市场回暖，银行信贷员的日子怎么反而变难了？

Core Viewpoint - The article discusses the challenges faced by bank credit managers despite an increase in loan orders, highlighting issues such as reduced income, rising bad debt rates, and increased marketing costs in a competitive environment [3][4][6]. Group 1: Loan Market Dynamics - Since September last year, the reduction of purchase restrictions has led to a surge in demand, particularly in cities like Shanghai, where monthly transactions exceeded 20,000 units [4][10]. - Despite the increase in loan orders, many credit managers report stagnant or declining incomes due to lower loan amounts and profit margins, with some experiencing a reduction in income to the minimum wage level [9][10][11]. - The average loan amounts have decreased, with clients opting for lower leverage, resulting in a shift from 70% loan-to-value ratios to many clients now borrowing only 50% [12][13]. Group 2: Bad Debt Concerns - The rising bad debt rates are a significant concern for credit managers, with many facing potential defaults on loans issued during the 2021 period [20][24]. - The probability of bad debts has increased, with reports indicating that what used to be 0-1 bad debts per 100 loans has risen to 2-3 [24][25]. - The impact of bad debts is severe, as it can lead to the return of commissions and deductions from monthly income for credit managers [23][26]. Group 3: Increased Marketing Costs - Credit departments are experiencing rising marketing costs as they seek to acquire clients in a challenging market [27][29]. - The competition for quality clients has intensified, leading to banks investing more in marketing efforts to attract customers [30][31]. - The shift in focus from traditional client acquisition methods to leveraging channels for client referrals reflects the current market dynamics [30][41]. Group 4: Employee Retention and Morale - The banking sector is witnessing high turnover rates among credit managers, with many leaving for less stressful roles or different industries altogether [33][36]. - The pressure from KPIs is causing significant stress, leading some employees to seek alternative career paths or side jobs to supplement their income [34][42]. - The overall morale among credit managers appears low, with many showing signs of stress and fatigue due to the current market conditions [38][40].