People who are engaged in collection appraisal in pawn shops are called pawnbrokers by people in the industry, that is, the "Chao Feng" of old pawn shops. When it comes to pawn shops, people may immediately think of tall shops and high counters with the word "pawn". In my impression, this is a profession representing "exploitation", which is quite mysterious. Today, however, Mr. Chao Feng, who once hated him, has become a kind-hearted pawn appraiser. Customers are no longer "too poor to open a pot" in the old days, but there are many business owners and well-paid white-collar workers. ...
Pawnbrokers are in short supply.
"You this watch is Swiss omega hippocampus series, at least 78 years. Gold 1000 yuan or so. " Only by looking at someone else's wrist watch, can the young pawnbroker Wang Wenyu confidently say the valuation.
"Now the pawn is completely different from the past. In the past, when people really couldn't get through, they went to the pawnshop to pay for their meals. Now people come to pawn things, mainly for liquidity. " According to Wang Wenzhao, more and more people need short-term liquidity now. Business funds cannot be turned over. Someone in the family is sick and hospitalized, and the children have to pay tuition when they start school. People will pawn things. As long as you get all the documents, you can get the money on the spot.
Wu Xianda, president of Shanghai Pawn Industry Association, told reporters that last year, Shanghai * * * achieved a pawn scale of 6.44 billion yuan, a year-on-year increase of 13%. On average, 1.8 people in Shanghai have been to pawn shops, which has become another window for Shanghainese to manage their finances. Only when pawn shops are more and more accepted and developing rapidly, the shortage of talents has become a factor restricting the development of pawn shops.
Since the first pawnshop Shanghai Hengyuan Pawnshop 1988 officially opened, there are 67 pawnbrokers in Shanghai. If each pawnshop needs an average of 5 pawnbrokers, it needs at least 300 pawnbrokers. Wu Xianda predicted that although the pawn shop competition is still in a calm state, the pawn talent war is on the verge, and there is a big gap between the huge talent demand and the marginal talent supply. According to statistics, there are 2052 registered pawnbrokers in China, and there are about 20,000 pawnbrokers nationwide. With the rapid development of pawn industry, the demand for pawnbrokers will double in the next five years.
Wang Fuming, general manager of Shanghai Oriental Pawnshop, analyzed the reasons for the shortage of talents in the pawn industry: First, the pawn industry is a marginal industry with few employees; Secondly, the training period of pawn talents is long. The business scope of pawn shops covers everything, including all kinds of movable or immovable property, such as real estate, cars, watches, jewelry, national debt, stocks and so on. , may become collateral. This requires practitioners not only to dabble in all aspects of knowledge, but also to learn legal knowledge such as financial regulations, civil law, commercial law, contract law, and corporate accounting and taxation.
Pawnbrokers are versatile talents.
What qualities should a qualified pawnbroker possess? Wu Xianda believes: "Pawnbrokers should have knowledge of financial loans, laws and regulations, commodity appraisal, market awareness and risk prevention."
Wang Wenyu told reporters that although pawnbrokers don't need to be as proficient in this profession as professionals in a certain field, they should be "all-rounder". This "ability" means not only a broad understanding of various products, but also an understanding of related markets. Pawnshops will evaluate different items according to the second-hand market situation, the old and new conditions of items, uses and functions, certificates and invoices of special items, etc. Generally, this evaluation is based on rich working experience, and then the final result is confirmed by the identification of instruments. "The pawnbroker is actually an appraiser. When an item is placed there, you should have a rough estimate immediately, which requires the pawnbroker not only to understand the value of the pawn itself, the current market price, but also to understand the value trend in the next few months. " According to Wang Wenyu, some pawns, such as mobile phones, digital cameras, computers and other high-tech products, have been updated very quickly. If the pawnbroker is paid back at the current price, the customer will not redeem it in a few months, which is very risky.
In recent years, almost all newly opened pawn shops have paid a lot of tuition fees because of the lack of specialized personnel. For example, shortly after the opening of a pawnshop, someone pawned a gold necklace. Months passed, and the pawnbroker still didn't come to redeem it. After careful identification, it is found that only 1/3 of this necklace is real gold, and the other 2/3 is covered with gold.
How to become a pawnbroker
Pawn industry is a marginal industry. Basically, as long as you are interested, you can do it through study. Experience in pawn industry is very important. To be an independent pawnbroker, even a college graduate, you should learn bit by bit from scratch.
Wang Wenyu is 3 1 year old. He used to be an accountant in the financial and insurance system. I like to play with cameras, watches and household appliances in my spare time, and I am quite proficient. Unexpectedly, this hobby opened the door for him to be a pawnbroker. At 200 1, Wang Wenyu entered the pawnshop and started his apprenticeship. In order to exercise his eyesight, he often runs into major shopping malls, electronic malls, automobile markets and gold shops to see new products, record prices, and sometimes go to flea markets to understand the market. He has a notebook, which records the origin of thousands of commodities, the prices of different shopping malls and the price segments of the same commodity in different periods.
Wu Xianda told reporters that most of the existing pawn shops grew up in the practice of Rainbow Wenyu. However, in order to cope with the upcoming peak demand for talents, workshop-style training methods must be abandoned. At present, the Oriental Pawnshop has joined hands with China Normal University to set up training courses for pawnbrokers from time to time, and Donghua University has also set up a pawn specialty to solve the problem of talent shortage in this field.