Rebirth: Stockbroker, I have market data

Chapter 38: Fu Chunfang

Fu Chunfang and Xiao Jin started chatting. It turned out that Fang Yinhua strictly implemented the agreement between several account managers of the company at Yushan Road Construction Bank.

The main content of this agreement is that when a bank employee introduces a valid account to Fang Yinhua and other account managers, Fang Yinhua and the others will give the introducer 100 yuan. If the customer's account assets are a value account, it will be 200 yuan. 2 Then I’ll give you 400 yuan.

Therefore, with the exchange of interests, bank employees were willing to introduce customers to Fang Yinhua and others to open stock accounts.

This introduction is not difficult to say.

Banks are known as the mother of finance, and the business of all financial institutions cannot bypass banks.

Most customers go to the bank to make deposits and withdrawals. In the past two years, due to the extensive development of the bank's fund agency business and financial management business, many customers have purchased various financial products from the bank.

Then, the customer's risk preference becomes the first priority, and the customer also trusts the bank and tells them their family's financial situation and demands.

Banks initially recommend customers to buy their own bank's products, which are often products with higher returns than the bank's regular products. Generally, they can reach more than 4% or even more than 5%. This is a very good idea for customers who pursue stable returns and hate the loss of principal. Good choice.

In addition, banks also sell fund products on behalf of others. Most of these funds are mainly stock funds. The investment targets are stocks. They are suitable for those who don’t know much about stocks, don’t have time to take care of them, and pursue high returns. those customers.

But there will always be people who gradually learn about stocks, become very interested in stocks, and want to invest directly in stocks. For such customers, the bank's financial manager will recommend them to people in familiar securities companies. .

Well, this kind of recommendation is not free, and often the account manager of the securities company will give them some benefits.

Although this benefit is expressly prohibited by regulators, who knows in private? !

Bank employees are also rewarded for selling bank financial products or agency funds, but these rewards are very small. Moreover, many banks often assign sales tasks to employees for financial products and funds, even if they don't want to earn a reward of [-] cents. , but the task must be completed, otherwise the bank will deduct the bonus.

Compared with this situation, the rewards of the account managers of securities companies are much more generous than the product task rewards of banks, and there is no need to explain anything to customers.

This is something that anyone who has experienced it will understand.

The reason why Fu Chunfang said this was because she didn't understand the securities company's policies and thought that Fang Yinhua was so interesting that he wouldn't let her help go in vain. And Xiao Jin was a newcomer, so she was afraid that Xiao Jin didn't understand the rules and would help him when the time came. He introduced clients, but in the end, Xiao Jin still acted like nothing was wrong, which would be embarrassing.

Xiao Jin had heard Zhu Jianqiang say this kind of thing before, and he also knew that this was not a rigid requirement of Zhao Pingfan, but a unity reached between their account managers and a consistent external voice.

After some reminders from Fu Chunfang, Xiao Jin naturally "admitted it"!

I just came here, how could I break the rules?

However, Xiao Jin was different from Fang Yinhua. He heard Zhu Jianqiang say to him that Fang Yinhua was very capable of "fooling" customers, but his professional knowledge of securities companies was only average.

He is a typical marketing employee, but in terms of professionalism, he is far behind Zhu Jianqiang.

The stock industry also has special characteristics. Even if you are the most professional, you cannot accurately judge and analyze, and the results may even be very different from your professional analysis.

Therefore, even though Zhu Jianqiang said so, in fact, Fang Yinhua was still far ahead in performance. Compared with her, Zhu Jianqiang felt uncomfortable.

However, now it is Xiao Jin, who has a secret weapon.

After stating to Fu Chunfang that "the policy will continue", he asked:

"Sister Fu, do you usually trade stocks?"

Fu Chunfang rolled her eyelids and said, "Oh, what you're saying is, who in the bank doesn't trade stocks? We are all Fang Yinhua's customers!"

Hey, Xiao Jin seemed to feel something after hearing this.

"Sister Fu, you must have locked up the stocks in your hands, right?"

"Haha, it's not just a trap, it's simply unfathomable. I've already lost 60%!"

"Ah? So much? Didn't it increase a bit recently? Are you still losing so much?"

"Haha, it's not Fang Yinhua. He had to fool me back then, saying that the market was going well and would definitely break through 10000 points, so that I could buy quickly..."

"Sister Fu, when you bought the stock, didn't you buy it at 6000 points?!"

Fu Chunfang was so relieved after hearing this, "Brother, you really said that! Fang Yinhua tricked me to death!"

Fu Chunfang complained about Fang Yinhua one after another, which actually made Xiao Jin feel very satisfied. Although Fang Yinhua's performance was good, he was really arrogant and arrogant. He had a good talk with Li Deqiang just now, but he even put himself aside while the two of them were talking on top. After 10 minutes, I don’t know what Fang Yinhua said.

Similarly, Fu Chunfang kept complaining. It turned out that the relationship between her and Fang Yinhua was not monolithic. It was just a purely financial relationship. She just saw that the two of them were very familiar with each other, and she was very worried about whether Fu Chunfang would still look for customers in the future. Fang Yinhua is here to open an account.

Now it seems that he can snatch it from Fang Yinhua.

However, the same policy has not changed much for Chunfang and other bank employees. It is just an exchange of interests.

Looks like I need to add some ingredients.

Your Fang Yinhua's shortcomings, hehe, are exactly my Xiao Jin's strengths.

You Fang Yinhua is so awesome. The market has risen to 6000 points, but you still dare to let people enter the market. You are just attracting customers for the sake of attracting customers, with no regard for the safety of customer funds!

This time, I came to CCB on Yushan Road, and it was different.

The bank employees here are all your customers. The customer affiliation relationship between the same securities company cannot be changed, but there is always a way to gain the trust of these people first, and then everything will be easy.

So Xiao Jin said to Fu Chunfang:

"Sister Fu, what are the stocks in your hand? I can help you take a look!"

"Xiao Xiao, can you do it? Are you majoring in securities?"

"Haha, Sister Fu, I didn't graduate from the securities major, but when it comes to looking at stocks, I think I have something special."

"Really? Go!"

After hearing Xiao Jin's "selling melons", Fu Chunfang became interested. She led him into the financial manager's low cabinet seat, opened the stock market software on the computer, and clicked on a stock from the self-selected stocks.

"As we move forward, please help me take a look!"

Xiao Jin had already seen it. Without touching the mouse, his mind immediately flashed to the historical high price of the stock of Forward Development, which was 62 yuan. Now it is only 23 yuan, which is 60 yuan lower than the highest price. % or more, if you want to get your money back, you have to increase it by at least nearly 300%!

It's so hard!

......