Rebirth: Stockbroker, I have market data

Chapter 78: Just don’t let them lose money

Financial management on behalf of clients is the practice of someone or an institution accepting the entrustment of investors to operate stocks or other financial investments for them.

However, as an account manager or stock broker, you will not be allowed to directly conduct stock transactions for clients. This is expressly prohibited under current domestic policies.

It can be said that Xiao Jin's stock account transactions on behalf of Fu Chunfang, Wang Xiulian, and even Tang Xiaohe were illegal.

It is too easy to be discovered. In reality, once a stock transaction loses money, the customer will often find the account manager to question, or even complain to the company. If this matter is correct, Xiao Jin will be useless.

Therefore, Xiao Jin flatly denied that he did not do such a thing.

Xiao Jin continued to talk to Fang Zhanbo: "Brother, I think you should focus on how to develop customers. At this rate, you will not be able to pass the assessment in the future!"

"Um..."

Fang Zhanbo was naturally in a bad mood after being poked at the central issue. What Xiao Jin said about developing customers was the pain hidden in his heart.

Fang Zhanbo is a person who clearly has no clear idea of ​​his own position. He does everything according to his own preferences and plans.

He believes that as long as he is good at technology, he won't have to worry about not having customers, so he shows his stock level to everyone he meets, hoping to gain others' attention. However, what he shows is often to his colleagues and in front of customers. , he did not have this opportunity in front of the bank financial manager.

It can be said that I am amusing myself!

"Brother, how many customers have you developed this month? Our company assesses account managers every three months. Are you sure you can pass the test?" Xiao Jin continued to increase the number.

"Well, I'm also looking for customers, and the bank has promised me that if there are customers, they will introduce them to me."

"Haha, I promised you? Isn't this just perfunctory for you?!" Xiao Jin continued to stab Fang Zhanbo mercilessly.

"It's still early. I think the market will pick up after the Chinese New Year, and it will be much easier to find customers by then!" Fang Zhanbo was still quibbling.

However, Fang Zhanbo's judgment on the market is accurate, and the market will indeed take off after the year. But it is obvious that he is still evading and looking for excuses when it comes to developing customers.

"Brother, you should do more research on your own affairs. I am very innocent!" Xiao Jin made his final statement...

After the market closed in the afternoon, Zhao Pingfan organized all account managers and employees from the customer service department to hold a compliance meeting in the training room.

"I emphasize again that our company must not conduct financial management on behalf of customers. No one is allowed to do so!" Zhao Pingfan kept emphasizing, with a serious expression.

The new people below were naturally in awe, but some old employees were a little impatient. This topic was a commonplace for them.

At this time, Xu Yingman, an employee of the customer service department, and Fang Yinhua on the side whispered, and even laughed. Zhao Pingfan noticed it immediately and asked, "Why are you two laughing?"

Being exposed in public, Fang Yinhua immediately blushed. Zhao Pingfan continued to say more aggressively: "It's a meeting, you old employees, be serious!"

But Xu Yingman was not used to Zhao Pingfan and said casually:

"Manager Zhao, you always say that you don't let us manage money on behalf of customers. However, if we don't do it ourselves, what experience do we have to explain to customers? We are customer service. If we don't have an account to operate, how can we answer customers' questions?!"

What he said was very realistic. Zhao Pingfan chuckled, "Then find a relative to open an account. Can you go in and take a look and settle it?!"

"Tch, Manager Zhao, let me ask you, do you trade in stocks?"

Zhao Pingfan was speechless, and Xu Yingman continued to follow up, "Manager Zhao, let's tell the truth. The policy requires that our employees cannot open stock accounts in their own names, but the relatives of our company's employees all have stock accounts. Our company Who doesn’t trade stocks in the name of their relatives? In theory, this is all financial management on behalf of clients!”

As soon as these words came out, Zhao Pingfan's face turned green with anger, but what Xu Yingman said was true, the policy required, and there were countermeasures, but was the policy too anti-human? !

Xu Yingman continued: "In fact, the original intention of the policy is to avoid risks and avoid market manipulation, insider trading, and rat positions. However, it must also be analyzed concretely. We are just a securities company engaged in ordinary brokerage business. How can we What if such an opportunity arises? I think this policy should be changed, and it is reasonable to restrict some departments and positions with functions in this area."

"Xu Yingman, you are so awesome, you dare to talk to Zhao Pingfan like this!" Fang Yinhua teased in a low voice.

Not only did Fang Yinhua say this, first the employees in the customer service department began to support Xu Yingman, and then some senior account managers also began to speak out, supporting Xu Yingman's statement of changing the policy.

The scene suddenly got "out of control".

"Everyone be silent!" Zhao Fanfan could no longer hold his breath, especially in front of so many newcomers.

"I understand everything you said, and I know it, but that's the policy. Let's emphasize one thing today: we are absolutely not allowed to manage money for customers!" Zhao Pingfan still compromised.

"Then, Manager Zhao, do you mean that we can operate the accounts of our relatives and friends?!"

"I didn't say it. Anyway, I'm emphasizing that it is absolutely not allowed to manage money for clients. If it happens, I will show no mercy. I will fire everyone if I find out!"

Zhao Fanfan became stern.

"Do you know? If this happens, it will not only be a loss for your client, but also a huge loss for our company. There are cases in my training today, such as the sales department of a securities company in the south. For this kind of financial management on behalf of clients, in addition to the client being fired, the general manager being warned, and the company being downgraded, are you able to afford these losses?!"

Zhao Pingfan continued to talk, with an expression that absolutely did not tolerate blasphemy.

The text of the case was projected onto the curtain, and it was written clearly on the top. It said that a department manager of the securities business department had illegally managed money for a client, which caused a significant depreciation of the client's principal. The client came to the department manager to argue with him, and then there was a big fuss.

After investigation, it turned out that the department manager had reached a private agreement with the client. The client would pay the principal, and if the profit exceeded a certain level, the two would share it equally. However, the market did not develop as the department manager expected, resulting in a substantial loss of the client's principal.

As a result, the department manager was named by the regulatory authorities and banned from the market for five years. The general manager was warned. Compliance points will be directly deducted from the securities company's rating at the end of the year. The company's margin will be significantly increased in the coming year, which can be said to be a heavy loss. .

As for the client's losses, they didn't mention it, but no one must have cared about it, because the agreement they reached at the beginning was illegal and the law would not support it, so they could only accept it as bad luck.

The other cases were similar. Xiao Jin woke up in his heart and had secretly made a plan. At the same time, he also grasped the key point - he could not let the customer lose money.

But as Fu Chunfang and Wang Xiulian's accounts have more and more funds, Xiao Jin has been worried about whether it will affect the stock price trend in the future.

So far, the historical market conditions in my mind correspond to the actual market conditions, and no problems have arisen yet.

It would be good if they were not allowed to lose money, and it was time to close the net.

......