"When one person is in the bank, the whole family is busy." What do you think of this sentence?

It is a bit exaggerated to say that one person works in the bank and the whole family is busy, but the reality is really like this, because if a person works in a bank, he will eventually work as a teller or run business in the backend. It depends on how big his business volume is and how much capital he brings in.

We will see some office bank employees in the bank. They handle various financial services such as reissue of bank cards, deposits and withdrawals for us. Basically, these employees have just joined. They belong to a bank, and they have no performance. If they can only bring in a few million or even tens of millions of deposits when they first join the bank, they basically don’t need to be in the front, because the number of employees in the bank is far less than we imagined. It is impossible for a bank to only have those three or five employees. Many of them are in the back office. They even say they don’t go to work because they are just collecting deposits. This is the main criterion that determines the effectiveness of their work.

If a bank wants to develop, it naturally needs funds. Because he and his mother, the great central bank cannot always open its mouth, so if it wants to develop, it must leverage funds from the outside. Only when the government has funds for activities can it issue loans so that they can earn the interest difference, which is their main source of profit. For example, they absorb some customers' deposits and give 3% interest every year, and then Releasing deposits means giving loans to others, with an interest rate of about 9% to 12%. The interest difference is their main profit.

There are actually not many employees in the bank, but a large part of them are in the backend. They do not handle corresponding business at the counter, because they can attract deposits themselves. If a teller wants to leave the teller job, In this situation, the simplest and most effective way is to attract deposits. If you can attract millions or tens of millions of deposits, you won't need to do basic business there immediately. You only need to drink tea in the backstage every day. Watch TV, look at the computer, and your leisurely days are basically over.