Recruitment information about Shanghai

On September 2 1, China Youth Daily reported the opening of Nanjing Talent Network and Jiangsu Talent Network. The most striking thing is the recruitment notice of insurance companies. Among them, there are as many as seven or eight positions in one insurance company, including customer service staff, reserve cadres, personnel assistants, senior secretaries, administrative personnel, financial consultants, sales backstage, insurance agents, sales elites and other different positions. Each position recruits dozens of people with a monthly salary of 65438+.

Some of these posts, such as grass-roots management cadres and reserve cadres, have special descriptions. We warmly welcome fresh graduates to apply for jobs and training programs for fresh graduates. ...

Some employers are Jiangsu branch of an insurance company, and some are Nanjing branch of an insurance company with the same address. Every job advertisement has a different address and room number, different recruiters, and some even have the same room and different recruiters.

There is no fixed telephone number left in the recruitment notice, all of which are mobile phone numbers.

Insiders told reporters that in fact, many jobs do not exist, and they are all recruiting insurance business personnel, just changing their names first to deceive people. Some job postings even changed the name of the insurance company and turned it into a joint-stock company, and its industries were finance and insurance.

The position of reserve cadres is the most puzzling. Many recent college graduates think that this is because insurance companies are recruiting backstage personnel and there is no need to run insurance.

In fact, these recruiters are all insurance agents, and they only have agency contracts with insurance companies, but no labor contracts. The employees of insurance companies are called back office, and the human resources department of insurance companies is responsible for recruitment.

The trap of interview

Recruitment also has a set of industry terms. If you take the initiative to call, say there is a job fair this week. Come and have a look first. It's not clear on the phone. If you find your resume online, you will say, I am the human resources department of an insurance company. I read your resume and think you are qualified for one of our positions (we must say administrative positions such as reserve cadres and secretaries, not salesmen). We invite you for an interview.

The reporter made a phone call, and the other party said that there would be a job fair that afternoon, and we would wait until we arrived. And sent a text message "Hello, I received your resume online. Please come to our company for an interview in the afternoon and find the supervisor at the address ... "

After getting through another application phone, the reporter asked about the position of the other party. The other party replied that he was an employee of the human resources department. During the interview, he asked the manager of the human resources department for details and further inquired about the fixed telephone. The other party hung up on the grounds of checking the number.

Call the recruitment phone of other companies and get the same answer.

The reporter came to an insurance company according to the agreed time. The third and fourth floors are the offices of insurance companies. Every office is crowded with people. There is a table with a name written on it and someone is interviewing.

After finding a good recruiter, the reporter quickly got a registration form and filled out the application form with a pseudonym and a fabricated ID number.

I just asked about my work experience. The recruiter arranged for a reporter to attend the lecture. There are hundreds of people sitting in a big classroom. Many young faces seem to be college graduates. A person who claims to be the director tells the bright future of the insurance industry in a cadence-"there is no capital, no procurement, no product backlog, no education level and no work experience requirements, but an industry that can make a lot of money."

Interview is also a routine. If fresh graduates come to apply for reserve cadres, the other party will say: hello. Why choose this industry? Do you have any relevant work experience?

For recent graduates, most of the answers are "no" or "simple contact".

"Do you think you are qualified for this job? Do you know anything about this industry? "

The answer is usually "I don't know" or nothing.

"Why did you come to work in this industry?" "I want to exercise my ability."

"Have you ever thought that maybe management positions are more suitable for cultivating a person's ability? If you are asked to manage a team one day, would you like it?"

Most newcomers will be willing.

"Team management needs to understand the company's products, the company's operational processes and corporate culture. Are you familiar with our company? "

"All successful people in the world started from grass-roots enterprises."

Graduates will ask, "You don't want me to do business, do you?"

"No, we just want you to know the process of our company. All companies can't want an employee who can't create value for the company. You need to prove your strength ... "

The speed of asking questions is so fast that candidates have no time to think. This application process is watertight. Let me introduce you to the door first.

The staff who interviewed the reporter claimed to be the manager, and the other party started the interview without finding the registration form. In dozens of tables with 50 or 60 people, there are also many people interviewing in other seats.

Why do you want to do this job? Do you have any relevant experience ... The question is the same for everyone. Recruiters have repeatedly claimed that they do not recruit salesmen, but only reserve cadres and other administrative personnel, but every position should start from the grassroots level. During the three-month internship period, you must get insurance to become a full member, and you can't do business without a basic salary.

The reporter asked about the company's promotion standards, and the other party refused to answer on the grounds of trade secrets. "You will know when you become an employee of our company."

Before the reporter made a statement, the other party said, you have passed the interview and will attend the pre-service class next Monday.

The trap of self-protection

Enter the pre-service category, the new category ... and then go to work, and another routine trap awaits you.

"Congratulations on your admission to the insurance agency certificate and graduation."

"Our company treats newcomers very well. As long as you become a full member, you can enjoy ... "

"You are not a formal employee of the company. How can we provide management training and XX training for you? You must turn positive. "

"The company's promotion month is coming to an end. You see that everyone else has become a full member. How do you ... you don't want to fall behind? "

"If you want to protect yourself (buy insurance for yourself), buy it first and then refund it, and you will lose very little money. And it's easy to earn back later ... "

"I just said, how can you be serious? Don't regret. "

"The rate is this price/performance ratio, the hesitation period is XX, and one year later it is XX."

"Congratulations on your confirmation. The next position is account manager. You should start forming your own team. You have to have two formal team members to complete the performance of XX before you can become the account director ... "

According to insiders, after you become a full-time employee, you will find that there are almost no so-called benefits, and the training that you have participated in before is still the same.

Self-insurance can become a regular employee, but to be promoted to account manager, you need to get an insurance policy with a commission of 3200 yuan. Many people were eliminated after three months without business. With a loss of 4300 yuan, it took more than three months, and you became a stepping stone for others.

A person who is an account manager starts his recruitment plan, advertises for jobs, and is the cheapest and most cost-effective online. He can maintain or promote his position and protect himself by recruiting new people.

Some insurance companies condone the illegal operation of agents.

In the insurance industry, crowd tactics are often used. Whoever can recruit people will be awesome. As long as the newcomers protect themselves, there will be many insurance policies. Such people are also very popular. Other insurance companies will dig you up, and the people you bring are your capital.

It is understood that there are currently 49 insurance companies in Jiangsu Province, and 4 are under preparation and approval.

In fact, due to the fierce competition now, the company recruits a large number of new people to expand its business. In order to find more people, some companies began to operate illegally.

The reporter learned that the recruitment notices issued by agents are generally reviewed by insurance companies, but for the sake of performance, insurance companies are not strict, turn a blind eye to the illegal recruitment of agents, and even condone their illegal operations.

"30% commission can reach a monthly salary of several thousand yuan in a few months. The more people are recruited, the higher the position and the higher the salary. So-and-so can reach hundreds of thousands or even millions of wages in just a few years ... "This kind of publicity has attracted many students who have just left school.

The insurance industry has fallen into a strange circle of pyramid schemes, constantly recruiting new people, eliminating new people, recruiting new people and eliminating new people, and relying on people to protect themselves to achieve performance.

"The current marketing model of insurance has a certain blood relationship with pyramid schemes." Director Wang of the Jiangsu branch office of an insurance company said that at present, domestic insurance companies all implement the agency system and have no basic salary. Only a few foreign companies implement the employee system with a basic salary.

Agency system is the primary stage of the development of insurance industry. There are two ways for agents to be promoted. One is to specialize in business and get promoted through the increase of commission. The other is to do business and organize teams. The jargon in the industry is to increase the number of employees and achieve business growth by constantly expanding the team.

Director Wang said that because of the blood relationship with pyramid schemes, in order to avoid the same problems as pyramid schemes, insurance companies have special regulations on the assessment of agent promotion. For example, the renewal rate of the account manager's policy cannot be lower than 80%, and the renewal rate of the business director's policy cannot be lower than 70%.

The reporter learned that in fact, this regulation has not been strictly enforced. Many companies only look at performance, not renewal rate. Many employees leave their jobs in less than a year, and the renewal rate cannot be guaranteed. Many achievements are self-protection by newcomers, and it is impossible to renew the contract. In the insurance industry, few people can pull strange orders, and most people pull them through relatives and friends.

Director Wang said frankly that the agency system is suitable for people with certain social relations, not for newly graduated college students. At present, the agent is very mobile, and only 14% of the staff can persist.

In terms of staff increase, insurance companies have restrictions on agents, and agents have to sign a letter of commitment. External recruitment (recruitment) is carried out in the name of business field or marketing department, not in the name of functional departments such as human resources department. The job description in the recruitment notice shall not contain the words "customer service staff, secretary, group training, lecturer, trainer, personnel specialist" and other professional backstage positions, and shall not contain any information that is inconsistent with the reality, such as "belonging to the backstage establishment of the company and enjoying the treatment of formal employees". In principle, there is no information description of the basic salary of each recruitment position (except the rookie plan) or inconsistent with the actual salary. After the online recruitment notice is released, the insurance company shall review the recruitment notice.

Although there are strict regulations, Director Wang admitted that "there may be irregularities in the recruitment of agents". She showed the reporter a notification decision that two agents of the company were recruited on a website in May and were punished for being complained.

The relevant person in charge of Jiangsu Insurance Regulatory Bureau told the reporter that the Insurance Regulatory Bureau resolutely opposes insurance agents misleading employees with false recruitment notices. According to the regulations, insurance companies are not allowed to buy products as a condition for becoming insurance salesmen.

"I say this because I decided to leave this industry. When I learned the rules of the game in this industry, I couldn't walk any further. Because I know that every step will be at the expense of conscience ... "

A few days ago, Tamia Liu (a pseudonym), a fresh graduate of Nanjing, described his employment experience, saying that "college students are not suitable for insurance business".

In June this year, Tamia Liu, whose job has not yet settled down, saw the recruitment notice of a well-known domestic insurance company on the Internet, and he planned to apply for an assistant manager.

In fact, since April, he has noticed this recruitment notice. On Nanjing Talent Network and Jiangsu Talent Network, there are more than a dozen recruitment notices of insurance companies, and they are updated frequently, with as many as forty or fifty positions each time.

Although I have heard of insurance companies cheating before, Tamia Liu decided to give it a try in the absence of other employment intentions.

After watching the propaganda film and listening to the lecture, Tamia Liu's view on the insurance industry has changed greatly. He thinks that "this is a promising industry".

Both the initial test and the second test went well, and Tamia Liu believed that his excellence and conversation won the trust of the enterprise.

Both the pre-job class and the new class passed smoothly, and he became the only employee in the new class who opened a strange order (got the insurance policy from a stranger). In the meantime, many students have opened self-insurance policies (buying insurance for themselves), and the premium for a newcomer to formal work needs 8500 yuan.

Tamia Liu was surprised that he spent so much money just to become a regular employee, and his supervisor always proposed to make him a regular employee through self-protection, intentionally or unintentionally. The director calculated an account for him, spent 8,500 yuan to protect himself, and got 2,400 yuan as commission, plus 1.200 yuan basic salary. 10 days later, he surrendered his insurance and returned to 600 yuan, where he can get back 4,200 yuan and only pay 4,300 yuan, and then he can become a full member. After becoming a full member, you can get more insurance policies and commissions to earn money back.

He sings inspirational songs such as "Run Forward" every day, and his colleagues and superiors often encourage him. Tamia Liu thinks the working atmosphere is very good.

Things changed quickly. The department manager has jumped ship. Because all the employees were recruited by their superiors, Tamia Liu had to jump ship with 40 or 50 people collectively.

In a month's time, they jumped to three insurance companies in succession, one of which stayed for only one day and the other two stayed for half a month. Because of his outstanding performance unilaterally, he jumped from a newcomer to a full-time and account manager, was promoted to the third level by the department manager, and was directly graded as the business director, directly facing the team management work.

It was at that time that he slowly discovered the secret. Under the guidance of his superiors, he opened the internet like other directors and adopted the more popular online recruitment. My daily job is surfing the Internet, brushing my resume and making phone calls.

Colleagues who joined the industry earlier always like to tell stories about their previous recruitment. Their director nicknamed him "Knife". Newcomers will be persuaded to protect themselves as soon as they pass the insurance agent qualification examination.

The director happened to be there, telling his two most proud things. One is a player who plays online games, wearing the best equipment. The next day, I persuaded him to sell the equipment in Shanghai and sold it for 13000 yuan. He came back that day to protect himself. There is also a newly graduated college student, a rural student, who borrowed money to go to school and was persuaded by him to borrow 3000 yuan to buy self-protection.

Tamia Liu said that it was later learned that both of them were eliminated because they didn't get the insurance policies again.

Tamia Liu knows the price of online game equipment worth 13000. Similarly, he also knows how much family pressure a poor rural student has to bear.

In the following days, he learned some routines of this industry.

If you want to get more commission, you should recruit more people and persuade them to protect themselves. By constantly recruiting new people and protecting yourself, you can solve your task of pulling insurance policies. If you can get five or six people in a month and let them protect themselves, the account director can get five or six thousand without going out to run business.

How is insurance the same as pyramid selling? Is to pull people's heads and let them protect themselves. Tamia Liu began to have doubts about his work.

The day before he left, something happened that Tamia Liu couldn't forget: he asked an old director what kind of people we wanted to recruit. The other party asked, two people, one has a good idea, but the family is poor, and the other has a bad idea, but the family is in good condition. Which one do you want?

The other party went on to say that, of course, if you have money at home, you can also cultivate bad ideas. But how can a poor family afford insurance?

Tamia Liu suddenly remembered a sentence that often sounded in the new class: When you talk to a customer, the customer asks if you have insurance? You say no, how can you talk to the client?

Previously, Tamia Liu thought that his experience would be of great help to college students' employment. One of his teachers also invited him to the school to hold a symposium on employment for new students.

Tamia Liu said, "Insurance is a good industry, but if I talk to my brothers and sisters about my employment, I don't think I can say a word at that moment."

"College students are not suitable for insurance business." He said.