Talking about the subprime mortgage crisis is a turning point.

This year's loan industry is really difficult to do, and smooth operators have to admit that their income has dropped sharply. After many psychological twists and turns, they are thinking about the way out for the loan industry. Later, after comprehensive consideration, I found that I can only borrow money, and I can only adjust my mentality and face it bravely. To ask why it is so difficult to sell "money", explain your point of view.

First of all:

With the overall slowdown of the international economic situation in recent years, the supervision of the relevant financial departments on the loan industry, and the introduction and gradual implementation of a series of measures, the loan industry has not blossomed everywhere as it did at the beginning, and everyone has made money. Around 14, you can hear passers-by holding file bags and exchanging loans on the phone. Even if you are not in the industry, you should have some impressions when you look back. Nowadays, no matter where you are, it is hard to see this phenomenon. It can be seen from this that there are many fewer employees now than before.

In the past, nearly one-third of the loan practitioners in the market worked in P2P small loan companies. Now that the country has gradually banned P2P and retired completely, where can these workers go? There are two aspects to the influence. First, some people leave this industry. Second, people who want to continue to engage in this industry turn to the lending industry and consumer finance institutions. After these workers entered the loan industry and consumer finance, they were competing for the market with a group of people before. The cake is so big, and it is still shrinking and deteriorating, so the competition is getting bigger and bigger. In addition, consumer finance has developed steadily in our Zhengzhou market since 16. Now, from the market point of view, these salesmen also make money by lending products, so a group of employees have also been planted in this fierce competition.

Second:

It is said that this year's epidemic has affected many businesses, making it difficult for many customers to approve loans because of poor management, which further makes it difficult for the loan industry to do so. In fact, I think the epidemic has only accelerated the above phenomenon, and no epidemic will come sooner or later. From the customer data, we can know that only a small part of them are really used for business turnover, and most of them are customers left over from the past, who are constantly changing institutions to raise loans. Coupled with the relatively simple sales method, the efficiency is reduced. The development of new customers is much less. Secondly, because of the epidemic in 2020, the state vigorously supported small and micro enterprises, and the interest rate entered the era of 3%, which also led some customers to have enough low-interest capital turnover. In fact, from my personal point of view, the outbreak of the epidemic made people learn to think, and gave them enough time to think about what they had done, which made people relatively rational. If there are fewer market opportunities, blind investment will come down. All loan industries are more difficult to do.