Which departments of commercial banks have less entertainment?

Investigation results of salary, comfort and development of major banks in China

I. Head Office to branches:

Choosing a branch or a head office has always been a very concerned issue when you choose an offer. In fact, regarding the choice of head office or branch office, first of all, of course, we need specific circumstances but specific analysis. Generally speaking, the head office has advantages in income, welfare, working environment, promotion and development opportunities, etc., but it does not rule out that a good branch office is better than the head office, so it depends on the individual's specific choice.

Two. People's Bank of China

Salary and treatment:

The salary of new employees is 2500,2600 yuan a month (excluding other small benefits), and there is a small amount of money on holidays. There is also a piece of salary, some secret and mysterious, but the first piece accounts for the absolute majority; Treatment from the palace: new employee, one month 1000, no money on holidays, and the other piece is miserable. Only six or seven hundred people got it after becoming a full member. There is a lot of salary increase every year-more than 30 yuan a month, which may be the point that everyone is most concerned about. I can't be blunt here, but I tell you that the People's Bank of China is treated as an upper-middle class in local cities. The more you go to underdeveloped areas, the more obvious the advantages of people walking and the better you feel. The people's bank of China has a good welfare guarantee, and the deduction amount of housing provident fund is relatively high (how much more than it? ), I only say this because of comparison. When you become a chief clerk, your salary will change to some extent. Don't worry too much about the house when you walk.

Work comfort

There is also a gap in the relaxed working environment.

Three or four state-owned banks

The four major state-owned banks are generally relatively stable, and there will be no ups and downs in wages. The training system is also better. The Shanghai branch established by China Agricultural Engineering Construction Co., Ltd. basically only recruits local students.

Industrial and Commercial Bank of China

As a bank that can be seen in every street, the treatment of ICBC employees is inversely proportional to its size. It is recognized as the bank with the lowest income among banks, but because of its comprehensive business, it can learn a lot and has little pressure. Moreover, the flow of low-paid and low-paid personnel is relatively large, the promotion is fast, and the development is better.

Treatment ★

Stable ★★★★★★★★★

Develop ★★★★★★★

Comfortable ★★★★★★★★

Wages and benefits:

It is almost a well-known fact that ICBC used to have low wages. The monthly salary is about 5000 yuan (before tax) plus the year-end bonus, which is the worst among the four major banks. Moreover, many employees of ICBC reflect that the salary distribution of ICBC employees is extremely unreasonable: there is no specific model; Not by seniority, only by position; The salary gap between senior positions such as president and bottom employees is very large. ICBC really disagrees with employees' wages and benefits. However, there are signs of wage reform recently, so the road ahead is still very bright. It is said that after the reform, the counter staff in Beijing also got an annual salary of nearly 80 thousand.

Career development:

Although the salary of ICBC is not high, it is definitely a learning platform, and you will learn a lot from it, which also adds a powerful bargaining chip for you to jump ship to foreign banks and commercial banks. However, ICBC's process control is particularly strict, and sometimes it takes some energy to write instructions to the leaders.

Work comfort:

Working hours are related to departments. Some departments are busy but don't need to work overtime. Some departments need to work overtime every day when they are busy, and the overtime pay is not too considerable and it is not so easy to get. Because it needs layers of approval, you can basically regard it as unpaid overtime.

Bank of China

China Bank, like ICBC, has a relatively complete training system and has certain advantages in doing foreign currency business. According to the information obtained by the landlord, the average monthly salary of alumni who have worked in a branch of China Bank for one year is about 5,000 yuan.

Treatment ★★★★

Stable ★★★★★★★★★

Develop ★★★★★★★

Comfort ★★★★

Wages and benefits:

Guangzhou area: the salary in the first year is very small: about 2,500 before tax for undergraduate students and less than 2,000 after tax; Master students are 300-400 higher than undergraduates before they are full-fledged, but they can be full-fledged after 3 months, which will be much better, while undergraduates will not be full-fledged until 1 year. In addition, BOC has a better housing policy. If you want to work in the Bank of China, you can have a better house when you start working.

Career development:

China Bank attaches great importance to the talents in the banking industry and the training of its employees. Employees can learn a lot about banks and have the opportunity to be promoted from the branch to the head office.

Work comfort:

Normal working hours.

China construction bank

It is said that the treatment of different branches of CCB is still very different, and there is a jingle called "National Treasure 125, Sub-branch Sales Department". That is to say, the international business department, Baoshan branch, the first branch, the second branch, the fifth branch and the branch business department have better benefits.

Treatment ★★★★★☆.

Stable ★★★★★★★★

Develop ★★★★

Comfort ★★★★★★★

Wages and benefits:

CCB has developed rapidly in recent years, and the increase in income has also brought high income to employees. Although the salary of CCB is not comparable to the Big Four, the bonus (to put it bluntly, gray income) is still a considerable income. However, even under the same banking system, the income levels in different regions of China are different. For example, the monthly salary of ordinary employees in a branch in Sichuan Province is about 3,000 yuan, but the annual salary of provincial organs is not less than 6,543,800 yuan. The monthly salary of Shenzhen branch is 5600 yuan in the first year and 7000-8000 yuan in the second year. Good branch 10000. Generally speaking, the treatment of different branches varies greatly. Generally, the annual salary of CCB is about 65,000.

Career development:

CCB will guarantee your life after retirement, as well as subsidies for buying a house and renting a house. You don't need to work hard for the house. After retirement, CCB will give you enough money to make you happy and secure. CCB doesn't value whether you are from a prestigious school or not. Your development after joining the company depends on your personal ability.

Work comfort:

There is no need to work overtime in CCB, and there will be a lot of free time, which is particularly attractive to many girls. Moreover, in your spare time, you can increase your value by studying. If you have worked for five years, CCB may send you out to study. The working environment of the bank, because many of them need to face customers directly, is very particular, which will ensure that you can sit comfortably in a cool air-conditioned office and have buses that are easy to deploy.

Agricultural Bank of China

Treatment ★★★★★☆.

Stable ★★★★★★★★

Develop ★★

Pressure ★★

Wages and benefits:

After 6500/ month, the housing subsidy 1500 or so, the meeting of software development department is higher, but the treatment of front-line workers is poor. Before becoming a full member, you may only get 2000-3000. After becoming a full member, you will get basic salary+performance bonus+year-end bonus+various holiday expenses. Of course, the specific figures will be different in different cities.

Career development:

Upgrading the Agricultural Bank of China to the first level is equivalent to upgrading the enterprise to the third level, so it is difficult to jump, with great competition and many relationships. There are many farmers in Tsinghua Peking University.

Work comfort:

Under the same salary, ABC has the lowest work intensity and the least work pressure, so it has always been dubbed that working in ABC is suspected of providing for the elderly. As for good or bad, people have different opinions. People who like leisurely life and don't like high pressure may wish to consider it.

Four, small and medium-sized joint-stock commercial banks

Due to the fierce competition of joint-stock commercial banks, in order to retain talents, there is basically no difference in treatment, especially for core marketers. Due to fierce competition, joint-stock banks are under greater pressure than the four major state-owned banks, and will be replaced if they fail to do well. The leadership level is also under pressure from branches and the head office, and the heads of branches often rotate their posts, resulting in the salary of some banks fluctuating greatly due to the change of presidents. It is generally difficult for small and medium-sized joint-stock banks to provide relatively perfect training for new employees who have just graduated. Moreover, because the employees of small and medium-sized joint-stock commercial banks have relatively high academic qualifications and slow internal promotion, the development space has certain constraints. In small and medium-sized joint-stock banks, it is basically impossible to make a fortune, but there is no problem with food and clothing.

China Merchants Bank

As the winner of the most controversial employer award in the job search edition of the World Economic Forum in 2007, although China Merchants Bank has solved 199 jobs for the graduates of financial universities in 2007, and although China Merchants Bank has provided many benefits (I think it is not low), there are still many alumni who hate China Merchants Bank. Why? I hope some alumni of China Merchants Bank can have their own opinions. By the way, China Merchants Bank accepts non-local students.

Treatment ★★★★★★★

Stable ★★★★

Develop ★★★★

Comfort ★

Wages and treatment

Compared with other domestic banks, the salary of China Merchants Bank is very good. In addition to the basic salary, there is a monthly bonus of 1, 000- 1, 500, five festivals a year, holiday fees for Spring Festival, National Day, May Day, November Day and New Year's Day, double salary in June, 65438+2 months, and quarterly bonus and year-end bonus. All these add up to a new year. Account managers can get an annual salary of10.5 million yuan, and there are many enviable places in terms of welfare. For example, in Chengdu Branch, the lunch voucher for employees of China Merchants Bank is the highest standard 1 yuan, and there is a car to pick them up from work.

vocational development

New employees will have three months of training time. After half a month's training, management trainees will be assigned to various outlets for rotation training and promotion. Because China Merchants Bank is also a very young company, and its scale is constantly expanding, there are still many opportunities for promotion. Compared with the four major state-owned banks, China Merchants Bank pays more attention to personal performance and performance. In the Big Four, you can only be promoted if you have lived for years, but China Merchants Bank can be promoted at any time as long as it proves its ability.

Work comfort

In terms of working hours, there is a loud complaint that China Merchants Bank is too tired. Although the salary of China Merchants Bank is relatively high among domestic banks, the work pressure of China Merchants Bank is far greater than that of the four major state-owned banks. Generally, I work from 8: 30 am to 7: 00 pm, with only 20 minutes for lunch (Beijing Branch).

Shanghai Pudong Development Bank

Treatment ★★★★★★☆.

Stable ★★★★★★★★

Develop ★★★★

Comfort ★★★★

Pufa, known as the eldest son of the Shanghai municipal government, has always been recognized as a bank with a number of employee benefits in Shanghai. It has declined in recent years, but the lean camel is still bigger than the horse. The welfare is still good, and there are low-interest loans or mortgages. Some alumni downstairs have put forward new views on the treatment of Pudong Development, and I welcome them. Maybe the channels are different, and the treatment of Pufa is very different from top to bottom. Now, I'll give you a four-and-a-half-star treatment score first.

Bank of Communications

Treatment ★★★★

Stable ★★★★

Develop ★★★★

Is it comfortable?

As a national bank with its head office in Shanghai, Bank of Communications has performed generally in all aspects. It's a pity that we didn't have direct contact with the alumni of Bank of Communications. I hope you can add something.

Shanghai bank

Treatment ★★★★★★★

Stable ★★★★

Develop ★★★★

Comfort ★★★★

Uplink is known as the youngest son of Shanghai Municipal Government, and is well known as the issuing bank of retirement wages for retired workers in Shanghai. Shanghai Bank's room stickers are issued in cash. A few years ago, the salary was average, but this year, the salary has been raised greatly (compared with before). Internship period 1.5 years. This year, the alumni of a new branch get about 3K every month, and the alumni who joined another branch last year get 3K monthly salary +2K subsidy plus high temperature fee. After becoming full members, they will get a post in Room 3K every month until they reach 10W. Since the beginning of this year, * * * has issued more than 100 quotations, accounting for about 30% of Caida.

Shanghai Rural Commercial Bank

Treatment ★★★★★★★★☆

Stable ★★★★

Development ★

Comfortable ★★★★★★★★

Since you can give a five-and-a-half-star evaluation, of course, you can see that the bank is well treated. In 2007, the new alumni reported that after the first year of tax, the bank paid six gold objects from time to time. Because of the listing plan, every employee enjoys the employee stock ownership plan, and people who speculate in stocks know that the return of this piece is likely to be money that some people will never earn in their lifetime. As for why the evaluation of development is a star? Because those who enter his house rarely jump out, they are basically waiting to retire. His family offered 144 offer this year, and the one with big finance accounted for 10%.

China Citic Bank

Treatment ★★★★☆.

Stable ★★

Develop ★★

Comfort ★★★★

CITIC's salary in previous years was good, but after the change of president this year, the salary dropped a lot, and many capable people jumped ship, so the whole branch was generally chaotic. At present, the treatment for new alumni this year is about 2300 yuan per month (including high temperature fee), plus 300-500 car stickers, depending on the branch. Students who like to fish in troubled waters may wish to have a try. Banks always need people to work. Maybe in the past two years, the price has gone up and the treatment has gone up. This year, * * * recruits about 60 people, and about 35% of them are rich people. It should be regarded as a bank that values financial college students. Non-local students are also enrolled.

Minsheng Bank

Treatment ★★★★-★★★★★★

Stable ★

Develop ★★★★

Is it comfortable?

Some people say that people's livelihood is a rice jar, but only if your father is a rice warehouse. Of course, this is a joke. People's livelihood belongs to that kind of very important.

A profitable bank. You have resources, so it doesn't matter if you don't go to work. You still get a high salary. If you can't do it well, just

Will not hesitate to kick you out. Unfortunately, there are no alumni who can directly contact people's livelihood, and the specific situation needs further study.

One-step correction.

SDB Shenzhen Development Bank

Treatment ★★★

Stable ★★

Develop ★★

Comfort ★★★★

The following is an email from an alumnus: "During the one-year probation period, I was sent to the accounting department of a branch company to do public and private business, with salary of 1600, no bonus, car stickers in 400 yuan, meal stickers every day 10 yuan, fruits, supermarket cards and beverage coupons were distributed irregularly, and I went on a business trip once in the middle of the year, and the branch company redistributed them one year later. The specific salary is not clear, and the starting salary is.

industrial bank

Treatment?

Stable?

Development?

Is it comfortable?

Alumni are in contact. . . . . .

Everbright Bank

Treatment ★★★★

Stable ★★

Develop ★★

Is it comfortable?

It's a pity that we didn't contact the alumni of China Everbright directly, but an alumnus in building 34 1 provided us with the information of the first month's income of 3,500, which looked good. Other aspects should be similar to other small and medium-sized joint-stock banks, with narrow development space and insufficient stability.

Tell me about the organizational structure and work content of the bank.

Recently, I have seen a lot of topics about banks in the WORK and CL editions. In fact, for graduates who have never entered the banking industry, banks are really strange, because most of our previous knowledge about banks only stayed at the counter.

In recent years, banks have paid more and more attention to the recruitment of college students, and more and more people are recruiting. The reason is that with the opening of foreign capital and the listing of banks, the quality requirements for employees are getting higher and higher, and the executives of various companies are beginning to find that the former old employees really can't adapt to the current needs to a great extent.

As an employee who has not been in the bank for a long time, I hope the following introduction can give some help to Zhejiang University brothers who are applying for a job.

First of all, how many positions are there in the bank?

Generally speaking, this is the first distinction. There are head offices, branches and sub-branches. The positions of the head office and branches are mainly administrative positions, except for individual departments, and they will not do specific business. Now the head office and branches of every bank also recruit some people every year. As for the sub-branches, they should face customers directly and do some concrete work. For example, settlement work and credit work are all done in branches. Usually I will stay in the head office, but I may also stay in the branch office for a while. If I recruit people for the branch, I will recruit people for each branch, or I will be transferred to the branch after working in the branch for several years. After the application, most of them may be distributed to various branches. This is also an opportunity to finally decide your treatment. Because the income of each branch is different, it will be much worse. In the branch, the departments are

Many of them, such as finance department, investment banking department, corporate business department and examination and approval department, have different names, but these are all specific, and by the way, there is information technology department. In the sub-branch, there are mainly three positions, one is settlement, the other is account manager, and the other is ordinary staff. There are many kinds of settlement, front desk, back office and foreign exchange. Account managers are divided into three categories and one category. Everyone knows exactly how to do it. Anyway, it is to give personal loans. Usually someone applies, and then you prepare the materials and submit them for approval, and it's OK. The second type is a very popular personal finance manager, generally called a private account manager. Mainly selling some newly issued funds, as well as gold and foreign exchange products. Anyway, it is the promotion of various financial products. The last category is the most popular account manager. This position is generally a loan. Of course, there are also some account managers who specialize in deposits. If a company needs a loan, it is to start writing a customer rating report, write a loan declaration, prepare materials, report them to the branch for approval, and then lend money. Let's not talk about the general department, just a housekeeper. As a newly assigned college student, generally speaking, there is no hard and fast rule about which post to go to. Generally, it is allocated according to the actual needs of each branch. Therefore, a common configuration mode is to settle accounts at the counter for a period of time, and then start to be a private account manager or a corporate account manager to do more corporate business. Except for a few graduates who may specialize in foreign exchange, they generally don't stay at the counter for too long. For example, I have been doing business for a month by myself.

The second issue is the treatment that everyone cares about.

In fact, except for a few better units, the income of the banking system is indeed very competitive, but for the same position, I feel that if I want to muddle along and then raise my salary, there will be less. Only when you are promoted to the section chief, or go up, will your salary increase a lot. how much is it? The situation of each branch is different, and we can only look at the benefits of the branch. Because the bank's income is divided into several pieces, the basic salary is actually two or three thousand, excluding the housing provident fund. Then all kinds of insurance will be 1000 yuan. However, performance pay is often several times the salary, which is considerable for both personal and corporate purposes. It may be less in the first year because of various concessions. Another possibility is that you may pay according to the average salary of the branch in the first year, so you may not be able to pay according to the performance of the branch. The income of the banking system largely depends on the economic development of the city where it is located. Only a lot of big companies and big customers. The profits of banks will go up. So it's best to choose banks in big cities. Compared with some small cities in my city, the gap is still obvious. Finally, I think there is no problem with the figure of more than 50 thousand in the first year. If you count those provident funds (banks are usually very large, for example, I calculate by 20% of my salary), in addition to these incomes, the banking system often pays holiday fees, 1 1 month, May Day and New Year's Day. On the Mid-Autumn Festival, these will be issued 12000 yuan, and there will be some nominal income, such as the cost of refreshing drinks and clothes. In fact, there are others. For example, many banks will provide dormitories so that you can save 1000 yuan every month. In addition, clothing can be provided. I don't have to buy my own clothes anyway. In addition, the problem of eating can basically be solved at work. Of course, banks and sub-branches may still have a big gap in income and welfare, but compared with other industries, this banking industry is still very competitive. Although HR in general banks may not mention much income when giving lectures or interviews, I heard that it is only 3000 yuan a month. According to HR, it's actually much more than that. What is the income gap between the four major state-owned banks, foreign banks and other joint-stock banks? I can only judge by what I have heard. The Big Four are similar to those of China Merchants Bank and People's Livelihood, but they have more advantages in welfare. The wage income of foreign capital is slightly higher, but it seems that fewer people are recruited and the work is more difficult to do. In addition, from the position, doing business for the public is generally more private money, and personal money is more than the counter. From the position, sub-branches are generally richer than sub-branches, because they are doing specific business, which is of course linked to the benefits of each sub-branch.

The third question is what kind of problems will be more difficult to do in banks?

First of all, everyone must think that pulling deposits. This phenomenon does exist. At the end of each season, or at the end of the year, there will be a certain deposit task, but if you are not a personal financial manager (because they are too likely to meet high-end customers, it is difficult to pull them over), if you are not a teller in the VIP room, there is generally little pressure. For example, we are corporate account managers, and the tasks generally assigned are within one million. This task is actually not difficult to complete. Of course, the first year will be a little harder for new employees, but it will not be mandatory in the industry. At the same time, there will be some old employees to help you, because they are all aborigines and have strong ability to pull deposits. In a few years, this task will not be too difficult for you to complete, because now all banks are pulling at the end of the season. Then I immediately transferred the money out. Then the next time I have a task, I will transfer, and then I will give some rewards every time, just for those customers. Then I will ask for an average daily deposit in your name after one year. This requires that in your contact with customers, you can leave one or two big customers to save money for you, usually around one or two million. It's not hard to work hard. Because there are so many rich people in the bank. There are still some tasks. For example, each person has several credit cards every year, and the guild has some requirements for opening new accounts and paying wages. These are all very difficult. But without tasks, there is no pressure. I am afraid that any unit will have such pressure, so there is no need to be too nervous.

Secondly, I think it is a question of personal career development orientation. In banks, the atmosphere of seniority is still relatively strong, and it usually takes five years or even longer to become a section chief. Many people may feel that they can't afford to wait. But now banks pay more attention to young people and talents who can really create benefits for banks. For example, the last time I met the owner of a branch of Shenzhen Development Bank, he was only 30 years old and graduated from Nanjing University. It can be seen that everyone still has a great chance to be in it, especially in this era.

Finally, many people are worried about being arranged to make a living counter. I think even if they want to arrange you to work as a counter for a lifetime, you may not want to leave long ago. At the same time, most banks still consider personal wishes more. Your real thoughts are usually considered ... and it doesn't rule out that many girls still like working at the counter from the bottom of their hearts. I have seen such an example.

I can't think of anything else to introduce. Moreover, the above is only some information about individual banks that I learned in a relatively short period of time, which may be one-sided. If there are any irregularities, I hope to give some help to those alumni who are interested in entering the industry or want to know more. If there is anything special, I can also send a letter to discuss it.

What kind of talents do banks need?

First of all, banking is a good industry with great historical opportunities.

It's good because this industry has high wages and benefits. The more economically developed the region, the higher the salary and the better the welfare. The higher the management level, the higher the salary and benefits, for example, the head office is higher than the provincial first-level branch, the provincial branch is higher than the municipal first-level second-level branch, and the second-level branch is higher than the grassroots branch; The higher the position, the higher the salary and the greater the grade difference.

The second reason is that the working environment is good, the work is stable, and the pressure is inversely proportional to the level of the organization. The higher the level, the less the work pressure of the management organization. On the contrary, grass-roots business organizations have a large business volume and great work pressure, so they need to pay close attention to it, otherwise they will make up the difference and be punished and fined, but they will be fine if they close their accounts. People say, don't worry about tomorrow!

The third reason is that this industry is in a period of reform and needs high-level talents. Especially after 2007, China's financial industry will be completely open to the outside world, and foreign banks will receive national treatment. Foreign banks will set up their own positions on the beach, which will inevitably require highly educated financial students, which is a big advantage for financial students!

Fourth, this industry is a rare historical opportunity for young students with academic qualifications and real talents! Built a broad stage. Because according to the timetable of China's opening to the outside world, after 2007, China's financial industry will be completely open to the outside world, foreign banks will enjoy the same national treatment as domestic banks, there will be no special restrictions on foreign banks opening branches in China, and competition between foreign banks and domestic banks is inevitable. Therefore, in order to meet this challenge, it is imperative for state-owned banks to speed up the reform and establish a modern corporate governance mechanism. Therefore, in recent years, state-owned banks have carried out drastic institutional reform and personnel streamlining, determined to change the disadvantages of aging personnel, unreasonable age structure, low education level of employees and single skills. 52 men and 47 women at the grass-roots level are considering internal retirement and all go home to rest! Accordingly, a large number of high-level talents need to be introduced to provide greater employment opportunities for those students who study finance. Therefore, it can be predicted that in a few years, students studying finance will definitely become the darling of the job market!

Second, what kind of talents does the banking industry need?

Based on my personal understanding of the banking industry, I think this industry needs talents most. Speaking of talents, we need high-level talents who really understand the knowledge of international finance and modern investment, talents with macroeconomic management and decision-making, high-level talents in product design and development, high-level talents in law and computer program development and design, and high-level talents in investment and financial management. Nowadays, there are really too few talents in the banking industry. Because from the perspective of the entry channels of bank personnel and the current personnel cultural structure, some of the personnel currently working in banks were taken over from their parents in the 1980s, some were recruited from social high school students, others were transferred from other social units when several major state-owned banks split up, and some were recruited college students. Therefore, the proportion of people with high school education is the highest, few with original education and relatively low with high education. Therefore, the banking industry is short of talents. It is necessary to change the current academic structure of personnel.

Third, the post setting of the banking industry and the requirements for personnel ability.

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, knowing the relevant business knowledge of this major in business. Because banks are state-owned enterprises and business units, they pursue the maximization of interests, so personal abilities require financial management, marketing and management capabilities. 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 are sad 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.