市场回暖，银行信贷员的日子怎么反而变难了？

Core Viewpoint - The credit managers in banks are experiencing a paradox where the volume of loans has increased, but their income has decreased due to various factors affecting the lending environment [5][17][28]. Group 1: Loan Volume and Income - Since September last year, the reduction in purchase restrictions has led to a surge in demand, particularly in cities like Shanghai, where over 26,000 second-hand residential transactions occurred in a single month [3][4]. - Despite the increase in loan applications, individual credit managers report only a 10% to 20% increase in their workload, with many contracts having lower loan amounts and profit margins [8][10]. - The average interest rates for loans have decreased, with first-home loan rates dropping from 4.1% to 3.5%, leading to reduced profitability for credit managers [14]. Group 2: Bad Debt Concerns - The rising bad debt rates are a significant concern for credit managers, with many experiencing an increase in the number of loans turning into bad debts compared to previous years [18][24]. - A notable portion of the loans held by credit managers is from 2021, with many clients unable to repay due to decreased property values and cash flow issues [19][20]. - The increase in bad debts directly impacts credit managers' income, as they may have to return commissions and face deductions from their salaries [23][28]. Group 3: Marketing and Client Acquisition - Credit departments are incurring higher marketing costs to attract clients, as the competition for quality clients has intensified [29][30]. - The current environment has shifted from banks seeking clients to credit managers actively visiting channel companies to secure customer leads [32]. - The need for marketing expenses reflects the challenges in client acquisition, with banks offering varying incentives to channels for customer referrals [31]. Group 4: Employee Dynamics and Morale - The pressure from KPIs has led to high turnover rates among credit managers, with many seeking opportunities outside the banking sector or changing jobs frequently [36][38]. - Some credit managers are exploring alternative income sources or side jobs to cope with the financial strain [40][41]. - The overall morale among credit managers appears low, with many showing signs of stress and fatigue due to the challenging market conditions [42][44].