There are some unspoken rules in the banking industry. First of all, working hours are very uncertain.

Everyone knows that banks have very busy working hours. Basically, there is no way for bank employees to ensure normal rest during weekends and holidays. I go to work at 8 a.m. every morning to prepare for opening the business at 9 a.m., and after normal business processing ends at 4:30 p.m. every day, I still need to check accounts, and I still need to work overtime at night. Sometimes branches or outlets need to hold meetings in the evening due to sub-standard performance, so the working hours of banking employees are not the well-known nine to six.

Many types of business

Banks actually have many types of business, and bank employees are also under great pressure. We have always believed that bank employees are mainly bank tellers who deposit money, withdraw cash, and handle capital-related businesses. However, in the banking industry, they also sell financial management, funds, insurance, loans, lending, securities services, certificates of deposit, and credit cards. Handling, online banking, corporate accounts, etc. Deposit certificates are only one aspect of assessing a bank's performance. Banks are under assessment pressure for all the above-mentioned businesses. These business categories will also be delegated to all employees in the bank, whether they are working at the counter or in financial management positions. Even if you are a counter employee, you have to complete your own business. We may also provide you with financial insurance, loan services, credit card processing and other services. Maybe the business of your current position is completed, but your bonus will be deducted because other business is not completed. However, most businesses have commissions for bank employees, so since the bank's overall income is pretty good and the regular employees are relatively stable, many people are willing to stay in the bank despite the heavy business pressure.

General loan business generally cannot be processed

General loan business It is difficult for ordinary people to apply for real estate mortgage loans or other loans at banks. Because many ordinary loan businesses have formed a lot of bad debts in recent years, they will shirk you with various incomplete conditions. At present, many bank loan departments have some intermediaries other than banks or third-party mortgage agencies. Banks will recommend ordinary mortgage loans to them. These institutions have paid part of the deposit within the bank. In order to avoid bad loans in the future, the bank will package this business to third-party intermediaries. After these third-party intermediaries promise to handle the loan business, they charge a few points more of the total loan amount to handle the loan business at the bank. If there are some loan defaults in the future. First of all, the third-party institutions will collect the loans on their behalf. If the third-party institutions are unable to recover the overdue funds, the bank will also deduct the deposits of the third-party institutions in the bank reserves to reduce the bad debts of the loans. This reduces the preparation work of approval materials and reduces bad debts.

Protect large customers

Basically, many banks protect large customers or institutional customers very well, and credit is granted every year for the loan business of large customers. Moreover, we will provide a lot of high-quality services to large customers or institutional customers, and sometimes even privately sacrifice the interests of some small customers. When large customers go to the bank to handle business, they usually go through the VIP channel, and there are even business managers waiting for service in advance, while small customers have to queue up and call the number and go to the counter to handle business. The personal privacy of small customers is leaked, and sometimes it is impossible to protect them well, and sometimes small customers are sacrificed for the sake of profit.