Group 1 - The core viewpoint of the article highlights the increasing difficulty for finance graduates to secure jobs due to various industry trends and structural changes [2][27]. - The first reason identified is the accelerated supply-side reform in the financial industry, leading to a concentration of industry leaders and a reduction in job positions, particularly due to the merger of local banks [4][5]. - The second reason is the shift towards online services, resulting in a significant reduction in the demand for physical bank branches, with over 9,000 branches closed in the past 26 years [7][8]. - The third reason involves a transformation in business structure, where the shift to online sales reduces the need for personnel, as seen in the fund sales sector [11][12]. - The fourth reason is the unprecedented low interest rate environment, which compresses profit margins and reduces the number of individuals dependent on this income source [15][16]. - The fifth reason discusses the challenges of a low-fee era, particularly affecting brokerage research departments that rely heavily on institutional commissions [17][18]. - The sixth reason points to policy direction affecting business structures, particularly in the IPO market, where firms must focus on specific sectors to survive [20][21]. - The seventh reason is the overall weak demand for credit, with banks facing challenges in personal loans and a shift in the distribution of bonds [22]. - The eighth reason highlights the impact of AI on efficiency, leading to a decrease in demand for basic operational roles [23][24]. - The ninth reason discusses the trend of centralized channel operations, particularly in the insurance industry, which focuses on binding core channels for wholesale business [25]. Group 2 - The article concludes that the difficulty in job hunting is a collective issue rather than an individual one, emphasizing the need for targeted approaches in career planning [27]. - It suggests that potential job seekers should focus on areas related to human interaction, such as wealth management, which will remain in demand despite technological advancements [29].