Big name: Tian? Bin
Occupation: Vice President of Le Investment Wealth
Label: Early morning maniac, in the circle of friends for 3 months
A: After graduating from college, the first workplace experience, into the Postal Savings Bank of China, engaged in the liabilities of the business (deposits), dry for 7, 8 years. After jumping to Minsheng Bank. In Minsheng Bank, I had the opportunity to engage in the asset class business (loan class), did 2-3 years, do large customer management. Because of his work experience in Minsheng Bank, he was headhunted to Noah's Wealth, the largest third-party wealth management organization in China. After two years at Noah's, he was headhunted to Le Investment Wealth and slowly made his way to the vice president position, now mainly responsible for the company's overseas business.
A: engaged in the financial industry is mainly divided into three categories of talent:
a class, marketing talent, this type of talent accounted for about 85%, no threshold, elimination rate is high, about 20% retention rate, the general annual salary of 200,000-300,000;
a class, professional talent, such as actuaries, product managers, traders, this type of talent accounted for about 1-2%, the general annual salary of million!
A class of service-oriented talents, such as HR, administration, finance, training and other related departments within the enterprise practitioners, this type of income is generally higher than the same type of work of the average salary of other companies about 20-30%.
Therefore, the corresponding professional and service-oriented talents generally need a corresponding vocational education background, while there is no fixed requirement for marketing ones.
A: knowledge of family and business financial planning, understanding of the direction of international finance, etc.
A: The most important thing is the power of learning, every day. There is also the huge pressure and elimination rate in the early 1 or 2 years when you first enter the industry.
A: product training is the most basic, in addition to national science, appreciation, NLP neuro-linguistic programming, etc.
A: must be a marketing job.
A: Prospects and money are good. Working in finance is dealing with resources and programs. One sentence summarizes that the best resources are put into the most productive industry.
A: Personally, I think women are generally more dominant, and are more approachable when it comes to financial planning and marketing, but of course, as in many industries, men are the majority of the top talent.
A: Generally 8:30-9:15 morning meeting, 9:15-11:30 phone interview, understand the financial proposal to do, 4:00 p.m. to visit the customer and so on. (After the end of the interview, received a basic staff sent by Tian Bin typical day, attached to the end of the article)
A: the most successful feeling is to be able to communicate with successful people in various industries, access to different industries, profit models, and be able to contact people who can be a mentor in life.
A: the answer to the question above is also my favorite part, engaged in the financial industry can be said to understand human nature, see a hundred states. The least favorite, may be the rejection. Because engaged in this line of work, every day to face failure and rejection. 100 people may only 5 people can stick to it. Twelve words to friends who want to engage in this line of work: endure the pain, endure loneliness, be aggrieved.
A: According to the positioning of the three kinds of talent mentioned earlier, the salary is different. But the basic financial industry practitioners in the industry analogies, is at the top of the list.
A: "Sina Finance", "Wall Street News"
The financial industry is divided into silver (bank), securities (securities), insurance (insurance), base (fund), letter (trust) five major components. The main business of the bank is divided into two major blocks of liabilities (deposits) and assets (loans). Deposit part, the main point of the work is to do a good job of customer management (Tian students in this piece of work for 7, 8 years, can be described as the original work experience accumulation period), the loan part, the main point of the work needs to do a good job of risk control (whether to ensure that the cost of default is high enough). Third-party wealth management companies and banks are systematically different, the service is more flexible, the bank mainly rely on the spread income model will gradually lose advantage.
Tian Bin that should be in Noah's wealth work experience, Noah's wealth is listed in the United States domestic industry ranked first third-party financial services company. And was headhunted into Noah, it is because of the previous experience in Minsheng Bank has a large customer management. So it's one ring to rule them all. And people who can work in the financial industry are divided into resourceful, diligent and professional. When working in the bank, is also part of the resource type, but stayed a long time a dissatisfaction with the income, the second on the system of rigidity of the dissatisfaction, chose from the state-owned to the private sector, from the bank to the third party of the career development path. Although there is no intention to do career planning, but unintentionally coincided with the trend of the development of the big financial.
Choosing an industry is important, depending on the stage of the industry in the whole society. The industry has a budding - growth - maturity - decline, to choose to enter in the growth period to the maturity of the transition to the stage of the industry.
The sign is whether there are oligarchs, so the IT industry Tian Bin that is in the maturity stage. The future is optimistic about three industries, one, the pension industry (because of the problem of population aging); two, health care; three, third-party wealth management. There is also a windfall, which everyone knows, is artificial intelligence, while the banking and traditional retail industries are sunset industries.
2012 is a node, before this is the project to find money, after this is the money to find projects. Because of the concern about the disappearance of the demographic dividend, Tian believes that the future needs to be prudent in financial management, and his advice to Bai is the following golden words.
The interview with Tian Bin was in his office, with the Shenzhen Municipal Government as a neighbor and the Ping An Financial Building on the left, with an extremely good view. Just transferred from Beijing not long ago, for Shenzhen, he is very favorite. It's also a city that fills us all with affection, where there are indeed more opportunities and passions than anywhere else, and more interesting people. I thank him for being a great interviewee and for giving me a refresher course as a financial novice, and I hope this compilation will be useful to you as well!
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