Is it miserable to be a bank clerk? How bad is it?

This matter should be that different people have different views. However, I think working in a bank is quite miserable. I used to work in a bank for five years. To sum up, the pressure of working in a bank mainly lies in the following aspects.

Working hours are too long

We usually go to the bank and see that the business hours of the bank are usually from 8: 30 am to 5: 00 pm. But the actual working hours are much longer than this. Generally, tellers arrive at their posts at 7: 30 and get off work at 7: 00 in the evening. If we have another meeting to study, I don't know when it will be. The account manager said that the loan time is uncertain and overtime is common. And most importantly, there is no overtime pay for bank overtime! ! !

Overloaded task

Working in a bank, whether it is a teller, an account manager or even a president, is burdened with a lot of tasks. A series of indicators such as deposits and loans, insurance, funds and credit cards. It is painful. Moreover, in order to make the statements look good, banks ask for an increase every year or even every month, so most bankers are very nervous and under great pressure.

Very low wages

Yes, you are not mistaken. In fact, the salary level of most bank employees is not high. Bank statements with an annual salary of 200,000 to 300,000 yuan are simply not available to ordinary grassroots employees. A fierce operation, a look at the salary of 3500, the salary level of bank employees is far behind the labor paid.

Work pressure, no dignity.

Nowadays, bank work is far less respected than before, and you can never predict what your next customer will be like! As a teller, you need to go to the door. As an account manager, you need to go to the door and ask for help. In fact, this is all consuming your patience. I don't believe that some people are born to ask for help!

Being a bank clerk is very painful. I don't know where you came to this conclusion. At least I think your conclusion is wrong.

This is still a fact. Let's talk to the people around us.

Seven or eight years ago, I had dinner with a bank clerk. At that time, he asked me how much I earned. I earned more than 2000, not more than 2500 a month. He was shocked when he heard this number. He quickly asked me, how do you live?

I asked him, how much is your salary? He held out a finger and said it was more than 10000.

I didn't sleep well when I got home that night.

My colleague's wife is a bank clerk. Every time my colleague and I talk about salary, we laugh and say that he is the object of my wife's ridicule.

On one occasion, the company issued a book coupon for 50 yuan, and my colleague went back and told his wife that her wife disdained that our bank issued a book coupon of 2000 yuan. As for the comparison of welfare benefits with holidays, my colleague dare not tell his wife that one comparison is a miserable word in capital letters.

Of course, some people will say that although they earn a lot of money, they are also very tired. This is actually very unreasonable. What industry is not tired now? Every job is very tired, very tired, and everyone is tired, not just your bank staff.

So when I saw this topic that bank employees were miserable, I couldn't help laughing.

I know. What a tragedy! My son worked in ICBC for several years and resigned. The bank teller's suit and tie look charming. In fact, they are not as good as prisoners in prison under surveillance cameras. Prisoners can break cans and fall, regardless of anything. If a bank teller wants to save face, he has to live with shame. Some people say that the bank's "not responsible for leaving the counter" clause is the overlord clause. Actually, it's not. The teller overcharged and found that he tried his best to find a customer, sent the money to others and apologized. The customer took more. Only the tellers involved can compensate, and only half of the rewards are given for intercepting counterfeit money, which is unfair. In addition, the high salary of banks is actually a high average salary, but even senior managers, middle managers and low-level managers have low income.

Speaking of it, banks are the envy of many people, but in fact, all walks of life have their own unknown pain. As a bank employee, especially in some positions, it is really painful at work.

First of all, I have to say that the current ETC sales task has almost caused the staff of major banks to collapse.

No matter friends of your own bank or news you read online, you can really feel the hatred and helplessness of bank staff for ETC sales tasks.

In order to complete the task, the majority of bank employees give full play to all kinds of social relations, walk around the streets, fully start all kinds of human marketing and ground marketing, and set up stalls to complete the sales task of ETC.

They are 5+2, white+black, all in order to complete the ETC sales task, and even their families are neglected. Therefore, some family members of bank employees complain to the government hotline. This also reflects the sadness and helplessness of bank staff in the process of completing ETC tasks.

In addition, bank employees still have many miserable tasks, including the task of "collecting deposits" issued by the bank, and how much deposits they have to withdraw for the bank to complete the performance appraisal. For people with connections and resources, it is relatively easy, but for ordinary people, this task is also impossible.

Although the salary of bank staff is generally good, especially in the early stage of real estate development, the salary of bank staff is quite good. With the strengthening of state regulation on real estate, the salary of bank staff has decreased compared with the previous stage.

Moreover, the treatment gap between different branches, different branches and different positions is very large. Some middle-level cadres earn 300,000-500,000 yuan a year, which is much lower for ordinary staff.

Generally speaking, although the bank staff are hard and miserable, they can get by. As long as they survive the ETC frenzy, I believe everything will be fine. What did you say?/Sorry?

Outsiders look like white-collar workers, but in fact they are blue-collar workers and get the minimum wage. As for performance pay, it is actually a kickback to sell your social relations. When your social resources are exhausted, you are basically waiting to resign.

Bank clerk, what's so sad? According to income, at least 13 salary a year, as well as holiday subsidies; According to the work intensity ratio, it is not as good as the code farmer of Internet vendors; According to the work pressure, it is not as good as those salespeople who only live on commission. As far as the current market situation is concerned, it is good that bank employees can maintain their existing jobs.

Many people want to come to the bank, but the bank is already reducing the recruitment scale. Even if you come in, it is not necessarily a formal job. If a bank employee wants to leave, the bank may not keep him.

Many friends around me despise the salary of the bank and think that the bank is under great pressure, so they choose to jump ship or even choose naked resignation. What is the result? Some time ago, I also sent WeChat to tell me that I would help him introduce his work.

Account managers who have made loans before have met some business owners. I have a good relationship with them and still keep in touch with them. I introduced my former colleague from naked resignation to an entrepreneur who is engaged in food processing.

The business owner and my colleague met, and there was no more. Afterwards, I asked them what the result was.

The business owner said: "Your friend may have stayed in the bank for a long time and didn't know much about the specific situation of our physical industry. When he came up, he asked me 1 annual salary of more than 100 thousand. I can give this salary, but he must be able to deserve it.

On the one hand, he has no experience in food processing industry, on the other hand, he has no management ability. Accepting him was originally for your own good, but later, because of the salary, there may be no contact. "

I asked my colleague in naked resignation again.

Naked resignation's colleague said, "This boss is a little petty. I feel that there is no future to follow him. He is only willing to give me an annual salary of 60 thousand, so that I can start as a cashier. I don't understand, and I have no technical content.

I want to help him manage, but he doesn't seem to mean it. Wages in this industry may be relatively low. I plan to go to the financial industry again. "

After listening to their descriptions, I really have a new understanding of job-hopping in the banking industry. In the whole financial industry, if you say that you are a bank, someone may buy your account and give you good treatment, but if you put it outside the banking industry, it is really worthless.

However, according to the current situation, the whole financial industry is wintering. Banks are actually a barometer of the financial industry. Banks are having a hard time, and other non-bank institutions in the financial industry are definitely having a hard time. Now you feel that bank employees are miserable and may not come back after leaving the bank.

Summary:

In fact, the work of the bank is really not bad. When you think the salary of the bank is relatively low, compare it with the entity enterprise, and you will find that it is already relatively high in the same level of the entity enterprise.

At least the bank will not default on wages, and there is a high probability that it will not fail. Even if there is a risk of bankruptcy, it will be taken over by big banks before bankruptcy. Employees have five insurances and one gold, and their wages are guaranteed in all aspects.

I think the bank employees are in a terrible situation now.

The first point is that you often work overtime, and training is common. There are also various "cultural and sports" activities with various financial themes that you should participate in, such as the long-distance relay race with the theme of risk prevention and the essay contest with the theme of compliance management. In addition to completing their own work, they should also do these miscellaneous work affairs, otherwise the leaders will be unhappy.

I remember working overtime just after midnight once and didn't pay attention. I clocked in and went home. I found that my salary was deducted the next month. Because the system automatically clocked in at midnight and went to work the next day, I smiled and joked with my colleagues that other units had overtime pay and I had to pay a fine for overtime work.

Secondly, opening eyes and closing eyes are indicators. For example, I am in a city commercial bank. You should not only complete the deposit task, but also complete the financial management task, credit card task, ETC task, as well as fund, insurance, three-party depository and so on. If it's okay, it's a big order. If you scold your leaders, you can't train you like a school teacher. As long as you watch the leader smile at the first time and turn to you helplessly, you will feel very uncomfortable. Oh, yes, and the People's Bank of China, China Banking Regulatory Commission, consumer rights and other institutions will also assign various tasks to banks, mainly publicity activities, what to enter the community financial knowledge, what telecom fraud prevention publicity and so on. These are the duties and tasks of banks.

Finally, bankers are said to have a high divorce rate, which may be due to frequent overtime, training, occasional business trips, and then the pressure of assessment indicators, ignoring family and lovers, so their feelings are not strong. You can see many sororities and blind date parties, all of which are from the banking system.

I think any job is a fence. People inside want to get out and people outside want to get in.

A bank employee revealed that his monthly salary is 760 yuan. Can you believe it? I believe it anyway.

In 20 16, the total number of employees in the four major banks decreased by 25,300 compared with the previous year, which was the first time since 2007.

Teachers, doctors and bankers are recognized as "golden rice bowls", which give many people the illusion of "high salary and high welfare", so that many people are confused when recruiting, especially employees in the banking system.

That's really a "pit" word!

How bad is it?

The biggest misunderstanding of bank employees by outsiders is that they are "tall and have high wages". But the fact is, the following is my WeChat chat with a friend of China Merchants Bank:

How tired are they?

The work is simple and repetitive, with no sense of value. Xiao Wang, a British Imperial College London graduate with a first-class CFA certificate in finance, told me, "I entered the bank with great expectations. Three years later, I found that the original ideal was far from reality. I can't stand it and want to leave. "

Indeed, as a bank counter, day-to-day work is boring. Deposits, withdrawals and card opening ... can be done by a junior high school student every day. Why do you need 985,211?

I have a high degree diploma in my hand, but most of what I learned in college is useless and worthless at work, accompanied by a sense of crisis that may be replaced at any time.

You say, where is the value of life?

So many people around me who can't stand this kind of suffering and realize the value of life have left the banking system.

Xiaoxi, who is not understood and respected, is a bank employee. Once, a customer came to help his son return his credit card. According to relevant regulations, the cardholder must repay the loan or provide the card number. He was not understood and was very angry. As he knocked on the glass, he swore, "What are you, to let your president out?"

Xiaoxi confided to me: "After he left, she closed the counter, hid behind and began to cry, feeling greatly humiliated."

Moreover, many friends in the banking system around me have met many people with low quality and insulted themselves.

Unfair competition "The state-owned banks have too narrow room for growth, and it is difficult to be promoted without background". This was confided to me by a buddy of mine in the banking system. He works as an account manager in a branch in a second-tier city.

He also told me: "The three counters on our website are all 2 1 1 graduate students, and I don't know when I can be promoted." My good friend Ben Shuo/Kloc-0 graduated in 1985 and is still at the counter for more than four years.

And I wonder if these people often doubt themselves: "What am I fighting so hard for?"

Of course, the heavy performance indicators and the inability to make money are also common problems for bank personnel.

However, what job in this world is not like this?

When many young people confide to me why they want to enter the banking system, their answers are always strikingly similar. "The salary is high, the job is easy, and the job is high." I always smile silently.

Of course, most people have high expectations of themselves. When they really get jobs and jobs, they will find the gap between ideal and reality. Seeing other people's works, we can only sigh: what good years are there? Is this world safe?

In fact, everyone is "as black as a crow." The nature of their work is nine to five. I'm angry when I go to work and get off work. They all hold hard wages and demand outstanding performance.

Summary: the banking system has these "pits" and "tragedies": written at the end: this is the most primitive face of life, and it will be relieved if you get used to it.

In banks, the front-line staff of grass-roots outlets are the "bottom" in the financial field and the real "financial migrant workers". Labor intensity, pressure, low income, a bit miserable in the banking system:

Let's take a look at 20 19. Banks set up stalls in the streets and lanes to handle ETC, all of which stopped at the entrance and exit of the expressway to promote ETC under the scorching sun.

During the "good start" period, some banks advocated the so-called "but work hard on Sunday 100 days", and implemented the grassroots employees of the bank.

Every day, under supervision, doing repetitive work, in the face of customer complaints, it is also grassroots employees who are repeatedly fined.

Credit card installment, mobile banking, fast payment, inclusive finance, it is the grass-roots employees of the bank who "call for an hour after work" every day.

According to the annual report of listed banks, the average annual salary of listed banks is 200,000 to 300,000 yuan, but only 3,000 to 4,000 yuan is paid to grassroots employees every month, and the average salary is still the grassroots employees of banks.

However, on the other hand, think about it. "For a few years, it was calm, but some people carried heavy loads." It is not easy for grass-roots employees in all walks of life.