Why is working in a bank getting more and more confused?

20 10 I have been working in a bank since I graduated from graduate school. This year is the ninth year. I was confused before. This year, I finally found the direction and successfully got out of the confusion. Next, I will answer this question with my own experience.

After the goal of buying a house and a car within five years after graduation was realized, I began to be confused. I still remember when we graduated from graduate school, a group of students bragged together and said that we would buy a house and a car in five years. At that time, I still felt that this goal was not difficult to achieve. In fact, by the fifth anniversary of graduation, most students in our class had already bought a house and a car. 20 12 bought a 90-square-meter house. In 20 13, my brother-in-law had to change cars, and I spent 60,000 yuan on the car he was going to sell to the 4S shop. In this way, I also achieved the goal of buying a house and a car within five years after graduation. But at that time, the novelty of work had already faded, and the small goals set at graduation were realized ahead of schedule, and I began to fall into confusion.

Working in a bank can easily lead a well-off life. However, if you want to go up again, it will be difficult to improve your position or your income. Objectively speaking, compared with most other industries, the income of the banking industry is relatively high. So if you can work in a bank, you can basically have a good income. It is precisely because of the high salary of the banking industry that a large number of talents are attracted to this industry. In recent years, many banks do not recruit fresh graduates from non-985 or 2 1 1 schools, which leads to fierce competition within banks. If they are not particularly competent or have a certain background, it is generally difficult to get promoted.

In the first bank where I worked, the then chairman and president were all parachuted in from other banks. At that time, the concept of employing people in the industry was that "foreign monks are fond of chanting scriptures." In recent years, I have introduced a large number of talents from outside to be leaders, but I have rarely been promoted internally. Although my education is ok, I have never been promoted because I am a local and have no background. At that time, I always attributed my confusion to my failure to be a good leader

2. Find the way you want to go and get out of confusion successfully. In 20 16, one of my leaders jumped into the bank where I work now. He extended an olive branch to me shortly after he joined his new employer. After weighing the pros and cons, I finally accepted his invitation. Now I am the head of this bank. However, my confusion is increasing instead of decreasing. Until one day in May this year, I asked myself a question: "What kind of life do you want?" At this time, I know why I have been confused.

In my mobile phone memo, I wrote the answer to the question: "I am independent, I can decide the allocation of time and energy, and I can choose where to go and what to do tomorrow." Have a stable and considerable source of income, can meet the requirements of families and their own better quality of life. "After writing it down, I don't feel very specific. I asked myself another question: "What kind of life do you want? "The answer has been revised several times, but it is vaguely written at the beginning.

1, control your own time and destiny, and live a more meaningful and wonderful life. This article didn't exist at first, but it was added later and revised repeatedly. Relative emptiness is the ultimate goal. I think everyone's ultimate goal is relatively empty. )

2. Career and economic foundation. Have your own (or holding) company, do what you like, are good at and are valuable to society, and make considerable profits every year, with an annual income of more than one million. Establish a lean and United team, where everyone works hard, makes active contributions, dares to take responsibility and share benefits.

3. Warm and comfortable family. There are two houses, in a community or very close. A set of four bedrooms, a master bedroom, two daughters each have a room and a study. Another one-bedroom or small two-bedroom apartment is for parents to live in when they are old.

4. Have a luxury car, experience driving pleasure and facilitate daily travel.

Have enough time to spend with your family and enjoy the time together. Travel around the world with your family and explore the world.

6. Support your family to grow up and realize your dreams.

7. There are some close friends who can share their lives and help each other.

Working in a bank, it is difficult for you to decide your own time schedule. The higher the level, the less time. Not only that, the middle-level cadres of the bank need to rotate their posts every few years. As for which position it is their turn, it is basically up to the top, and individuals have no choice. If you have been working in a bank, you will not live the life you want in the end.

3. Say goodbye to confusion and start trying to live the life you want.

Regarding confusion, Baidu Encyclopedia explains it this way: describing life or work doesn't know how to make progress and has no sense of direction; The road ahead is illusory. In retrospect, the main reason why I was confused was that I didn't know what I wanted and what kind of life I wanted before. Besides, I don't know if I have been working in a bank. Although I am still working in a bank, I know what this job can bring me, and I know that this job can't give me what I want. I also bid farewell to the confusion and began to live the life I wanted.

Finally, I hope everyone can listen to their inner voice and find the way they want to go as soon as possible.

It is said that whose youth is not confused. Have you ever been confused? How did you get out of your confusion? Welcome to leave a comment.

Working in a bank is getting more and more confused, not because of the heavy task pressure, nor because the work is not smooth ... mainly because the bank is facing great transformation pressure and is on the threshold of transformation, but no one knows how to turn and where to go!

The bank's settlement machine (pos machine) is being replaced by QR code. Bank financing is impacted by Internet financing. The workload of bank tellers is reduced and they are facing layoffs. Many large companies no longer lend to banks, and corporate bond trusts are very good. Cash loans also robbed the microfinance business. ..... The golden rice bowl of banks is facing challenges from all directions.

Bankers don't know, and no one knows exactly how the financial industry will develop in the future. The banking industry in Taiwan Province Province is mainly engaged in intermediary business, that is, selling insurance and credit cards. European and American banks are mainly investment banks. What about us? ..... I don't know!

There are more and more business contents of banks. In addition to traditional business, new business is constantly introduced and trained every day. There are more and more business types, and there is no business to continue to make money. Bankers are very tired, don't know the direction of development, and are very confused.

Now every bank is clamoring for transformation, embracing the internet, engaging in new technologies, drawing portraits of customers, etc ... We don't know how effective it is. All I know is that there are more and more jobs, many priorities and many tasks everywhere. I don't know where to start.

I think the two basic functions of banks are to serve customers and operate risks. Only by grasping these two main lines can the transformation of banks be successful ..... How to apply new technologies is not the point.

Note … I have worked in the credit department of the bank for 20 years and have been trading stocks for 20 years. Interested in paying attention

Why is working in a bank getting more and more confused? I think it has something to do with the assessment method of this bank.

I don't know about foreign banks, but I know that the annual growth rate of domestic banks' assessment of grassroots units is above 30%. What is the concept of annual growth of 30%?

A normal enterprise, with an annual growth rate of more than 10%, should already be a very bullish enterprise. The requirements of banks are much higher than those of these normal enterprises, so the superiors will put pressure on the grassroots and increase the assessment.

So bank employees are always digging and filling holes. For example, deposits, this year's task is 654.38+0 million. If you complete the task, you will increase the target by 6.5438+0 million next year, which means that you will reach the balance of 2 million in the second year. If your original basic deposit drops during this period, you must make up for it with a new deposit. In this way, the third and fourth years ... in the long run, there will always be bottlenecks. At this time, as long as your savings are lost, all your previous efforts will be in vain. No one will thank you for your previous high base, on the contrary, it will be deducted from your performance and even your salary immediately.

This is the reality of banks. So the new and old employees of the bank are very confused. Old employees are facing layoffs and pay cuts. New employees are as chilling as old employees-everyone will run out of resources. What should I do then?

I am an empty valley cold pool, sharing my views with you.

Yesterday, I just talked to a friend who works in a bank in a second-tier city about the current situation of the bank. Everyone generally felt:

The competitive pressure of banks is increasing, and business is becoming more and more difficult. 10 years ago, there will be no more than two local banks, four state-owned banks+Bank of Communications+local rural commercial banks, and at most there will be three or four local joint-stock banks. Banks are in an unsaturated state, and the needs of ordinary people and enterprises are far higher than the services provided by banks. Marketers of various banks can recruit some business.

Nowadays, customers always ridicule that there are more banks than toilets. In my fourth-tier city, the number of banks is close to four, and two more banks will open next year. The homogenization of banking business is serious, and it is more necessary to compete for loan prices and deposit prices. The size of the cake has not increased, but more and more people are dividing it, and some people are bound to starve.

Nine to five is very luxurious. Banks before 10 may be nine to five, but banks after 10 are basically impossible.

Customers may see that the opening hours of banks are 8:30-4:30, but don't envy them. Many people also need to sort out the information of the day in the background, because they are busy with the relevant information with customers during the day and have no time to sort out and file some vouchers, receipts and other information on the day. They can't start tidying up until after 5 pm, and sometimes they may have to work overtime until 8 or 9 pm. This is very common, so it is said that these are the pains in the hearts of people who work in banks, but they just don't see it!

Other factors Many bank employees will feel that the development of internet finance challenges the traditional banks of banks. When customers deposit money online, the income from online financial management may be higher, and online micro-loans may be more convenient.

In fact, I personally think that bankers need not be so entangled. No matter how internet finance develops, it is also inseparable from the intermediary bridge of traditional banks. National financial institutions will always be the mainstay. With the development of the times, bankers should also put themselves in a correct position, keep learning, keep pace with the times, do not measure themselves by the banking standards of 10 years ago, but use the banking standards of the future to motivate themselves to move forward. I believe that bankers will continue to shine in the banking industry.

I came all the way from a bank teller, a middle manager and an executive. During 19, I worked in a local bank, a policy bank and a joint-stock bank. From a young boy to a greasy middle-aged, I should say that I have a deep understanding of this problem. There are three reasons why you are confused: first, a company that loses its feelings will inevitably be confused. Ten years ago, banks had a great sense of accomplishment. Bankers at that time, watching farmers and self-employed individuals get rich and even start businesses with their own support, stimulated the development of people around them, changed the lives of many people, and had a strong sense of pride. Now banks are performance-oriented and profit-oriented, and even policy banks have begun to participate in market competition, and they are very picky. Banks have become purely profit-seeking businesses, as well as internally. Whoever has performance is forced, internal friction and malicious competition have become the norm, and no one sympathizes. There are no loan officers who have paid silently for more than ten years, only so-called senior account managers and senior account managers, and only naked utilitarianism. Second, banks are divorced from their origins. Disorderly competition, various appearances, too much work. Going around can make the account manager dizzy, make the customer limp and go around, and you will definitely feel dizzy. It can be said that the vast majority of bank employees have not even figured out the principle of loans, and they have been bypassed by various innovative businesses. How can they not be confused? Third, the most primitive competition leads to class solidification. Nowadays, the homogenization of bank products is serious, the business models are copied from each other, and even the target customers converge, so that the market competition is still a very primitive competition for social resources. A large number of officials' wives and officials' second generation are full of high positions in banks, holding high salaries and averaging employees' wages. Ordinary employees spend months tracking customers, and these resource controllers can steal customers with a phone call, firmly monopolize customer resources for a long time and eliminate all competition. Employees without resources can only eat leftovers. Under the performance appraisal mode, you do your best and there is no hope of promotion. How can it not be confused with the wages of starving people?

Graduated from 20 15, recruited into the joint-stock bank on campus, and has been working in the bank for the sixth year now. The main reasons why I am confused about working in a bank are that my work has no technical content, the banking industry has declined and my income is not high or low. It's difficult to get promoted in the bank.

Maybe it's not time to graduate yet. I joined in September 20 15. The year-end bonus in 20 15 is only 5 times, and my salary is less than 20,000. Looking at the year-end financial situation of other ordinary account managers, I thought I could get so many year-end bonuses next year! ! ! Hope is full and reality is skinny. . . . 20 15 may be the last glory of most joint-stock banks, so my year-end bonus has not exceeded 30 thousand so far. . . The average annual income is 6,543,800 yuan. .

I have been a loan account manager for more than four years, and I am struggling to sign a mortgage or run a loan business every day. I repeat it every day. In the second half of 2020, I switched to be a risk manager, approving personal loan business and doing the same repetitive work. It took me more than five years to turn myself into a simple operator. . .

Think about what you would do if you left the bank. No unit will need you to grant him a loan, haha.

Continue to paint yourself an investment bank pie, take the cpa exam, take the insurance exam, enter securities, and enter the investment bank! Keep trying, banker. Confusion is useless, but it is still promising to enrich yourself and improve your level and master the core business of banks!

I'm glad to answer your question. Ten years ago, bank work was a rare iron rice bowl, and many people wanted to get in. This is a very decent job.

However, with the development of Internet and technology, the emergence of mobile payment has completely subverted many businesses of banks. For example, people nowadays can travel around the world with their mobile phones without cash. Transferring money is no longer as troublesome as going to the bank before; Yu 'ebao has also become a tool for the whole people to manage their finances, and there is less and less money in the bank ... and so on.

This will naturally affect the bank's business. In recent years, many small commercial banks began to close down one after another, and even big banks began to leave.

The reason why there are a large number of resignations is that bank employees are anxious because of the increasingly mechanized work. For example, many machines now go to banks to handle business for them. What they do more is to complete the tasks of deposit, insurance and financial management. Not only that, the wage income is the same as before, although it is stable but very low.

Although banks have been talking about transformation and embracing the Internet, there is no way to change the status quo. So, as a bank employee, I began to feel anxious. If I don't change, I will be eliminated by this era, so I can only leave my job.

Sales anxiety.

Of course, there is a reason for the anxiety of trafficking. The root cause is a lack of security. Most of them are ordinary people. In the past decades, working in a bank can be said to be an iron rice bowl. However, with the growth of age, the environment may be comfortable, and learning may stop, leading to the feeling of backwardness in the process of social change, which in turn leads to anxiety. I feel uneasy and insecure all the time, and even doubt whether it will be replaced by intelligent robots and intelligent devices that day.

The personal key is my suggestion: whether it is banks or other industries, learning should continue.

1. First of all, you should master the knowledge of your own industry, and pay attention to the social development trend at any time, pay attention to the technical skills needed for related development, and make up your studies at any time so as not to fall behind.

2, don't be confused, on the other hand, your confusion shows that you have a sense of urgency and crisis, indicating that you are self-motivated. It is suggested to sum up the gains and losses of every day, month and year, make a study plan according to your work, industry and even hobbies, and keep learning and growing at any time.

As the ancients said, "it is never too old to learn"

Because the question is a little short and many backgrounds are not explained, I will try my best to answer your question.

First of all, what do you do in a bank? It depends on which bank you are in. Four lines? Joint stock system? City commercial banks, etc. If it is a branch, it is recommended to have the opportunity to go to the head office for development, and the starting point of the platform is higher! If it is a small bank, it can't be said to be stable, and the treatment is hard to say. This confusion is understandable. There are more social recruitment now, so you can change to a bigger bank. If you really don't want to work in a bank, you can also go to securities, insurance, trust and so on. Banks are the mother of all financial industries. Anyway, there are many places to go. First, internal promotion, it's no big deal!

Don't be too confused, it's not easy for everyone to mix in society, but many people bear it silently, work hard and look for opportunities for change!

I wish you to strengthen your career planning, have a sense of purpose and strive to achieve your goals!

Go away.

19 entered the bank and found that 8: 00 to 6: 00 was a leisurely day. But when I answered your question, I was still working overtime in the company, which happened to be eating.

At present, banks are reforming, and the old system is no longer suitable, but what about the old people? People can't be dismissed easily. Therefore, some old employees still hold some rights and have no time to change their minds.

On the one hand, the company strives to recruit new talents, on the other hand, it caters to the ideas of superior leaders. Newcomers are radical in thinking, and leaders strive for progress steadily. Conflict is inevitable. In the end, most of them suffered, and a lot of meetings, lectures and inspections were annoying. Most newcomers can't stand these empty things.

I am now in this adaptation and struggle, and I don't know whether to continue to bear it or find another way out, but everyone is responsible for their own choices, and no one loves you except themselves.