The salary reduction of Shanghai Pudong Development Bank triggered employee protests. What happened behind it?

What happened behind the "salary reduction" of Shanghai Pudong Development Bank? After the May Day holiday in the financial field, Cui Yu (pseudonym) still punched in the office as usual, but at that time he stopped calling marketing, which was originally his main job. According to him, there are more than 100 employees in the credit card center of Shanghai Pudong Development Bank. Strictly speaking, Cui Yu does not belong to the credit card center of Shanghai Pudong Development Bank, and the company that signed the labor contract with him is called Shanghai Waifu Pu Jie Enterprise Management Co., Ltd. (hereinafter referred to as Waifu Pu Jie). Cui Yu told Zhongxin Jingwei that in June and February of last year, 5438, Pu Jie, a foreign service agent, asked employees to voluntarily terminate the labor contract and sign it with a new outsourcing company. Cui Yu was dissatisfied with the company's compensation plan and refused to sign the contract. Things have been deadlocked until May this year. 10 night, he was called to a room. "Manpower directly gave me a notice to terminate the labor contract, and I was directly fired without my signature. Asked him why, he directly said that I can go to labor arbitration if I have objections. " 1 1, Cui Yu and others 100 More than one person came to the office building where the credit card center of Shanghai Pudong Development Bank is located. As a result, their photos in front of the office building spread among major social groups. Just the day before, a picture of a wealth management employee of Puyin was circulated in social groups. In the picture, the employee personally signed that his salary was reduced to 6260.09 yuan/month. With the fermentation of the above two things, Shanghai Pudong Development Bank responded that night, and the pictures uploaded on the Internet were two independent events. First, the salary of an employee of Netcom Company was reduced because of poor performance appraisal. Through communication, the employee has now expressed his understanding of the above adjustment. Secondly, it is caused by labor disputes between outsourcing companies and employees. At present, the outsourcing company is communicating with employees to solve the problem. 13 On June 38, Zhongxin Jingwei called Pu Jie 2022 Annual Report, but failed to contact the other party. 0 1 labor disputes caused by outsourcing In the 2022 annual report of Shanghai Pudong Development Bank, there was a figure that attracted investors' attention and asked on the interactive platform: "The number of credit card centers in your bank is 1 1975, but the number of credit card centers in other comparable industries is much lower than that of Shanghai Pudong Development Bank, such as Ping An Bank Credit Card Center 1992. The Secretary-General of Shanghai Pudong Development Bank said that the number of credit card centers disclosed by the company includes the number of formal employees and informal employees. According to the comparison of the number of credit card centers disclosed by banks of the same size, the number of informal employees of Shanghai Pudong Development Bank may exceed 10,000. Cui Yu is one of the informal workers. He said that he worked in the credit card center of Shanghai Pudong Development Bank for three years, and his main job was to market credit card installment and loans. Before he was tall, he could get 10 thousand or 20 thousand a month When he learned that he was going to sign the contract to a new outsourcing company, he thought that he should pay 2n (note: n is the working years) compensation, but the company did not agree. On second thought, he and others didn't transfer to a new outsourcing company. Another employee told Zhongxin Jingwei that if the job transfer is equivalent to clearing the length of service. Cui Yu said that his salary is getting lower and lower this year, only four or five thousand yuan a month. According to the recruitment website, Pu Jie is a wholly-owned subsidiary of Shanghai Foreign Service (Group) Co., Ltd., which was established on 20 16. The company is committed to providing post outsourcing and business process outsourcing (BPO) services for Shanghai Pudong Development Bank. The company has the characteristics of uniqueness and exclusiveness, and its overall operation revolves around the outsourcing business of Shanghai Pudong Development Bank to ensure that the risks of Shanghai Pudong Development Bank can be controlled. At present, on the recruitment website, Pu Jie is still recruiting personnel for Shanghai Pudong Development Bank and Puyin Finance. At the same time, it also recruits for other banks. Source: The online complaint platform of a recruitment website shows that as early as 202 1, users complained about a labor dispute with the credit card center of Shanghai Pudong Development Bank, and the signing subject was Pu Jie, a foreign service. At that time, the Credit Card Center of Shanghai Pudong Development Bank replied that "the related matters are labor disputes between users and Pu Jie" and mentioned that "the Credit Card Center of Shanghai Pudong Development Bank and Pu Jie are only business cooperation". According to the interface news report, the credit card center of Shanghai Pudong Development Bank implemented the reform of the push team at the end of 2022, requiring outsourcing personnel to sign contracts. "The initial form of outsourcing was based on people, and how much Pudong Development was transferred to individuals was equivalent to labor dispatch. Now outsourcing companies are purely performance appraisal, and employees have nothing to do with Pudong Development. When the money arrives, the outsourcing company has to be divided into outsourcing companies. " In view of the labor disputes involved in outsourcing companies, Yang Baoquan, a senior partner of Beijing Bank of China Law Firm, said that in practice, the reason why units choose outsourcing is to avoid risks, and some companies use outsourcing companies because of the requirements of personnel indicators and the needs of personnel recruitment. In addition, outsourcing also helps to solve disputes, because from a legal point of view, the disputes of outsourced personnel are indeed handled by the contractor himself. Yang Baoquan believes that from a legal point of view, the labor contract and salary of outsourced personnel should be decided by the outsourcing company and have nothing to do with the employer. However, for some outsourcing companies with greater social responsibility, equal pay for equal work or close to equal pay for equal work is often adopted in practice. The main body of labor relations, equivalent to outsourcing personnel, is not in the contractor, but because their work place and work content often need to be coordinated, some information communication will inevitably occur between the two sides. Therefore, ensuring that there is little difference in treatment is also an important aspect to promote the smooth development of work and the harmony of labor relations. The answers of informal employees of Shanghai Pudong Development Bank also revealed the real employment situation of the bank's credit card center. In fact, credit card centers belong to a special existence in banks, and many credit card center employees are not formal employees of banks. "I entered the business on 1999, and signed an outsourcing company at that time. I can't say that I am a bank when I am marketing. " Zheng Dong, a senior researcher in the credit card industry, said in an interview with Zhongxin Jingwei. Zheng Dong introduced that an agency agreement will be signed between the outsourcing company and the bank. The company is authorized to help credit card centers engage in marketing business in a market-oriented way, but it has nothing to do with banks and only charges agency fees. Faye (pseudonym), a retired employee of the credit card center of a joint-stock bank, told Zhongxin Jingwei that the credit card center of his bank is independent of the banking system. "Someone has been to the sub-bureau, but they don't belong to the sub-bureau. They are just passers-by in the sub-bureau." Faye introduced that the first-line resignation salesman (hereinafter referred to as salesman) of the credit card center where he once worked signed a labor contract with a company, which was not compiled by the bank. Some excellent salesmen will sign contracts with the bank and become full-time employees of the bank after they are promoted to the positions of director and general manager. Regarding the salary level, Faye said that the monthly salary of front-line salesmen consists of basic salary and commission. Take Beijing as an example. The basic salary is generally around 6,000 yuan. When it is low, the monthly salary is 8,000 yuan. When it is high, it can even reach 40,000 yuan and 50,000 yuan. Five insurances and one gold are paid in full. "Usually, in order to inspire everyone, there will be prizes during the festival. The higher the performance, the better the reward. There are also iPad, electric cars, water cups and the like. " In 2009, in response to the Notice on Strengthening the Security Management of Bank Cards, Preventing and Combating Bank Card Crimes issued by various departments, the People's Bank of China formed the opinion that "card issuers shall not outsource the marketing business of credit card issuance". The opinion pointed out that card issuers can only use counter marketing or self-built marketing teams to carry out credit card issuance marketing, and may not entrust the marketing business of credit card issuance to other legal entities. Except for wholly-owned or affiliated subsidiaries and holding companies of card issuers, and cooperative institutions that cooperate with card issuers to issue subscription cards and co-branded cards and market them to their customers. The opinion emphasizes that card issuers that use outsourcing mode to carry out credit card issuance and marketing business should be rectified in place according to the new requirements by June 365438+10/October 365438 +0 at the latest. But the outsourcing project of bank credit card center has not disappeared. The opinion puts forward that only the credit card issuance marketing business is prohibited from outsourcing, and other businesses such as phased marketing and collection are not included. The former employees of the above-mentioned Pudong Credit Card Center also revealed that the credit card centers of some banks are still cooperating with outsourcing companies. According to the inquiry of Zhongxin Jingwei, in February this year, Shaanxi Branch of Bank of China issued a tender notice for the phased credit card outsourcing project. In March, Sichuan Branch of China Construction Bank issued a public bidding announcement for the 2023 credit card special phased auxiliary marketing outsourcing service project, and selected qualified legal companies to jointly carry out credit card special phased auxiliary marketing outsourcing with secondary branches in the province. The Credit Card Center of Shanghai Pudong Development Bank also issued the "Tender Notice for the Supplementary Project of Collection Outsourcing in 2022" in February 2022, and the bidder can provide non-litigation collection service for the credit card account provided by the tenderer at the overdue stage. With the gradual saturation of the credit card market, there are more and more cardholders, and the performance pressure of credit card centers is also greater. Faye said that in recent years, the market is relatively saturated, and the competition pressure of banks is great. Beijing may be relatively better, and people who are willing to work can always find people who have never applied for a card. Another part of the pressure comes from performance pressure. Credit card is a sales job. If personal performance is not good, there will be a sense of pressure in the group. Faye said that her work is getting more and more tired and her health is very poor. Finally, she submitted her resignation application. According to the General Situation of Payment System in the Fourth Quarter of 2022 issued by the Central Bank, by the end of the fourth quarter of 2022, 798 million credit cards and debit cards had been opened nationwide, a decrease of 65,438 cards +0.20% from the previous quarter. Judging from the annual reports of listed banks, the growth rate of credit card issuance/circulation cards in some banks has slowed down. For example, Shanghai Pudong Development Bank, by the end of 2022, the number of credit card circulation cards was 565,438+0,336,5438+0,600, a year-on-year increase of 5.98%; 202 1 year, the year-on-year growth rate of this data was 10.78%, and the growth rate decreased. In July 2022, the People's Bank of China Banking and Insurance Regulatory Commission and China issued the Notice on Further Promoting the Healthy Development of Credit Card Business, which pointed out that long-term sleep credit cards with customers not actively trading for more than 18 months and zero overdraft balance and overpayment in the current period should not exceed 20% of the total card issued by the institution at any time, except those with additional policy functions required by policies and regulations. Banking financial institutions exceeding this ratio may not issue new cards. Many banks' credit card overdraft balances have also declined. For example, Ping An Bank and Bank of Communications decreased by 6.88% and 3.0 1% respectively, reaching 5786.9 1 billion yuan and 477.746 billion yuan respectively. "Now the credit card market itself has entered a relatively saturated state. The credit card market is a competition between cardholders, that is, facing the problem of overlapping customers, which may lead to problems such as multi-head credit granting, leading to increasingly fierce competition. " Dong Wei analyzed. Shortly after leaving her job, Faye learned that her team had been fired for poor performance. Most of them followed the director to the card center of another bank, and some chose to switch careers completely and never do credit card sales again.