Now the domestic industry p2p is very popular in Nanjing, about hundreds of companies, that's a lot of sales in the p2p reach a monthly salary of over a million (heard of it), there is a company called Nanjing Heng, listening to students talk inside a college 94 years girl graduated income 80,000 for three consecutive months, really amazing! And most of us took the meager wages in the face of uncertain career path, but there are few students will consider p2p sales as a career choice (you may still be unfamiliar to it?). P2p companies also do little to meet campus recruiting (I may not carefully observed it), but in the lower (meaning not despise this widespread industry sales personnel qualifications, but that the industry outlook is good, high practitioners academic background will be more), they are also free time, pulled a good list can ease a few days.
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above is a modified version of the main theme of the issue, the original shot was too powerful
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to thank the comments you made! Thank Huang Xisheng teacher, wallets, etc. amendments! Thank you! I feel useless hearsay, we come Counting small accounts:

a salesman angle counted account

financial side: the general prevailing industry standards, customer investment investment * 0.2% * number of months. 2k-6k salary range. Monthly salary of eighty thousand backwards push, need not be less than 6 million of the list and the period of more than six months. Per month to maintain this level of sales is not never seen, but rarely.
end commission credit standards substantially the same, it can be calculated the same way.
of course, control the wind around to get 0.1%.


94-year female college students just graduated entry , attached to three months to get 80,000 of income, whether financial or credit, you need to complete about 18 million of business, do you think the likelihood ? Not only bright blind your eyes, my eyes have been your bright blind!




we see every occurrence of a business, the cost of floating the company is required to pay commission at least: 0.5%. The next one will be in use.


Second, lenders angle

Banking customers financial income annualized 18% in January of 1.5%, lending rates of 48% in January of 4%, is this windfall? Is not beautiful to look at?

bawl, we give pears, an organization of a second-tier cities:

office area of ​​500 square meters, 60 employees, monthly lending 30 million, and then we take a look at how the company's profitability.

second-tier city's bustling business district, office of 500 square meters, the rent + utilities + property costs about 150,000 yuan / month.

decoration, office furniture, equipment, official cars and other one-time investment 1.5 million, 2-year amortization 60,000 per month.

management and staff average fixed salary 3000 / person / month * 60 = 180,000.

office expenses, entertainment expenses, marketing costs, car travel, employee benefits and other operating expenses 100,000 / month.

Total fixed costs: about 50 million / month.


customer funds directly cost 1.5 / month + credit finance end end end risk control commission 0.4+ 0.1, the total cost of float 2 points / month.

month lending 30 million, gross profit of 600,000. Monthly book profit 100,000.

the net 10 universal count it? Not! Because there are: overdue, bad debts, compensation, protection of principal and interest.

we'll have to take the risk of these private institutions control than four major commercial banks do well, bad debt rate is even lower than four. According to their avowed 1% 30,000,000 * 0.01 = 300,000.

assume overdue rate of 5%, and compensatory funding from a pool of money, 30 million * 1.5 million * 0.015 = 0.05 / month = 22,500.

above together, the institution of the month net profit = 100,000 to 300,000 = -22.25 -2.25 Wan million, or: a net loss of about 22 million.

added: month to complete 30 million lending mandate needs to be done it is actually 30 million + finance, and lending 30 million. Suppose financial side, credit side, each 1/3 support staff positions and support positions no marketing tasks, marketing tasks per job required 1.5 million. Actual operations, 60 per cent of such institutions marketers actually able to complete about 500,000 have been very good: revenues = basic salary + 500 000 2500 * 0.002 * 6 = 8500 yuan. So in other words, even without considering the bad debts and overdue, the breakeven for most private lending institutions have been quite difficult.

Third, financial customer perspective

so many companies are doing, indicating where the edge is definitely big profits!

their boss have the strength and villas! There are n house! Mercedes BMW Porsche!

I go into 1.5, they put out 4, say they do not make money who believe ah!

their companies have the strength to the company to see great grades!

their boss background of a relationship, around a lot of leadership, Governor of the Bank around the turn!

high interest of their company, if they can escape down I'm sure in advance!

did not expect:


luxury cars are luxury financial funds to buy, can mortgage gave the bank!


worldwide scam places are luxurious decoration, such as banks, exchanges and so on. Before


you saw his high interest rates, he has been thinking about your capital for a long time!


any one industry and products, the cost ≠ raw material costs!


above.

Paizhuan welcome!

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just like to see someone point, there came looked discovery, is simply irrelevant what. Because I said the agency is not P2P net loan under the line.


four, P2P net loan platform do not make money?


you try on the basis of the above operating costs plus IT costs, will naturally know P2P platforms do not make money.


five, P2P practitioners do not make money?


my answer is to earn! And most of all make.

from the second example, the analysis can know, in fact, most of the P2P platform does not make money, then do not make money now, why should shareholders investment, why do promotion under the original capital, why paid out to recruit people? These P2P platform bosses are Lei Feng or a fool?

simple to answer can not be simple, and that is that most bosses are not for profit, it was for misappropriating for personal use, for the moment it was scraped wealth suicide, it was to engage in so-called capital operation, there are some unbelievers - I thought that he was the world outside expert objective laws outside. To sum up in fact because they think that in the future can get super huge benefits, immediate costs or losses drop in the bucket compared completely. I do not know if that is not gambling?


has super huge gains for the pie, naturally willing to spend much short-term goals, so the industry often hear the word is: not afraid of you more money, you're not afraid of the performance! Therefore, P2P practitioners income, does have an enviable high, just as high-interest private loans are everywhere the same high yield.


a simple logic is this: the more ridiculously high income, the more is hidden behind a bigger scam or a trap!


PS: There is a downstairs master anonymous answer says a banker annual income of 4 million, I simply refer to corporate credit manager remuneration at several joint-stock banks, the lending people a year up and down about 4 billion is definitely not an ordinary person, giant cow!