Author: Sprouts
Source: President's Reading
As the saying goes, where there are people, there are rivers and lakes, where there are rivers and lakes, there are interests, and where there are interests, there are relations.
As a financial institution for the purpose of profit, the ultimate goal of business development is to constantly find resources and tap customers, so as to occupy a larger market share.
People with connections and backgrounds happen to cater to this demand of the bank because they have the resources in hand, so that they can thrive in the system.
As we all know, banks are a gathering place for related households. To tell the truth, over the years, the examples of Xiaobian relying on the relationship around the position abound, in the past and Xiaobian at the same time, colleagues sitting at the same counter have now been promoted to the head of the outlet, and Xiaobian is still standing still. Although he thinks that his ability and education are slightly better than his colleagues, but "back against the tree to cool off", the relationship behind him is doomed to us not running on the same starting line.
For this kind of injustice that is visible to the naked eye, Xiaobian has been depressed, disappointed, confused, and complained, "Why can he be the person in charge of the outlet, he has an ordinary undergraduate degree, the business is not skilled, and the service attitude is poor..."
What is he relying on? By the relationship, by the background, by the huge profits brought to the bank by the resources. Once the "academic qualifications" and "abilities" cannot complete the profit transformation, they are worthless in the eyes of the bank.
For example, if you are a wealth manager, you need customers to buy wealth management, funds, insurance, trusts, precious metals. If there is a relationship and background, a phone call can be easily done. If it doesn't matter, even if you are a high-achieving student at Peking University Tsinghua University, you may not get anything by calling existing customers all day long.
If profit generation is the absolute trump card for promotion, then it is with the resources in their hands that the relationship household uses the resources in their hands to achieve a strong crushing of the capable and unrelated.
I know that there are often exposés on the famous school graduates, after five levels, cut six generals, and finally got the offer, happily joined a big line, and found that among the people recruited in the same batch, there are many ordinary college graduates who have not even heard of the name of the school.
After joining the company, it was found that so-and-so was the nephew of the president, and so-and-so was the son of the boss of a large company. Regardless of their ability, they are arranged in important positions in order to please the "big tree" behind them. These people do not worry about pulling deposits and lending, and they have become an ecological feature inherent in China's banking industry.
Over the years, grassroots employees at the bottom of the food chain have been deeply affected, and in the face of background relations, the so-called high education and high ability seem to be useless, and the drama of hard work without being rewarded is often staged. Seniors should also take their turn in leadership positions, but they are occupied by the relatives who have parachuted in, and the grievances and resentments in them are self-evident.
Although in recent years, in the recruitment announcements of banks, we often see a mandatory rule - candidates need to comply with the relevant provisions of our bank's relatives recusal system.
However, in fact, how many banks can actually do it? However, these are just tricks to sell dog meat with sheep's heads, and banks can perfectly circumvent the restrictions of this system by recruiting each other's relatives.
In April last year, China Construction Bank issued the Regulations on the Recusal of Employees' Relatives, which further regulated the recusal of relatives in the recruitment of employees and the appointment of leading cadres in the bank. It is clear that all employees' relatives shall not be recruited to work in the headquarters of the head office, and shall not be recruited to the same internal department, the same business outlet, the same directly subordinate agency, the same overseas organization where the employee himself is located...
This provision does reflect fairness and justice to a certain extent, but to solve the problem of bank relations, it is by no means a day's work, and all parties need to grasp and manage together and persevere.
Only by truly realizing healthy competition can the entire financial system achieve long-term and stable development!