as a local bank, rural commercial banks have both advantages and disadvantages. The advantage is that the policy is flexible, and there is a certain degree of flexibility when absorbing, lending and engaging in related financial products, and the operating space is relatively large. At the same time, it benefits from the protection of local governments, and the operating tasks and pressures are slightly less than those of several major state-owned banks. The disadvantage is that the risk prevention and control is not done well, and it is easy to produce bad loans to form bad debts and breed corruption. The most important thing is that the implantation of a large number of related households has complicated interpersonal relationships.
as for wage income, rural commercial banks have high and low incomes. If the business development is good, the income is much higher than that of several state-owned banks. If the business development is general, the income will be relatively low, but the overall level is higher than that of ordinary enterprises and institutions, and the differences between regions are relatively large. Xiaogong has a county-level rural commercial bank here, because the county's economic situation is relatively good, and its business is doing very well. In the past few years, the per capita income was 2,+,and it was generally more than 3, at the middle level. The annual salary of the branch manager was not a problem at all, and many employees of the municipal-level Bank of China were scrambling to jump ship to the bank. In other counties, many rural commercial banks are far less than the previous ones, and most of them have a per capita income of 1,+,which is more than enough. However, in recent years, due to the general depression of local economy, the operating pressure of rural commercial banks is generally more difficult than before, and the average income of employees is also declining, but those with strong business ability still have high income.
Generally speaking, rural commercial banks are still good, so we can consider going. As for whether they are good or not, it depends to a great extent on personal abilities and relationships, so we can't generalize.
I'm a banker, and I've been working for 1 years. Let me answer this question.
In the past, in towns and counties, the most common financial institution was the credit union, and the people especially trusted the credit union. With the development of financial market, the original credit cooperative system can no longer meet the business needs and must be reformed. For this reason, many credit cooperatives have been transformed into rural commercial banks, referred to as rural commercial banks for short. Careful friends may find that rural commercial banks have many shareholders, some reaching 1-2 or even more.
before the restructuring, credit cooperatives basically handled two things: taking deposits and issuing loans. Their business was very simple. After the restructuring, rural commercial banks began to move towards marketization, and their business scope gradually expanded. Some rural commercial banks began to do business such as credit cards and ETC, but compared with state-owned banks and joint-stock banks, their business was relatively simple, so their work pressure was relatively less.
In the past, the policy did not allow cross-regional operations. The general business scope of rural commercial banks was around a city or a county. Later, the policy was relaxed, and some large-scale rural commercial banks began to go to surrounding areas, such as Jiangyin Rural Commercial Bank on our side. Although its headquarters is in Jiangsu, it has also set up some outlets in Anhui to expand its business scope.
Rural commercial banks, as first-class legal institutions, are often treated better than most banks. After all, local banks are protected by the government. In recent years, with the macroeconomic adjustment and economic depression, the strengthening of rural commercial banks' own risk control system is weak, and some rural commercial banks are under great pressure. Non-performing loans have soared, and regulatory indicators are approaching the red line. The operating situation is hardly optimistic.
The treatment of rural commercial banks is still good, much better than that of ordinary enterprises. As for whether they are good or not, it depends on their own ability. After all, there are too many connections in local banks and the personnel relationship is relatively complicated. Anyway, it is good to have the opportunity to work there.
rural credit cooperatives and rural commercial banks have encountered some problems, which have aroused public discussion. I think it should be treated objectively. Rural credit cooperatives and rural commercial banks are the closest commercial banks to us. When people started their businesses, they mostly got financial support from these grounded financial units. With their achievements, big banks took them away, and some rural commercial banks went bankrupt. I am an outsider and don't know anything about financial business. It's really the Agricultural Bank of China that should be criticized. Agricultural Bank of China doesn't have a surname of agriculture!
Generally speaking, the unit of Rural Commercial Bank says that employees' income is ok, and there is no problem to support their families. It is the people in the credit department who really get rich. It is an open secret that a section chief of the credit department can have money with a county magistrate and take kickbacks. It is impossible to get a loan without giving gifts or taking kickbacks. It is just a section chief of the loan department of a township office who pays 1, yuan to the outside world and has a kickback from 2 yuan or a high income from sending money. You have to invite one or two customers.
As long as a relative is in the banking supervision, it is easy to enter a rural commercial bank.
Rural commercial banks have already become the purse of private enterprises. Rural commercial banks handle the loan repayment, but not the equipment expansion. So people's deposits are very dangerous, if the enterprise goes bankrupt. Depositors are unlucky.
Your question is a bit naive, and a bit simple. Is it good to mix, mix the society, and which unit is easy to mix? We have gone through 7 years, and today, all walks of life have become solidified. A small society, without basic contacts, is definitely not easy to mix!
Rural commercial banks, the former rural credit cooperatives, were first established in May 1 to develop the economy and ensure supply, which played a great role in the economic recovery of rural agricultural farmers after the founding of the People's Republic of China! Old farmers believe that people are a generation of hardship and innocence. They have a bag and an abacus to write their innocence and loyalty all their lives! I once saw an old farmer who stayed up all night for five cents on the wrong account and finally found out! Sometimes, when we look over the past five years or six or nine years, those yellow IOUs are one yuan, three yuan and five yuan, and the largest one is twelve yuan, which bears witness to the history, not only shows the economic situation at that time, but also marks the development of rural credit cooperatives!
why do you say this? The Jinan Rural Commercial Bank, which we reported from Bloomberg, also largely reflects the current situation of the top management of the rural commercial bank! Song Wenxuan, the former chairman of Shandong Rural Credit Cooperatives, was transferred from the government. What do you think will happen if such people are allowed to manage trillions of business units because of the government's random behavior? Before 1, the middle and high levels of rural credit cooperatives were generally clean, so they ate and drank on holidays. Later, they developed into directors at the grass-roots level, greedy for the assessment wages of employees. As a result of the concerted efforts of employees here, he put his arm into his pocket, and it was useless for you to find it! The upper authorities indulged in it, and it became a general trend for a while. In a few years, these people had several houses or something! If it is only in the form of material, this kind of atmosphere will flourish, and the environment of rural credit cooperatives will have slave slaves and slave owners, and faith will collapse! I once heard a friend, the head of a grassroots branch, complain that he was scolded by the chairman of the board of directors at the meeting, and he turned his neck and sweated. I said I'd quit. He stopped talking. Why? What can you raise with high income!
after 68 years of development, rural commercial banks have experienced ups and downs. Today, there are about these major groups. First, the employees of the Historical School
are basically local, familiar with people, and some families have worked for three generations. Their strength cannot be underestimated! The main source of deposits is relatives and friends, and the deposit time is long!
Second, the entrusting party
These people are complex, including the People's Bank of China, the China Banking Regulatory Commission and the government. They are generally at the top, like Bloomberg, who used to be from the China Banking Regulatory Commission, and Song came from the government. These people are hard-working and have a wide range of ways to pull public deposits! This includes people from the merged urban credit cooperatives!
Three newcomers
Mainly college students and graduate students, they have knowledge and ability to adapt to new business, but their foundation is still shallow, which is the hope for the future!
How about the rural commercial bank? The business indicators are available online. I have given you an analysis of the history and personnel composition. You are well prepared to work as a teller for five years, unless there are other reasons, it may not be-this is a job that a good man can't do! Repeated meetings of monitoring system training will surely make you doubt your life suddenly!
Do you have the confidence to muddle along for 3 years? Ha ha!
let me answer. I came from a rural commercial bank. Rural commercial banks are based on each county. The benefits vary greatly. In some county credit cooperatives, tellers with good benefits can get 3, yuan a month, and the heads of branches are all paid millions of dollars a year. Some counties have poor efficiency. Branches don't even have money to pay a basic salary of 2, yuan, and employees have to pay money to work at outlets. Therefore, whether rural commercial banks are good or not can't be generalized. You should ask which city or county is good or not. Remember that banks are also enterprises, and the treatment of employees must be related to the operation of enterprises and the ability of employees.
being a leader in this unit is ok, quite good! The annual salary is very high, and there are many beautiful employees. If you are an ordinary employee, you must be mentally prepared. For the future, you must have dedication, and no matter what you offer, you must not hesitate! Or you have good connections and relatives, or you are willing to be mediocre and don't have to be led by scum like birds all your life.
The bank has a good work unit, stable salary and good treatment. Although it is not as good as before, it is still a good career choice.