The branch president of a bank complained that because of the high turnover rate of employees in the branch, the branch president asked the branch presidents to strictly guard against rigidity and evaluate the resignation rate of each branch president. And now the bankers on the Internet complain about the bank are basically young employees, the kind of people who resign when they are angry are also young employees, and the kind of people who are disappointed in the bank are even more young employees.
The first thing I didn't expect was that the current bank is no longer a "golden rice bowl" or even an "iron rice bowl", and the pressure of bank work is increasing, which makes those young employees very disappointed after joining the bank
There used to be some jobs in the mainland that were iron rice bowls and golden rice bowls, which used to be the occupations that many people yearn for, and they were proud to have such jobs, such as the former state-owned enterprises, the former large shopping malls and restaurants, and the former large factories.
Of course, the former bank job is also the enviable "golden job", which is also the reason why many young people yearn for bank work, people still look at bank work with the eyes and expectations of those iron rice bowls and golden rice bowls, and look forward to the treatment and benefits provided by the bank.
Whether it is the six major state-owned banks, joint-stock commercial banks, or even local city banks and rural commercial banks, they have all been reformed in the market-oriented manner; although the four major state-owned banks still have the administrative level of senior executives, marketization has penetrated into all levels of internal operation and management, leading cadres can be promoted or demoted, and the income of all employees can be high or low, and grassroots cadres who do not meet the performance standards may be dismissed or demoted. Demotion and the possibility of performance deductions and penalties for employees who make mistakes, and the increasing pressure of bank work is completely inconsistent with the expectations of young employees, and disappointment is inevitable.
Recently, a netizen in Inner Mongolia shared his feelings about working in a large state-owned bank, which may represent the most real feelings of many young employees: He said that working in a large state-owned bank is really happy! Every day is too comfortable! As a corporate account manager of a large state-owned bank, although the basic salary has dropped, the monthly salary is less than 3,000! But our daily workload has doubled! The monthly task completion indicators have doubled! As long as you don't work overtime, the leader will say that you don't work hard. As long as you don't market on weekends, account leaders will say you're not motivated. I feel that I am really happy to work at the grassroots level of a large state-owned bank! Could it be that the young employees that the bank needs are iron men?!
This is the reason why young employees are dissatisfied with the bank, feeling that the bank's income is not as high as they imagined, that the bank's work is not as easy as they imagined, that the pressure of the bank is not as small as expected, that the bank's leaders are not so approachable, and that the bank needs to work overtime and not have so much rest time. All behaviors touch on the pain points of young people: income, pressure, assessment, leadership, can young employees not complain about the bank? Can they not leave the bank? But what should be clear here is: do young people still have the job they want?
The second thing I didn't expect is that the current bank has changed from enterprises and individuals seeking banks to banks seeking business from enterprises and individuals, which makes those young people who desperately want to join the bank feel disappointed
When a friend was working as a branch manager, he once received a college student recommended by a leader who wanted to join the bank, and asked him why he wanted to work in the bank? He replied: The bank job has a high income, high social status, relaxed and happy, and some people want to do business, check it every day to see if there is any problem, and then tell the customer that your loan application is approved or not.
This is the misunderstanding that people have in the bank: a clean and tidy office environment, well-dressed handsome men and women, easy and happy work every day, high income and bonuses, and more importantly, go out and say that there is face in the bank, whether it is a business or an individual are begging for bank loans and services. Many young people imagine a bank job, and it is a bank employee who makes people in society drool with jealousy!
But what about the real bank work? Banks have long since changed from asking for banks to asking for people, and in the past, they were asking for deposits, and the so-called one person was busy in the bank and the whole family, because the deposit task was heavy and the pressure of business development was too great, and the whole family helped to complete the business targets; some complained that the bank's task was too stressful, and what "If relatives and friends in Luoyang ask each other, they will say that I am pulling deposits; and when they sit up in a dream in the middle of the night, they will say that they are pulling deposits." "There are even many grassroots branches of banks that do not hesitate to spend money on deposits by branches and employees in order to complete their tasks, which has been widely the case.
Now the situation is even more serious, there are fewer and fewer people buying deposits, and more and more people are buying loans. Do you think it's ridiculous? But that's the reality. Since the beginning of the previous year, the presidents of many grassroots banks have gone crazy faster and faster, because there are more and more deposits but loans cannot be disbursed, which means that banks cannot realize profits through the interest rate difference between deposits and loans, so the loan pressure of bank grassroots outlets is increasing.
This is a huge psychological impact on those young employees who feel that loans are power, feel that corporate customers and individual customers are asking you to issue loans, and even a subversive cognition, not only psychologically difficult to accept, but also feel that there is no sense of superiority and pride in working in the bank, not only no one asks, but also to ask for deposits and loans, which makes it difficult for many young people who seek to work in the bank to have a sense of superiority, and leaving the bank may be their best choice. This is also the reason why many people say that working in a bank is not as good as taking the public examination, you should understand, and now only the public examination can satisfy the superiority and pride of some young people.
Netizen Mei Xiaoting graduated from banking school in 1985 and joined the branch of a large state-owned bank, and has worked in state-owned banks and joint-stock banks for nearly 40 years. From 1987 to 1994, when he worked at the counter of a large state-owned bank, the bank's respected and high-status customers had to talk to the bank with their faces raised when they went to the bank to handle business; in 1994, netizens jumped ship to joint-stock commercial banks, and until 2010, there were more and more banking institutions. After 2010, bank employees increasingly need to talk to customers with their faces up, and now it is no longer a question of who looks up to whom, but a question of customers becoming more and more capricious to bank employees. This change will have a very big impact on the reality of the bank, and it will also have a very big impact on the bank's young employees.
The third thing I didn't expect was that the salary of the bank was getting lower and lower, and the expectations of the young employees of the bank were disappointed
Banks are no longer iron rice bowls, which makes some young employees feel disappointed; banks no longer have a sense of superiority and high social status, which makes some young employees find it difficult to accept; but what is even more difficult for young people to accept is that the salary of banks is not as high as people think, which makes it difficult for those young people who want to go to banks to earn high incomes.
Many people imagine that the salary income of the bank is like this: the monthly income is more than 10,000 yuan after joining the bank, and the annual salary is more than 500,000 yuan after five years, and even should reach more than one million. But what about reality?
The reality is that wages in all walks of life have been rising in recent years, but banks are facing the dilemma of salary restrictions, salary cuts, and recovery of salaries that have already been paid, and the overall wage level of bank employees is in a stage where it is not increasing but falling.
Although the salary level of banks published on the Internet is still considerable:
According to the annual reports of the six major state-owned banks, the per capita salary of the six major state-owned banks will exceed 300,000 yuan in 2023, of which the per capita salary of Bank of Communications will reach 435,500 yuan, Bank of China ranks second with 357,800 yuan per capita salary, China Construction Bank with 343,200 yuan, Industrial and Commercial Bank of China with an average salary of 342,400 yuan, Agricultural Bank of China with an average salary of 341,180 yuan, and Postal Savings Bank of China with 329,800 yuan.
In 2023, the average salary of the 13 listed national banks will be 382,600 yuan, including 573,800 yuan for China Merchants Bank, 571,800 yuan for Industrial Bank, and 569,700 yuan for China CITIC Bank.
On the whole, the annual salary of senior executives of the head office of state-owned banks is about 1 million, and the average salary of senior executives in provincial branches is about 500,000 or 600,000 yuan, the average salary of leaders in prefecture and city branches is about 300,000 or 400,000 yuan, and the annual salary of county-level presidents is about 200,000 yuan. The average annual income is about 70,000 or 80,000 yuan when the efficiency is good, and about 50,000 yuan when the efficiency is poor.
A department manager who has worked in the provincial branch of the Bank of China for eight years, he said that after deducting six insurances and one housing fund and enterprise annuity every month, he can get more than 4,000 money a month. A manager of the city branch of the Agricultural Bank of China said that the phenomenon of employees complaining every day that their monthly salary of 3,000 yuan exists in large numbers at the grassroots level; the monthly salary of undergraduates who joined the Industrial and Commercial Bank of China last year was only about 3,000; and the salary of graduate students who just joined the bank last year was 200 to 300 more than that of the little girls of the Industrial and Commercial Bank of China. There are also a large number of netizens complaining on the Internet that their monthly income is less than 3,000 yuan.
Some college students joined the bank, neither did they expect the bank work requirements to be so strict, the tasks were so heavy, and they did not expect the bank's income to be so low.
Re-understanding of the current situation of the bank: bank work is a normal job, not as good as imagined and not as bad as complaining, and the key is dissatisfaction caused by excessive expectations
How do you view the work of banks? Is bank work good or not? It should be said that it is indeed not as good as before, the social status is not as high as imagined, it is no longer the iron rice bowl it imagined, the income is not as high as imagined, and the development will not be as fast and easy as imagined, but this is a trend, and this trend will continue in the future.
But the bank is not as bad as everyone says: the bank's income is still above the average level of the society, the bank's job is still a relatively stable job, the bank's platform is still a trustworthy platform, the bank is still an institution that provides a better space for the development of employees, and the bank is still the choice of employment for many people.
In fact, there is a deviation in the perception of bank work, after all, a bank is a normal job, and it is unrealistic not to give more meaning to bank work, nor to hope that you can change your fate and social status by working in a bank. After joining the bank, young employees of the bank feel that the bank is not a good job, and it is a good choice to resign from the bank and leave the bank, which is actually extreme.
At present, the bank is still not easy for ordinary people to enter, and when they finally enter, they will find that the bank is not as good as they imagined! However, the competition for your entry is not at all better than the test tolerance, what does it mean? It shows that it is not easy to join the bank, since you have joined the bank, you must look at it objectively, you must first have a good attitude, after all, it is not easy to go anywhere in the workplace, do not regard yourself as the sweetheart of the workplace, it depends on whether you have the ability and resources. Do you think banks are good jobs? Why do young bank employees want to quit? Now you know?