I believe that it is easier to achieve an annual salary of one million in the financial industry.

Let me first tell you my point of view. First, let’s take a look at the IT industry. Who are the people who want to achieve an annual salary of one million?

Regular troops

1: Senior engineers from major factories have usually made certain achievements in a certain field, can stand alone, and have worked in major factories for more than 5 years with an annual salary.

2: He has his own product, has successfully transformed from a technical otaku into a manager, shouts for his own products, and is a technology-marketing hybrid entrepreneur who has integrated into the market economy.

Irregular troops:

Engaged in gray marginal industries. It is very easy to make millions these years. Because their products are not very substitutable, and the product determines the market.

Of course, there are many other channels. I will not explain them one by one here. If you are interested, you can communicate privately.

Let’s talk about it from the following two aspects: Is it difficult to make an annual salary of one million in the IT industry now?

1: Programmers born in the 1980s are now gradually becoming the backbone of the company. These people are upright and in their prime, leaving opportunities for those born in the 90s and 2000s. In fact, there are not so many opportunities.

The old ones won’t leave, and the new ones will squeeze through the door. I am also a programmer born in the 1980s. When we first graduated, which IT jobs were easy to find and which ones were worth the money? But now the competition is not so fierce.

2: The maturity of technology is getting higher and higher. Programmers used to be called pioneers. They didn’t have many things. They just did a little bit of research on their own. It’s different now.

Many foreign companies have open sourced many things. When you make something now, you often just decide which framework to choose and use other people’s technologies.

Piece it together, and then start to add it. Delete, modify, and do business. This is similar to an assembly line. It is highly replaceable. If you don’t want to do it, someone will do it.

3: In the gray area, the road is getting narrower and narrower. One aspect is that the technology of large manufacturers is upgrading very quickly, and technological confrontation can make your hair turn gray overnight

With the development of the country As the law gradually improves, the risks are also very high, and many people choose to leave the market directly. Improved laws mean that there are not many social work resources available, and many things cannot be done.

For the financial industry, I think it is slightly easier to achieve an annual salary of one million. , after all, when dealing with money, sometimes one customer is enough.

So what does finance refer to?

The financial industry is very broad. I will list some industries.

There are too many banks, loans, insurance, guarantees, credit services, funds, stocks, futures, digital currencies, etc.

Take a look at any of these industries and you will know, without me having to say, how profitable it is.

The country focuses on cracking down on economic and financial crimes every year. There are a large number of economic cases every year, but there may only be a few model cases in the computer field.

Similarly, the financial industry is also divided into normal situations and abnormal situations. We will not describe the abnormal situations in detail, but mainly talk about the normal situations.

The financial industry is definitely a high-paying industry, but it is not just a matter of just entering. What really depends on whether you get a high salary is a person's overall quality.

In fact, not all people are suitable for finance.

First of all, the starting point is relatively high. The first is academic qualifications. Academic qualifications are the basic threshold for entering finance. Brokerages/funds, etc. recruit financial interns. The basic requirement is a graduate degree, and it must be from a well-known institution such as 985/211. In the financial world, students from prestigious schools are more attractive, and origin is more important, so fuck it. Those with good family backgrounds, those who are second in officialdom and second in wealth, have inherent advantages.

The financial industry requires academic qualifications and resources. If you have neither,

Of course, there are also some lower-end positions, such as sales and front desk, and there are still many undergraduates. location.

Returning to the question and answer topic, if you have neither resources nor academic qualifications, but you think you are capable, how can you make an annual salary of one million?

First of all, don’t think about the fund managers, investment managers, etc. in BCD. This has nothing to do with you.

Be low-key and down-to-earth, humble and eager to learn, and willing to endure hardship. Only when you have enough resources will you have the opportunity to enter a core position in the financial circle.

Finance is a good way for ordinary students to get on the fast track and quickly reach the middle class.

There is a view that the rich second generation will have more advantages and completely crush ordinary people. I don’t agree with this.

It is possible to attract deposits and do insurance sales, which are completely dependent on resources.

Others require extremely high imagination, absolutely high IQ and ability to withstand stress. Rich people The second generation may not have an advantage

So you can’t lose your confidence. As long as you have sufficient resources, you can definitely get a share of the pie

So how to enrich your own resources

Now is the Internet era, which may be considered a relatively fair playing field for ordinary people.

If you are doing offline business, you will know , how unfair, so thank you for the Internet platform.

Here I will give an example for your reference. It is a real example of a non-financial person with over one million years of age who is engaged in the financial industry. It can be used as a reference by friends around me.

Case background mentioned above

My friend is a non-financial college student. He graduated a few years ago and opened an offline physical store to do business. He spent almost 1 million on his credit card.

I started a business with others in partnership for more than a year, but it went bankrupt and I was left with only a few stools. I was burdened with millions of debts and was forced to gnash my teeth in front of me.

As long as I have a chance to pay off the debt, Don’t start a business for the rest of your life, just be stable and find a job to live your life.

To be honest, I admire my friend’s entrepreneurial drive and the courage to invest millions to build a real entity.

Later, he came to me and mentioned that he wanted to do finance. At that time, I was stunned. This guy is not from the financial industry. He does finance, so I asked him what he meant by finance.

He said that he had a relative who worked in a bank, a teller, who recommended him to do credit business, help companies with loan business, and then charge a certain fee.

It can be done nationwide. When I heard this, I said that this is very easy to do and it is an opportunity.

I gave him a detailed analysis and plan:

First of all, the market has to eliminate huge and rigid demand.

Small, medium and micro enterprises have few social resources. Compared with small enterprises, workshops, individual industrial and commercial households and other small and micro enterprises, their scale and efficiency are not large.

If there are operating abnormalities, the loans extended will face a higher risk of being unrecoverable, and many banks are unwilling to lend to small and micro enterprises.

A bank is also an enterprise. As long as an enterprise has a commercial profit purpose, it must make a profit to survive and then develop. Otherwise, the bank will collapse one day.

For banks, they are more willing to lend money to large companies, with low risk

At the national level, the government held a meeting and took a number of measures to solve the problem of loan financing difficulties for private enterprises.

Increase support for private enterprises, small and micro enterprises, and ensure that state-owned enterprises, private enterprises and other types of ownership enterprises are treated equally.

It is necessary to broaden financing channels and expand the scope of qualified collateral for medium-term lending facilities from loans to small and micro enterprises with a single credit limit of 5 million yuan or less to 10 million yuan.

Allocate part of the credit scale to large enterprises to increase loans to small and micro enterprises.

Innovate financing tools, deepen multi-level capital market reform, and support more small and micro enterprises to carry out equity and bond financing.

Who should the loan be given to?

Although the national level requires loan support for small and medium-sized enterprises, the implementation at the specific level is another matter.

It is difficult for small and medium-sized enterprises to obtain loans from banks. Insufficient loan limit problem!

Under normal circumstances, under abnormal circumstances: I wonder if you have ever heard such a sentence? If the bank can't get you a loan, go to the bank manager's wife.

There is no shortage of demand, policy support, and operating space, so I think this is a good project.

Next, I planned this marketing channel for him.

I planned two channels for him:

1: Telemarketing channel, specific operations. I will briefly explain the method.

Obtain the phone numbers of business owners who need credit, and then communicate with them on the phone one by one. It is necessary to prepare terminology and organize the problems that customers are worried about and may encounter into a complete document. Communicating on the phone one by one, I was met with rejection, or the customer blocked the phone, and all kinds of blows

It was commonplace. In the first month, I made almost 3,000 phone calls. There are some results. I have become 3 customers and completed a credit line of more than 2 million yuan.

The profit obtained is about the same, close to 100,000 yuan.

(Digression: How to get the phone number of a business owner who needs credit? There are naturally channels for this, but this is in the gray area, 2 yuan per number

As long as you have channels, you can The supply of goods can be purchased with great accuracy, and it can be found in all walks of life)

2: Cast a wide net on the Internet to find various partners with resources and strength to promote this project together. Later, this line It's also working.

Through the Internet, he met many business owners. Some of these bosses did not need credit business, but others in their circle were all bosses.

Those who needed loan business, just Recommended to him.

For Internet operation, I provided him with professional tools developed by myself.

A large number of major platforms have laid out their own resource drainage matrix. Collects commonly used functions such as batch private messages and batch reports.

Through this project, my friend has met many entrepreneurs and entrepreneurs. This example is a simple example of monetization in the financial industry.

Many people understand the financial industry as running a company and investing money while talking and laughing. That is called finance.

In fact, I think there are many categories in the financial industry. There are also many types of work. People who know how to do it will make a fortune every day.

If your financial product is combined with the characteristics of the Internet, a new idea will come out. Compared with the rich second generation, do you think it has advantages? How much older than you?

So different thinking determines your way out.

The picture above is of a financial practitioner with erroneous ideas. A layman looks at the excitement, and an expert looks at the path.

Financial cases like this can easily cost hundreds of millions of dollars.

Many people say, don’t mix this rubbish with finance. They are not worthy.

In fact, you need to be able to build a project worth hundreds of millions, and there is no need for financial professionals to operate it. , it’s completely unplayable

It requires comprehensive use of various resources, and you have to be very smart to do it.

Therefore, the financial industry is very profitable, it depends on which path you take. Road, how much resources you have, in the Internet era,

How much resources you have will determine how much development you will have in the future.

When you have the resources, it is very easy to earn an annual salary of 1 million. Resources are the key, and if you go smoothly in the financial industry, you will find that just by playing around, eating and drinking, you will make money.