Let's start with the conclusion. Not so good.

Small loan business is the best for a period of time around 16, and it is getting worse. It was difficult to do it before, because the competition became more and more fierce, the market was so big, and the volume in the industry became more and more fierce. It is difficult to do it now, because the desire for loans of residents and ordinary people is getting weaker and weaker. Because they have no confidence in the economic prospects, not many people are willing to borrow money. This is a shrinking demand.

What about the microfinance industry and its development prospects?

Also known as microfinance or microfinance, it is a credit service that provides financial support for low-income people or micro-enterprises. As an important part of the inclusive financial system, the company has long adhered to the correct direction of small and micro decentralization, serving "agriculture, rural areas and farmers" and small and micro enterprises, and played an important role in realizing financial innovation and regulating private investment. Due to the differences in regional economic development and other factors, the development of local companies is uneven. With the support of local governments, from south to north and from east to west, state-owned capital and private capital in various provinces have initiated the establishment of companies.

If necessary, we can consider a new credit loan from Ping An Bank. Ping An Bank's new first loan is unsecured and unsecured credit loan, with simple procedures and quick approval. Generally, the approval will be completed within 1-3 working days, and the loan will be released within 1 working day at the earliest, with a quota of 300,000-500,000, and the age requirement is 23-55 years old. You can log in to Ping An Pocket Bank APP- Home-Loans-New Loans to understand and try to apply.

Response time: 2021-12-21. Please refer to the latest business changes announced by Ping An Bank in official website.

Is the loan industry good or not?

The loan industry is not easy to do, as most people know, because there are two kinds of loans. One is the loans issued by formal financial companies themselves. In this case, the amount of loans involved will be relatively large, and the procedures will be cumbersome, making it difficult for customers. The other is similar to online lending. This kind of existence, if it is that kind of telemarketing, is even more difficult in itself.

You can do loan business, but you must go to a formal company, which depends on the size of the company and how long it has been established. If it was established in recent years, you have to think about the development prospects of such a small company after you go. What kind of loan do you make? To put it bluntly, you can do sales with similar sales performance, and you can be a sales supervisor at the highest. What do you think you can do? Do you think sales is a job that requires special knowledge? He is not any job. If he has no threshold, then he has no room for improvement.

The more professional knowledge a job needs, the more abilities it needs. The threshold requires you to have a clear room for promotion. If you get a loan, you can do well when you are young. It's no problem to earn 18 thousand a month, but can you keep doing this? You have made a loan for three years, which is equivalent to sales. Have you learned any professional knowledge? You can't sell it forever. Those young years are only a few years of study, so we should do some serious work with future career development prospects.

Telemarketing loans are even more untouchable, because telemarketing itself is a very difficult job. If you don't make money, you will get bored easily. If you call others every day and someone calls you to promote loans, are you also very upset? When you meet someone with a good temper, you may say don't hang up. It's perfectly normal for you to meet someone with a bad temper and scold you. Therefore, it is not easy to sell electricity. We don't deny that there are people who make a lot of money, but that's only a few people.

Is there a future for loan work? What is the average monthly salary?

There must be. More than 80% of the presidents of grass-roots banks have business backgrounds, which is what we call "bank loans". It is not so easy to do a good job in bank lending.

First, you need strong professional knowledge. How to analyze customer risk, how to control credit risk and how to prevent credit risk requires not only book knowledge but also practical experience.

Second, you need a high emotional intelligence. How to maintain the relationship with credit customers, how to bargain with customers, how to market new credit customers, and how to communicate with superior examination and approval departments all need wisdom. You can't survive in the industry only with credit knowledge.

Third, it needs strong pressure resistance. None of the indicators is easy to accomplish. In order to fulfill the index given by your superiors, you must resist the pressure.

Fourth, we need to have strong self-discipline ability. Credit work is close to customers and easy to be tempted. It is not so easy to resist temptation.

Some people quit automatically because they don't have one; The last one is personal accomplishment, and many capable loan officers finally die on this one. Therefore, all the people who can persist in the bank credit work to the end are talents. The loan department of a bank is the most important profit department of the bank. Talent is gathered here, and it is also the easiest to make achievements, so leadership promotion is also the fastest.

Peer-to-peer lending industry itself is only a kind of private lending, and it is a platform lending method developed in recent years. According to the analysis of Forward-looking Industry Research Institute, from the current situation, major domestic companies have entered the peer-to-peer lending industry, indicating that the industry itself has great development prospects. In fact, as an emerging Internet finance industry in recent years, the peer-to-peer lending industry has a good development prospect. The salary of any commercial post is high, and it is more difficult to get loans than traditional industries, mainly because it is difficult to find customers, while traditional industries are difficult to make deals with customers. If you are psychologically prepared, all kinds of businesses have prerequisites and high salaries, but the average monthly salary is around 10300, you can refer to it.