"The Drifter" 28 - The mystery of the identity of the agent
When Gao Ziyun and Tian Fengying were looking for Yang Xiaolan in Yinyue Town, Yang Yujun was also busy fighting fires!
He first found Zhou Hai and scolded him!
Yang Yujun originally had a good relationship with Zhou Hai, because of his qualifications, Zhou Hai was more advanced than him, and he was promoted to supervisor first, and his personal performance was also excellent.
As a result, he was administratively promoted and integrated several groups, including Zhou Hai. With such an arrangement, although Zhou Hai said that he had nothing to say, who would dare to guarantee that he had no ideas in private?
For people like Zhou Hai, Yang Yujun tries to respect him as much as possible and maintain a friendly relationship.
It is also a compromise strategy for management. With the passage of time, the position of department manager became more and more stable, and the relationship between them gradually stabilized. For some things about Zhou Hai, he was also polite.
For example, robbing people.
The so-called snatching refers to the increase in staff, through improper means to grab newcomers to their own team. The company's rule is that when you join the company, you can't change who is the recommender, and it doesn't matter how you get it before. This gives Zhou Hai room to operate.
Once, a woman came to the company to find a salesman. The salesman happened to be absent, and mobile phones were not so common at that time. The two sides did not contact each other in a timely manner.
Zhou Hai happened to be in the company and asked what he was doing?
The other party said that so-and-so called me to come, and I will come and see.
Zhou Hai immediately put on a smile on his face and warmly invited the newcomer to sit in the office. After several inquiries, the newcomer filled out an entry form in a daze. The recommender is, of course, Zhou Hai.
The newcomer asked: What about my friend, Zhou Hai said the same. You can rest assured that you will not get a lot of your salary, and you will not get any of what you shouldn't.
That's right. But for the real recruiter, it was too angry.
This is Zhou Hai's style of doing things.
Many times, Yang Yujun doesn't care much about Zhou Hai. Whether he is stingy, takes advantage of the team members, or misleads the customer, let him do it. Pretend not to know and be a Maitreya Buddha. Zhou Hai was also responsible for the accident, but the performance was counted as his own department. But now, he had to be angry!
A good Yuan Xiaoping, if he is quiet, he will resign! How did you become a supervisor? And Su Liyong, who has already left his post, also went out of your group. Why can't you stay here, but you have a way to live when you go to Qiankun?
Zhou Hai was not as anxious as he imagined, Zhou Hai said calmly: The legs are long on others, and if you want to go, you can go. I've never relied on others, it's a big deal to make my own bills!
These salesmen have no sense of gratitude, and Lao Tzu has cultivated them in vain.
Yang Yujun didn't think like Zhou Hai. If you can't communicate, Zhou Hai will go out on your own!
I found Yuan Xiaowen first.
Yuan Xiaowen was very obedient and called her to come.
Yang Yujun did his homework first and asked: How long have you been in the company?
Yuan Xiaowen recalled, looked up at the sky and replied: One year and nine months, right?!
Yang Yujun said affectionately: When you first came to the company, you were still very simple. I also study hard and visit customers every day very diligently. My home is so far away from the company, and I still have a morning meeting every day. Earlier than many employees who live in the city. I'm so happy!
Later, you grow step by step and become a regular. Later, the number of employees was increased, and he became an excellent master! Although he was not promoted, he should be soon!
Yuan Xiaowen didn't know the direction of Yang Yujun's topic, so she only listened quietly.
Yang Yujun continued: After more than a year in Wanjia, it should be said that the company treats you well. Have you ever wondered, or calculated, how much the company has paid you in less than two years?
Yuan Xiaowen shook her head: I don't know. I use it when I have money, and I earn it when I don't have money. My husband doesn't ask me for money, and it's hard for me to count it. I don't think I have much!
Yang Yujun took out a printed salary statement and pointed it to Yuan Xiaowen: Look, this is your monthly salary flow since you joined the company. A pen is clear. Count, a lot, right?
Yuan Xiaowen took a serious look at this payslip that belonged to her, but she never studied it seriously.
I hesitated, but I felt real!
The monthly income in January is very detailed, including the initial annual commission, basic salary, and increase bonus. Later, there are renewal commissions, continuation rate bonuses, and year-end bonuses.
Of course, there are many deductions: income tax, business tax, urban construction surcharge, and education surcharge. Some are not much, a few dollars. Some are more, a few hundred yuan.
Some salesmen even deduct thousands of yuan. It can be regarded as a great contribution to the country's tax revenue.
Why should life insurance salesmen and salesmen deduct business tax? Because according to the understanding of the tax authorities, the real identity is actually an agent. That is, they are business units and are not employees of insurance companies. Then the business income should naturally be subject to business tax.
But there is another problem here: that is, the insurance company is subject to business tax, and the agent is subject to business tax, is it not a double tax?
Second, insurance agents are subject to business tax, according to the level of income, the problem is that their income is not pure profit. A large part of the cost of doing business is not deducted. This leads to excessive taxes.
In order to avoid paying too much tax on their own, there are of course many ways for agents to do so.
The main thing to do is to place a pending order. It is to spread the policy to different marketers to reduce taxes.
However, there are also side effects of pending orders, namely the distribution of renewal commissions and continuation rate bonuses in the second year. Some agents have been working for a long time, and everyone says yes first. Less than the following year, that agent left. Not a penny, you have to continue the customer service work. So it's still a problem.
Of course, in terms of detachment, I can also be proud: I pay more taxes every month than many people!
For the sake of the need to increase the number of personnel, of course, some of them are indeed true. Agents always take the initiative to expose their high income.
This has created an impression in the society: the income of insurance salesmen is high, and the main reason is that the commission is high!
The real situation is certainly not so simple. The commission ratio is high, but it is not easy to get. Most surrogates do not earn a high annual income, and a given month does not represent an average income. The high income of department managers and directors is not representative of most agents.
Not to mention the income in hand, I haven't deducted my own business costs, transportation expenses, communication expenses, and gifts to customers.
Not to mention a little cash and no labor security. In addition to group insurance bought by insurance companies. That's also when I'm on the job, and I'm gone.
This is the real situation of insurance agents, the real situation that many people do not understand, and it is also a fact that many agents are unwilling to look at directly. Because they are caught up in a concrete environment, a consciousness is born, called the collective unconscious.