is also weird.
In the past few years, I have found that there is a trend of "reducing the tide" in the workplace.
No matter if you open Weibo , Zhihu , Douban, Maimai, or any forum where young people gather, you will be persuaded by a large number of dismissals and poured a basin of cold water.
Real estate dismissal, Internet dismissal, service industry dismissal... Among them, the loudest voice and the largest number of dismissals are probably finance... Is
really so miserable? Having been in the financial industry for more than ten years, although I have complained, struggled, and persuaded to quit, I never thought about it.
What about the people around me? Are they trying to persuade young people to turn them away, as shown on the Internet?
Image source: network
With this strong question, I started a month-long survey. The object of the investigation is the financial practitioners around me. There is only one question in the
survey:
"Now, would you suggest that fresh graduates join your own industry, company, or engage in your own work? Why?"
Of course, I still underestimated the difficulty of this survey. In the past month, I have received about 52 feedbacks by posting questions in the circle of friends, one-to-one targeted communication on WeChat, and inquiring from the colleagues and peers around me.
Excluding gags, sensitive and suspicious, and Tai Chi answers that are unwilling to face the question, there are 36 valid answers (I tried my best).
At the same time, for the diversity of the investigation, I also made full use of the advantages of my contacts for many years, and asked people from different types of work and different sub-industries to come and answer.
Image source: "Yako Soybean Field and Three Ex-Husbands"
Nevertheless, I must say that this is not an academic study, nor a research report, but a real, vivid, and somewhat subjective field investigation.
I hope that through it, I can provide more realistic reference information to freshmen and young people, instead of cold statistics and rabble Internet noise.
Well, even if it does not achieve such practical significance, at least let us financial migrant workers know ourselves and each other once, right?
First, let’s talk about the background of the 36 valid respondents:
is also weird. In the past few years, I have found that there is a trend of "reducing the tide" in the workplace. No matter if you open Weibo , Zhihu , Douban, Maimai, or any forum where young people gather, you will be persuaded by a large number of dismissals and poured a basin of cold water. Real estate dismissal, Internet dismissal, service industry dismissal... Among them, the loudest voice and the largest number of dismissals are probably finance... Is really so miserable? Having been in the financial industry for more than ten years, although I have complained, struggled, and persuaded to quit, I never thought about it. What about the people around me? Are they trying to persuade young people to turn them away, as shown on the Internet? Image source: network With this strong question, I started a month-long survey. The object of the investigation is the financial practitioners around me. There is only one question in the survey: "Now, would you suggest that fresh graduates join your own industry, company, or engage in your own work? Why?" Of course, I still underestimated the difficulty of this survey. In the past month, I have received about 52 feedbacks by posting questions in the circle of friends, one-to-one targeted communication on WeChat, and inquiring from the colleagues and peers around me. Excluding gags, sensitive and suspicious, and Tai Chi answers that are unwilling to face the question, there are 36 valid answers (I tried my best). Meanwhile, for the diversity of the survey,I also made full use of my network advantages over the years, and asked people from different types of work and different sub-industries to come and answer. Image source: "Yako Soybean Field and Three Ex-Husbands" Even so, I must say that this is not an academic study, nor a research report, but a real, vivid, and somewhat subjective field investigation. I hope that through it, I can provide more realistic reference information to freshmen and young people, instead of cold statistics and rabble Internet noise. Well, even if it does not achieve such practical significance, at least let us financial migrant workers know each other once, right? First, let's talk about the background of the 36 valid respondents: 6 of them are from the financial industry, and they are on-the-job financial migrant workers with a long or short experience.6 of them are from the financial industry, and they are on-the-job financial migrant workers with a long or short experience.
图源：《国家破产之日》
从子行业来看：
0人就职于银行
人就职于券商
人就职于基金相关公司
人就职于保险相关
体制内从业者3人（包括civil servants,事业单位）
PEVC投资机构从业者2人
信托从业者2人
互联网金融从业者1人
会计师事务所1人
期货从业者1人
（我真的薅遍了人）
从公司性质来看：
国企25人（果然金融行业的命是国家给的）
民企5人
外企3人
体制内3人
从工作职能来看：
人是老板（全部存在于民企）
8 people are engaged in front-end business: includes investment, banking research, investment banking, asset management, credit, sales, actuarial, trading, etc.
0 people are engaged in middle-office functions: includes operations, risk control, liquidation, compliance, hosting, etc.
people are engaged in Background business: includes human resources, general management, information technology, finance, etc.
Of course, the above classification standards are not very strict. Division of functions.
There are also some friends who have their own ideas on the identification of their pre-work, middle- and back-end, and they also refer to their own wishes for classification.
In the final analysis, the interviewee's portrait is only for reference. The most important thing is,We look at the real answers from these respondents.
Source: "I, get off work on time"
Here comes the answer:
, the first question: Do you recommend fresh graduates to join their own industry?
upload data first:
recommends 22 people , does not recommend 0 people , does not comment 4 people .
To be honest, this answer surprised me a bit. In the past few years of the financial industry's bonus period, when various defaults and thunderstorms broke out frequently, doing finance is obviously not an industry that can see benefits at a glance.
However, nearly two-thirds of the friends recommended fresh students to join the financial circle, and only 27% of the respondents expressed a clear attitude of persuading them to quit.
Whether or not their answers have obvious subjective experience, at least it shows that most financial migrant workers are still cautiously optimistic about the financial industry.
The industry has great potential for development, and personal abilities can be improved quickly; the high efficiency of making money is the reason for many people, just as many friends have mentioned:
"A thin dead camel is bigger than a horse".
Source: "The Shawshank Redemption"
Of course, the degree of optimism varies with industries, companies, and types of work. I have concluded that the following rules exist:
, the boss persuaded (3 The boss made the same choice)
,Friends who are slightly older (over 35 years old) have a higher percentage of persuasion, probably because many people have stepped on the 10-year financial bonus period, and they have really experienced the good of doing finance.
, to persuade to enter the sub-industries with a large number of people: mainly in large industries such as securities companies, funds, insurance, etc. First, these industries are relatively mature, and secondly, there are more choices in the industry.
, friends who do not express their opinions: 3 of the 4 people are from within the system. I asked them why, and the answers they gave were also within the system. I really can't give you any advice.
, sub-industries with a high number of dismissals: Banks, trusts, PEVC, Internet finance, accounting firms.
Source: Naoki Hansawa The era of thunderstorms has come.” (A senior executive of a trust company who has not yet experienced thunderstorms)
“Banks were ok a few years ago, at least they were comfortable, but now all indicators are KPI-based and require growth every year, including some bank leaders It is really hopeless to engage in PUA.” (middle level of a branch of a joint-stock bank)
“The financial industry is too impetuous, the competition is fierce, the work is involuted, and fresh graduates lack discernment and patience, and it is easy to choose the wrong path.”( A middle-level fund company)
"In recent years, even good projects in the past have faced the problem of exiting.After the investment boom faded, the logic of the industry and the company changed completely last year, especially for fresh graduates, it was really difficult. "(Basic staff of a PE organization)
Source: "We Can't Be Beasts"
, then the second question: "Do you recommend that fresh graduates join your own company? ”
Data first:
recommends 2 people , not 3 people , does not recommend people . It seems that everyone is much more pessimistic on this issue.
Among the people who recommend both the financial industry and their own company, except for the three company bosses, basically all work in the financial head organization, the so-called "three middle schools" Yihua" and "China Agricultural and Industrial Postal Savings" head office , etc. No wonder
, in the resource-oriented financial circle, everything looks at the head. In the head company, the industry status is high, and the promotion is fast, absolutely The salary is also higher. In addition, the high entry threshold and the bonus system that has been deferred year after year have also led to a relatively low rate of talent loss in these companies. People who have entered the financial circle, but do not recommend their own company, the reasons are also worth our reflection:
"The financial industry is good, but our company's platform is too small, and it is difficult to develop the business. I have worked here for three years and have not improved much.I want to leave. "(The grassroots level of a waist securities company)
" The company is greatly affected by the policy, although the current cash flow is not bad, but can not see the future, avoid stepping on the pit, it is recommended to join with caution. "(A senior executive of an Internet finance company)
" Our company is too convoluted, many people work overtime for the sake of overtime, and summarize for the sake of summarizing. "(A grassroots company of a futures company)
" I'm almost tired and vomiting blood. When the busy season comes, I can't go home for several weeks. I'm just exchanging my life for money. Good enough body, otherwise don't come. "(employee of a well-known accounting firm)
" What to say, as far as our bank's salary is concerned, it is really good for fresh graduates. "(A policy bank middle-level)
Therefore, to sum up, no matter how many reasons you can't bear to pull people into the pit, in the final analysis, these are the same:
The industry status is low, the development space is limited, the corporate culture is introverted, and the absolute salary is low 。
图源：《半泽直树》
，第三个问题：你是否建议应届生干你的工种？
先上数据：
建议人，不建议9人，不发表意见人.
Through these answers, I also found a rule:
Basically, everyone doesn't want to do what they do.I don't recommend anyone else doing anything.
Even if there are certain types of jobs with a halo in our eyes, when you ask the client, he will wave his hand and try to persuade him to quit.
I believe there is absolutely no hypocrisy here.
Of course, after removing the emotional factor, I can still roughly feel some of everyone's preference. , liquidation, investing The positive feedback can also be sustained for a position that relies on personal efforts to achieve success. Therefore, it is still very suitable for young people who have no background but have an academic background and are hard-working. That’s how I came here.” (Investment research post in a head securities company)
Source: "Weisheng"
"The secondary market is relatively fair. As long as you have the ability to trade, you can make money. Although the competition is fierce, it is worth working in it for a few years, even if you are eliminated." (A securities Company trading post)
"Operating in an insurance company, although the salary is not high, but the cost-effective work is quite high, basically no overtime, the pressure is basically controllable. For a married girl like me with a family, it is The best choice, but if you are a fresh graduate, do you still have to suffer for a few years?" (Operation post of an insurance company)
"The investment bank has a superficial aura, but it is too hard and tiring,Calculated, the price is not high. Young people are very shrewd now, and they won't work as hard as we used to. "(Investment Banking Post of a Securities Company)
" Selling in a bank is under too much pressure. Compared with other products, we sell things that are closely related to wealth. If the customer doesn't trust you, even if they buy the product you recommend, once the investment loses money, they will still be scolded. If the family is not bad young people, it is not worth doing this. "(financial manager of a branch of a commercial bank)
" Risk control was good in the past few years, but the workload has increased significantly in the past two years, and the fault tolerance rate is low. Weakened. I'm getting old and the path dependency can't be changed. If young people have other options, it is recommended not to do this. "(A bank has a risk control post)
Source: "Family Form"
Regarding persuasion, this is the most authentic and non-utilitarian answer given by 36 financial practitioners.
Generally speaking, both Not as pessimistic as rumored on the Internet, nor as optimistic as I think.
However, what is interesting is that these respondents are "optimistic" and "pessimistic" about their own industry. , the golden decade of the financial industry is gone forever, the industry is solidifying, the salary limit is a certainty, the competition is becoming more and more inward, the cost performance for young people is getting lower and lower, and it is becoming more and more unstable.
Optimist I do not deny this, but I still think that compared with other industries, the financial industry is still a fast-rising channel with high salaries.The attraction to young people cannot be ignored, and it is a relatively reliable choice.
Source: "One Day"
As for myself, as a person who has already received financial dividends and has established a firm foothold in the financial circle, I have no right to say whether to persuade fresh students to return.
Because these days are different, the job market has been involuntarily involuted to the point of disbelief. "Pinching the tip", "red ocean", "competition" and endless KPIs will all become the norm that a young financial migrant worker must face.
Our old fritters often laugh at themselves. If you apply for a job in the financial circle again now, you will probably be brushed off your resume.
But if I were to give a suggestion, I would still recommend young people (not just fresh students) to join the financial circle, but I must lower expectations.
Because no matter how you look at it, finance is the blood of the economy, and the demand for finance will always exist, and if there is demand, there will always be money to be made.
Therefore, at least in the next ten years, the status of finance will hardly be shaken, and its demand for manpower and development space will not be suddenly reduced.
Source: "Naoki Hansawa"
However, the inherent impression of "annual salary of one million and freedom of wealth" that has been in the ears of young people for a long time may need to be changed.
Times have changed.
Under the background of common prosperity, the salary difference between finance and other industries in the future will only shrink, and the variance will also decrease.
So,If you lower your expectations, just treat it as any industry that makes money with no effort, just adapt, feel, and accept it.
You will be able to share the fruits of the industry and gain your own experience and wealth in this industry that always gives people hope.
But if your goal is more than that, or you simply have a mine at home, maybe going to see poetry and distance will be a more valuable and meaningful choice.
Source: "The Man Who Can't Get Married"
Finally, I leave you with the same question:
Would you recommend fresh graduates to join their own industry, company, or work?
*All content of "Uncle Blanket" is a personal opinion, only for the purpose of exchanging personal ideas and sharing knowledge, and does not constitute any investment advice or reference. There are risks in the market and investment needs to be cautious. Readers are requested to make independent decisions based on their personal financial situation.
There are also some friends who have their own ideas on the identification of their pre-work, middle- and back-end, and they also refer to their own wishes for classification.
In the final analysis, the interviewee portraits are only for reference. The most important thing is that we need to look at the real answers of these interviewees.
Source: "I, get off work on time"
Here comes the answer:
, the first question: Do you recommend fresh graduates to join their own industry?
upload data first:
recommends 22 people , does not recommend 0 people , does not comment 4 people .
To be honest, this answer surprised me a bit. In the past few years of the financial industry's bonus period, when various defaults and thunderstorms broke out frequently, doing finance is obviously not an industry that can see benefits at a glance.
However, nearly two-thirds of the friends recommended fresh students to join the financial circle, and only 27% of the respondents expressed a clear attitude of persuading them to quit.
Whether or not their answers have obvious subjective experience, at least it shows that most financial migrant workers are still cautiously optimistic about the financial industry.
The industry has great potential for development, and personal abilities can be improved quickly; the high efficiency of making money is the reason for many people, just as many friends have mentioned:
"A thin dead camel is bigger than a horse".
Source: "The Shawshank Redemption"
Of course, the degree of optimism varies with industries, companies, and types of work. I have concluded that the following rules exist:
, the boss persuaded (3 The boss chooses by coincidence)
, friends who are slightly older (over 35 years old), the percentage of persuasion is higher, probably because many people have stepped on the 10-year financial bonus period, and they have really experienced the good of doing finance.
, to persuade to enter the sub-industries with a large number of people: mainly in large industries such as securities companies, funds, insurance, etc. First, these industries are relatively mature, and secondly, there are more choices in the industry.
, friends who do not express their opinions: 3 of the 4 people are from within the system. I asked them why, and the answers they gave were also within the system. I really can't give you any advice.
, sub-industries with a high number of dismissals: Banks, trusts, PEVC, Internet finance, accounting firms.
Source: Naoki Hansawa The era of thunderstorms has come."(A senior executive of a trust company that has not yet experienced a thunderstorm)
"The bank was okay in the past few years, at least it can be comfortable, but now all indicators are KPI-based, and they require growth every year, including some bank leaders engaging in PUA, which is really unsightly. to hope. "(Middle-level of a branch of a joint-stock bank)
"The financial industry is too impetuous, competition is fierce, work is involuted, and fresh graduates lack discernment and patience, and it is easy to choose the wrong path. "(Middle-level of a fund company)
" In recent years, even good projects in the past have faced the problem of exiting. After the investment boom faded, the logic of the industry and the company changed completely last year, especially for fresh graduates. "(Basic staff of a PE organization)
Source: "We Can't Be Beasts"
, then the second question: "Do you recommend that fresh graduates join your own company? ”
Data first:
recommends 2 people , not 3 people , does not recommend people . It seems that everyone is much more pessimistic on this issue.
Among the people who recommend both the financial industry and their own company, except for the three company bosses, basically all work in the financial head organization, the so-called "three middle schools" Yihua " and "China Agricultural and Industrial Postal Savings" head office and so on.No wonder
, in the resource-oriented financial circle, everything looks to the head. In the leading companies, the industry status is high, the promotion is fast, and the absolute salary is also higher. In addition, the high entry threshold and the bonus system that is deferred year after year also lead to a relatively low rate of talent loss in these companies.
Source: "Wulin Biography"
On the other hand, those who recommend young people to enter the financial circle, but do not recommend their own companies, the reasons are also worth reflecting on:
"The financial industry is good, but our company's platform is too small, and the development of the industry is too small. It’s tough, I’ve worked here for three years, and I haven’t improved much, so I want to leave.” (basic level of a waist securities company)
“The company is greatly affected by the policy. Although the current cash flow of is not bad, it cannot see the future. , to avoid stepping on the pit, it is recommended to join with caution." (Senior of an Internet finance company)
"Our company is too convoluted, many people work overtime to work overtime, and summarize for the sake of summarizing. After working here for a few years, meetings are held, which is a waste of time. "(A grassroots company of a futures company)
" I'm almost tired and vomiting blood. When the busy season comes, I can't go home for several weeks. I'm just exchanging my life for money. If you are in good health, don’t come here.” (employee of a well-known accounting firm)
“What can I say, the salary of our bank is really good for fresh graduates."(A policy bank middle-level)
Therefore, to sum up, no matter how many reasons you can't bear to pull people into the pit, in the final analysis, these are the same:
The industry status is low, the development space is limited, the corporate culture is introverted, and the absolute salary is low 。
图源：《半泽直树》
，第三个问题：你是否建议应届生干你的工种？
先上数据：
建议人，不建议9人，不发表意见人.
Through these answers, I also found a rule:
Basically, everyone does not want to do what they do, and do not recommend others to do. At times, he will wave his hand and try to persuade him to quit.
I believe that there is absolutely no hypocrisy here.
Of course, after removing the emotional factor, I can still roughly touch some of everyone's preference. Investment research, trading, compliance The reason mentioned is still very valuable for reference:
"The entry threshold for investment research positions is relatively high, and many unreliable people are screened out.In my opinion, this is the easiest position to achieve through personal efforts, and the positive feedback can be sustained. Therefore, it is still very suitable for young people with no background but with education and hard work. That's how I came here. "(Investment research post of a top securities company)
Source: "Weisheng"
"The secondary market is relatively fair, as long as you have the ability to trade, you can make money, although the competition is fierce, but you have worked in it for a few years. , even if eliminated is worth it. "(Trading post of a securities company)
" I work in an insurance company. Although the salary is not high, the cost-effectiveness of the work is quite high. There is basically no need to work overtime, and the pressure is basically controllable. For a married girl like me with a family and children, it is the best choice, but if you are a fresh graduate, should you still suffer for a few years? "(Operation post of an insurance company)
"The investment bank has a superficial halo, but it is too hard and tiring, and the cost performance is not high. Young people are very shrewd now, and they won't work as hard as we used to. "(Investment Banking Post of a Securities Company)
" Selling in a bank is under too much pressure. Compared with other products, we sell things that are closely related to wealth. If the customer doesn't trust you, even if they buy the product you recommend, once the investment loses money, they will still be scolded. If the family is not bad young people, it is not worth doing this. "(financial manager of a branch of a commercial bank)
" Risk control was good in the past few years, but the workload has increased significantly in the past two years, and the fault tolerance rate is low. Weakened. I'm getting old and the path dependency can't be changed. If young people have other options, it is recommended not to do this."(A bank has a risk control post)
Source: "Family Form"
Regarding persuasion, this is the most authentic and non-utilitarian answer given by 36 financial practitioners.
Generally speaking, both Not as pessimistic as rumored on the Internet, nor as optimistic as I think.
However, what is interesting is that these respondents are "optimistic" and "pessimistic" about their own industry. , the golden decade of the financial industry is gone forever, the industry is solidifying, the salary limit is a certainty, the competition is becoming more and more inward, the cost performance for young people is getting lower and lower, and it is becoming more and more unstable.
Optimist I do not deny this, but I still think that compared with other industries, the financial industry is still a fast-rising channel with high salaries. Its attractiveness to young people cannot be ignored, and it is a relatively reliable choice.
Source: "One Day" As for myself, as a past person who has already received financial dividends and has established a firm foothold in the financial circle, I have no right to say whether to persuade fresh students to return or to persuade to enter. It is unbelievable. "Pinching the tip", "red ocean", "competition" and endless KPIs will all become the norm that a young financial migrant worker must face. If you apply for a job in the financial circle, probably even the resume level will be brushed off.
But if I were to give a suggestion, I would still recommend young people (not just fresh students) to join the financial circle, but I must lower expectations.
Because no matter how you look at it, finance is the blood of the economy, and the demand for finance will always exist, and if there is demand, there will always be money to be made.
Therefore, at least in the next ten years, the status of finance will hardly be shaken, and its demand for manpower and development space will not be suddenly reduced.
Source: "Naoki Hansawa"
However, the inherent impression of "annual salary of one million and freedom of wealth" that has been in the ears of young people for a long time may need to be changed.
Times have changed.
Under the background of common prosperity, the salary difference between finance and other industries in the future will only shrink, and the variance will also decrease.
Therefore, if you lower your expectations, just treat it as any industry that makes money with your hard work, adapt, feel, and accept it.
You will be able to share the fruits of the industry and gain your own experience and wealth in this industry that always gives people hope.
But if your goal is more than that, or you simply have a mine at home, maybe going to see poetry and distance will be a more valuable and meaningful choice.
Source: "The Man Who Can't Get Married"
Finally, I leave you with the same question:
Would you recommend fresh graduates to join their own industry, company, or work?
*All content of "Uncle Blanket" is a personal opinion, only for the purpose of exchanging personal ideas and sharing knowledge, and does not constitute any investment advice or reference. There are risks in the market and investment needs to be cautious. Readers are requested to make independent decisions based on their personal financial situation.
