1. From the perspective of big finance, this is an industry that can be seen at a glance through numbers. "Risk, income and liquidity" basically endows all products with vitality, so compared with other industries, the extra profits created by information asymmetry will not be too much, so the so-called excess returns brought by strength (that is, higher returns under the same risk and liquidity conditions) are precious. Then, if you are lucky enough to enter a platform with this product, your life will be very moist, otherwise, it will be more difficult.
2. In product sales-oriented sub-sectors (such as brokers and bank account managers), most sales are not demand-oriented, but top-down product-oriented. Various tasks and indicators have long forced everyone to give up the professional ideal of "scientifically allocating assets for customers", and "maximizing sales tasks under the premise of reasonably controlling customer risks" means "maximizing customer interests". Completely objective and independent third-party financial sales organizations are not mature in China, and it is difficult to change this situation for the time being in the short term.