Overall, the People's Bank of China is the best. The four major state-owned banks are relatively stable, but their income is not particularly high, while commercial banks have higher income, but are not particularly stable. You have to choose based on your own situation.
The following is an introduction to some banks
1. Head office vs branch:
Generally speaking, in terms of income, benefits, working environment, promotion and development opportunities, etc. The head office has the advantage, but it does not rule out that the benefits of good branches are better than those of the head office. Therefore, it all depends on the specific choice of the individual.
2. Salary package of the People's Bank of China:
New employees will receive a monthly salary of 2,500 or 2,600 (excluding other small benefits). A little money will be paid during the holidays, and the salary will be paid. There is one piece that is kept somewhat secret and mysterious, but the first piece accounts for the absolute majority; the treatment is from the empress: new employees earn over 1,000 a month, no money during the holidays, and the other piece is kept, which is extremely miserable, and only those who get it after becoming a regular employee More than 600, 700. The salary increases a lot every year - more than 30 yuan a month. This may be the point that everyone is most concerned about. I can't be very straightforward here, but I can tell you that the treatment of PBC in the city where it is located is above average. The further you go to underdeveloped areas, the more obvious the pedestrian advantage becomes and the better you feel. The People's Bank of China has very good welfare protection, and the amount of housing provident fund deductions is relatively high (compared to other banks?). I say this only for comparison. When you become a chief clerk, your salary will change to a certain extent. Don't worry too much about your house in Pedestrian Street. Work comfort
There is also a corresponding difference in the relaxed working environment.
Three and four major state-owned banks
The four major state-owned banks are generally relatively stable, and wages will not fluctuate greatly. The training system is also relatively good. However, the Shanghai branch of China Agricultural Engineering Construction basically only recruits local students.
Industrial and Commercial Bank of China
As a bank that can be seen on the streets, the treatment of ICBC employees is inversely proportional to its size. It is basically recognized as the bank with the lowest income among banks. However, because the business is relatively comprehensive, I can learn more and the pressure is not great. Moreover, the salary is low and the turnover of personnel is relatively large, promotion is fast, and development is relatively good. Salary★ Stability★★★★★ Development★★★★★ Comfort★★★★★
Salary and benefits:
In the past, it was almost universally known that ICBC had low wages. The fact is that the monthly salary is about 5,000 (before tax) plus year-end bonus, which is the worst among the four major Chinese banks. Moreover, many ICBC employees have reported that the salary distribution of ICBC employees is extremely unreasonable: there is no specific model; salaries are determined only by position, not based on seniority; the salary gap between senior positions such as presidents and lower-level employees is very large. ICBC really disagrees with the salary and benefits provided to its employees. However, there are recent signs of wage reform, so the future is still very bright. It is said that after the reform, counter workers in Beijing also received an annual salary of nearly 80,000 yuan.
Career development:
Although the salary at ICBC is not high, it is definitely a platform for learning. Those who are interested will learn a lot, and it will also help you switch to foreign banks and businesses. Banks have added powerful leverage. However, ICBC's process control is very strict, so sometimes you have to spend some energy to write requests for instructions to the leader.
Work comfort:
Working hours are related to the department. Some departments are busy during working hours but do not need to work overtime. Some departments are busy and need to work overtime every day, and the overtime pay is not too considerable. It’s not that easy to get because it requires layers of approval, so basically you can think of it as unpaid overtime.
Bank of China
Like ICBC, Bank of China has a relatively complete training system and has certain advantages in foreign currency business. According to the information obtained by the poster, the average salary for alumni who have worked in a branch of the Bank of China for one year is about 5,000 per month. Salary and benefits ★★★ Stable ★★★★★ Development ★★★★ Comfortable ★★★
Salary and benefits :
Guangzhou area: The first-year salary is very low: about 2,500 before tax for undergraduates and less than 2,000 after tax; master’s students earn 300-400 more than undergraduates before becoming regular, but they can become regular after 3 months , it will be much better after becoming a full-time student, but it takes one year for an undergraduate to become a full-time student.
In addition, Bank of China has a better housing policy. If you want to work in Bank of China, you can have a better housing when you start working. Career development:
Bank of China is a bank that attaches great importance to talents in the banking industry and attaches great importance to employee training. Employees can learn a lot of banking knowledge, and there are also opportunities to advance from branches to the head office internally. Work comfort: Normal working hours.
China Construction Bank
It is said that the treatment of different branches of China Construction Bank is quite different. There is a saying called "National treasure one, two, five, branch business department". That is to say, the most profitable areas of China Construction Bank are the International Business Department, Baoshan Sub-branch, First Sub-branch, Second Sub-branch, Fifth Sub-branch and Branch Sales Department. Salary ★★★☆ Stability ★★★★ Development ★★★ Comfort ★★★★ Salary and benefits:
CCB has developed rapidly in the past few years, and the growth in revenue has also brought high income to employees. . Although the salary at CCB is not as good as that of the Big Four, the bonus (to put it bluntly, gray income) is still a considerable amount of income. However, even within the same banking system, income levels vary in different regions of the country. For example, the monthly salary of ordinary employees in a branch in Sichuan Province is around 3,000 yuan, but the annual salary in provincial branches is no less than 100,000 yuan. As for the Shenzhen branch, the monthly salary is 5,600 yuan in the first year, 7,000-8,000 in the second year, and good branches have 10,000 yuan. Generally speaking, the salary varies greatly between different branches. Generally, the annual salary in CCB is about 65,000.
Career development:
CCB will protect your life after retirement and provide subsidies for buying and renting a house, so you don’t need to work hard for a house. CCB will give you enough money after retirement. You are happy and at ease. CCB does not value whether you are from a prestigious school. Your development after joining the company still depends on your personal ability.
Work comfort:
Working at CCB does not require overtime work and gives you a lot of spare time. This is especially attractive to many girls. Moreover, you can use your spare time to study to increase your self-esteem. After working for 5 years, CCB may send you to study. As for the working environment of banks, because many of them need to face customers directly, they are very particular. They can definitely ensure that you can sit comfortably in a cool office with air conditioning, and there are also buses that are easy to deploy.
Agricultural Bank of China
Benefits★★★☆ Stability★★★★ Development★★ Pressure★★ Salary and benefits:
6500/month after becoming a regular employee, housing The supplement is about 1,500, and the salary for the software development department will be higher, but the benefits for front-line workers are poor. You may only get 2,000-3,000 before becoming a regular employee. After becoming a regular employee, you will get basic salary + performance bonus + year-end bonus + various holiday expenses. Of course, the specific number will vary in different cities. Career development:
Agricultural Bank of China’s promotion to one level is equivalent to three levels of corporate promotion, so it is difficult to jump, and the competition is huge and there are many connections. There are many from the Agricultural Federation, Tsinghua University and Peking University.
Working comfort:
Under the same salary, ABC has the lowest work intensity and the least work pressure, so people have always jokingly said that working at ABC is like providing for the elderly. Whether it's good or bad is a matter of opinion. People who like a leisurely life and don't like to be under high pressure may want to consider it.
4. Small and medium-sized joint-stock commercial banks
Due to the fierce competition among joint-stock commercial banks, in order to retain talents, basically the salary will not differ much, especially for core marketing personnel. Due to fierce competition, the pressure on joint-stock banks is greater than that of the four major state-owned banks. Therefore, if they do not do well, they will be replaced. The leadership level is also under pressure from branches and head offices. Branch presidents are often rotated, which has caused some banks to change banks due to bank changes. In the long-term relationship, wages fluctuate greatly. For new employees who have just graduated, it is generally difficult for small and medium-sized joint-stock commercial banks to provide comprehensive training. Moreover, since the employees of small- and medium-sized joint-stock commercial banks generally have relatively high academic qualifications, internal promotion is relatively slow, and the development space is limited. Basically, you can't make a fortune in small and medium-sized joint-stock banks, but you can have enough food and clothing.
China Merchants Bank
As the winner of the Most Controversial Employer Award on the job board of the 2007 Economic Forum, although China Merchants Bank provided 199 jobs to the 2007 graduates of the University of Finance and Economics, China Merchants Bank It provides a good salary (I think it is not low), but there are still many alumni who are gritting their teeth and hating China Merchants Bank. Why? I hope some alumni of China Merchants Bank can speak out.
By the way, China Merchants Bank accepts non-local students. Salary★★★★ Stable★★★ Development★★★ Comfort★
Salary
Compared with other domestic banks, CMB’s salary is very good. In addition to basic salary, There is a monthly bonus of 1000-1500, and there are festival fees for the five annual festivals, Spring Festival, Celebration, May Day, National Day, and New Year's Day, double pay in June and December, as well as quarterly bonuses and year-end bonuses. These add up to just Basically, you will get an annual salary of RMB 50,000 to RMB 70,000 per year after joining China Merchants Bank. Account managers can get an annual salary of 150,000 yuan, and there are many enviable benefits in terms of benefits. For example, in the Chengdu branch, employees of China Merchants Bank receive the highest standard lunch ticket of 10 yuan, and they are provided with a car to and from get off work.
Career development
New employees will have 3 months of training. After half a month of intensive training, management trainees will be assigned to various outlets for rotational training and promotion. In terms of careers, because China Merchants Bank is also a very young company and its scale is constantly expanding, there are still many opportunities for promotion. When promoting, compared with the four major state-owned banks, China Merchants Bank pays more attention to individual performance and performance. In the Big Four, you can only get a chance to be promoted if you have worked for enough years, but at China Merchants Bank, you can be promoted at any time as long as you prove your ability.
Working comfort
In terms of working hours, there are loud complaints that CMB is too tiring. Although CMB’s salary is relatively high among domestic banks, the work pressure of CMB is also far away. It is far more stressful than the four major state-owned banks. They usually work from 8:30 in the morning to 7 or 8 in the evening, and only have 20 minutes to eat at noon (Beijing Branch).
Remuneration at Shanghai Pudong Development Bank★★★★☆ Stability★★★★ Development★★★ Comfort★★★
Pudong Development Bank is known as the eldest son of the Shanghai Municipal Government and has always been The bank, which is recognized as one of the best in employee benefits in Shanghai, has declined in recent years, but a skinny camel is still bigger than a horse after all. The benefits are pretty good, and there are also low-interest loans or mortgages. Some Pudong Development Alumni downstairs have put forward new views on the treatment of Pudong Development Bank, and I welcome this. The channels may be different, and the treatment of Pudong Development Bank is quite different. For now, I will give a 4 and a half star treatment rating.