I would like to ask the senior and freshman students who work in banks how to choose between CCB and ICBC.

I have worked in a bank for three years and have met many people in the big four banks. I suggest choosing CCB for the following reasons:

The first point: overall comparison. Although ICBC is a universal bank, it has too many people, bloated institutions and complicated business processes. Simple things have become very complicated in ICBC, and there are many old comrades in ICBC, so many things will be pushed to you. There are many young comrades in CCB, who can learn from each other and grow together.

The second point: salary, the annual profits of ICBC and CCB are similar, but there are many ICBC people and few CCB people, so the cake is so big. The more people, the less points. According to my contact, CCB has 7000 new employees and ICBC has about 4000 new employees. The year-end bonus of CCB is also much higher than that of ICBC.

The third point: the degree of hardship. Although the salary of CCB is high, it is much more tiring than ICBC. One person for 2-3 people, ICBC is relatively better, but now the economy is going down, which is not easy.

The fourth point: other benefits. Almost all of them have staff dormitories, but in the canteen, ICBC is not as good as CCB. Many grassroots outlets have staff canteens, but ICBC does not. There is food, but it is not enough for you to eat out for a month. The welfare of each festival is similar, each has its own advantages and varies greatly from place to place.

In short, every job is not easy, and each has its own difficulties. @ Struggle Asteroid suggested with tears that for newly graduated college students, if there is no particularly good way out, they can choose to work in a bank. If there is a good place, it is not recommended to go to the bank. Because after working for a few years, you will find that you have no skills, too many tasks to assess, no dignity and little rest time. You are either finishing the task, or you are on your way to finishing it. For most people, promotion is not that easy.

Codeword is not easy, thank you for your support.

In fact, ICBC and CCB are both good. As a universal bank, ICBC has comprehensive business, advanced system and good overseas development. Although CCB ranked second overall, its market value once jumped to the first place, and it made remarkable progress in catching up with ICBC. At present, CCB pays attention to marketing and has made outstanding progress in the development of retail banking, but it feels that CCB's overseas development is not as good as ICBC's.

In fact, any bank can exercise people. The key depends on which style you prefer or which style you prefer, and your own development goals or directions. For example, if you want to go overseas in the end, you'd better choose ICBC.

Also, it is very likely that your first job will be a boring teller position, and the time will be longer, so if you enter the bank, you'd better be mentally prepared. If you just want to have a stable job and earn your own salary, choose one with a relatively high salary. If you have the ideal of struggle, go to the place where you can exercise yourself best, even if your salary is low at first. People's development needs the right place at the right time, and their own strength and opportunities are equally important, so we should learn to grasp them.

Finally, just listen to other people's suggestions and make your own decisions, because what others say only represents other people's experiences or opinions, and whether it is applicable to your own situation is a question mark.

I have worked in CCB for eight years, and I am a middle-level branch. Workers and farmers are my competitors.

Of the four major banks, I think CCB is better. First of all, the corporate culture is good, and there is a trace of people-oriented concept. Care for employees is slightly better than other banks; Secondly, the risk control ability is the strongest. We will not lower the risk control threshold first because of marketing. When the risk arrives, we will investigate the responsibility of employees, shift the responsibility to employees, and punish them if they don't teach; Moreover, employees' wages and benefits are slightly better, and employees' birthdays and festivals will arrange benefits. Compared with CCB, ICBC's welfare is slightly worse, but the gap is not big. ICBC's strong marketing style is weak, employees are under great pressure, and its asset quality and profitability are slightly weak. China and agriculture are behind these two lines!

I suggest neither. If you really want to engage in banking, I suggest you choose a local rural commercial bank for the following reasons:

1. ICBC CCB, as a large state-owned bank, has a branch structure from top to bottom and a very mature system. It has a strong organization and a mature operation mode. Employees are like a screw, they basically don't have to move there, and there is limited room for self-development of employees;

2. The salary is not high. ICBC and CCB look at a lot of profits every year, but we can't put aside the fact that there are many outlets and many employees. On average, wages are at the end of the banking industry;

There is not much room for promotion. When recruiting state-owned banks, the recruitment of provincial, municipal, county and county banks of the head office is hierarchical. For example, there must be a lot of room for provincial banks to enter the head office. If it is the first line, there is not much room for improvement.

If you really want to engage in banking, it is recommended to enter the local rural commercial bank. The main force of the rural commercial bank is still after 60, and will retire one after another, so there is room for improvement; The impact of internet finance on rural areas is relatively small, and the rural commercial bank market is relatively better; Rural commercial banks have few levels, large space for individuals to play and large space for promotion.

Hello, I'm glad to answer your question. How do senior students and fresh graduates working in banks choose between CCB and ICBC? I suggest choosing ICBC for the following reasons:

I. Future

Choose ICBC, the future is bright. ICBC is an old bank, with many employees and serious aging. More than two-thirds of ICBC's grass-roots banks are old employees, and some of them are in leadership positions. Because of their age, they will retire from their leadership positions. This time is an opportunity for young people, and young people will be selected and supplemented. There are few young people in ICBC, and the chances of being selected are high. As long as you work hard enough, have achievements and have the ability, you can easily be promoted to leadership positions and your career is developing well. Choosing ICBC has a bright future.

Second, competition.

Both CCB and ICBC are state-owned banks, with similar treatment. CCB employees are younger than ICBC employees, and the job competition and post competition pressure of CCB young employees are greater than ICBC. ICBC employees are aging, and many jobs are old people. Because of their age, they will soon retire from leadership positions and choose young people to take over. Only in this way can young people have a chance to compete. In addition, there are few young people in ICBC, which is beneficial to young people. Choose ICBC, the competition is small.

In short, no matter which bank CCB and ICBC choose, they are all state-owned commercial banks, and their development is similar. The choice mainly depends on yourself and what you need, whether it is work or development. If they want to develop, it is more advantageous to choose ICBC.

That's my answer. I hope I can help you.

If I give you advice, I suggest you go to the rural commercial bank. If you have to choose one from ICBC's CCB, I suggest ICBC.

Lao Yang happened to see that the most popular answer is that CCB is better than ICBC, but my opinion is just the opposite.

The first point: employee identity

ICBC is known as the Universal Bank, and ICBC loves to survive. This arrogant remark is no joke, which shows that ICBC's attitude towards customers is to ignore reason. On the other hand, CCB has now set up a labor port and tried its best to kneel down. Reflected in the grass-roots employees, ICBC employees are generous in doing business and can say no to unreasonable demands from customers. Even if the customer calls 95588 to complain unreasonably, the customer service sister can tell you with confidence. Sorry, according to our regulations, employees have no problem doing this. Things may not be so simple when we get to CCB. If you don't believe me, try calling 95533, and then complain unreasonably. 95533 will definitely give the work order to the employees enthusiastically. For example, if a customer has a bank card in a branch, the customer will go online to find a brokerage firm to open securities business, and then lose money in stock trading. 9533 will also hand over the work order to the employee who handles the card, but he will solve it for the customer. Then the problem comes, customers will speculate in securities accounts opened by brokers. Therefore, President Zhang of CCB said that bank employees are vulnerable groups, and it may be more appropriate to replace this sentence with CCB employees as vulnerable groups.

The second point: the number of employees

It is true that ICBC has too many staff, bloated institutions and many young comrades in CCB, but why are there so many young comrades in CCB? Because in 2002, CCB began to carry out share reform and listing, and many old employees were bought out by this trend, resulting in an age gap. Therefore, CCB's style is more radical among the four major banks, which means that you may be bought out when you are old. As for learning from each other, to be honest, more than 80% of the bank's business is basic work, not obscure. Normal people can master it in half a year. More often, it depends on whether you have the opportunity to do something in a certain position. There are more old people, fewer people do things, so there are more jobs and more young people. Even ordinary account managers can grab the head, and the competitive pressure is great. You know, the age of promotion in state-owned banks is also a very important indicator. For example, there is an official position now, and the old people have no chance to snatch it from you, but all young people have a chance in theory. Do you have the confidence to kill them?

There is a more cruel phenomenon. ICBC has nearly 450,000 employees and CCB has 366,000 employees, so many tellers in ICBC take two breaks, while in CCB, two breaks and three breaks are lucky, and three breaks are always bad. Due to the small number of people, few outlets can be filled with legal holidays, and the working hours are completely different. What do you mean by employee care? If you don't have enough rest and holidays are not guaranteed, it is called employee care.

The third point: employee income

Some people say that ICBC and CCB have similar profits, but CCB has fewer employees, so there are fewer people sharing cakes and the per capita income is high. I can only say that I don't understand CCB. It is true that CCB has the highest per capita profit, but when did CCB pay employees according to profits? From the leadership point of view, I achieved the second place with the least number of people in the four major banks, so if I continue to reduce costs and improve profits, I will not be the first place with the least number of people, and then I will not be promoted to the first place. Bankers know that the best way to increase profits is to reduce labor costs. The employee is not a customer. Can I complain to you without his money? So this is the sad thing about the second child. He will always be a pursuer, trying his best to produce, doing better than others, eating more than others, but getting less than others. On the contrary, it is not as good as ABC and Bank of Communications. He has nothing to want and has made a fortune. Of course, some people will take the per capita income of online banking employees as an example. It can only be said that people with a little common sense know that the data is just one appearance and not accurate at all. Where do you think the labor costs of so many outsourcing companies come from, and where do you think so many trainings and business trips come from? These are all called labor costs, so the per capita income is completely different from the actual income.

The fourth point: employee benefits

This really varies from person to person and from place to place. The benefits given to employees by top leaders in the same line, different regions or even different levels in the same region are not exactly the same. It is meaningless to simply use CCB and ICBC. If you really want to know, it is ok to ask the employees of local CCB and ICBC. But then again, the efficiency of banks is getting worse every year. Don't let this petty gain affect your career choice, it's not worth the candle.

Finally, let's tell a story. Once I had dinner with friends from ICBC and CCB. ICBC friends said that their mother came to the counter and saved 65,438+million yuan, which helped him complete the task. It felt bad to handle it by herself. A friend of CCB said, Oh, you can still save money for your mother. I transferred 30,000 yuan to my mother by mobile banking myself, and I was called by the compliance inspector for a long time, and I didn't settle the account until I wrote the instructions. This is the good risk control advocated by many people, which in turn is even more inhuman. So, can you be a machine without feelings?

My name is Lao Yang, and I have worked in a bank for 20 years.

That's my answer. Please leave a message.

First, if it is possible not to work in state-owned banks, banks have been declining in recent years. They want to create value for shareholders and assume social responsibilities, while banks have too many chores and no happiness.

Second, if CCB or ICBC choose one, I personally think CCB is better. Although the specific income depends on the branch, CCB has a strong momentum in recent years and will catch up with the universe in a few years.

If the applicant is the head office, there is little difference between the two state-owned banks. If the applicant is a branch or sub-branch, it depends on the local reputation, profitability and asset quality of the two provincial banks. If the profitability and asset quality are poor, the employee's performance will be low, and if the local reputation is not good, it will be unattractive when recruiting. The quality of employees will not be high, and the development potential of enterprises will be insufficient.

Let's focus on the workplace and work. CCB and ICBC are really not very different in nature, and both belong to large state-owned banks. These big banks have just joined the job, basically starting from tellers, and some also require starting from the grassroots level, and may go to the county for several years. Of course, this is a theoretical state for several years, and it is hard to say whether it can be transferred in the future.

One drawback of state-owned banks is that traditional state-owned enterprises think seriously and many of them are more disciplined. To put it mildly, they are quite regular. Whether it is business or promotion, take personal promotion as an example. Promotion is slow and difficult, seniority is serious, and you need to be able to stand loneliness. If there is work pressure, so is the state-owned bank. Whether it is CCB or ICBC, the pressure of performance appraisal is relatively small. Of course, what I am talking about here is relative to other joint-stock banks and city commercial banks.

As for which line you want to choose, it still depends on the treatment. Wage income is very important. You can ask people in banks around you, because the management level varies from place to place. It can't be wrong to choose a bank with less bad debts.

There are three people in my family in three banks, two state-owned banks and one joint-stock bank. To say which bank is better, I think each bank has its own advantages and can't just listen to its reputation. Generally, the same bank has different benefits, working atmosphere and personnel quality because of the differences in regions and personnel. And now the bank is not easy to do, and it's actually the same wherever you go.