Want to work in a bank after graduation? Listen to me first.

About half a year ago, a younger brother excitedly asked me on WeChat: "Brother, I am going to apply for a job in the bank. Can you give me some advice? "

I almost choked on the water, right after I submitted my resignation letter.

Of course, as a helpful young man, I decided to hide my resignation and listen to what he said first.

"Why do you want to go to the bank when you study logistics management?" I asked him.

"Because the bank work looks decent and pays well!"

I'm X, and this younger brother thinks the same as when I was a child!

"Have you ever had a deep understanding of the banking industry?"

"This is not clear, let me ask you!"

What's more, this boy has little knowledge of going to the bank. He must have gone with the flow.

In order to make him regret it as much as possible in the future, I decided to talk to him about banking.

Next, I talked with him a lot. In order to let more students know about the work of banks, I explain some "inside stories" of banks from my own point of view for reference.

First of all, let's talk about what a bank is. The definition of nouns can be found in Du Niang. I just said I understood.

Banks are the service industry first, followed by the financial industry. Banks now are different from those in the past. In the past, banks were above other banks. I still remember an article I read during the initial induction training. Why is the place where the counter staff sit called "high cabinet"? Because the bank appeared not long ago, its counter was very high, customers were standing to handle business, and the staff saw that he only showed his head, but the staff seemed to be above him.

Today, the situation is very different. Banks in big cities are in highly competitive markets. According to statistics, by the end of 16, there were 3 policy banks, 5 state-owned commercial banks, plus 1 postal service, 12 joint-stock commercial banks, 100 city commercial banks, other rural commercial banks and many foreign banks.

So many banks are crowded into one plate, which means there is not enough porridge. This also forces banks to strive for loan services and preferential policies. Giving preferential treatment to customers is actually a weariness of bankers. As far as services are concerned, all major banks have service inspections and rankings, which have a great impact on personal performance. Lowering bank interest rates leads to less profits and lower treatment.

Knowing the big environment, let me talk about the work in the bank.

National banks are generally structured as head offices, branches and sub-branches, with a head office in a certain city, such as China Merchants Bank in Shenzhen and Shanghai Pudong Development Bank. Set up branches in provincial capitals or major cities in the province, such as my Shanghai branch; Set up branches in urban areas and streets. Sub-branches are the smallest institutions, and now many banks have launched micro-banks and community banks on a smaller scale.

The head office is full of bosses, and ordinary people can't get in. Basically, excellent talents are selected from branches, and most of the positions are audit or other functional positions. Branches can be recruited or transferred in through internal application. Finally, there are branches, with the largest number of people arranged. Sub-branches are also places to conduct business. Often, the business submitted by a branch is approved by the branch first and then by the head office.

Let's talk about the post distribution of sub-branches:

President: the boss of the branch, who co-ordinates the public and private business lines, is responsible for the performance of the branch, and is also responsible for the food problems of the employees of the branch. "The president is the biggest account manager", which means that the president often holds huge resources.

Vice President: Generally, there are two people in charge of public business and private business, just like the managers of two departments.

Director of the office: The chief administrative officer of the branch needs to take care of everything, big and small, and never let go of any trivial matter. When he has nothing to do, Ge You lies down.

Corporate?Banking?Services?

Account Manager: He is one of the hardest-working salesmen in the bank. The survival of banks depends very much on the development of corporate business, so account managers are under great pressure. Corporate business is a cooperative business with enterprises, ranging from transfer and remittance of enterprises to financing services for listing of enterprises. It is worth mentioning that loans have always been a business that banks love and hate, and it is always difficult for them to achieve a good balance between gains and bad debts, which is why loan-to-deposit ratio is set up. As we all know, not every effort pays off, and the account manager is in contact with the enterprise, and the enterprise is also very cautious in choosing the bank, so the account manager's bowl of rice is really not for ordinary people to eat. Drinking is essential for enterprise account managers, and there are still quite a lot of business obtained by this traditional means. I don't know if it's a good thing or a bad thing.

private affairs

Teller: Tellers generally have responsibilities such as saving, cashier and accounting. The savings office is responsible for opening a personal savings account and checking the account daily; Cashiers will contact cash and do the work of depositing and withdrawing money; Accounting connects with enterprises, mainly doing things like enterprise expenses and bill business. Tellers are a kind of people with great physical labor intensity. They sit on the counter all day and take a nap at noon. When the bank closes at night, don't think that they are all off work and are still trying to collect accounts at the counter! Although the teller is tired, every business he does and every drop of sweat he leaves is a bonus, so he should work hard! Nowadays, in order to improve efficiency, many banks have trained comprehensive tellers, who often have to do all the above work. )

Lobby manager: When you walk into the bank, the first person to greet you with a smile is the security guard! Or the lobby manager. The lobby manager never stops. He is always in a hurry in the lobby of the bank. Just like a bartender, he is where the customer calls. More and more banks tend to outsource lobby managers to reduce labor costs. The lobby manager, like the teller, is a typical "sitting business", waiting for customers to come to the door, so the monthly bonus will not change much.

Financial managers: Financial managers are divided into ordinary and VIP. VIP naturally serves large customers, and the value of customers is generally measured by deposits and AUM (asset size). Financial managers need to have high professional knowledge and deception skills. After all, most of them are facing aunts and grandfathers, and being able to fool is definitely a magic weapon to win. General financial managers need some certificates, including banking, securities and so on. However, due to the gradual increase in turnover rate, many banks have lowered or even cancelled this standard. If the wealth management manager maintains big customers, the income is still considerable. And often selling the products of insurance companies or securities companies can not only get the bonus of our bank, but also get the marketing rewards of insurance and securities companies. A wealth manager with a large number of customers has a higher income than the management!

Personal loan manager: the abbreviation of personal loan manager, personal mortgage, credit loan, mortgage loan and so on. Similar to corporate account managers, they need to walk the streets and dig up customers. Once a colleague wore out a pair of leather shoes in just one month. If a loan manager has resources, his income is considerable. For example, if you know a real estate agent, usually the designated tenants sign loan contracts with cooperative banks, and the business is endless.

A complete branch is basically the distribution of these jobs. A branch is like a small branch, which is generally self-financing, but its income should be distributed step by step.

The bank has an unwritten rule that all employees sell. Indeed, from the president to the teller, they are all burdened with marketing indicators, and there will be rewards for completing the task. It is precisely because banks and money are inseparable that their supervision can not be separated from money. It's the same even if you make mistakes. If the teller makes a mistake and the account manager fails to complete the task, it is simply to deduct money and be rude.

It is precisely because of the characteristics of "sales" that if there is a conflict with this profession, I suggest careful consideration. I have a teller colleague who blushes and stutters when marketing is needed. It's not his problem, it's his unsuitability. If you can't adapt, don't force it.

Of course, it is undeniable that banks work decently, especially in the eyes of the previous generation, who thought that bank employees were civil servants! And generally speaking, big banks will not easily dismiss employees. Even if your performance is worse, they won't take the initiative to dismiss. They will only give you no bonus and let you go by yourself. This is the cruelty of reality.

Generally speaking, the cost performance of bank work is ok, and the benefits of formal employees are also good. Work depends on suitability. If you think you will like it, then do it according to your own mind!

(The above pictures are all from the Internet)

The above is my personal opinion. Children's shoes with objections are welcome to discuss. If you want to work in a bank, welcome to communicate with me!