A (Reporter / Zhu Guifang) yesterday, CITIC Bank (4.37,0.08,1.86%, right) in Guangzhou in the near future release of the development of enterprise annuities --- brand new, "the letter Fu annuity." It is reported that this is the first of China's enterprise annuity brand, aimed at breaking the annuity business in the area over the past few years, "only business promotion, no product" pattern. The bank is responsible for about disclose, "the letter pension fu" brand into China Life Insurance (19.68,0.58,3.04%, it), Taiping Life, Ping An of China (26.22, -0.08, -0.30%, right), Taikang pension, insurance Xinhua Institutions such as pension management as a strategic co-operation agencies, so that the enterprise annuity for each of the beneficiaries of the service more focused, more in the form of diversification.
Hosting one-stop investment account management
Annuity business is business and trade unions to participate in the basic old-age insurance in accordance with the law on the basis of the establishment of a voluntary supplementary old-age insurance system. Annuity business has become the country's social old-age insurance system in the second pillar. At present, the national human resources and Social Security Department of Labor has approved trustee, including eligibility, qualified trustees, investment manager qualifications, account manager qualifications, including 58 enterprises eligible for pension management. At the same time be able to have a number of qualified financial institutions to small. According to official said CITIC Bank, Chinatrust Financial Holding Group companies have received all eligible 4, covers the operation of the enterprise annuity in need of trustees, custodians, investment manager, account manager for all eligible licenses, , "The letter pension fu" brand of operational success is a matter of course.
The source said that CITIC Bank, "the letter pension fu" Customer service is not limited to large and medium-sized enterprises, "the letter pension fu," the introduction of the four annuity products and annuity products, pan, covering all levels of customer groups, to meet customer demand for multi-dimensional. At the same time, in order to differentiate the products, services, to implement a systematic and integrated solutions to solve different problems annuity business, enterprise development, the interests of investors and the social responsibility of the win-win-win situation.
Annuity business in 2010 is expected to scale up to 1 trillion
2004 "on a trial basis annuity business" since it was launched, China's enterprise annuity market has experienced steady and rapid development. In 2008 the State Council, points should be made to standardize the development of the enterprise annuity system, some developed countries also proves that the practice of enterprise annuity business to enhance the cohesion and improve the competitiveness of enterprises, the social old-age insurance system to make up for deficiencies in such areas have played a positive role.
According to statistics, as of the end of 2006, the National Pension scale up to 91,000,000,000 yuan, in 2007, the National Enterprise of the total size of the annuity reached 130,000,000,000 yuan, the annual increment of 400 billion yuan, and two years in a row to maintain more than 40% growth. According to the China Insurance Regulatory Commission predicts that by 2010 China's enterprise annuity will reach 1,000,000,000,000 yuan, the participants will be more than 100,000,000 people. The World Bank forecast that by 2030 China will be up to the scale of enterprise annuities by about 15 trillion yuan to become the world's third-largest corporate pension market.
However, some experts pointed out that China's imbalance in the structure of enterprise annuities, annuity business in good economic sectors in particular, several of monopoly industries developed rapidly, the current corporate pension funds have accumulated over a hundred million the concentrate all the power industry, petrochemicals, Oil, mining, steel and telecommunications industries, a number of economically underdeveloped inland areas of the enterprise annuity business has not even start. The establishment of enterprise annuities state-owned enterprises was significantly higher than the proportion of private enterprises, foreign-funded enterprises to start a positive sign. A relatively small number of enterprises have set up enterprise annuities will, however, often cumbersome procedures, the relatively high cost, less involved in the present.
In this regard, the CITIC investment experts believe that countries with the introduction of Social Security, labor-related pension scheme, may be more attractive to small and medium enterprises. As a result, CITIC's pension in the positioning of the brand than the targeted small and medium enterprises.
Oct 19, 2008
Lehman bankruptcy indirect impact on the country safe life Taibao
Lehman Brothers bankruptcy, the loan-to-meeting came tumbling domino collapse of the "Wall Street of the tsunami," the rapid spread AIG (American International Group), Merrill Lynch, Goldman Sachs and global financial institutions such as the Moroccan stock market a crane Li, China's A shares is no exception .
Ping An of China to become Taibao 16 after a second below the issue price of insurance stocks, 17, after China Life is also below its IPO price.
Although the Chinese government for emergency rescue the market, several bursts of 2 token good - the central bank to reduce bad loans, the Ministry of Finance unilateral imposition of stamp duty, the stock rose only 2 days, 3 days once again divide concussion. September 23, China Ping An of 4.02 percent callback, China Pacific Insurance had callbacks 4.23 percent, China Life has been back 0.39 percent. Sept. 25, insurance stocks rose to restore momentum. In this regard, the insurance industry are generally of the view that this year will be the most difficult year for insurance companies, but by Lehman limited direct impact on events.
A conduction path:
Lehman Fortis Ping An of China
But the indirect impact is enough to worry investors, Ping An of China's reaction on the stock price sensitive. Sept. 16-18 3 days time, its share price fell to 40.28 yuan from 30.66 yuan, 18, even after dropping as low to 30.20 yuan. "This investment with Fortis have a huge amount of Fukui's not unrelated." Orient Securities analyst Wang Xiaogang insurance point of view generally accepted by the industry. According to the Fortis on September 15 issued a notice, the holders of bonds Lehman Brothers 137,000,000 euros, the reverse repurchase transactions 270,000,000 euros, CDS transactions arising from the loss of 7,000,000 euros. Affected by this, Fortis share prices fell sharply. According to Ping An of China Center Daily News in 2008 revealed that the holders of Fortis Group 10529.18 million shares, accounting for 4.6 percent stake in Fortis, the initial investment amount of 21.7 billion. According to another September 24 Fortis (FOR B) closing price of 7.265 euros calculation, the part of the shares of the market value of only about 7.7 billion in the investment, China has reached safely Fukui 14,000,000,000 yuan.
It is clear that Lehman bankruptcy, people are worried that foreign investment bank's financial security, the domestic insurance industry will be affected directly. "China and Bulgaria have just met to discuss the matter, we believe that the direct impact of not fully apparent, is still mainly an indirect impact." Taiping Asset Management 23 people told reporters that "the most direct impact on the market through to Impact on insurance stocks. "
The insurance companies have listed a few days ago that the public does not hold Lehman and related bonds, including 3 of the A-share listed insurance companies - China Ping An, China Life, China Pacific Insurance 2 and H shares listed on the insurance companies -- - PICC Property Insurance, China Insurance International. Experts believe that this is closely related to their QDII quota, China Life, China Pacific Insurance and Ping An of China's QDII quotas are on total assets at the end of the line of 2%, 15% and 0%.
"At present, a large number of direct overseas bonds held by insurance organizations, no." Taiping Asset Management who told reporters that "Moreover, in order to prevent risks, insurance companies will not focus on a single investment product." It is reported that China Life's overseas investment Is its foreign currency assets into foreign exchange investment, China Ping An's Hong Kong equity funds for investment.
"Intertwined with both internal and external markets, investor psychology is very fragile peace in the short term after the break down and seek support." Country of the Securities analyst Kim Sheu said. The evening of Sept. 18, the unilateral imposition of stamp duty on the introduction of the policy, the market interpreted as the stock market down to save a clear signal, A shares will then depart on the 19th to open high-high-go, even insurance stocks also closed limit 2. But not last, 23, once again began to fall into a state adjustment.
Orient Securities that Wang Xiaogang, insurance shares in the future, following the trend to see whether the market, "followed by European financial system is a smooth development of the sub-loan crisis in the United States, as well as the development of the situation, the insurance sector are to be pressure."
Second conduction path:
Chinese banks, insurance companies Lehman
The central bank adopted a "dual-rate" policy down a combination of boxing, insurance industry analysts generally agreed that "a bit more negative impact on the insurance industry."
Securities and investment in Thu Duc Xu pointed out that as a result of China's Ping An Insurance Companies represented almost no configuration overseas bonds, the Lehman Brothers insolvency of insurance companies will not have a direct impact on the bond assets, but taking into account the part of banks to buy bonds, as well as a number of Lehman Overseas bonds in the global economic outlook not optimistic expectations, the stock assets of insurance companies, especially banks, may face substantially reduced.
CICC researcher Zhou also believes that this asymmetric cut interest rates so that the spread narrowed so that the bank stocks were hit for a large number of bank shares held by the Life Insurance Company, its equity investment income will be further deteriorated.
Public information, as of the end of Aug, safely held by the Chinese banking stocks were the development of deep-A stock for shares 10924.31, 2586.20 million shares held by CITIC Bank, Shanghai Pudong Development Bank have to be 25287.85 million shares, Minsheng Bank to hold 92820.00 Million shares.
It is learned that the involvement of the Bank of China's stock market crash, Lehman bankruptcy within 3 days, China Life's investment income from Fukui losses as high as 11 billion dollars. Wind data show that China Life shares held by Bank 460,000,000 shares held by Industrial and Commercial Bank of 870,000,000 shares of stock.
A few days ago a number of domestic listed banks to disclose its holdings of Lehman Brothers related to the amount of bonds, according to the summary, bonds amounted to 722,000,000 U.S. dollars, of which Lehman bonds held by China Construction Bank listed on the bank balance of home first, to 191,000,000 U.S. dollars, followed by Bank of China is holding the balance of 152,000,000 U.S. dollars bond, in addition to the Industrial and Commercial Bank, China Merchants Bank, Industrial Bank, Bank of Communications, CITIC Bank, Shenzhen Development Bank and Minsheng Bank to varying degrees are held by Lehman bonds, which fall into emerging market banks The direct fuse.
Another analyst said that the fear of descending into the cycle of the national economy and low interest rate loan, the bank may have Xidai, will be a lot of money on asset allocation to bonds, leading to higher bond prices and bond yields will be more Lower.
Loan-to-time impact Rengshi Mi
However, despite the deterioration of the environment, a lot of concern, analysts did not lose confidence in the insurance industry.
Ping An of China to become Taibao 16 after a second below the issue price of insurance stocks, 17, after China Life is also below its IPO price.
Although the Chinese government for emergency rescue the market, several bursts of 2 token good - the central bank to reduce bad loans, the Ministry of Finance unilateral imposition of stamp duty, the stock rose only 2 days, 3 days once again divide concussion. September 23, China Ping An of 4.02 percent callback, China Pacific Insurance had callbacks 4.23 percent, China Life has been back 0.39 percent. Sept. 25, insurance stocks rose to restore momentum. In this regard, the insurance industry are generally of the view that this year will be the most difficult year for insurance companies, but by Lehman limited direct impact on events.
A conduction path:
Lehman Fortis Ping An of China
But the indirect impact is enough to worry investors, Ping An of China's reaction on the stock price sensitive. Sept. 16-18 3 days time, its share price fell to 40.28 yuan from 30.66 yuan, 18, even after dropping as low to 30.20 yuan. "This investment with Fortis have a huge amount of Fukui's not unrelated." Orient Securities analyst Wang Xiaogang insurance point of view generally accepted by the industry. According to the Fortis on September 15 issued a notice, the holders of bonds Lehman Brothers 137,000,000 euros, the reverse repurchase transactions 270,000,000 euros, CDS transactions arising from the loss of 7,000,000 euros. Affected by this, Fortis share prices fell sharply. According to Ping An of China Center Daily News in 2008 revealed that the holders of Fortis Group 10529.18 million shares, accounting for 4.6 percent stake in Fortis, the initial investment amount of 21.7 billion. According to another September 24 Fortis (FOR B) closing price of 7.265 euros calculation, the part of the shares of the market value of only about 7.7 billion in the investment, China has reached safely Fukui 14,000,000,000 yuan.
It is clear that Lehman bankruptcy, people are worried that foreign investment bank's financial security, the domestic insurance industry will be affected directly. "China and Bulgaria have just met to discuss the matter, we believe that the direct impact of not fully apparent, is still mainly an indirect impact." Taiping Asset Management 23 people told reporters that "the most direct impact on the market through to Impact on insurance stocks. "
The insurance companies have listed a few days ago that the public does not hold Lehman and related bonds, including 3 of the A-share listed insurance companies - China Ping An, China Life, China Pacific Insurance 2 and H shares listed on the insurance companies -- - PICC Property Insurance, China Insurance International. Experts believe that this is closely related to their QDII quota, China Life, China Pacific Insurance and Ping An of China's QDII quotas are on total assets at the end of the line of 2%, 15% and 0%.
"At present, a large number of direct overseas bonds held by insurance organizations, no." Taiping Asset Management who told reporters that "Moreover, in order to prevent risks, insurance companies will not focus on a single investment product." It is reported that China Life's overseas investment Is its foreign currency assets into foreign exchange investment, China Ping An's Hong Kong equity funds for investment.
"Intertwined with both internal and external markets, investor psychology is very fragile peace in the short term after the break down and seek support." Country of the Securities analyst Kim Sheu said. The evening of Sept. 18, the unilateral imposition of stamp duty on the introduction of the policy, the market interpreted as the stock market down to save a clear signal, A shares will then depart on the 19th to open high-high-go, even insurance stocks also closed limit 2. But not last, 23, once again began to fall into a state adjustment.
Orient Securities that Wang Xiaogang, insurance shares in the future, following the trend to see whether the market, "followed by European financial system is a smooth development of the sub-loan crisis in the United States, as well as the development of the situation, the insurance sector are to be pressure."
Second conduction path:
Chinese banks, insurance companies Lehman
The central bank adopted a "dual-rate" policy down a combination of boxing, insurance industry analysts generally agreed that "a bit more negative impact on the insurance industry."
Securities and investment in Thu Duc Xu pointed out that as a result of China's Ping An Insurance Companies represented almost no configuration overseas bonds, the Lehman Brothers insolvency of insurance companies will not have a direct impact on the bond assets, but taking into account the part of banks to buy bonds, as well as a number of Lehman Overseas bonds in the global economic outlook not optimistic expectations, the stock assets of insurance companies, especially banks, may face substantially reduced.
CICC researcher Zhou also believes that this asymmetric cut interest rates so that the spread narrowed so that the bank stocks were hit for a large number of bank shares held by the Life Insurance Company, its equity investment income will be further deteriorated.
Public information, as of the end of Aug, safely held by the Chinese banking stocks were the development of deep-A stock for shares 10924.31, 2586.20 million shares held by CITIC Bank, Shanghai Pudong Development Bank have to be 25287.85 million shares, Minsheng Bank to hold 92820.00 Million shares.
It is learned that the involvement of the Bank of China's stock market crash, Lehman bankruptcy within 3 days, China Life's investment income from Fukui losses as high as 11 billion dollars. Wind data show that China Life shares held by Bank 460,000,000 shares held by Industrial and Commercial Bank of 870,000,000 shares of stock.
A few days ago a number of domestic listed banks to disclose its holdings of Lehman Brothers related to the amount of bonds, according to the summary, bonds amounted to 722,000,000 U.S. dollars, of which Lehman bonds held by China Construction Bank listed on the bank balance of home first, to 191,000,000 U.S. dollars, followed by Bank of China is holding the balance of 152,000,000 U.S. dollars bond, in addition to the Industrial and Commercial Bank, China Merchants Bank, Industrial Bank, Bank of Communications, CITIC Bank, Shenzhen Development Bank and Minsheng Bank to varying degrees are held by Lehman bonds, which fall into emerging market banks The direct fuse.
Another analyst said that the fear of descending into the cycle of the national economy and low interest rate loan, the bank may have Xidai, will be a lot of money on asset allocation to bonds, leading to higher bond prices and bond yields will be more Lower.
Loan-to-time impact Rengshi Mi
However, despite the deterioration of the environment, a lot of concern, analysts did not lose confidence in the insurance industry.
Oct 17, 2008
Xinhua Life Insurance Company of this reliable?
Xinhua current market share in the National Life Insurance Company ranked No. 4, the second leader of the group (the first group of China Life, Ping An, Pacific, although the foreign companies abroad strong, but has just started in China ).
The following are my doubts and you have friends like the answer, for informational purposes only!
Insurance companies and other sectors of the same nature, are profit-making business, because people seek personal and property security of demand, only the corresponding provision of such products. The Life Insurance Company is the largest number of employees in insurance companies, mainly engaged in the business of individual life policies, people usually come from the insurance companies are more of these.
The reason why he was on view in a new light, I am afraid, because insurance companies generally direct the individual (one to one) sales methods, and one to one marketing approach is characterized by close to close the sale, which is bound to make their marketing and sales staff In other industries and reflect the difference.
Almost all life insurance agents to take the system of marketing system, the system, field sales force is set up, does not belong to the official staff of the company, did not sign labor contracts, which is different from back office staff. Sales performance of considerable pressure, there is no fixed salary (even if the salary is also known as the most performance indicators linked with the responsibility of basic salary, the same you pay for whatever you are, do not have been a number of irresponsible people Huyou), complete According to the performance of domestic helpers, the performance is not a dime of the money has not even be removed, and almost all of the normal operating expenses borne by the private sector to assume its own. And the relationship between the sales force is a more interest in the company's sales have not a sense of belonging, more like an organized self-employed. In view of this, sales in general a short-sighted, do not pay attention to customer service, and even contrary to the laws and rules. Coupled with a lower threshold of the door, the uneven quality of the sales force. Almost the whole world of life insurance sales are not a good word-of-mouth. To reverse this impression may be changed only by an agent system Zhiyuan Zhi. Now, some domestic companies have tried to do this, but the high human cost. China is currently employed in more cases, life insurance companies (including foreign capital) is not necessary to do. Even if it was added as an agent of the system.
The insurance company's internal operations is a very strict norms, executives are often both domestic and foreign elite, even some small-scale domestic insurance companies, standardize their operations also.
So, I think insurance companies are operating very much the norm, but sales of normative is open to question.
If you want to buy insurance, the key is to choose good companies, buy life insurance if, and more recommendation to consider China Life and Ping An Life Insurance, the insurance aspects of small differences, have their own advantages. In general, foreign companies and regulate the operation of the more experienced, but I, first came to the mainland Chinese market, may be inevitable in the early acclimatized, what advantage does not have insurance; on the other hand, the operation of the future international political and economic situation than the effects of , Will be operational risks, after all, you have to buy the life insurance.
If you are into the development of the industry, first of all to consider the recommendations back office jobs, while wages in the early sales may not be as elite, but well-paid elite, after all, very few sales, as far as I know, insurance salesman, the average monthly income of only several hundred dollars, even if The relatively developed areas in Jiangsu, only about 1100 yuan. Moreover, the business can only field line for promotion, insurance companies, the real number of senior positions, they were not. In the insurance companies, is subject to the field of back office management, both within and outside the ground and have insurmountable divide, which is not only the institutional and cultural. If the current subjective and objective conditions you do not take into back office jobs, compared to many other industries, the field sales force is also a good choice. However, you must understand that the development of the field lines must start from the clerk, then in accordance with its rules of promotion, but it is also the promotion and other companies are not the same, complete with your strength and efforts to complete on their own . Liuxupaima rolling set of signs applies only to customers of its own waste has done a competent or even your head, in many cases in order to have you.
If you have considered the clear intention to join the industry to do marketing, there are a few:
1, if you just graduated or just entering the city, a certain lack of social connections and experience-based, Mo advise you to do;
2, if you compare to the character, Bushanyanci, Mo advise you to do;
3, if you insist on doing things has always been lacking, Mo advise you to do;
4, and Latin America do not listen to your promises as indicated, you have eyes, ears, mouth and brain.
5, you may experience the initial stage of the family do not understand, alienated friends, the neighborhood's disdain, the pressure of performance (the insurance companies is not tender, not a dime do not have the money, and even added insult to injury you get out), income Not so good or even better in the past. You will have to be psychologically prepared. But as long as you adhere to it, everything will change, and may even take the initiative to find someone to buy your insurance;
6, so before you want to know things first and try to find out if the AR has done a good heart to do, do not try it with.
If you are determined to do, I think first of all to determine their own insurance marketing model, which is the major direction of the specific ways we can take the time to learn while not worry. The best insurance is a marketing model of regional marketing, that is an option more suited to their customer base, close to home are also fixed the region, dedicated to the development. After a period of time to visit a large number of customers to collect data for the region where the customer to build customer databases, according to the characteristics of clients (with the transactions related factors) and their smaller regional database marketing to do. Guizaijianchi and long-term maintenance. As the number of prospective customers should not be too many, the greed for more chew.
Shen once again been: If you have just graduated or just entering the city, a certain lack of social connections and experience-based, Mo advise you to do! I do not rule out the possibility, of course, also be able to survive, but too few! If you do not have too good of the family Economic support, it is difficult to do so.
The following are my doubts and you have friends like the answer, for informational purposes only!
Insurance companies and other sectors of the same nature, are profit-making business, because people seek personal and property security of demand, only the corresponding provision of such products. The Life Insurance Company is the largest number of employees in insurance companies, mainly engaged in the business of individual life policies, people usually come from the insurance companies are more of these.
The reason why he was on view in a new light, I am afraid, because insurance companies generally direct the individual (one to one) sales methods, and one to one marketing approach is characterized by close to close the sale, which is bound to make their marketing and sales staff In other industries and reflect the difference.
Almost all life insurance agents to take the system of marketing system, the system, field sales force is set up, does not belong to the official staff of the company, did not sign labor contracts, which is different from back office staff. Sales performance of considerable pressure, there is no fixed salary (even if the salary is also known as the most performance indicators linked with the responsibility of basic salary, the same you pay for whatever you are, do not have been a number of irresponsible people Huyou), complete According to the performance of domestic helpers, the performance is not a dime of the money has not even be removed, and almost all of the normal operating expenses borne by the private sector to assume its own. And the relationship between the sales force is a more interest in the company's sales have not a sense of belonging, more like an organized self-employed. In view of this, sales in general a short-sighted, do not pay attention to customer service, and even contrary to the laws and rules. Coupled with a lower threshold of the door, the uneven quality of the sales force. Almost the whole world of life insurance sales are not a good word-of-mouth. To reverse this impression may be changed only by an agent system Zhiyuan Zhi. Now, some domestic companies have tried to do this, but the high human cost. China is currently employed in more cases, life insurance companies (including foreign capital) is not necessary to do. Even if it was added as an agent of the system.
The insurance company's internal operations is a very strict norms, executives are often both domestic and foreign elite, even some small-scale domestic insurance companies, standardize their operations also.
So, I think insurance companies are operating very much the norm, but sales of normative is open to question.
If you want to buy insurance, the key is to choose good companies, buy life insurance if, and more recommendation to consider China Life and Ping An Life Insurance, the insurance aspects of small differences, have their own advantages. In general, foreign companies and regulate the operation of the more experienced, but I, first came to the mainland Chinese market, may be inevitable in the early acclimatized, what advantage does not have insurance; on the other hand, the operation of the future international political and economic situation than the effects of , Will be operational risks, after all, you have to buy the life insurance.
If you are into the development of the industry, first of all to consider the recommendations back office jobs, while wages in the early sales may not be as elite, but well-paid elite, after all, very few sales, as far as I know, insurance salesman, the average monthly income of only several hundred dollars, even if The relatively developed areas in Jiangsu, only about 1100 yuan. Moreover, the business can only field line for promotion, insurance companies, the real number of senior positions, they were not. In the insurance companies, is subject to the field of back office management, both within and outside the ground and have insurmountable divide, which is not only the institutional and cultural. If the current subjective and objective conditions you do not take into back office jobs, compared to many other industries, the field sales force is also a good choice. However, you must understand that the development of the field lines must start from the clerk, then in accordance with its rules of promotion, but it is also the promotion and other companies are not the same, complete with your strength and efforts to complete on their own . Liuxupaima rolling set of signs applies only to customers of its own waste has done a competent or even your head, in many cases in order to have you.
If you have considered the clear intention to join the industry to do marketing, there are a few:
1, if you just graduated or just entering the city, a certain lack of social connections and experience-based, Mo advise you to do;
2, if you compare to the character, Bushanyanci, Mo advise you to do;
3, if you insist on doing things has always been lacking, Mo advise you to do;
4, and Latin America do not listen to your promises as indicated, you have eyes, ears, mouth and brain.
5, you may experience the initial stage of the family do not understand, alienated friends, the neighborhood's disdain, the pressure of performance (the insurance companies is not tender, not a dime do not have the money, and even added insult to injury you get out), income Not so good or even better in the past. You will have to be psychologically prepared. But as long as you adhere to it, everything will change, and may even take the initiative to find someone to buy your insurance;
6, so before you want to know things first and try to find out if the AR has done a good heart to do, do not try it with.
If you are determined to do, I think first of all to determine their own insurance marketing model, which is the major direction of the specific ways we can take the time to learn while not worry. The best insurance is a marketing model of regional marketing, that is an option more suited to their customer base, close to home are also fixed the region, dedicated to the development. After a period of time to visit a large number of customers to collect data for the region where the customer to build customer databases, according to the characteristics of clients (with the transactions related factors) and their smaller regional database marketing to do. Guizaijianchi and long-term maintenance. As the number of prospective customers should not be too many, the greed for more chew.
Shen once again been: If you have just graduated or just entering the city, a certain lack of social connections and experience-based, Mo advise you to do! I do not rule out the possibility, of course, also be able to survive, but too few! If you do not have too good of the family Economic support, it is difficult to do so.
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