大學生:快畢業了,我現在進金融業能賺大錢嗎?

Q:你好,我還是個大學生,目前正在思考自己將來的工作,我認為金融業是離錢最近的地方,所以賺到錢的機率也最高,至少也比較會投資和理財,是不是這樣呢?

A:金融業是離錢最近的地方,這或許沒錯,不過就像是金礦工人也是離黃金最近,鑽石礦工每天都與鑽石為伍,但是說不定他們家裡面都沒有黃金或鑽石。

所以離錢最近並不代表什麼,一來那些錢也不是你的錢,二來你能賺到多少錢,也是由你的本事決定 的,而不是距離錢的遠近。許多網路創業的人,按照你的說法,最接近他們的可能是電腦,而他們的工作跟錢的距離相當遠,但是如果創業成功了,錢也會不辭千里 跑到他們身邊。所以,你何必跑去不屬於自己的錢旁邊呢?

既然你對金融業有興趣,我很推薦你看去年很紅的日劇《半澤直樹》,因為這齣日劇就是在金融業職 場所發生的事情。重點並不在於半澤直樹這個融資課課長怎麼對分行行長的陷害展開反撲,而是要去瞭解,為什麼一個分行的行長,卻要跟鋼鐵公司的社長聯合起來 騙取銀行的貸款?而銀行損失了钜額貸款,身為行長也不可能自己扛這個責任而斷送未來,只好嫁禍給融資課課長。

就像是你說的,在金融業比較會投資和理財,那是因為金融業本來就充滿了各種的投資、理財管道,說不定每天的工作就是負責在銷售各種金融商品,當然懂得怎麼買、怎麼賣,但並不代表交易的結果就比較好。

難道銀行分行的行長就有高強的投資功力,可以靠投資賺很多錢?至少在劇中並非如此,淺野行長就是因為自己投資失敗,所以才會鋌而走險。或許你會說那也只是戲劇,並不是實情,那我們就來看看實際的例子。

基金經理人總是很會投資的人了吧?甚至明星經理人,代表他過去曾經有一段時間,管理的基金有很 不錯的績效,但是這樣的人,卻也一樣,不是靠自己的真本事賺錢,而是用人頭先買了股票,再用代操的政府基金大量買進相同的股票來炒高股價獲利,等自己所買 的股票獲利了結賣光之後,才脫手政府所持有的股票,結果讓代操的政府基金損失上億元。

如果進了金融業,因為離錢最近,那些錢卻又不屬於自己的而起了貪念,最後的結局可能不會是你所想要的。所以重點真的不在於距離錢很近或很遠,而是你在金融業,除了賺到很多錢以外,還有什麼理想和抱負?在進去金融業之前,你瞭解金融業到底靠什麼賺錢了嗎?

舉例來說,當一個理專,收入從哪裡來?其實就是銷售金融商品,像是基金、保險等等,而這些金融商品的交易都會有手續費或傭金,這就是銀行的主要收入之一。我們可以回推一下,如果你想要有一百萬的年薪,你應該要賣出多少金融商品?

假設你和銀行各拿走一半的收入,那麼你的一百萬年薪,意謂的是你要創造兩百萬的手續費收入,而假設金融商品的手續費是百分之一,那麼你就要賣出兩億元的金融商品。

金融業的手續費獲利,並不是來自幫客戶所創造的價值,而是從客戶的資產轉移中拿走一小塊。銀行不是在你投資賺了20%之後,分其中的幾個百分比,而是不管你投資賺錢或輸錢,只要有買有賣,就拿走其中的幾個百分比,你投資不一定賺錢,但是金融業卻一定能從你的資產中分到錢。

當然,金融業並不是全無優點,其實在經濟發展中,金融業的確也扮演著重要的角色。就像是《半澤直樹》劇中,半澤直樹身為融資課的課長,主要的任務就是評估貸款的人或企業財務情況,然後貸款給他們,讓想要創業的人可以拿到資金去開創自己的事業,讓想要擴展事業版圖的公司有足夠的資金,買到更大的廠房、更好的機器、更多的人才。

民眾把暫時用不到的錢存在銀行,銀行用比較高的利息把錢拿出來借給需要的人,存款和貸款的利息差距就是銀行所賺到的錢,而風險就是借錢的人可能還不出錢,所以借錢的人還不起錢的風險越大,貸款利率也就越高,甚至銀行就不借了,於是越缺錢,越借不到錢。

所以,你想進金融業,是想要當一個金融商品的推銷員,承擔公司指派給你必需要達到的業績門檻,從手續費和傭金中拿走一部分當成自己的收入?還是學會怎麼評估貸款的風險,將銀行可以放貸的資金借給需要的人?

如果你只是想賺大錢,其實很多行業都可以賺大錢,金融業不見得是最輕鬆、簡單的一個產業。但是如果你在金融業有自己的使命感,希望自己不只是當一個很會賣基金和保單的業務,而能夠真正擁有財務規劃的專業,真心為客戶著想,每天腦袋裡想的是怎麼幫客戶的資產增值,而不是只計算自己可以賺到多少錢,那麼或許在金融業你會很辛苦,但是我會由衷祝福你能夠一帆風順,完成自己的使命。

About terence0425leung

哲人無憂,智者常樂。並不是因為所愛的一切他都擁有了,而是所擁有的一切他都愛。
本篇發表於 未分類。將永久鏈結加入書籤。

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