The bank building is so tall, are there really so many departments in it?

As a bank employee, I want to say that there are indeed many people working in banks. In addition to the normal office, there are conference rooms, computer rooms, storage rooms and so on. It also takes up a lot of space. Let's talk about some situations of the secondary branch of a state-owned bank where Xiaobai is located.

Xiaobai's secondary branch building has a floor of *** 12, including a basement. This building is about 40 meters high. At present, the staff of the building is about 120, and each floor is about 10. On average, the personnel density is not high, but if the conference room and computer room are excluded, the personnel are still relatively concentrated.

Take our building for example, the first floor is the business center of the branch; The second floor is the business department, including corporate finance department, trade finance department and small and medium-sized enterprises department; On the third floor is a large conference room, which can accommodate about 200 people; The fourth and sixth floors are backstage management departments, including offices, trade unions and risk control departments. The seventh and ninth floors are mainly conference rooms and computer rooms; The tenth floor is the place where leaders work; The eleventh and twelfth floors are restaurants, where employees eat. Although the secondary branches are small, there are still some "sparrows", but they can't compare with the 30 th and 40 th floors of provincial branches.

After hearing what Xiao Bai said, everyone can almost understand. Finally, there is another layer of negativity. Xiaobai will not say it, and everyone can make up for it.

The answer is no!

Understand a truth: Banks rarely Gai Lou by themselves! Basically, the developer built it, and then the bank rented the floor of about 1-5, and put up a signboard on the roof, which read: XX Bank, as if this building is this bank!

The banking department is true, but you can't use up a building! Other explanations can be found in others' comments, which are basically complete.

Recently, another bank was built near the community, with more than ten floors and an area of 1000 square meters, which is considered as a relatively large branch. At present, there are many departments in the bank building, mainly covering a large area and not wasting resources. The CBRC requires that the business area of bank branches should not be less than 300 square meters, and the branch area of the whole bank should not be less than 500 meters, which can also understand why there are many departments in the bank that have other functions under certain requirements.

Banks are inseparable from people's lives. First, there are many banking departments.

We often only contact bank tellers or ATM machines to handle some simple deposit and withdrawal and information consulting services, so we think the scale of banks is redundant. In fact, there are many departments in the bank, such as human resources, international business, conference room, president's office, personal credit and corporate credit. At this time, we need more office space.

The floor of the bank is very high, and each part occupies a large and small office space. Except for some basic business parts, the settings of each department are different, and there will be more after subdivision.

Second, image engineering.

If depositors were given the choice to deposit in two unknown banks, what would they choose? I'm sure the first thing to consider is which bank is higher and which one will deposit the money, because it represents the strength of this bank, which is rich in Gai Lou. Are you afraid that you have no money to compensate depositors? This is also an image project.

Although the five major banks are well-known, in order to make up for the low trust, many local banks not only cut interest rates, but also properly package and shape their image. The purpose of the tall and magnificent building is to prove its strong financial strength and shorten the gap with the five major banks. In fact, as long as it is a bank approved by the CBRC, there is no need to worry about the safety of funds.

So there are many departments in the bank, which use more office space. There are indeed various departments, but building high-rise buildings is also a face project, at least the facade image is also very important.

Is the bank building very tall? In my impression, the bank building is not very high. Take Qingdao as an example. Qingdao Industrial and Commercial Bank, Qingdao Agricultural Bank and Qingdao Construction Bank are all ordinary office buildings with about 20 floors.

In fact, as far as Qingdao is concerned, there are not many high-rise buildings related to banks. For example, Yuanxiong International Plaza (223 meters), China Railway Qingdao Center (237.7 meters), HNA Wanbang Center (240 meters), Qingdao Fortune Center (24 1 meter), Deep Blue Center (327 meters) and Haitian Center (369 meters) have nothing to do with finance, and Qingdao International Financial Center has only 21meter.

Moreover, the office buildings I know about China Agricultural Bank and China Industrial and Commercial Bank, including China People's Bank, are only ten or twenty floors. Of course, their area is quite large and their floors are not high.

The bank where I work has only 20 floors of office buildings, and such a large office building is also full. There are indeed many departments in the bank, such as planning and operation department, enterprise finance department, housing finance department, personal finance department, bank card department, financial accounting department, laws and regulations audit department, human resources department, security department, supervision office, trade unions, offices, government party committees and so on. In addition, there are conference rooms, reception rooms, remote video monitoring rooms, activity rooms, libraries, kitchens, restaurants, guest houses and so on.

There are many institutions in the bank, I don't remember them, and the houses are not enough. There is also a computer operation center and a settlement center for fifty or sixty people outside the office building of the branch.

In fact, there are not many departments in the bank. Later, with the in-depth development of the market economy, the financial industry assumed more and more responsibilities and businesses, with more and more detailed business functions and more and more business departments.

How will banks develop in the future and will functional departments increase? Not necessarily. Perhaps with the development of artificial intelligence, fewer functional departments and staff are needed, and then banks may not need so many office buildings. What did you say?/Sorry?

Not to mention the head office and the provincial bank. Take the prefecture-level cities of the four major state-owned banks as an example, a 20-story building can basically be filled, and at least 20-30 internal functional departments are needed to operate. But almost 200 square meters is enough for a branch that opens every day.

Are there so many people in the bank and so many in the office? But building a landmark building is the dream of every bank. And so far, banks have enjoyed it. Whoever owns more buildings, whose buildings are taller and whose buildings are more imposing seems to show who is doing better.

This concept is actually a continuation of American banking practice in the last century. During the Great Depression, stability, reliability and credibility were the main reasons why a bank could survive. But the bank can't move the money out for everyone to see all day, so build its own bank building or name other buildings after its own bank. When the American economy is depressed, the labor cost is very cheap, and Gai Lou can also stimulate employment. Don't say it's quite effective When you go to new york, you can see many buildings and tall buildings named after banks. As long as the bank has credibility and does not run away, in fact, to a certain extent, the phased operation is not good and there is no problem in survival. Because banks can constantly absorb new deposits to resist the risk of bad debts.

Since then, banks in other parts of the world have also begun to learn from this practice in the United States. Building a magnificent building represents the confidence that banks are not short of money, trustworthy, stable and survive for a hundred years. In recent decades, China has done the same thing, so we see that the bank building is the tallest and most beautiful in all cities.

But are there so many people working in banks? In fact, except for some big banks and joint-stock banks, the vacancy rate of some small city commercial banks and rural commercial banks is still relatively high. Many office areas are not effectively utilized. But banks in Gai Lou will not consider this issue. Mr. de has been to the head offices of small banks in some small cities. Their building may be 1/3 vacant, but when it is idle, it is idle. Isn't the bank just trying to give depositors a feeling that the bank is rich and reliable?

Is Gai Lou worth it? Mr. de once discussed with the bank staff and found it really cost-effective. General local governments will support the development of banks, so the land price for banks is relatively low. Coupled with construction costs and other decoration costs, it is indeed much cheaper than buying office space alone or renting office space for a long time. In that case, why not go to Gai Lou?

The times are also advancing with the times. In the future, more and more banks will become smart banks, and the number of business outlets will gradually decrease. Most people will use It system to handle office and business in the background. In this case, if the bank has a building, aren't more and more people going back to work in the building?

Mr. Dodd has been to a newly established private bank, Wang Xin Bank, and he has positioned himself as an internet bank. There are no so-called outlets, no so-called, no so-called account manager service personnel. There are only telephone customer service, WeChat customer service, product manager and It service personnel in the office. The whole bank is more like a high-tech enterprise, and everyone works in the industry. Then if they build a building, the utilization rate will be much higher.

To sum it up. In the past, the bank building was mainly built to cater to the psychological judgment of depositors and partners. Now the building is more for cost considerations and future office needs.

Although the bank building is tall, there are many departments. After the subdivision of various large departments, the bank actually has a dozen or twenty small departments, which require a lot of office space, which also makes the bank building tall, large in location and many departments, giving people the impression that the bank is really tall and busy.

First, there are indeed many departments. Banking departments include: planning and finance department, management information department, office, personal finance department, corporate business department, international business department, information technology department, personnel department, etc. Roughly speaking, there are also 20 departments, and these departments have other businesses, which makes banks really need more office space and banks are not short of money. The better the subdivision, the better the development work.

Second, tall buildings are images. Most banks have high floors, which is an image, because the banks themselves are rich in funds. Like real estate companies, high floors mean that the company is strong and not short of money, so depositors will naturally feel at ease. In particular, large domestic commercial banks are basically high-rise buildings. Although local banks do not have this style, as long as they are banks, they give people an impression of being above others, which can at least increase depositors' trust in banks.

To sum up, the bank has a high floor, and there are indeed many departments that need office space. The bank itself is one of the most profitable industries, and spending money to build high-rise buildings is also a symbol of strength and abundant funds.

Bank buildings in China are generally high-rise buildings with unique materials and luxurious decoration, giving people a feeling of being particularly tall and rich. (1) The same is true in practice. In 20 19, the total profit of China's banking industry was 2,000 billion yuan, and the net profit of the four major banks of agriculture, industry and construction reached an astonishing 997.4 billion yuan, of which the profit of one bank of ICBC was 34 14 billion yuan. During the same period of 2065438+2009, the profits of 96 entity central enterprises managed by SASAC in the State Council, China were only140 billion yuan. Therefore, the problem of China's economy now is that a large amount of industrial capital flows into the financial industry, and the operation of the real economy is very difficult. The financing cost of entity enterprises is very high, and most of the profits are taken away by banks.

(2) In addition to lending business, banks also have a large number of financial management, risk control, credit cards and other departments working in the background.

(3) Holding real estate in the urban core area is also a form of bank assets appreciation.

All departments of the Head Office include:

1. Office (Party Committee Office)

2. Office of the Board of Directors

3. Office of the Board of Supervisors

4. Corporate Finance Department

5. Personal Finance Business Department

6. Institutional Finance Business Department

7. inclusive finance Business Department

8. Settlement and Cash Management Department

9. Network Finance Department

10. Credit and Investment Management Department

1 1. Credit approval department

65438+

13. Internal Audit Bureau

14. Legal Affairs Department

15. Finance and Accounting Department

16. Internal Control and Compliance Department

17. Human Resources Department

18. Asset and Liability Management Department

19. Strategic Management and Investor Relations Department

20. Channel Management Department

2 1. International Business Department

22. Ministry of Financial Technology

23. Operation Management Department

24. Management Information Department

25. Corporate Culture Department

26. directly under the authority Party Committee

27. Modern Finance Institute

28. Party Committee Patrol Office

29. Department of Safety and Security

30. Department of Retirement Services and Management

3 1. Trade Union Working Committee

32. Financial Markets Department

33. Asset Management Department

34. Asset Custody Department

35. Investment Banking Department

36. Special Finance Department

37. Pension Business Department

38. Send a discipline inspection and supervision team.

39. Internship Management Center

40. Public service agencies

See if you can fill a building.

In the past ten years, there has been an upsurge of high-rise building construction in major cities in China. Many cities have to build their own buildings first, whether they have money or not. It seems that few tall buildings are dwarfed.

Many of the owners of high-rise buildings are major banks, and these banks may all have their own buildings, whether they are headquarters, provincial banks or municipal branches.

The bank building has become a beautiful landscape in many cities, but for the major bank buildings, many people say that they will not solve the problem. For example, in many cities, the economy is average, but it is possible that local city branches will have their own independent buildings.

Many people have doubts about this. The bank building is very tall. Do they really have so many departments and so many employees working in them?

Whether they are all using the bank building depends on the headquarters, provincial branches or municipal branches.

First of all, there may be bank employees working in the headquarters building. I now have more than 4,000 banks, many of which are relatively large in scale, no matter the number of departments or the number of employees, so for the headquarters of those big banks, they basically use one building for themselves, because there are many departments in banks, and some banks have thousands of employees at the headquarters alone, so it is possible that one building may not fit.

But for those city commercial banks, many banks also have their own headquarters buildings. If the construction area of the headquarters building is relatively high, for example, it reaches more than 30 or 40 floors, some floors may also be rented out.

Secondly, for provincial branches, it is possible that all of them are for their own use, or only some of them are used. For those large commercial banks, basically all provinces have their own independent office buildings. As for whether these office buildings are for your own use, the key depends on the size of the office buildings. For example, if the office building is very high, they may only use part of it and rent some.

But if the office building they use is small, such as less than 20 floors, it is possible that the whole building is for their own use.

Thirdly, for city branches, many city branches actually don't use a building, so some of them must be rented out. Compared with the headquarters building and provincial branches, the scale of a city branch is much smaller. Usually, the number of employees in a city branch is hundreds. For some small commercial banks, it is estimated that there are dozens of branches in a city.

So for these city branches, only three or four floors are enough for them to work. But now many city branches also have buildings. For example, Shenzhen Branch of Bank of Communications has its own 30-story building, but for this building, Bank of Communications only uses 5 or 6 floors, and the rest floors are basically rented out. We used to work in the Bank of Communications.

Then why do many banks build a building or rent the whole building themselves when a building is inexhaustible? As for why many banks have their own buildings, I think there are several main reasons.

First, banks are not short of money.

Banking is one of the most profitable industries in all industries at present. Many banks have tens or even hundreds of billions of profits a year, and they are not short of money at all. Of course, they want a better office environment after they get rich, so it is normal for them to build a new building or the whole building themselves.

Second, the face project.

Banks are places to deal with money, and the quality of office environment directly shows the strength of banks. Therefore, by buying a building or renting the whole building, the bank is actually trying to show its strength and gain the recognition of customers.

Third, banks are only named.

Although many buildings are named after banks, they are not entirely owned by banks. At present, most of the so-and-so bank buildings we see in the city are named after banks. Banks only rent out part of their business, but in fact other office buildings are rented out.