What is the treatment of Kunming Fudian Bank?

At present, the banking institutions are: head office, provincial banks, city banks, sub-branches and outlets (savings offices). The organization is pyramid-shaped, with branches and outlets all over the streets of the city, which is also the place with the largest number of people. The post setting of the superior organization is: senior management personnel, the decision-making level such as president and vice president as the people say. The following departments: human resources, company, institutional business, personal finance business, asset business, credit approval business, legal affairs, operation business, planned finance, etc. The requirements for majors and abilities are: economic majors and business knowledge related to this major. Because banks are state-owned enterprises and institutions, and pursue the maximization of benefits, they are required to have financial management ability, marketing ability and management ability. Focus on marketing and communication skills. Branches and institutions below are basically business personnel, and a few are managers. Operators are basically needed, and the ability requirement is to have a vocational high school education and be fully competent. Because the computer program is fixed and stupid, the window staff only need to press the enter key, enter the number and type the name, so most bank employees simply can't understand the company account book! If you need ability, you need the ability to communicate with customers. If you know marketing, it's ok to pull deposits, but it's only limited to economically underdeveloped areas. If it is a bank window in an economically developed area, there is no need to pull deposits at all. If you keep a straight face and customers line up to deposit and withdraw money, there is no need for marketing. Of course, you will leave the window and get a promotion.

If you are a senior talent, it is basically a waste to work in a city bank or branch, because there is no such environment and opportunity. Because of this, the managers of secondary branches and sub-branches are not trained, so they study finance and enter banks, and then they enter provincial banks and above. If you enter a branch, most of them will be placed in the front window. After 3-5 years, you will be no different from vocational high school students! On the contrary, if you are inferior to vocational high school students in interpersonal communication, your life will be ruined! Therefore, grass-roots banks don't need talents most, because in fact, most positions in this industry need ordinary window personnel! Because of this, highly educated talents will have more room for promotion if they can manage and market. The above is the situation of state-owned commercial banks. Of course, if you can join China Banking Regulatory Commission, People's Bank of China, China Development Bank and other policy banks and regulatory agencies, the situation will be different, because there is no business window! The salary is much higher than that of state-owned commercial banks!

Grassroots positions:

Sub-branch account managers are under great pressure, but the incentive is relatively high, and they can get more than 200 thousand a year at the highest. Counter staff, including accountants and savings offices, is another matter. Accounting posts are still relatively stable at present, because relevant knowledge and education are needed. In addition, the accounting system of general banks is relatively perfect.

Saving is relatively simple, but it is hard and tiring. The bank's system is that if you can't get your money back, you must pay for it yourself. It is common for many newcomers who do savings work to lose 1 and $2,000 when they first start working. No wonder people always make mistakes when they receive 1 or 200 customers every day and handle so much money, and the air in the hall is dirty and the noise is noisy. The income from savings is lower than that from accounting. This is one of the most informal employees in the bank.

Other positions in the branch:

The president's annual income is about 340,000 yuan, excluding work expenses, such as eating, making phone calls, gasoline reimbursement and so on. But this is a good situation. If the benefit is poor and the task is not completed, then he can only get more than 654.38+ 10,000. On the whole, this is a good job.

Credit supervisors, accounting supervisors and the most important cadres of sub-branches are not only led by the president, but also managed by their direct departments. We all know that middle-level cadres are the most tired. In addition to completing your own tasks, you should also be responsible for the affairs of your subordinates. They can't escape the mistakes of those people. So I live with fear. The annual income is about 65438+ ten thousand.

Lobby manager, temporary worker, intern. Generally speaking, it is not a formal establishment of banks, but it is said that in recent years, it has gradually become a long-term contract worker. These people have the lowest income, ranging from/kloc-0 to 2000 a month, including drivers and clerks.

At the basic level of the bank, the most important task is to complete all the index tasks. Whether you are tired or not depends on what you think. The most difficult thing is the loan officer, who runs outside every day and has no guarantee. However, it is better than the insurance company's business. Many companies have posted "no insurance" at the door, at least not to the point where bank account managers are not allowed to enter.

Job description of headquarters: There are many departments in the bank headquarters, but at present, domestic departments are not divided according to product lines, which leads to confusion in classification. But in general, there are several key departments:

Accounting department, the accounting department of the head office is very important, responsible for the accounting and fund settlement of the whole bank, as well as some business development.

The Planning and Finance Department is equivalent to the General Staff Department, which puts forward the indicators of various banking businesses, is responsible for accounting the cost or profit rate of assets and liabilities, and also manages capital positions and reserves.

In the information technology department, many people don't know what the IT department of the bank does, thinking it is to install computers. In fact, apart from the computer staff at the grass-roots level to help maintain office computers, the IT staff at the headquarters are no different from those in general software companies, and even have a hard time. All kinds of systems, program development, project development and functional modules of banks need IT support. For example, customers deposit and transfer money in the bank, and then return information through the branch client to the branch AS400 host, and then to the head office host, providing term selection, managing review keys, and encrypting transmission information. , all belong to the IT category. At present, large IT companies such as IBM are specialized in financial IT consulting and development, which is actually the job. Moreover, at present, it is a trend for all banking businesses to be electronic, and this work is becoming more and more important.

The trading department is responsible for capital trading, RMB lending, underwriting and repurchase of government bonds, foreign exchange trading, foreign exchange bond trading, derivative product trading and new product development and design. This is the central processing unit of the bank. Only by knowing the prices of interest rates and exchange rates in the market at present can the prices be set correctly. This is where all products are priced.

Investment bank or asset management department, responsible for fund custody, customer bond issuance, etc. It is not clear at present, but there will be a bright future after mixed operation.

Risk control department, responsible for risk management. For example, large loan approval, business quota, etc.

Corporate department and retail department: these two departments are divided according to customer types, mainly responsible for marketing, and internationally regarded as sales department.

Trade department, responsible for trade exchange.

Offshore departments, offshore customers.

Legal or compliance department, responsible for contract writing and compliance review.

Audit internal control department, internal audit audit

Support departments: Supervision and Safety Department, Administration Department, Human Resources Department, etc.

With so many departments, everyone has their own duties and a clear division of labor. Of course, the life of the head office is different from that of the grassroots. In fact, for young people, the headquarters has a high starting point, a large stage and relatively stable income. Headquarters has a philosophy of survival. First of all, we should make fewer mistakes. The more we do, the greater the chance of making mistakes. Secondly, it depends on the leadership and environment. Of course, it is better to have enlightened leadership and a healthy environment. Naturally, you can show your talents, even if you don't get promoted, you have learned your skills.