Which bank is the best to use

Generally speaking, China People's Bank is the best. The four major state-owned banks are relatively stable, but their returns are not particularly high. Commercial banks have higher returns, but they are not particularly stable, so they should choose according to their own conditions.

Here are some bank introductions.

I. Head Office to branches:

Generally speaking, the head office has advantages in income, welfare, working environment, promotion and development opportunities, but it does not rule out that a good branch office has better treatment than the head office, so it depends on the individual's specific choice.

Second, the people's Bank of China remuneration package:

The salary of new employees is 2500,2600 yuan a month (excluding other small benefits), and there is a small amount of money on holidays. There is also a piece of salary, some secret and mysterious, but the first piece accounts for the absolute majority; Treatment from the palace: new employee, one month 1000, no money for the holidays, and the other piece is miserable. Only six or seven hundred people got it after becoming a full member. There is a lot of salary increase every year-more than 30 yuan a month, which may be the point that everyone is most concerned about. I can't be blunt here, but I tell you that the People's Bank of China is treated as an upper-middle class in local cities. The more you go to underdeveloped areas, the more obvious the advantages of people walking and the better you feel. The people's bank of China has a good welfare guarantee, and the deduction amount of housing provident fund is relatively high (how much more than it? ), I only say this because of comparison. When you become a chief clerk, your salary will change to some extent. Don't worry too much about the house when you walk. Work comfort

There is also a gap in the relaxed working environment.

Three or four state-owned banks

The four major state-owned banks are generally relatively stable, and there will be no ups and downs in wages. The training system is also better. The Shanghai branch established by China Agricultural Engineering Construction Co., Ltd. basically only recruits local students.

Industrial and Commercial Bank of China

As a bank that can be seen in every street, the treatment of ICBC employees is inversely proportional to its size. It is recognized as the bank with the lowest income among banks, but because of its comprehensive business, it can learn a lot and has little pressure. Moreover, the flow of low-paid and low-paid personnel is relatively large, the promotion is fast, and the development is better. Treatment ★ Stability ★★★★★★★★ Development ★★★★★★★★★ Comfort ★★★★★★★★★★

Wages and benefits:

It is almost a well-known fact that ICBC's previous salary was low. The monthly salary was about 5,000 yuan (before tax) plus the year-end bonus, which was the worst among the four major banks. Moreover, many employees of ICBC reflect that the salary distribution of ICBC employees is extremely unreasonable: there is no specific model; Not by seniority, only by position; The salary gap between senior positions such as president and bottom employees is very large. ICBC really disagrees with employees' wages and benefits. However, there are signs of wage reform recently, so the road ahead is still very bright. It is said that after the reform, the counter staff in Beijing also got an annual salary of nearly 80 thousand.

Career development:

Although the salary of ICBC is not high, it is definitely a learning platform, and you will learn a lot from it, which also adds a powerful bargaining chip for you to jump ship to foreign banks and commercial banks. However, ICBC's process control is particularly strict, and sometimes it takes some energy to write instructions to the leaders.

Work comfort:

Working hours are related to departments. Some departments are busy but don't need to work overtime. Some departments need to work overtime every day when they are busy, and the overtime pay is not too considerable and it is not so easy to get. Because it needs layers of approval, you can basically regard it as unpaid overtime.

Bank of China

China Bank, like ICBC, has a relatively complete training system and has certain advantages in doing foreign currency business. According to the information obtained by the landlord, the average monthly salary of alumni who have worked in a branch of China Bank for one year is about 5,000 yuan. The salary is stable and the development is comfortable and comfortable.

Wages and benefits:

Guangzhou area: the salary in the first year is very small: about 2,500 before tax for undergraduate students and less than 2,000 after tax; Master students are 300-400 higher than undergraduates before they are full-fledged, but they can be full-fledged after 3 months, which will be much better, while undergraduates will not be full-fledged until 1 year. In addition, BOC has a better housing policy. If you want to work in the Bank of China, you can have a better house when you start working. Career development:

China Bank attaches great importance to the talents in the banking industry and the training of its employees. Employees can learn a lot about banks and have the opportunity to be promoted from the branch to the head office. Work comfort: normal working hours.

China construction bank

It is said that the treatment of different branches of CCB is still very different, and there is a jingle called "National Treasure 125, Sub-branch Sales Department". That is to say, the international business department, Baoshan branch, the first branch, the second branch, the fifth branch and the branch business department have better benefits. Treatment ★★★★★★☆ Stability ★★★★★★★ Development ★★★★★★★★★★ Comfort ★★★★★★★ ★ Salary and benefits:

CCB has developed rapidly in recent years, and the increase in income has also brought high income to employees. Although the salary of CCB is not comparable to the Big Four, the bonus (to put it bluntly, gray income) is still a considerable income. However, even under the same banking system, the income levels in different regions of China are different. For example, the monthly salary of ordinary employees in a branch in Sichuan Province is about 3,000 yuan, but the annual salary of provincial organs is not less than 6,543,800 yuan. The monthly salary of Shenzhen branch is 5600 yuan in the first year and 7000-8000 yuan in the second year. Good branch 10000. Generally speaking, the treatment of different branches varies greatly. Generally, the annual salary of CCB is about 65,000.

Career development:

CCB will guarantee your life after retirement, as well as subsidies for buying a house and renting a house. You don't need to work hard for the house. After retirement, CCB will give you enough money to make you happy and secure. CCB doesn't value whether you are from a prestigious school or not. Your development after joining the company depends on your personal ability. worker

Comfort:

There is no need to work overtime in CCB, and there will be a lot of free time, which is particularly attractive to many girls. Moreover, in your spare time, you can increase your value by studying. If you have worked for five years, CCB may send you out to study. The working environment of the bank, because many of them need to face customers directly, is very particular, which will ensure that you can sit comfortably in a cool air-conditioned office and have buses that are easy to deploy.

Agricultural Bank of China

Treatment ★★★★★☆ Stability ★★★★★★ Development ★★★★★★ Pressure ★★★★★ Salary and benefits:

After 6500/ month, the housing subsidy 1500 or so, the meeting of software development department is higher, but the treatment of front-line workers is poor. Before becoming a full member, you may only get 2000-3000. After becoming a full member, you will get basic salary+performance bonus+year-end bonus+various holiday expenses. Of course, the specific figures will be different in different cities. Career development:

Upgrading the Agricultural Bank of China to the first level is equivalent to upgrading the enterprise to the third level, so it is difficult to jump, with great competition and many relationships. There are many farmers in Tsinghua Peking University.

Work comfort:

Under the same salary, ABC has the lowest work intensity and the least work pressure, so it has always been dubbed that working in ABC is suspected of providing for the elderly. As for good or bad, people have different opinions. People who like leisurely life and don't like high pressure may wish to consider it.

Four, small and medium-sized joint-stock commercial banks

Due to the fierce competition of joint-stock commercial banks, in order to retain talents, the treatment will not be much different, especially for core marketers. Due to fierce competition, joint-stock banks are under greater pressure than the four major state-owned banks, and will be replaced if they fail to do well. The leadership level is also under pressure from branches and the head office, and the heads of branches often rotate their posts, which causes the salaries of some banks to fluctuate greatly due to the change of presidents. It is generally difficult for small and medium-sized joint-stock banks to provide relatively perfect training for new employees who have just graduated. Moreover, because the employees of small and medium-sized joint-stock commercial banks have relatively high academic qualifications and slow internal promotion, the development space has certain constraints. In small and medium-sized joint-stock banks, it is basically impossible to make a fortune, but there is no problem with food and clothing.

China Merchants Bank

As the winner of the most controversial employer award in the job search edition of the World Economic Forum in 2007, although China Merchants Bank has solved 199 jobs for the graduates of financial universities in 2007, and although China Merchants Bank has provided many benefits (I think it is not low), there are still many alumni who hate China Merchants Bank. Why? I hope some alumni of China Merchants Bank can have their own opinions. By the way, China Merchants Bank accepts non-local students. Treatment ★★★★★★★★ Stability ★★★★ Development ★★★★★★ Comfort ★

Wages and treatment

Compared with other domestic banks, the salary of China Merchants Bank is very good. In addition to the basic salary, there is a monthly bonus of 1, 000- 1, 500, five festivals a year, holiday fees for Spring Festival, National Day, May Day, November Day and New Year's Day, double salary in June, 65438+2 months, and quarterly bonus and year-end bonus. These add up to just now. Account managers can get an annual salary of10.5 million yuan, and there are many enviable places in terms of welfare. For example, in Chengdu Branch, the lunch voucher for employees of China Merchants Bank is the highest standard 1 yuan, and there is a car to pick them up from work.

vocational development

New employees will have three months of training time. After half a month's training, management trainees will be assigned to various outlets for rotation training and promotion. Because China Merchants Bank is also a very young company, and its scale is constantly expanding, there are still many opportunities for promotion. Compared with the four major state-owned banks, China Merchants Bank pays more attention to personal performance and performance. In the Big Four, you can only be promoted if you have lived for years, but China Merchants Bank can be promoted at any time as long as it proves its ability.

Work comfort

In terms of working hours, there is a loud complaint that China Merchants Bank is too tired. Although the salary of China Merchants Bank is relatively high among domestic banks, the work pressure of China Merchants Bank is far greater than that of the four major state-owned banks. Generally, I work from 8: 30 am to 7: 00 pm, with only 20 minutes for lunch (Beijing Branch).

Treatment of Shanghai Pudong Development Bank ★★★★★☆ Stability ★★★★★★ ★ Development ★★★★★★★★★ ★ Comfort ★★★★

Pufa, known as the eldest son of the Shanghai municipal government, has always been recognized as a bank with a number of employee benefits in Shanghai. It has declined in recent years, but the lean camel is still bigger than the horse. The welfare is still good, and there are low-interest loans or mortgages. Some alumni downstairs have put forward new views on the treatment of Pudong Development, and I welcome them. Maybe the channels are different, and the treatment of Pufa is very different from top to bottom. Now, I'll give you a four-and-a-half-star treatment score first.