Does the bank have a future? Can I still work in the bank?

This bank looks charming. As a 36-year-old bank employee, I advise you not to enter the bank. There are only a few jobs in the bank:

1. Teller: Generally speaking, you start from this position when you enter the bank, and you work from morning till night 1 year, and it takes five years to transfer to other positions. Lumbar muscle strain, disc herniation, decreased vision ... After sitting for a long time, a female colleague came out with a rich bag on her back. Moreover, these positions are highly replaceable and the technology is so advanced that I believe there will be no need for counters in the near future.

2. Account Manager: Write survey reports, loans and deposits. To put it bluntly, the president is nothing more than a senior account manager, and his salary is linked to the scale of deposits and loans. Drinking and socializing all day is bad for your liver, kidney is not good. Be respectful to your boss and only be Nuo Nuo to your customers. If you put some bad loans, you have to collect them and deduct your wages. Anyway, I don't feel any dignity.

3. Middle and back office: Like the audit department, it is easier than other positions, but the salary is relatively dead. When the project is submitted, you are urged to pass the project. Overtime is normal. Some project account managers think it's good, but you don't. The leader has to force you to report your performance. After the project is over, it has nothing to do with you. If the account manager takes the lead, you may be unbalanced, but that's all.

In short, for the sake of your physical and mental health, if you don't have a rich father, I suggest you don't go into the bank.

Let's start with the conclusion: the future development of banks is more than enough, and I think we can refer to the development of GDP in China. Banking is still better than most jobs, so of course you can work in a bank, and many people can't because of their academic qualifications.

There is no work that is not wronged or hard. This is not chicken soup, it is a fact. Just like civil servants, they used to drink tea and read newspapers at work. Now? All kinds of overtime duty, all kinds of inspection, investigation, materials, flood control and fire prevention. ...

The same is true of banks. In the past, they had stable jobs and high incomes, and they also earned money while lying down. With the impact of internet finance and the intensification of industry competition, bank employees are getting harder and harder, and all kinds of task indicators have to be completed. Overtime is normal, so the attractiveness of bank work is declining.

But the thin camel is bigger than the horse, and the job of the bank is still better than most jobs. Take our small county as an example, the income of bank employees is at least 654.38+million, and the treatment exceeds that of civil servants. The provident fund is paid in full, and various welfare guarantees are complete; Even if the performance is not good, it will not be fired, and there is no risk of unemployment; Although there is overtime work, it will be counted as overtime pay, and holidays are still indispensable.

If young people work hard, they will become vice presidents and presidents, and their income will be calculated according to their annual salary. I have a relative who has worked for 8 years. At present, he is the vice president (top leader) of a bank in the county, with an annual salary of 250,000-300,000, and the unit gave him a car of 200,000.

Generally speaking, the bank's working income is growing slowly and the pressure is growing rapidly. It still depends on the specific jobs. The professional teller of labor dispatch system has low salary and great pressure. The most terrible thing is that he has no chance to change jobs and be promoted. He is sure to resign in a few years. As long as it is not a labor dispatch, you can still consider joining the job. Of course, if you have the ability to pass the official establishment of civil servants, teachers and institutions, you must not choose to enter the bank!

Let's start with the conclusion: look. . As for whether you can work in a bank again, it depends on your ability. I have heard a saying: No matter what you do, you don't work, as long as you can bear the cost of not working. . Very reasonable. If the ability is average, banks are still a better choice.

Many answers are to persuade people not to go to the bank, saying that they are under great pressure and have not been promoted. Just look at this answer, there is no reference. People are like this. They always feel that their work is tired and bad. What do you think of other people's works? For example, being a teacher is a very good job for most people, with many holidays and low intensity. But teachers are clamoring for pressure every day. Another example is being a doctor, asking for money, status and future. then what Doctors will say that it is thunderous to persuade people to study medicine. . Therefore, in today's involution society, there is no industry without pressure.

Tell me about the work of the bank. There is no denying that it is still a high-paying industry. Do not accept refutation. Don't tell me I can't even afford to eat every month. Why don't you take out the year-end award and have a look. Why do you have to choose the lowest salary in the whole year? The average salary of banks released every year has reached 700,000 per capita. For example, the four major state-owned banks have many employees and many outlets in poor areas, and even the average salary has reached about 300,000. This shows that the banking industry is still a high-paying industry. In terms of pressure, it is really complicated, and it is possible to do some meaningless work, and the management is also strict.

The future development of banks will not be ambiguous. This is development. Some people will say that small banks will go bankrupt. At first glance, we haven't figured out how small banks came about. Behind the city commercial banks are basically local finance bureaus, which belong to local money bags. Or it is a subsidiary bank of Dahang Holdings, which is used to do some turnover business. Basically, they are all guaranteed units of state-owned enterprises. How can they not develop? Needless to say, China Bank was founded in 19 12, and it has been 100 years now. Yuan Shikai fell, did not fall, veteran fell, did not fall.

With the proficiency of electronic technology and the use of a large number of electronic business equipment and system integration in banks, the demand for human resources for public-private business is becoming less and less. In addition, there will be no financial ills such as theft, leakage, greed and loss in the electronic business process, and the ideal of working in a bank in the future is unrealistic. Now the salary of bank employees is not as good as before, and the working hours are very strict. It is common to deduct money and impose fines. If you can find a better job, don't work in a bank.

It's really stressful I'm tired of this life at present. I feel that I have been working all day except sleeping. There are always things that can't be done, jobs that can't be done, and finally they end up standing still. Holding thousands of dollars is not enough to see a doctor.

Believe it or not, I still think banks are golden rice bowls. If you can work in a bank, it is still very good, and it is also a stable and good job. For the average family, working in a bank is a decent job and must be satisfied.

There are many job opportunities in big cities, so banking is not so easy to do. After all, there are many job opportunities, people have many opportunities to choose, and banks are not dazzling. But in some small and medium-sized cities, banks are also a good job, and there are few job opportunities. It is good to find a bank job. The enterprise annuity with five insurances and two golds has all kinds of benefits, and it is really a cost-effective job in a small city. There are many small private workshops, you will know it is difficult to do if you try!

Banking is still a good job, and many academic qualifications are not low at all. At least you have to graduate from college. So if you want to work in a bank, you must go to school and take the bank exam as a fresh student. It's easy to get in, and it's also a formal job, which is very good. Social recruitment is generally a dispatch system, that is, it is not a formal job, and its cost performance is not high. Many have deposit tasks, not good!

Let's start with a popular joke in the circle: a bank employee is really tired. He went to the temple and asked the master, "I am a bank clerk." Every day, I am under great pressure from various indicators. I can't eat well and sleep well. I can't look after my family. After working for many years, I finally took a vacation. My mobile phone is like a hotline. My family thinks that we work remotely during the epidemic. " The Zen master covered his left chest with his hand and was silent. The employee asked the master, "Do you mean not to complain, but to have a clear conscience and live up to your dreams?" The Zen master shook his head and said helplessly, "Amitabha, the poor monk belonged to the bank before he became a monk!" " "

Although it is only a joke, it does reflect the dilemma of the actual work of the banking industry to a great extent. This job is no longer as attractive as it looks. During my more than ten years working in a bank, I personally witnessed the emergence of a large number of bank (self-service bank) outlets, the increasingly fierce competition inside and outside the industry, the increasing assessment indicators and pressure, the increasingly strict internal and external supervision and punishment, and the rising turnover rate and mobility of employees.

Ma Yun once bluntly said: If the bank does not change, we will change the bank! Sure enough, in the past ten years, especially in recent years, many once-bustling bank outlets are now empty, and the golden rice bowl that once fought for it has now become a besieged city. ...

However, this does not mean that the development prospects of banks are not optimistic, especially in a socialist country with distinctive characteristics like ours. Banking has always been the pillar of national economic development. The public data in recent years also show that the banking industry still maintains a high profit rate in all industries, and foreign banks are still unable to effectively pose a threat to the development of the domestic banking industry in the short term, but the banking industry really needs a round or even several rounds of thoroughly remoulded reforms to adapt to social development.

I hope it helps you.

It is said that the bank will change its business establishment soon. Banks have the functions of tax authorities and supervisory organs, namely the State Taxation Bureau and the Ministry of Justice.

The future of a bank and working in a bank are two questions to be answered separately.

To tell the truth, the golden age of banks has passed, and the time when dogs can lie down and make money is gone forever. As the mother of all industries, the development stage of banks is highly bound with the development stage of the whole country. The period of rapid banking development in China was from 2000 to 20 10, which was also the fastest decade of economic development in China. With 200 1 China's accession to the WTO, China's economy began to develop rapidly, consumption, investment and foreign trade went hand in hand, and the per capita disposable income continued to grow, which brought about the shortage of bulk consumer goods such as automobiles and household appliances. It happens that this decade is also a decade of rapid development of China's commercial housing market, and the biggest bull market in China's capital market so far was born. As a bank that only earns the middleman's price difference, this decade is really the golden decade of the bank.

As China's economy enters a new normal, it is impossible to maintain a high double-digit growth rate all the year round, and the development of the banking industry is bound to enter a relatively stable period. There is no bigger cake, and we can only increase profits from internal fine control and management. Moreover, with China gradually breaking the monopoly of the financial industry, the number of banks is increasing, and all kinds of private capital enter the banking industry. The competition in this industry is becoming more and more fierce, and life is getting harder and harder. In the future, the banking industry may no longer be the golden rice bowl in people's mouths, but just exist as an ordinary industry, earning ordinary wages. Of course, all walks of life are the same, except executives.

As for whether I can work in a bank, I think it would be good to go backstage. In fact, the front and back of the bank are two completely different worlds. The front desk is mainly engaged in marketing. To put it bluntly, it is all kinds of deposits, insurance, funds, wealth management and loans. The task is getting heavier every year. The better you finish, the more he adds, and the task will never be completed. The background work of the bank is mainly some transactional work, such as data analysis, account checking, preparation of assessment rules, expense budget, credit loan approval, lending and so on. It's not easy, but you don't have to go out and ask for help. Just do your job. In fact, the most terrible thing about bank work is the task that can never be completed. In order to complete the task, Ali must constantly go out to market customers and give up their dignity. Over time, there will be serious mental illness. Csi: I have observed that there is basically no banker at the front desk who is not mentally ill. It's just that they live in such an environment all the year round and are surrounded by such patients, so they feel normal and not sick.

To sum up, the banking industry will continue to develop in the future, but the development speed will be greatly reduced, and it will eventually become a very ordinary industry, because its dividend of the times has ended. If you go to work in a bank, you must choose a backstage position. The sales position at the front desk, such as the account manager, cannot be done under any circumstances. This is a job that will drive people crazy. Of course, unless you have a lot of social resources, you can bring hundreds of millions of deposits as soon as you go. As far as I know, there are basically no financial positions in banks at present, and we can only fool recent graduates to do it. Some experienced old employees either change jobs within the bank or resign and leave the industry forever.