National commercial banks adopt a three-level organizational structure: the head office is located all over the country, mostly in Beijing, the Bank of Communications is located in Shanghai, and China Merchants Bank is located in Shenzhen. If you are lucky enough to work in the head office of the bank, congratulations, the treatment and opportunities are great.

Under the head office, the five major state-owned banks will set up a provincial branch in each province to take charge of the business in each province, and then set up a municipal branch in each city. If you can enter provincial branches and municipal branches in key cities, it is also quite good; Small joint-stock commercial banks have no provincial branches, but set up municipal branches directly in key provincial capital cities. Below the branch is the branch, which is the bank outlet we usually see. It is the front line of bank operation and directly serves customers.

-Departments by function-

The head office and provincial branches of the bank shall set up offices, human resources departments, accounting departments, legal departments, information technology departments, international departments, credit departments, electronic banking departments, private business departments, corporate business departments and other administrative departments. These departments are usually called "organs" and "backstage" because their main responsibility is to manage and plan various businesses, rather than directly facing customers. It is relatively easier to work in these departments than in branches. Sub-branches, as business outlets, no longer subdivide departments, and are mainly composed of vice presidents, account managers and tellers.

At present, banks generally recruit in the name of provincial branches and conduct centralized training after employment. Then most of them will be assigned to various branches, and a few will stay in provincial branches (usually graduate students). After being assigned to a branch, you usually have to be a teller first, and then a lobby manager or an account manager.

Almost all the newcomers of China Merchants Bank and Bank of Communications started from tellers, but for small banks like Minsheng and Pudong Development Bank, newcomers don't need to start from tellers first.

There are good and bad in this. The good thing is that I don't want to be a teller and an accountant who can directly contact the business lines. The bad thing is that there is no buffer time for doing business directly, so they can't fully and comprehensively understand the various businesses and operations of the bank, which is a bit like the feeling of becoming a bank halfway. Just like I often come across jobs that are in contact with accounting lines now, they think it is common sense, but I don't understand it at all. I have talked with some old customer managers, and their views are almost the same: if you want to be a bank for a long time, you must start from the four major banks and start from the counter step by step to gradually cultivate your own customer base.

Working in a bank and having customers means the right to speak and high income. Moreover, the treatment of newcomers in the four major banks is also very good. You can't just look at their wages and subsidies. The four major banks also sell insurance, bonds and gold in large quantities. And these incomes are not cheap. Of course, for graduates with no background or connections at home, it is still recommended to graduate into the four major banks. If you have a strong background and connections at home, it is a good choice to join the sales department of a small bank directly. An account manager of our bank jumped ship from China Petrochemical because Sinopec's income was too low. After she came in, she pulled the project of Poly Real Estate, and her commission for the three-month project reached several hundred thousand! It turns out that she has a relationship with Poly Guangzhou executives. Don't get me wrong, it's completely normal and compliant ~ ~ ~

Steve Jobs

Because I have been working in the branch network, I am not very clear about the position of the branch, so here I will focus on the position of the branch.

-Cashier-

Teller is a staff member who sits in the bank window to handle business for customers, and belongs to the accounting position of the bank. The job of this position is relatively simple, mainly dealing with specific banking business such as consumer customers, deposit and withdrawal, signing agreements, etc. Most people who enter the bank must first be familiar with and master the banking business from this position. Teller positions require friendly and polite service attitude, prudence and compliance, and risk awareness. Tellers often mistakenly deposit customers' money or receive counterfeit money because of carelessness, which requires tellers to pay for compensation themselves.

Tellers work hard. Since 9 am, they have to sit and do business all the time. When there are many customers, they can hardly even take care of drinking water and going to the toilet. After closing at 5: 30 in the afternoon, they have to tie up accounts, bundle money, sort out documents, and then wait for the cash truck to collect money before they get off work, about 6: 30. Tellers usually rest for two days, and some banks rest for two days in four days. The income of tellers is linked to business volume and sales performance, so while maintaining a cordial attitude and handling business quickly, we should also seize the opportunity to promote new banking business and wealth management products to customers. If we don't sell them, the cashier's salary and bonus will be reduced

Most tellers arrive at the bank at 8: 20, because there are still things we have learned in the practice of commercial banks, such as meetings, collecting trunks, vouchers and so on. It's good to be able to leave around 6: 30 in the afternoon, and it's normal for the tellers there not to leave at 7: 00. Moreover, the teller's work is single and repetitive, and it is extremely meticulous. It's not enough to make a little mistake. On one occasion, a customer was called back by the bank to correct it the next day because he wrote the wrong date.

lobby manager

The lobby manager is mainly responsible for managing the lobby facilities, guiding the diversion of customers, guiding customers to fill out documents, finding valuable customers, introducing new products to customers and handling emergencies. The lobby manager is a waiter. Familiar with counter business, strong communication and marketing skills. He should constantly greet customers and ask about the business they want to handle. He is very tired when he goes to work most of the day. Most lobby managers are beautiful, but the overall quality of China Merchants Bank is higher. You can go to China Merchants Bank to see beautiful women ~ ~ Hehe.

-Account Manager-

Account managers belong to the marketing positions of banks and are divided into individual account managers (wealth management account managers), corporate account managers and personal loan account managers.

(1) Private account managers mainly serve private customers, that is, individuals. Some banks are called wealth management account managers. Their duties are mainly to maintain old customers, develop new customers, collect deposits and sell banking products. Private account managers need deposits, treasury bonds, funds, stocks, insurance, gold, foreign exchange and futures (these products are almost monopolized by the six major banks, so what is the income among them? Personal account managers don't necessarily need you to have good social resources, because they face a large number of personal customers, and they don't need entertainment such as drinking at work. They mainly rely on warm, thoughtful and professional services to win the trust of customers, and then sell banking products to achieve performance growth.

(2) Corporate account managers mainly serve corporate customers, that is, governments, institutions, enterprises and companies. His job responsibilities are mainly to attract corporate deposits, issue corporate loans, require strong social skills, understand the world, often socialize and drink. It would be easier if there were government officials, state-owned enterprise executives and company bosses at home.

(3) The personal loan account manager is mainly responsible for marketing and handling personal loans with strong risk awareness such as personal housing loans and auto loans, and the work content is much simpler than the above two account managers. Account managers are divided into assistants, managers and senior managers, and their income is relatively flexible.

working pressure

I guess everyone has heard that the work in the bank is very hard. Let me talk about the pressure and hard work of the bank.

-Working long hours-

Usually the banks we see open at 9 am and close at 5: 30 pm. In fact, this is not the case. Bank staff will sign in at the company fingerprint at 8: 30 every morning, and then have a meeting or get ready for work. After opening the door, they will go to work for an hour, eat at noon, and continue to deal with business or hold meetings and trainings after closing in the afternoon. They won't leave until at least 6: 30. Banks don't talk about labor laws at all. They work more than 10 hours a day, and there is no overtime pay for overtime work.

There are many tasks

Every position in a bank will have different tasks. The most important thing is the branch president and account manager, and it is not easy to tell a teller. If you have paid attention to the statements of banks, you will find that the performance of banks in China has increased by at least 40% every year. What makes such a big increase? It is to put pressure on employees by doing the next task layer by layer. The head office assigns tasks to provincial branches. In order to ensure the completion of tasks, provincial branches generally give more to sub-branches 10%, and sub-branches give more to account managers and tellers 10%. The performance of banks requires growth every year, and the tasks of employees are more and more complicated year by year.

For example, a teller asks you to deposit 6,543.8+0,000 yuan a year, handle 30 credit cards, sell 200,000 funds, sell 6,543.8+0,000 insurance, open 200 online banking accounts, and so on. The account manager is even worse, with a deposit of100,000 (this figure is too low, and the deposit pressure of new people with personal loans for people's livelihood for half a year is 25 million, and that of new people with corporate loans is 50 million, not to mention full-time account managers). Credit card 150, capital of 2 million, insurance of 600,000, and 200 middle and high-end customers. It's ok in the four major state-owned banks, with a huge number of customers. If you don't have the ability to expand new customers, you can tap the potential of existing customers, but it's terrible in small banks, with a small customer base and going out to find customers every day. Maybe you can ask relatives and friends for help in the first year and find a new one in the second year. Where can you find them? Moreover, leaders should regularly announce the completion of each task, and talk to you if they don't do well, or they will pay less bonuses or be demoted. Corporate account managers have to sacrifice their health. In order to save money, they have to take the initiative to greet the financial personnel of large enterprises. Eating and drinking are indispensable, and you can have an intravenous drip at any time in the hospital.

-The pace of work is fast-

The bank's performance appraisal is a quiz once a month, a mid-term exam once a quarter, a big exam once every six months, and a final assessment at the end of the year to urge you to keep moving forward and grow, and there is no time to breathe. What banks are most afraid of is the end of the month, the end of the season, the end of half a year and the end of the year. Everyone is like an ant on hot bricks. The competition among banks is fierce, and the homogeneity of products is serious. Customer maintenance will also make you rack your brains. How to strengthen contact with customers? How to increase customers' assets in your bank? How to prevent your customers from being taken away by others? You have to think about these problems every day, and it's hard to get rid of them after work. The working hours of the account manager are not limited to this period. The account manager of personal loan sometimes receives a phone call from the customer at 7: 00 in the morning, and may also receive a phone call from the customer 12 at night. As usual, there will be phone calls on weekends. Of course, personal loans are relatively free, without too much control, and the time schedule is relatively flexible.

There is a jingle that goes like this:

Financial warriors are brave and fearless, and suits and ties look noble.

Suffering for living, sleeping for saving,

Customers are in place as soon as they call, and they don't leave their posts all the year round.

All labor laws and regulations are invalid, so it is difficult for family members to meet on holidays.

Development customers often get drunk, so they have to hurt their stomachs without hurting their feelings.

If the salary is not high, you still pretend to have money, and the five poisons are just scrapped.

If you are not careful, you will commit a crime and dare not expect social status.

It's all stupid narcissism . . . . .

There are many tragedies hidden under the shiny appearance of banks, because China's banking industry has not yet developed to the level of high knowledge and professionalism abroad. But then again, how many jobs are less stressful now? The students we graduated together come from all walks of life. Get together, everyone will have their own complaints. Like a besieged city. People inside think it's good outside. People outside think it's good inside!

vocational development

The career development of banks can be divided into three paths: accounting line, marketing line and management line. The growth path of ordinary bank employees;

-Cashier-

Tellers generally have two ways out:

(1) Intensive cultivation in the front line of accounting, making it a business benchmark, promoted to the head of the cabinet, and then competing for the appointment of the accounting supervisor of the branch (although our accounting supervisor has an annual salary of 200,000, he has long lost his youth and can only vaguely see the amazing beauty of the past. ), and then compete for the vice president of the branch, which usually takes 5 to 8 years to arrive. Further up, you can climb to the accounting department of the provincial branch to be a small leader, then compete for the general manager of the accounting department, and then March into the head office.

(2) Turn to account manager and take the marketing route. Generally speaking, cabinets should have a strong sense of marketing, and job-hopping should generally take part in written tests and interviews.

-Account Manager-

Account managers usually have three ways:

(1) It takes more than five years to be an account manager: account manager assistant → senior account manager assistant → private bank consultant. With the continuous improvement of the level, the wage income is also rising, and the managed customers are also constantly high-end. They mainly rely on professional knowledge to promote performance growth to increase their income, but they have been working in sub-branches and are managed by branch presidents (however, as long as they meet good presidents,

(2) Competing for the president of the branch. Generally, the president of a branch changes every three years. Every year, there are always presidents who are licensed because of poor performance. Therefore, if you like being a leader, you can generally participate in the annual competition for the president of a branch after three years of work experience. Being a branch manager is very stressful, with more than 50 indicators every year. If you don't do well, you will be sent off with a red card and dismissed directly. However, the treatment of branch presidents is also very good. My branch is located in a remote place, but his monthly car payment is as high as 5000 yuan.

(3) Development to relevant departments of provincial branches. For example, individual account managers go to the private finance department, corporate account managers go to the corporate business department, and retail account managers go to the credit department, and then become the leaders of these departments.

In the bank, whether you can be promoted or not depends largely on your performance, so only if you are outstanding can you win in the competition. Of course, every time you upgrade, the tasks you carry will increase by one level.

Training examination

I thought I wouldn't have to take exams after I graduated from college. Later, I learned that the real exam has just begun. As a risky business, banks have many standards to abide by, so the training and qualification requirements for employees are still very high.

training

There is a lot of training in banks, generally the training of business knowledge, but not much training of expanding ability. New employees who have just joined the company generally need to concentrate on training for about one month, and then assign jobs. When you arrive at your post, you will usually be assigned a master to teach you alone, so that you can get on the job quickly.

(1) The training attended by tellers generally includes service etiquette, business operation specifications, introduction of new business, etc. Because tellers go to work during the day, training is often arranged at night, which takes up your rest time for free, so tellers are disgusted with training.

(2) The training content that account managers attend is much richer, usually once or twice a week, mainly for training new business. Banks' wealth management products emerge one after another. Every new product comes out, we have to call for training, sometimes on-site explanation, sometimes video conference, covering loans, funds, insurance, foreign exchange, trust, credit cards and other aspects. Sometimes, some well-known consulting management companies will be invited to do training to improve marketing skills, or an investment report meeting will be held in the hotel, all of which will be attended by account managers. Sometimes there will be training on tea art, collectibles, luxury goods and other topics. These trainings will also take up a lot of weekend breaks.

-Exam-

First, list the exams you need to take:

(1) The entrance examination includes written examination and skills, such as counting money, calculator and computer input (in other words, these skills are really abnormal, and they are directly practiced to be soft! ! ! But watching those experts count money is really a pleasure ~) and so on. Skills should be tested once every quarter to prevent you from being unfamiliar.

(2) Transfer examination. If you want to change jobs, you must take a written test and an interview.

(3) The qualification examination for banking, including three courses: public foundation, personal finance and risk management, must be taken after entering the post.

(4) The fund sales qualification examination that the account manager must take can be used to sell funds to qualified customers.

(5) The insurance sales qualification examination that the account manager should take.

(6) Securities qualification examination is needed by account managers, because customers often ask you questions about stocks.

(7) AFP-China Financial Planner, this is valuable, and it is compulsory to be a financial account manager. You must also participate in national centralized training or online training before the exam. The training fee and examination fee add up to about 10 thousand, and it is not difficult to take the exam twice.

(8) CFP-an internationally registered financial planner, it is necessary and necessary to be a senior account manager. It costs 20 thousand to take five exams, which is more difficult. (Speaking of these two guys, the information I found online also said that these two certificates are awesome, but one of my managers told me that there are many ... He applied for the exam while working in a bank, signed up and paid more than 20,000 yuan. For the record, his channels are completely normal and formal, but I don't know why this exam has become like this. Maybe my manager has exaggerated elements. Let's watch half of it. )

Other exams, such as financial English, accountant, economist and securities analyst, are helpful to the work of banks and can give you extra points.

Other quality assurance

-Is the bank working well? ——

Personally, I think it's good. These two years have been very busy and fulfilling in the bank, because I studied economics, which is also useful. After work, I have made progress and growth in all aspects. I usually make a small profit by investing in funds and stocks. Although my salary is not high, I don't have a house or a car now, but my life is still colorful. Just because I didn't have much rest time, I didn't have the opportunity to travel, and I didn't go back to school after graduation. A little. But the cost performance of bank work is really not high. You have to pay a lot and bear a lot of pressure, not as good as civil servants, tobacco, electricity, communications, foreign companies and so on. The bank itself lists employees in these industries as its key customers. So working in a bank requires you to be enthusiastic, hard-working and able to work overtime (this is really true, I know, I often work overtime, and weekends are no exception). In fact, most jobs are like this now.

-How to get into the bank? ——

Most banks want to recruit finance-related majors. Of course, other majors will also recruit a small number. I have a colleague who studies chemistry. At present, employees in banks are highly mobile, and people often resign, so many people are recruited every year. Students who want to enter the bank, if they are not seniors, must pass CET-4, preferably CET-6, and usually participate in student union and campus activities. Those who are ready to enter the bank now must look at some basic knowledge of economics and accounting, as well as the examination for civil servants. They need to be pragmatic, enthusiastic and diligent, and have strong communication skills and marketing awareness during the interview.

—— the prospects of banks—

Before entering the bank, we probably only knew about bank deposits and loans. After entering the bank, you will find that there are actually many businesses operated by the bank, and you will also find that there are many rich people. After several years of indoctrination, these people now have a certain sense of financial management. Nowadays, banks are gradually shifting their business focus to personal finance and high-end wealth management. Although the wealth management managers in China's banking industry are not as professional as those in foreign countries, their income is not high, and they are not really wealth planning, at least the whole industry is consciously developing in this direction. China's future private finance is certainly promising. The key is whether we can wait until that day. But someone has to pawn the passers-by. If it happens to choose you, and you choose it by a strange coincidence, then you should be the most professional paver!