How does the bank treat the public account manager?

I think this should be the issue that everyone is most concerned about, so let's talk about it at the front.

The bank's treatment consists of four parts: basic salary, welfare subsidy, performance bonus

1. Basic salary: The bank's basic salary is paid according to different employee ranks and divided into different grades. For example, our bank is divided into 1 ranks, which is said to be 25 for ICBC and 13 for MS, and each rank corresponds to a different basic salary. People who have just entered the bank are usually at the lowest rank and have the lowest basic salary. My basic salary in the first year is a little over 2,. If the bank's business performance is good, the basic salary will increase by about 5% every year.

2. Welfare: (1) Five insurances and one gold (medical insurance, unemployment insurance, industrial injury insurance, old-age insurance, maternity insurance and housing accumulation fund) are deducted from the basic salary, which will probably deduct 2% of the basic salary. Among them, the housing provident fund is more cost-effective. If you deduct 5 yuan every month, the unit will deposit 5 yuan in your provident fund account accordingly, which is equivalent to having the housing provident fund in 1 yuan for one month, which is very useful when buying a house. (2) Holiday solatium: Generally, supermarket shopping cards are issued during May Day, National Day and Spring Festival, ranging from several hundred to one thousand each time. Different banks issue different solatium. For example, on the Mid-Autumn National Day, our bank issued 3, shopping vouchers in addition to moon cakes.

3. Subsidies: The monthly transportation subsidies range from 5 to more than 2,, and the higher the position, the more the account managers are, with about 7; Communication subsidies range from 1 to 5 per month. Chinese food subsidy is about 3 per month; The housing subsidy is about 15 yuan per month, but it will be cancelled soon; Housing subsidies vary from bank to bank. For example, MS Guangzhou Branch has its own employee apartment at the top of the post, which is a two-bedroom apartment. The bank will arrange for new employees to live there, but as far as I know, if they give up the apartment there, people's livelihood will not be subsidized.

4. performance bonus: (1) quarterly bonus, two or three thousand yuan; (2) year-end award, more than 1,. (3) Sales bonus is the reward for selling all kinds of bank products at ordinary times, which varies greatly from person to person. Some powerful account managers can get more than 5, sales bonuses a year, and fewer people will do counter work. Performance bonus is closely related to the operating performance of each outlet. Here, different banks have different policies. MS's performance bonus is divided into activity expenses (that is, commission, for example, making a loan will have related commission income, which is the main source of income for the account manager who makes the loan. ) and profit-making bonus, the average monthly activity expenses of my managers can reach about 1 thousand yuan. I have seen account managers who spend more than 2 thousand yuan every month.

Based on the above four items, the average bank employee, that is, teller and account manager, receives a salary ranging from 4, to 1,. There is no small difference in different cities. In first-tier cities such as Beijing, Shanghai and Shenzhen, there should be more than 1,, while in remote cities, it is about 4, to 5,. Nowadays, banks are basically listed companies, and their business goal is to maximize profits for shareholders. The accounting system is relatively standardized, and the salary of employees should be greatly worse than before, and it can only be regarded as a little above average in every city.

On the whole, the salary level of banks is still above the average in a city. Take MS as an example. The newly hired staff is a 13-level clerk, and the total annual salary of the 13-level clerk is slightly less than 1, yuan. Then if you can advance to level 11, then the total income of one year can reach more than 2,, only two levels, and the difference is very large. As far as the account manager post is concerned, as long as you can do a good job, such as issuing a lot of loans or pulling back a lot of deposits, many of which usually mean more than 5 million, you can be promoted to a very high level at once. Sometimes, if you have a good relationship with a well-done account manager, that account manager may hang all the achievements under his own name on the new employees, so that the level of new employees will soar, and the income and related benefits will also be raised accordingly, thus making up for the risk of low income or being relegated to supernumerary because there is no customer base for new banks. Why does the account manager do this? MS's grade evaluation seems to be once in the first quarter. After your grade is raised, you can have three months to drop it (if your performance can't be maintained, the grade will drop, and it will not come one by one in order, but once in place. ), so that you have time to fully do business. Of course, this must meet a good account manager, but most business managers will not care too much about these-the above ratings are for small banks, because the performance appraisal of small banks is personal. However, the big four banks, such as China Merchants Bank and Bank of Communications, are different. Their performance is assessed by the team, so that newcomers will not have too much pressure and can learn things more calmly, but it also means that the income of newcomers at first will not be as high as that of individuals.

Supplement: I am currently working in China Bank in Kunming and working as a wealth management account manager in a branch. At the beginning, I left home to Kunming because I yearned for the south of colorful clouds. It is really beautiful and moving here. Welcome to Kunming, too, hehe!

ii. banking institutions

1. organizational structure of banks. National commercial banks adopt a three-level organizational structure: a head office is set up throughout the country, most of which are located in Beijing, Bank of Communications in Shanghai and China Merchants Bank in Shenzhen. If you are lucky enough to work in the head office of the bank, congratulations, the treatment and opportunities are great. Under the head office, the five major state-owned banks will set up a provincial branch in each province to take charge of each province's business, and then set up a municipal branch in each city. If you can enter the provincial branch and the municipal branch in key cities, it is also quite good; Small joint-stock commercial banks have no provincial branches, but set up municipal branches directly in key provincial capital cities. Below the branch is the branch, which is the bank outlets we usually see. It is the forefront of bank operation and directly serves the customers.

2. The main administrative department of the bank. The head office and provincial branches of banks set up offices, human resources departments, accounting departments, legal departments, information technology departments, international departments, credit departments, electronic banking departments, private business departments, corporate business departments and other administrative departments. These departments are usually called "organs" and "backstage" because their main responsibilities are to manage and plan various businesses, not directly facing customers, and it is relatively easier to work in these departments than in branches. Sub-branches, as business outlets, no longer subdivide departments, and are mainly composed of vice presidents, account managers and tellers.

3. At present, banks usually recruit in the name of provincial branches, and after they are hired, they will be trained intensively. Then most of them will be assigned to various branches, and a few will stay in provincial branches (usually graduate students). After being assigned to a branch, you usually have to be a teller first, and then a lobby manager or an account manager.

Almost all the newcomers in the big four banks, China Merchants Bank and China Communications Bank started with tellers, but for small banks like Minsheng Bank and Shanghai Pudong Development Bank, newcomers don't need to start with tellers first. There are good and bad points in this. The good point is that those who don't want to work as tellers and accountants can get in touch with the work of business lines directly. The bad point is that there is no buffer time for doing business directly, and they can't fully and comprehensively understand the various businesses and operations of the bank, which is a bit like the feeling of becoming a bank halfway. Just like I often come across jobs that have contact with accounting lines now, they think it is something common sense, but I don't understand it at all. I once talked to some old account managers, and their views are almost the same: if you want to be a bank for a long time, you should start from the four major banks and start from the counter step by step to gradually cultivate your own customer base. Working in a bank and having customers means the right to speak and high income. Moreover, the treatment of newcomers in the four major banks is also very good. We can't just see their wages and subsidies. The four major banks also sell a lot of insurance, bonds, gold, etc. every year, and these incomes are not cheap. Of course, graduating from the four major banks is for graduates who have no background or connections at home. If the family has strong background and connections, it is a very good choice to directly join the business department of a small bank. We have an account manager who skipped from China Petrochemical because Sinopec's income is too low ... …OMG… ... I can't even get in if I want to ... She thinks it's too low ... After she came to MS, she pulled the project of Poly Real Estate, and her commission for the three-month project reached dozens. It turns out that she is related to the senior management of Poly Guangzhou ... Don't get me wrong, it's a completely normal and compliant project-

III. Jobs

Because I have been working in a branch network, I don't know much about the positions of the branch offices, so I will focus on introducing the positions of the branch here. If you are interested in other positions, you can ask questions separately, and I will answer them separately after questioning my colleagues.

1. Teller. A teller is a staff member who sits at the bank window to handle business for customers and belongs to the accounting post of the bank. The job of this position is relatively simple, mainly dealing with specific banking business such as spending customers, depositing and withdrawing money, signing agreements, etc. Most people who enter the bank must first get familiar with and master the banking business from this position. Teller post requires friendly and courteous service attitude, careful compliance and risk awareness. Tellers often deposit customers' money wrongly or receive counterfeit money because of carelessness, all of which require tellers to pay for compensation themselves. Tellers have a strong work intensity. They have to sit and do business all the time since 9: am. When there are many customers, they almost can't even take care of drinking water and going to the toilet. After closing at 5: 3 pm, they have to tie up accounts, bundle money and sort out documents, and then wait for the cash truck to collect the money before they get off work, about 6: 3. Tellers usually take two days off from work, and some banks take two days off from work for four days. Teller's income is linked to business volume and sales performance, so while maintaining a cordial attitude and handling business quickly, we should also seize the opportunity to promote new bank business and wealth management products to customers. If we don't sell them, teller's salary and bonus will be less.

Most tellers have to arrive at the bank at 8: 2, because there are still things that we have learned in the practice of commercial banking, such as meeting, collecting trunks and vouchers. It's good to be able to leave around 6: 3 pm, and it's quite normal that the tellers over there haven't left at 7: . Moreover, the teller's work is single and repetitive, and the machine is meticulous. It is not enough to make a little mistake. Once, a customer was taught to go back to the bank to correct the counter business because he wrote the wrong date.

2. lobby manager. The lobby manager is mainly responsible for managing lobby facilities, guiding and diverting customers, guiding customers to fill out documents, finding valuable customers, introducing new products to customers, and handling emergencies. The lobby manager is a "waiter". He should be familiar with the counter business and have strong communication and marketing skills. He should constantly greet customers and ask about the business they want to handle. He is very tired when he goes to work most of the time every day. Most lobby managers are beautiful, but the overall quality of China Merchants Bank is higher. You can go to China Merchants Bank to see beautiful women-hehe

3. Account managers. Account managers belong to the marketing posts of banks and are divided into personal account managers (wealth management account managers), corporate account managers and personal loan account managers. (1) Personal account managers mainly serve private customers, that is, individuals. Some banks are called wealth management account managers. Their duties are mainly to maintain old customers, develop new customers, pull deposits, sell banking products, etc. Personal account managers need to have deposits, treasury bonds, funds, stocks, insurance, gold, foreign exchange and futures (these products are almost monopolized by six big banks, and the income in the middle is not to mention. Personal account managers do not necessarily need you to have good social resources because they are facing a large number of individual customers, and they do not need entertainment such as drinking at work. They mainly rely on enthusiastic, thoughtful and professional services to win the trust of customers, and then sell banking products to achieve performance growth. (2) The corporate account manager mainly serves corporate customers, that is, the government, institutions, enterprises, companies, etc. His job responsibilities are mainly to attract corporate deposits and issue corporate loans, requiring strong social skills, understanding the world, frequent entertainment, and drinking. If there are government officials, state-owned enterprise executives and company bosses at home, it will be easier to do it. (3) Personal loan account managers are mainly responsible for marketing and handling personal loans such as personal housing loans and auto loans, which require a strong sense of risk, and their work content is much more simple than the above two account managers. Account managers are divided into assistants, managers and senior managers, and their income is relatively flexible. I work as an assistant to a personal loan account manager in MS, and my specific business is personal commercial loans. For small and micro business owners and individual industrial and commercial households with housing property rights, you can contact me if you need it at home-haha, by the way, sell an advertisement-hee hee

IV. Work stress

It is estimated that everyone has heard that the bank's work is very hard. Here's what the bank's work pressure and hardship are.

1. Long working hours. Usually, the banks we see open at 9: in the morning and close at 5: 3 in the afternoon. Actually, it is not the case. The bank staff will check in at the fingerprint of the company at 8: 3 every morning, and then have a meeting or prepare for work. After opening the door, they will go to work for an hour, eat at noon, and continue to deal with business or have a meeting and training after closing in the afternoon. They will not leave until at least 6: 3. Banks don't talk about labor laws at all. They work more than 1 hours a day, and there is no overtime pay for overtime work.

2. There are many tasks. Every post in a bank will have different tasks. The most important task is the president and account manager of the branch, and the teller is not easy. If you have paid attention to the bank statements, you will find that the annual performance growth of banks in China is at least above 4%. What makes such a substantial growth? It is to put pressure on employees by working on the next task layer by layer. The head office assigns tasks to provincial branches. In order to ensure the completion of tasks, provincial branches generally give 1% more to branches, and the branches give 1% more to account managers and tellers. The performance of banks requires growth every year, and the tasks of employees are more and more year by year, and the types are complicated. For example, a teller requires you to deposit 1 million yuan a year, handle 3 credit cards, sell 2, funds, sell 1, insurance, open 2 online banking accounts, and so on. The account manager is even worse, with a deposit of 1 million yuan (this figure is too low, and the deposit pressure of MS personal loan newcomers is 25 million yuan in half a year, and that of corporate newcomers is 5 million yuan, not to mention the full-time account manager. ), 15 credit cards, 2 million funds, 6 thousand insurance, and 2 high-end customers. It's okay in the four major state-owned banks, with a huge number of customers. If you don't have the ability to expand new customers, you can tap the potential of existing customers, but it's terrible in small banks, with a small customer base and going out to find customers every day. Maybe you can ask relatives and friends for help in the first year, and ask for new ones in the second year. Where can you find them? Moreover, leaders should regularly announce the completion of each task, and talk to you if you can't do it well, or you will be given less bonus, or you will be demoted if you can't. For corporate account managers, it is even more necessary to sacrifice health.