Author: cosmic Purple Light

Source: Taobu bar

In the golden autumn of October 2018, if you have any regret medicine to take, casually ask people who invest in stocks around you, many may regret that they should not have entered the market. Many people, many years ago, no matter what their original intention of entering the market was to gamble, to play, or to dream of getting rich, now, facing the low of 2536 in October 2018, they are more likely to cry without tears. And can express feelings, but also turn off the lights to eat noodles, but also can dry tears, look forward to the dawn of tomorrow, are good, some people, may regret for life, rest in the ground, I hope there is no torture market.

It is the first step that costs troublesome. This is especially true for writing articles. This title was used in the last article. I want to express a lot of things that seem difficult, but after doing it again and again, it will not be so difficult for the third time. Today, I want to write an article to commemorate those people and things in the stock market. Maybe some things are relatively new, there is no cooling in my mind, lack of so little thinking, just regard it as my random thoughts at the moment, and take a picture for the future.

There are a lot of stories. Let's talk about the things around us first. The securities business department, as a service organization closest to the securities market for shareholders, is also the most basic organization in the industry. It's just that it's normal to have one or two colleagues in the past year. There is a serious loss of staff in our sales department this year, which has exceeded any year in the past twenty years. At present, there are only two people left in a team of more than a dozen account managers, serving nearly 10,000 customers in the sales department. This is the status quo. There are many reasons for leaving, such as the atmosphere of the company, the management level of leaders, personal development planning, disappointment in the industry, and so on.

In the stock market, customers need professional services. For example, in a transaction, when they encounter trading problems, they want to get feedback and solution as soon as possible, but if they ask a new person or lack of experience, they may need to consult more experienced employees. The transaction is instantaneous and may be delayed for a few minutes, and the customer's buying and selling varies according to the change of the market price. Even if you click on the wrong code for reverse repurchase, it will cause the funds to be occupied for how many days, thus affecting normal life. The professional requirements of the securities market is very high, to train a qualified account manager or investment consultant, without more than one round of conversion of the market, such account managers can not be considered qualified. There are not many things to say. Here, it is suggested that practitioners should strengthen their business ability to learn and improve their ability to deal with customers. And our customers, try to choose experienced, responsible account managers, in the critical time, you will know how useful they are. When you have a problem and ask for help, no matter how anxious you are, prevaricate your account manager with procedures and compliance, and it's best to stay away in the future. After all, you are a customer, and your needs can often be solved in a reasonable way.

For those who are still on the front line, many people may be out of love for the stock market. Otherwise, often in the face of complaining customers, endless task indicators, boring reports, ruthless leadership, increasingly low social status, a falling market, this psychological tolerance must be strong. The stock market is changing all the time, and there is new knowledge to learn every day. Trade wars, RMB exchange rate, real estate purchase restrictions are all basic necessities, not to mention that even Trump's Twitter should follow. Sometimes we have to gossip about which chairman has jumped from a building, which chairman has resigned, and which chairman has lost contact, we have to care, otherwise customers ask which company has collapsed and can't answer what to do? Therefore, we all feel sorry for the account manager around us, more respect, more understanding, more support.

The employees are with the money of cabbage and the heart of selling white powder. But the customer's situation is really worse than that. Here's a real example of a customer. It's a little extreme, but it's real life.

Customer A, before retiring, was a middle-level cadre of a factory near the sales department. A factory is a military enterprise, which has gone downhill in recent years, and ordinary employees can only get two or three thousand yuan a month. He is slightly taller and has some savings before he retires. There is nothing wrong with retiring. My wife is also an ordinary employee. In order to improve her life, she comes to the sales department every day. He has nearly 1 million yuan in assets, more than other customers in the room, does not like the retail investors on the first floor, trades independently, trades frequently, and makes some price differences. Often come to our account manager to ask about stock issues. We have a good impression of him, and unlike others, he doesn't make unreasonable demands. He is a high-quality customer, and he agrees to ask him for help with any task. In those years, the market fluctuated, and as an old investor, although his assets were basically in the stock market, he made some difference and basically made a profit and loss. But things changed after the suspension of trading in one of his heavy stocks. I remember clearly that once he came to me with a newspaper and said that there was a report about his stock and that he could participate in the claim. I took a look, at that time, I was biased against this kind of claim, not to mention how long it will take. I don't know whether this kind of claim can be compensated, how much it can compensate, and how much loss can be alleviated by the customer. In short, it is ineffective and long. But after all, it is his hope. I suggest that he type out the delivery order and participate in the claim in the way described in the newspaper.

A few days later, he brought his lover to our sales department to find me. As they spoke, they could feel a trace of dissatisfaction and reproach from his lover. He said that he had retired and had a good life, but he had to come to invest in stocks. And stepped on a landmine like this. If you buy less, it's okay, but you bought this with a full warehouse. He just bowed his head and said nothing, admitting his mistake. His wife may feel that it is not good to talk too much in front of us, and he does not say anything more. It feels like the kind of woman who is knowledgeable and reasonable. I comforted them for a while, helped them finish the business they needed to do, and told them about the claim fee. Because of this matter, our colleagues discussed it later. at that time, the fundamentals of the company and the industry were not too bad from the announcement level, and one colleague even revealed that he had recommended this stock to others before and was more optimistic about this stock, and this client was right next to him.

During the suspension of the stock, another stock in the industry, Big carbon, even walked out of the trend of Daniel. Become a star stock of 2017. If the stock is operated normally, the resumption of trading of the stock will not be too bad. During this period, due to the on-site adjustment of the business department, this customer transferred all the shares to other brokerages, and we no longer paid attention to them. It was just that when the stock resumed trading, we followed the trend, and he should still have a chance to sell. It is estimated that if it is sold at the opening, there should be more than 600,000 yuan. I didn't care about it anymore.

Yesterday, an original on-site customer of the sales department told me that A had left. I was fooled. He is in his seventies and looks all right. Then he told me that the night he left was when the stock announcement entered the delisting period. Cardiac infarction. They all said they were angry to death. He has been depressed ever since he bought that stock. He left, worthless, without waiting for the day when the stock was delisted from the capital market. The stock has no soul and can not feel the despair of the old man. As onlookers, we can't imagine the pain and suffering of the last moment of his life. Some people will even use a sentence in cold blood: the stock market is risky and investment should be cautious. Can the participants in the market feel desolate and desolate?

Client B, professional investor. At the end of 17 years, after making a basic judgment on the market, he used 2 million of his own funds as a guarantee and raised 15 million of the funds. Chong Cang bought two stocks, Jin Yi Culture and Yu Diamond. In the middle of this year, he lost all his own funds. The rest of the stock is returned to the client on a pro rata basis. One of the clients, a retired cadre of a government unit, has a pension of 10,000 yuan per month. His lifetime savings in the agency are 2.9 million yuan, but there is not much left. After June, they are reluctant to cut meat, and the stock price continues to be at a new low.

Client C, professional investor. It has its own capital of 10 million, and the sales department has two financial customers. After a continuous decline, there is only 700000 yuan left in its own capital. Support the family by driving Didi. Long-term value investment concept

Customer D, small business owner. Cash assets of 20 million, 12 sets of real estate in Nanjing. The stock market crash of the past two years, plus leverage, burst positions, so far 11 houses have been sold.

Customer E, enterprise boss. The physical volume is unknown and the stock assets are 30 million. At present, there are more than 3 million yuan of its own funds left. Long-term value investment concept

Client F, professional investor, female. At the beginning of 15 years, it had its own capital of 80 million yuan, and now it has hundreds of thousands of funds. His son has not yet bought a new house for marriage. Long-term value investment concept

Client G, doctor. It has its own capital of 8 million yuan and current assets of 2 million yuan. Long-term value investment concept

Customer H, employee of foreign company. I work out of town. It has its own capital of 3 million yuan, and at present it has 200000 yuan left.

Customer I, bank clerk. It has its own capital of 500000, the clients of Liangxiang and Liangxiang, and now has its own capital of 40, 000.

The customers around us, the financial and financial customers, if it is a long-term value investment, basically the principal remains less than 90% discount. Ordinary customers, in addition to the layout in blue-chip stocks a few years ago, basically can barely maintain profits, the rest of the customers, without leverage, the principal can still be left half. Many people say that this year's decline has seriously affected life, much worse than the stock market crash in 2015. How many people, how many families, the wealth accumulated over the years has gone up in smoke. This is a group of urban elites, who are outstanding in their respective industries, and now they have made heavy losses in the stock market, have been criticized by their families, and some have divorced, changing the direction of the whole family. From these extreme but common examples, we can see that when investing in the stock market, we must have a sense of risk, try not to use leverage, use spare money, own funds, and money that can afford to play, so that life can be affected at most and cannot be magnified to be out of control. The group of people who lost the least this year are still the ultra-short wave of investors. The days can be said to be moist. Because of its operating style, it is less likely to step on a landmine and it is easier to survive in such a market.

Just finished writing this, a client sent a message to Wechat, understanding that there is no IPO hearing next week means that there is no suspension of new shares, saying that the policy layer can't stand it. I told him to watch the news carefully. But from the bottom of my heart, I hope that management will see the pain of the market participants, instead of saying that the leaders are at ease.

Originally, many stories can be written, but when it comes to words, many people's pain after losing money, I really can not express it in my dry words. Those people behind, those things, the countless sleepless nights in the process of losing money, are not really incomprehensible to market participants. All I can think of is that stock market investors, many people, go out, squeeze buses, ride dilapidated bikes, eat Coke for lunch on steamed buns, dress sloppily and stand in line early in the morning to buy cheap eggs for a few cents. These people, hundreds of thousands, millions of dollars in their accounts, these losses are enough for them to enjoy the rest of their lives. Alas, I don't know what to say, a sigh.