Why are the wages in the banking industry so low that so many people try their best to get in?

There is a big difference in the treatment of employees in different banks, but the difference is that banks should formulate various assessment indicators for grassroots employees. If they can sell wealth management products, or how much savings they can get, there will be rewards and commissions. If you don't get results, you can only get a basic salary of more than 3000. So now banks are also based on the principle of more work and more pay. The question now is, why has the salary of bank employees shrunk dramatically?

First, the income of high-end financial talents and low-end grassroots employees is different. The high-paying income publicized by the outside world is mainly the income of high-end financial talents, not the income of grassroots employees in banks. For example, the annual income of branch presidents reaches several hundred thousand, mainly because the branch presidents hold a large number of customer resources and are skilled in business. If you are a grass-roots employee, unless your personal performance is excellent, your income is usually not too high.

Second, China has carried out interest rate marketization reform in recent years, which means that the deposit-loan spread of traditional banks has begun to narrow. Originally, the main performance of banks was collected by deposit and loan spreads. Now, the narrowing of spreads is very obvious, and banks have not made major breakthroughs in intermediary business and retail business, so the overall decline of banking business is inevitable. In this case, it is not difficult to understand that the treatment of bank employees is not as good as in the past.

Third, self-service banking, online banking, telephone banking, mobile banking and other businesses are developing rapidly, and many banks are developing in the direction of light assets, so it is reasonable that more physical outlets will be cut off or merged. Since 20 15, hundreds of bank outlets have been forced to close every year. Even if it's not turned off, it's still an ATM. Therefore, in the general downturn of the whole industry, the reduction of income will be inevitable.

Fourth, some banks reduce employees' income to achieve the purpose of layoffs in disguise. Many grass-roots employees have served in the bank for more than ten years, but their business has never been able to get up. If they are dismissed directly, the bank feels a little guilty. They often want to tell you in disguise that we don't need so many people here, either you take the initiative to jump ship or you resign and find another way out. Ordinary bank employees will consider where to go when they see the decline in income and treatment.