How's bank work?

Question 1: How about working in a bank? Banks also have many types of jobs.

1.Teller is the man sitting in the glass window. Contact with private customers is the least free person in the bank, but the work pressure is the least. Generally speaking, it is 2 weekends, 1, and there is no fixed weekend.

2. Accounting tellers, who are also tellers, also sit in the glass window, but such tellers are exposed to corporate finance, lunch breaks and administrative classes.

3. Account managers, including account managers of personal loans, financial managers and account managers of enterprises. Among them, being an enterprise account manager is the most free, but there are many things and great pressure. Financial managers have greater pressure on deposits. Personal loan account managers have to contact all kinds of customers.

4. Deputy Director, Director and President. Let's not talk about this. If you consider becoming one of these people, I believe you are more familiar with banking than I am.

Question 2: Is it good to work in a bank? At present, many people understand that attacking banks is only the stage of being a teller. In fact, the landlord's financial major, a book, should not be a teller when entering the bank, but generally manages in the background.

The quality of bank work mainly depends on the level of departments and institutions. The Head Office or tier-1 branches need to manage many institutional outlets within their jurisdiction, and the natural workload is very heavy, so it is necessary to coordinate the relationship between various departments and institutions. There are many complicated things, or the information technology department of the bank is tired because it involves system maintenance and other work, so it is not easy to write things.

The treatment of state-owned banks is not very good, but relatively stable. Worked in 2008. The total salary of the head office of one of the four state-owned enterprises is less than100000 a year, but it is also divided into departments, and the salary of corporate business or global departments will be relatively higher. Foreign capital or joint-stock system is different, and the bonus at the end of the year will be tens of thousands ~

But in places like securities or private placement, it is very easy to get hundreds of thousands of bonuses at the end of the year if you do well. I have a classmate who works in private equity. His first income is about 300,000 yuan, but he has to pay 12 o'clock when he goes home every night ~

So banks actually have their own advantages and disadvantages, depending on what you are pursuing ~

The most important thing is to find the right target.

Good luck ~

Question 3: What about the banking industry? I majored in finance in Shanghai, and now I work in a bank. I have worked in four banks and have internship experience. What about banking? First of all, you have to classify. According to my contact, it can be roughly divided into two types: one is the difference between Chinese capital and foreign capital, and the other is the difference between the front desk, middle desk and back office of a bank. First of all, let's talk about the front desk of the second type of bank in an abstract way. In the contact with customers, such as tellers, account managers or financial specialists of branches, apart from marketing positions, to be honest, the work is relatively simple and repetitive. It's really hard to say when facing different customers, but it's still necessary to work overtime in rotation. If you make mistakes, you still need to bear the pressure of marketing positions, and the competition between banks is fierce. By the way, the junior position in banking is still very bitter on the surface. It's like a besieged city. Before you go in, you think it's okay. You'll know when you get in, but the banking industry is actually just that. The middle desk of a bank is usually the management, compliance department or supervision department. Of course, it also includes departments that connect the preceding with the following. The bank is a radish and a pit, but the connection between the two depends entirely on the middle desk of the bank. Actually, I don't have much contact with Zhongtai. I just turned to this aspect. I think you raised this question. That means you haven't worked in a bank, and you won't be exposed to China Taiwan for a short time, so I won't do it. Hehe, if there is a mistake, the bank background that will mislead people's children is generally business operation, that is to say, what the front desk does is only done for the customer, and the real operation still needs to be done in the background, so the employees in the background don't have to contact the customer, and generally only one intranet computer can do the work of deposit, remittance, bill and settlement. Work is also the most stable group in the banking industry from a certain perspective. Of course, the work is also the most boring, because I have just worked as a background in a foreign bank 1 year, so I have a deep understanding. This is the second classification. In fact, the work of the banking industry is not high according to the standards of the financial industry, but it is a stable relationship. I believe you also understand the difference between bank preparation and dispatch, although bank preparation is better than dispatch. Much better, but not the same. Generally speaking, the chances of Chinese mainland and Taiwan Province, China, becoming full-time employees will not be greater than those of the former Taiwan. For example, ICBC and Agricultural Bank of China recruit many dispatched tellers every year in Shanghai, so if they become full-time employees in 3-5 years, the pressure is quite great and the background is different. There are many opportunities, but the background of ordinary banks is more difficult to enter. In this employment situation, I suggest you go to the first kind of Chinese banks, even if you send them. There should be no work intensity. For example, in the comparison of the dispatch system of foreign banks, foreign capital has an absolute advantage. Except the basic salary, it is basically equal pay for equal work. However, the gap between the dispatch and staffing of Chinese banks seems to be really large. According to the official staffing, the annual salary of Chinese banks is mostly higher than that of foreign capital. Although the basic fixed salary of foreign capital should be higher than or equal to that of Chinese capital, the year-end bonus and welfare of Chinese capital are really incomparable to foreign capital. In addition, although foreign capital is relatively compact and overtime is extremely frequent, the working atmosphere is excellent. Generally speaking, everyone wants to work in a bank, that is, to seek stability. If you want to achieve something, or the post-80s phrase "Young when you succeed", then the bank is really not for you. But if you want to seek stability all your life, you can work hard without worrying about food and clothing. Of course, if you buy a house, the employees in junior positions in the bank are also far from each other. Hehe, I don't know what you want to ask.

Question 4: What's it like to work in a bank? Hello, Chinese public education is at your service.

Chinese financiers provide candidates with campus recruitment and social recruitment announcements, written examination time, interview notice, physical examination recruitment time, etc. , and free reference materials. For more information about bank recruitment preparation, please visit Hunan Personnel Examination Network.

Take a look at some basic information of the 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.

What skills do you need to work in a bank?

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!

Three main job descriptions

1, grass-roots posts:

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 the long and short 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.

2. Other positions of the branch:

President: The annual income of the president is about 340,000 yuan, excluding office expenses, such as meals, telephone bills, 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 supervisor and accounting supervisor: The most important cadres in a branch 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 managers, temporary workers and trainee employees: generally, it is not officially established by banks, but it is said that in recent years, they have been converted into long-term contract workers. These people have the lowest income, ranging from/kloc-0 to 2000 a month, including drivers and clerks. Bank grass-roots: the most important task is to complete the various indicators. 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 still ... >>

Question 5: Is the bank working well? The bank's work is stable and better than ordinary work. The number of state-owned banks can be nearly 654.38 million, but the disadvantage is that they need to keep fit on time.

Hope to adopt

Question 6: What is the specific job of a bank assistant? I'll give you the report I just spelled out ~ ~

Dear leading comrades,

Hello!

My name is xxx. Now, I will summarize and report my work and study in the past three months.

My post is the service window of CCB, and my words and deeds represent the image of CCB. We should not be a little sloppy and lax in our work. As we all know, the savings office in xx is the busiest. Every day, each comrade's business averages nearly 200 transactions and receives about 200 customers. Therefore, such a working environment forces me to constantly remind myself to be serious in my work and to operate in strict accordance with the rules and regulations formulated by the bank. Be consistent with yourself for three months.

Because I'm new here, I'm not particularly skilled in business. In order to get familiar with the business as soon as possible, I will consult old comrades humbly when I encounter problems. When dealing with business skills, I have a requirement for myself in my heart: a threesome must have my teacher, and people who can't do it must do everything possible. If you want to help others in your future work, you must improve your professional quality. At the beginning, I made a mistake because I was not careful enough and not skilled enough. Although I lost money, it didn't affect my enthusiasm for this job. On the contrary, it made me study my business skills and theoretical knowledge hard.

Xx Institute is located in the urban-rural fringe, with a dense population. There are many laid-off and retired workers who receive social security and medical insurance around the savings office, and there are also several schools. With different educational levels, we have to serve different people every day. I always remind myself to start with the details. Put all kinds of spirits and requirements issued by the bank into practice, so as to be subtle, civilian and daily. What does it mean to make customers feel warm here?

There are often migrant workers or foreign students in the office to handle personal remittances. Some people can't even fill out the required receipts. Every time I will explain the filling method to them in detail and teach them word for word until they learn to do so. When they leave, they should also be told to keep a written receipt for the next remittance. Thank them for their continuous remittance business. Maybe someone will ask. Personal remittance is only the collection business of savings offices. It can't increase the deposit in the office. Why are you doing it so enthusiastically? But I think serving our customers with heart is the best service. When I heard the customers outside say to me: Your work is really fast ... That little girl has a good attitude ... CCB is good ... in that case. I am very happy in my heart. This is not only a compliment to me, but also an approval and encouragement to my work.

In the new year, I set myself a new goal, that is, to step up my study, better enrich myself and meet the challenges of the new period with full mental state. There will be more opportunities and competitions waiting for me next year, and I am also secretly encouraging myself. Stand firm in the competition. Down-to-earth, our eyes should not be confined to the small circle around us, but should focus on the overall situation and future development. I will also learn from other comrades, learn from each other's strengths, exchange good work and experience, and make progress together. Get better working results.

Question 7: How about working in a bank? Is there a future? What are the pros and cons? Personally, I work in a bank. I can help you analyze the advantages and disadvantages of working in a bank. First of all, if you don't have strong social relations, start as a teller after entering the bank. Every day, you have to face customers (both high-quality and low-quality), and you will come into contact with a lot of cash and figures (100000 and1000000 is just a zero, which is a thousand miles away). You should always keep a clear head. If there is a mistake, the teller will generally be responsible for the compensation himself, even once a quarter. If you can't finish it, you can only get salary and some subsidies. Working in a bank, the rest is not fixed, others visit relatives and friends during the Spring Festival holiday, others travel or sleep late during the Golden Week, so you may have to work overtime at the counter. Compared with some companies, the promotion potential of banks is not great. At present, many bank leaders are "airborne" (you know). Some leaders work at the grassroots level, but they are very capable and can attract big customers and deposits. I don't have that ability anyway. Simply put, banks belong to the financial services industry and eat youth meals.

Question 8: How about working in China Bank? Are you from Beijing or a foreigner? It is unlikely to be a regular worker. You will go to the counter first, have a task, and meet very different customers. Do you feel hard? It must be hard to do. Life is like this now. Just get used to it. I'm in the bank, and I can communicate ~

Downstairs, 100 credit cards are really few a year. We have several times as many credit cards a year as your.

Is there an annual skill? We will take the exam once in the first quarter. Anyway, I haven't seen the counter of Bank of China in Beijing. They are all young people in their forties ~ that is to say, I will do something else when I have the opportunity ~ so I have stopped working as a counter.

Question 9: How can I work in a bank? Usually, entering a bank is to stimulate Taiwan Province's work.

So you should learn some business skills of bank counters, such as counting money, copying summons, computer operation and so on.

Familiar with the bank's accounting practice and the bank's own management.

If you want to work in a bank, you must first determine whether you can settle down and work.

Because the work of the bank is very boring, especially the counter business.

And can you experience multiple tests yourself?

Working in a bank, assessment is a regular thing.

Actually, going to the bank is also a good choice. Don't feel bad until you try.

Only when you have experienced it will you know whether this job is suitable for you.

Question 10: What do you think of working in a bank? Kind of a complaint. Personally, I don't feel very good.

It's a bit like eating a pot of rice. You'll be more motivated to go in at first. After all, you have a new unit and a new environment, but after a long time, it is meaningless. You will repeat your work every day and keep taking exams, no matter what your skills are (different places are different, usually typing, counting money, calculators and so on, but you will be deducted). Most of the knowledge I learned before is useless. It will take 2 months to finish 1.

The salary is not very high, and the benefits are ok. The performance bonus depends on your marketing ability, and the bonus assessment for each position is different. In addition, wages and benefits depend on whether it is a formal job or an employment system, and the treatment of the two is different (China Merchants, Huaxia, Xingye and other businesses do not have this problem)

Working hours depend on your position and bank. There are differences between different banks in the same area. But generally speaking, working hours are the time in the system formulated by the state. In addition to overtime, depending on your position, overtime is common.

In addition, social relationships and personal relationships are more important in banks. Hmm. How interesting