"I don't want to stay for a day. I can't walk away."
"After leaving the bank, I am very satisfied and happy every day."
"Don't worry about deducting money if the task is not completed."
……
Nowadays, when searching for the keyword "bank resignation" on major network platforms, many topics will appear, and there are many discussions in the exchange area.
In the microblog super words "did you resign from the bank today", 58000 posts have been read by 320 million people. Someone came here to punch in and leave a message after leaving the bank; There are also struggling banking practitioners here to express their feelings.
Once, a bank job was a decent and stable "golden rice bowl". But now, the bank has become a place where many young people line up to "escape".
former banker tells about teller life:
you must always face the customer and have no chance to breathe
After seven years in the bank, Zhang Yang (pseudonym) officially submitted his resignation letter in September this year.
In 1991, Zhang Yang studied finance at Chongqing University of technology and industry. After graduating in 2014, he entered a local bank in the envious eyes of his classmates.
For a financial graduate, entering a bank is a good choice. After layers of selection, the bank's job fair, "the bank I applied for only recruited more than 30 people in Chongqing, but I learned that nearly 1000 people signed up in our school alone." Zhang Yang told the Red Star capital Bureau.
After several twists and turns, Zhang Yang switched to Chongqing Rural Commercial Bank (601077. SH) in 2018. New employees should experience in grass-roots organizations. Even with several years of work experience, Zhang Yang's first job in Chongqing rural commercial bank is still a counter teller.
The work of the teller is not easy. Zhang Yang said that outlets are officially opened at 8:30 a.m. and tellers usually prepare half an hour in advance. They usually arrive at the unit at about 7:30. "some outlets will also pick up the cash truck. If the cash truck arrives before 7 o'clock, the staff will get up at 6 o'clock in the morning."
A day's work starts from going on the counter, and there is basically no rest time. "I'm so busy that I don't have time to go to the toilet and drink water", Zhang Yang said that due to the internal management system of the counter, many things are placed on the table and people can't leave. Even if you leave, you should put all the materials away and lock them.
Secondly, you can't use your mobile phone. Of course, you are too busy to watch your mobile phone. Even if you have time, you will be fined if you are monitored.
must face customers all the time. There is no chance to breathe. is Zhang Hua's feeling after sitting at the counter for half a year.
Many people envy that the bank closes at 5 p.m., but in fact, after it closes, there are still a group of people sitting in the dark room. "After the customer's business is completed, the staff will have to settle the accounts for one day. All cash, vouchers and documents can't make mistakes. They can't leave until they are all collected." Zhang Yang said, in recent years, banks have implemented network transformation, with more and more on-the-job training and skill tests. Accordingly, overtime is becoming more and more late.
There is a super word on the microblog - "did you resign from the bank today". So far, you have accumulated 58000 posts and 320 million reading. Every day, many former employees of the bank come here to "punch in": "after leaving the bank, they are very satisfied and happy every day"; There are also struggling bankers who confide in this: "I don't want to stay for a day, and I can't walk away.".
The bank is like a besieged city. People inside want to go out and people outside want to come in.
According to the Red Star capital Bureau, the recruitment threshold of banks is still rising. Some employees of China Construction Bank Corporation(601939) (601939. SH) told the Red Star capital bureau that the basic thresholds for newly recruited employees around them are "985 and 211 key universities", "graduate education", etc. "now the recruitment is more volume".
account manager carries 100 size indicators
someone chose to leave with an annual salary of 500000 yuan
In May 2019, the Ministry of Communications issued the notice on vigorously promoting the development and application of Expressway etc. Since then, there has been an upsurge of etc installation all over the country.
As the main undertaking institution of etc installation, major banks have also set off a heat of etc handling. In order to grab high-quality customers, major banks began a beach landing war.
The task of etc handling and promotion naturally falls on every bank employee. According to the Red Star capital Bureau, etc's business promotion became a hard indicator for the evaluation of employees of major banks at that time, which was directly linked to KPI. Once, in order to attract car owners to handle etc, bank staff directly pulled up banners and sang songs on the roadside of the expressway.
There are even many jokes on the Internet: "if someone looks around your car, don't call the police, it may be the bank staff watching whether you have installed etc."
In those years, the hot etc handling made many banking practitioners miserable. Etc handling is only one of the more than 100 assessment indicators of the bank.
Jiameng joined a commercial bank in Guangzhou in 2016, worked in the bank for five and a half years and issued more than 2 billion loans. Jiameng in the "high light period" once received an income of 500000 a year. But this year, he chose to leave the bank.
Before leaving, Jiameng was the corporate account manager. He told the Red Star capital bureau that each account manager of his bank carries large and small indicators. Among them, the major indicators are loans and deposits; There are more than a hundred small indicators, calculated by points: credit card, etc, valid account, settlement card, bill, cross-border business, etc.
Jiameng's resignation certificate is provided by the interviewee
Under the heavy pressure of employees, it is a helpless move of the bank. In recent years, the profit margin of traditional banks has been greatly squeezed.
Generally speaking, the main source of profits of traditional commercial banks is the difference between deposits and loans. According to the Red Star capital Bureau, before 2014, the bank's loan interest rate was 8% - 9% or higher; The deposit interest rate is low, about 3% - 4%. The deposit loan interest margin is about 6-7 percentage points. However, at present, the loan interest rate of banks, such as the four major state-owned banks, is basically about 3% or 4%; The deposit interest rate (taking the one-year term as an example) is basically about 1.7% - 2%, the deposit loan difference is about 2 ~ 3 percentage points, and the bank profit margin has narrowed significantly.
Under such circumstances, many traditional banks began to do intermediary business. Today, the halls of major banks are filled with a wide range of financial products and financial products. Bank staff, from tellers to customer managers, bear the corresponding business indicators.
the task is getting heavier and heavier, and the salary does not necessarily increase
someone owes tens of thousands of units a year
Can employees complete the assessment indicators specified by the bank? Jiameng said: "the probability is impossible, but if there is a business that breaks the sky, many small indicators can be 'pardoned'."
In 2020, Jiameng's deposit scale increased by hundreds of millions, and his income also reached 500000 yuan.
But he said frankly: "banks are divided into large and small years. When they do well in the first year and have high income, it is difficult to increase in the second year. They are often 'holes' and their income is very low." In addition, the bank will purchase the social security provident fund based on the average salary in the first year. low income with high social security often leads to the situation that someone's salary in the second year is not enough to pay social security and needs to pay back money to supplement the social security accumulation fund.
The task of is getting heavier and heavier, but the salary does not necessarily increase accordingly , which is mentioned by several respondents.
Similarly, an employee of a branch of Zhang Yang's bank disclosed that the performance indicators of the Bank branch have increased by 50% every year, but when the economy is down, the market demand is not so large, and few people can complete some indicators, "in 2020, according to the indicators and performance distribution of the bank, the employees still owe tens of thousands of units per person."
"Low cost performance" and "low income" have become the last straw to crush many bank marketing employees. Where did young people like Zhang Yang and Jiameng go after they left the bank? According to the Red Star capital Bureau, some went to take an examination of civil servants, and some embarked on the road of independent entrepreneurship after leaving.
smart counters crowd out traditional tellers
2459 bank outlets closed this year
The reduction of bank employees is not an accidental phenomenon of individual banks.
combing the annual report data of major banks, in the first half of this year, the personnel of the four banks decreased by 22325. Among them, Industrial And Commercial Bank Of China Limited(601398) (601398. SH) decreased from 440000 at the end of last year to 430000, Agricultural Bank Of China Limited(601288) (601288. SH) decreased from 459000 to 454081, Bank Of China Limited(601988) (601988. SH) decreased from 309084 to 305594, and China Construction Bank Corporation(601939) (601939. SH) decreased from 349671 to 345755.
Behind the departure of employees is the overall "shrinkage" of bank outlets.
According to the relevant data of Bank Of China Limited(601988) Industry Association, the number of outlets of Bank Of China Limited(601988) industry has declined for three consecutive years from 2018 to 2020, and nearly 3000 outlets closed last year. According to relevant statistics, since this year, as of December 24, 2021, 2459 outlets of commercial banking institutions have terminated business.
Some analysts believe that behind the closure of bank outlets, the high rate of off counter business is the main reason. The local recurrence of the epidemic this year provides an opportunity for banks to overweight online layout, and the transformation of physical outlets is more urgent.
In the past, when customers came to bank outlets to handle business, they handled it at the counter. The counter is a condensed miniature version of a network and a bank. But now, the reduction of manual counters has become one of the most obvious changes in banks in recent years, replaced by the continuous addition of intelligent teller machines. Today, 80% - 90% of traditional business can be solved on the intelligent teller machine.
Wang Rui, the account manager of a branch in China Construction Bank Corporation(601939) Sichuan, witnessed the digital transformation of the bank hall.
In 2017, when Wang Rui just joined the post, the smart teller machines in many bank outlets have not been popularized on a large scale. Only in the central regional outlets of some cities, they are equipped with a smart teller machine. Now, four years later, the figure of intelligent teller machines has spread all over the halls of major banks in China.
"It turns out that this row is full of manual counters." He pointed to a row of closed manual counters in the hall and said that now only two are fixed.
The popularization of intelligent machines has brought about the improvement of banking business efficiency. But at the same time, it also brought another great change - there is no need for so many counter staff in the bank lobby.
The counter is withdrawn. Where is the teller going?
"Many have been assigned to marketing posts to do marketing work directly connected with customers, such as financial management and credit." Some respondents said that the intelligent acceleration of bank outlets is also forcing banks to reduce staff or divert to marketing posts.
traditional banks increase the layout of science and technology finance
the demand for technical talents has increased sharply
The adjustment of personnel structure is not limited to business posts. The overall employees of banks have undergone structural changes this year.
Today, major banks are stepping up their efforts to layout financial technology, which can be seen in the annual reports of listed banks. In the first half of 2021, Postal Savings Bank Of China Co.Ltd(601658) (601658. SH) invested 5.202 billion yuan in information technology, accounting for 3.3% of the operating revenue. China Merchants Bank Co.Ltd(600036) (600036. SH) invested 5.055 billion yuan in information technology in the first half of the year, with a year-on-year increase of 28.89%, which is 3.26% of its operating revenue. At the same time, almost all listed banks mentioned strengthening science and technology empowerment in their semi annual reports.
Ping An Bank Co.Ltd(000001) (00000 1. SZ) a bank employee in Shenzhen mentioned to the Red Star capital bureau that each department of his bank outlet, from marketing end, background risk control to approval end, is doing corresponding online business, "as far as I know, the bank has a great demand for technicians, and technicians have not been saturated under the continuous recruitment."
"Under such circumstances, we will find that the number of traditional employees in the financial industry is decreasing, but the number of employees in the fields of financial big data, financial technology and financial risk is increasing sharply, and major banks have now established their own financial science and technology companies. In fact, this change is very big." Li Qing, vice president of the school of economics and information engineering of Southwest University of Finance and economics, told Hongxing capital Bureau.
In the training of financial science and technology talents, some colleges and universities are also experimenting with the financial discipline training system, such as the establishment of financial science and technology specialty. "In the past, liberal arts students didn't have to learn programming, but now students majoring in finance have to learn, including finance and economics module, mathematics module and computer module." This also means that in some schools, financial students not only need to learn the contents of classic financial courses, but also need to learn programming, big data analysis and advanced machine learning algorithms in Python.
The wheel of the times rolls forward, and everyone in it seems to be moving with the trend. No one is a spectator. Only by embracing change can we move forward better.
(Red Star capital Bureau)
