o'clock at the Sheraton Hotel arranged by the company at noon. It's time to check out. I'm still a little sleepy. After thinking about it, I can't break my lunch break. I'll call the front desk for another day at my own expense. The deluxe suite is 1600. Get up at two o'clock, pack up and leave. When waiting at the airport, there is a gap of half an hour. Tony doesn't like sitting in a chair in the waiting hall and waiting. He felt as noisy as a vegetable market. I went to Hermes airport and took a look at a new belt. It just so happens that this is a little old. I swiped my card. I'm not used to looking at the price when I buy these gadgets for a long time. Buy and change, just walk and calculate: this year, an ipo will land, and the departmental bonus will be about150 thousand. I took the lead. How are the following people divided?
Joecy is the head of a well-known public offering and collection department. He manages tens of billions of bond assets and is responsible for the income and risk control of the entire fund pool. Every day is to manage the daily inquiry of some cash coupons and review a series of instructions from his fund manager. Including off-site quotation, first-level bidding and offline depository. Let's take a look at the overnight shibor interest rate among banks in Shanghai to find out the recent prices of funds, primary, interest rate bonds, credit bonds, IRS, foreign exchange, precious metals and other varieties. Match some bonds with spread advantage. She has been under a lot of pressure recently. The current expected return of the cash pool may not reach 5% this year, which means that the bonus is greatly discounted. I just want to start a set of Xiangmihu villa, and I just took my parents over. The deposit has been paid. If the market is bad, you can only borrow some money.
Tina is a graduate student majoring in actuaries at the University of Hong Kong. Join AIA after graduation. Now I am still a quasi-actuary, studying hard every day, helping to evaluate the pricing standards and assumptions of insurance products, sorting out calculation logic, analyzing complicated algorithms and risk credit models, and ..... doing odd jobs to help my colleagues bring Starbucks on time. Tina has just joined the company for a year and has no right to speak. She is in charge of her own affairs every day and tries to avoid the company's intrigue. At the end of the year, I was also the least rewarded, earning only 600,000 yuan for the whole year. But she won't give up. She plans to wait for the actuary to come down, stick to it for a few more years, and drive away the boss who often bothers him. Her income should double. Tina is still planning to buy a house recently. Hong Kong is too expensive. She plans to buy a house in Shenzhen. Recently, she took a fancy to Futian's house, 900 square meters, more than 6 million. The down payment pressure is high, and it will take two years. House prices have been rising for the past two years. Or buy a smaller duplex first? Tina often thinks.
This is probably the most standard impression of finance. Traditionally, finance can be contaminated by diaosi, and those who engage in finance are highly educated and have resources. There are elites, but no undergraduates. There are countless international students who have worked as interns in JPMorgan Chase. What they say every day has three English words in one sentence. The most tender newcomer must have a water ghost as the first watch.
However, the people above don't fucking know human suffering!
What is the reality? This group of people who are labeled as financial industry standards account for less than 3%! Opening an account in the securities business department is also a financial industry, and it is also a financial industry to set up a credit card for free delivery of pos machines in subway stations. After graduation, thousands of rural children in Qian Qian resolutely entered the first-tier cities and chose finance. Every day, they try their best to wear a suit and tie and ask in nonstandard Mandarin: Brother, do you want to get a credit card?
Why not eat minced meat? Human suffering is the norm.
But the word finance seems to have magic. Countless people have high or low academic qualifications, and moths are pouring in. Why?
Because the financial industry makes money. Compared with the physical industry, this is a loophole in order. The influx of capital will bring a high premium, but after the capital business between big consortia is started, a huge amount of assets will flow around and always feed many people. The transaction in the secondary market is recognized as overvalued and out of touch with reality. In real life, money linked to productivity is only a number in the secondary market. The game between numbers can produce a lot of oil and water. When you sell a piece of pork, you can keep lard in one hand. What about those people carving a golden eagle weighing dozens of tons? No one cares if you leave a kilogram or two in your hand, even a reasonable commission is far more than that.
Investment banks are licensees, and any transaction, whether in the primary market or the secondary market, is a hard intermediary fee. In essence, it is no different from the aunt who sells vegetables in the vegetable market. This is all work. But adding the word finance is different. I can't stand that you are making dozens of tons of golden eagles.
Among these 3% people, finance is important for high education and resources, and those who fail to achieve it don't want to bring shame to themselves.
But how difficult is it to reach this 3%? Besides, this 3% is not the most profitable in the financial industry, but a very senior salesman at best. Under today's circumstances, financial institutions are giants with registered capital of tens of billions, often backed by state-owned assets. In the well-trained financial industry, based on the complete inequality between individuals and financial institutions, as a small employee, you can only be a harvested group.
In an entrepreneurial company, it may be difficult for the company, but * * * shares weal and woe with you, and the company won't treat you badly. But in the machine of large financial institutions, unless you climb to the top of the company, enjoy the company's system dividend and get rid of exploitation, it is leek. The average annual income of banks is 400,000-500,000, but the front-line employees have worked hard for 50,000-60,000, and the average number of outlets in first-tier cities may be 6.5438+10,000. In the bull market, brokers often get the year-end bonus for dozens of months, but how many salespeople get the basic salary of 3 thousand year after year.
Brother Cao Mang also works in finance and does not belong to the 3% population, so he looks at the problem from a different angle.
Let me talk about the difference from the 3% son of heaven.
There is also a saying in the industry, called: to do finance, you have to go to the wild.
Based on the premium industry of finance, there are still many opportunities for the financial groups of the rebellious class. Many people with insufficient education and no background overtake in corners and have financial freedom.
Based on the above, I will publish a series to detail how wild these people are.
Follow-up will be released after sorting out the topics.