One of the head office vs. branch:
The question of whether to choose the branch or the head office has always been a matter of concern for all of us when choosing an offer. In fact, on the selection of head office or branch, first of all, of course, need to be specific but specific analysis. Generally speaking, in the income, benefits, working environment, promotion and development opportunities, etc. is the head office more advantageous, but also does not exclude the good branch of the treatment than the head office of the situation, so it all depends on the individual's specific choice.
Two, the People's Bank of China
Salary and treatment:
Newly come in the staff, a month of wages 2500, 2600 (excluding other small benefits), a little bit of money to send over the holidays, wages and a piece of how much confidentiality to maintain a sense of mystery, but the first piece of the absolute majority; treatment of the palace: new employees, a month of 1000 out of the festivals! No money, another piece of retention, incomparably miserable, after the transfer to the hands of only 600, 700. a lot of salary increases every year Oh - a month more than 30 This may be the most concerned point. I can't be very blunt here, but I'll tell you, the bank in the location of the city treatment when the upper middle class. The more you go to an underdeveloped area, the more obvious the advantages of the PBGC are and the better you feel. The bank has a very good welfare protection, housing fund deduction number is considered high (than it engaged in how many that?). I'm just saying this because I have a comparison to make. When turned into a chief officer, the salary will also have a certain range of changes. You shouldn't worry too much about the house at the PBGC.
Working comfort
Working relaxation environment also has a phase difference.
Three, the four major state-owned banks
The four major state-owned banks are generally more stable, the salary will not appear a big ups and downs phenomenon. The training system is also relatively good. However, the Shanghai branch of China's agriculture, industry and construction is basically only recruiting local students.
Industrial and Commercial Bank of China
As a bank that can be seen from the street, the treatment of ICBC employees is inversely proportional to its size. It is basically recognized as the bank with the lowest income, but because of the business is more comprehensive, can learn more, and not too much pressure. And the low treatment of low staff turnover is relatively large, fast promotion, development is better.
Treatment ★
Stability ★★★★★
Development ★★★★★
Comfort ★★★★★
Salary and benefits:
ICB's previous low salary is almost a fact known to all ****, the monthly salary of 5,000 (pre-tax) about 5,000 (before taxes) plus year-end bonuses, in the four major banks in the worst. And very many industrial and commercial bank employees reflect, industrial and commercial bank employee salary distribution is extremely unreasonable: there is no specific model; not according to the length of service only according to the post salary; president and other senior positions and the bottom of the wage gap between employees is very large. Industrial and Commercial Bank of China in the staff pay and benefits in this area is really people do not dare to agree. But recently there are hints of wage reform, so the road ahead is still very bright, it is said that after the reform of the Beijing area to do the counter also got nearly 80,000 annual salary.
Career development:
While ICBC's salary is not high, it is definitely a platform for learning, and those who are willing to do so will learn a lot, and it also adds a strong bargaining chip for you to jump to foreign banks and commercial banks. However, ICBC's control of processes is particularly strict, so sometimes you have to put in some effort to write requests to the leadership.
Working comfort:
Working hours are related to the department. Some departments are busy but don't require overtime, while others are busy and need to work overtime every day, and the overtime pay isn't too substantial or easy to get because it needs to go through several layers of approvals, so you can basically regard it as unpaid overtime.
Bank of China
Like ICBC, the Bank of China has a well-developed training system and has an advantage in foreign currency business. According to the owner of the information obtained, the Bank of China, a sub-branch of the Bank of China to work for a year of alumni treatment of an average of about 5,000 per month
Treatment ★★★★★
Stability ★★★★★
Development ★★★★
Comfort ★★★★★
Complexity:
Remuneration and benefits:
Guangzhou area: first year salary is rarely: undergraduate 2500 before tax, after tax less than 2000 around and less than 2,000 after tax; Master's degree students are 300-400 higher than undergraduates before transferring, but they can be transferred after 3 months, and it will be much better after transferring, while undergraduates can only be transferred after 1 year. Also BOC has a better housing policy, so if you want to work in BOC often, you can have a better set of housing when you start working.
CAREER DEVELOPMENT:
Bank of China is a bank that attaches great importance to talent in the banking industry, and attaches great importance to the training of employees. Employees can learn a lot about the bank and also have the opportunity to be promoted internally from the branch to the head office.
Work comfort:
Normal working hours.
Construction Bank of China
CBC is said to have a big difference in treatment between different branches, and there is a jingle called "National Treasure 1,255, branch business department". The first is that the bank is more effective is the international business department, Baoshan branch, the first branch, the second branch, the fifth branch and the branch business department.
Treatment ★★★★☆
Stability ★★★★
Development ★★★★
Comfort ★★★★
Salary and Benefits:
In these years, CCB has been developing rapidly, and the growth in earnings has brought about a high level of income for its employees at the same time. Although CCB's salary is not as good as the big four and the like, the bonuses (to be frank, gray income) are still a pretty substantial income. But even within the same banking system, there are differences in income levels in different parts of the country. For example, a sub-branch in Sichuan Province, the average employee monthly salary of about 3,000 yuan, but the provincial bank authorities are not less than 100,000 yuan a year. As for the Shenzhen branch, the monthly salary is 5,600 yuan in the first year, 7,000-8,000 in the second year, and 10,000 yuan in a good branch. Overall, there is a big difference in treatment between different branches, and the general CCB is about 65,000 annual salary.
CAREER DEVELOPMENT:
CBC will guarantee your life after retirement, and there are subsidies for buying and renting a house, so you don't need to fight to the death for a house, and the money CCB will give you after retirement is enough for you to be happy and at ease. CCB does not value whether you come from a prestigious school or not, and the development after joining the bank still depends on personal ability.
Working comfort:
Working in CCB does not require overtime work, and you will have a lot of spare time, which is especially attractive to many girls. And the spare time you can use to study to self-enhancement, work for 5 years then CCB may send you out to study. The bank's working environment, because many of them have to deal directly with customers, is very well thought out, and you can certainly be assured of sitting comfortably in an air-conditioned, cool office, and an easy-to-deploy bus.
Agricultural Bank of China
Treatment ★★★★☆
Stability ★★★★
Development ★★★
Stress ★★★★
Salary & Benefits:
6500/month after regularization, with around 1500 house allowance, higher for software development department, though frontline workers are treated worse. Before the transfer may only be able to get 2000-3000, after the transfer will have a basic salary + performance bonus + year-end bonus + a variety of holiday expenses. Of course the exact number will vary from city to city.
Career development:
Agricultural bank is the equivalent of one level of enterprises to 3 levels, so it is difficult to jump, and the competition is big, many relations. Agricultural total Tsinghua Beihua University a lot.
Work comfort:
Under the same salary, the agricultural bank's work intensity is the lowest, the work pressure is the smallest, so it has always been jokingly called in the agricultural bank work in the suspicion of pension. As for the good and bad are in the eye of the beholder, people who like a leisurely life and don't like to endure high pressure may want to consider it.
Four, small and medium-sized joint-stock commercial banks
Since the joint-stock commercial banks are more competitive, in order to retain talent, so basically the treatment will not be a lot of difference, especially for the core marketing staff. Because of the fierce competition, the joint-stock bank pressure than the four state-owned, so do not do a good job to be replaced, the leadership level is also subject to the pressure of the branch and the head office, the branch president often rotate, which also caused some banks due to the change of the president of the relationship between the salary appeared to be the phenomenon of a big ups and downs. For new employees who have just graduated, small and medium-sized joint-stock banks are generally difficult to provide better training, and because small and medium-sized joint-stock commercial bank employees in general have higher academic qualifications, internal promotion is also slower, and there are certain constraints on the space for development. Basically in the small and medium-sized joint-stock banks can not make a big fortune, but no problem with food and clothing.
China Merchants Bank
As the winner of the most controversial employer award in the job-seeking section of the 2007 World Wide Forum, despite the fact that China Merchants Bank has solved 199 jobs for 2007 graduates of the University of Finance and Economics, and despite the fact that China Merchants Bank has provided a good deal of treatment (which I don't think is too low), there are still a lot of alumni who are bitter and hate China Merchants Bank, but they are not happy about this, so they are not happy about this, they are not happy about this, they are not happy. I hope that some alumni of China Merchants Bank will have the opportunity to speak out. By the way, China Merchants Bank is accepting non-local students.
Treatment ★★★★
Stability ★★★★
Development ★★★★
Comfort ★
Salary
Relative to other banks in China, China Merchants Bank's salary package is very good, in addition to the basic salary, there is a bonus of 1,000 - 1,500 per month, every year, the five festivals, Chinese New Year, the Bank's anniversary, May Day, November 11th, January 1st, there are festival fees. In addition to the basic salary, there are 1000-1500 bonuses every month, five festivals, Spring Festival, Bank Day, May Day, November, New Year's Day, double pay in June and December, and quarterly and year-end prizes, which add up to basically 50,000 to 70,000 dollars a year for a year of just joining the bank. Account managers can get 150,000 annual salary, benefits also have a lot of enviable place, let's say Chengdu branch, China Merchants Bank employees lunch meal ticket is the highest standard 10 yuan, and commute to and from work with a car.
Career development
New employees will have three months of training time, management trainees after half a month of intensive training, they will be divided into various outlets to rotate training, promotion, because China Merchants Bank is also a very young company, the scale of the expansion, so there are still many opportunities for promotion, in the promotion of, compared to the four big state-owned banks, China Merchants Bank is more important to the performance of the ability of individual performance and The company is also very young and expanding, so there are still a lot of opportunities for promotion. In the big four, you can only have a chance to be promoted if you have stayed up for enough years, but in China Merchants Bank, you can be promoted at any time as long as you prove you have the ability.
Working comfort
Working hours, complaining about China Merchants Bank is too tired of the call, although China Merchants Bank's salary in the domestic banks is relatively high, but China Merchants Bank's work pressure is also far more than the big four state-owned banks pressure, usually from 8:30 am to work until 7:00 or 8:00 p.m., and at noon there is only a 20-minute meal time (Beijing branch).
Pudong Development Bank
Treatment ★★★★☆
Stability ★★★★
Development ★★★★
Comfort ★★★★
Pudong Development Bank is known as the Shanghai Municipal Government's oldest son, and has always been recognized as the Shanghai Bund's employee welfare benefits a number of banks and the second in the last few years, but in recent years there has been a decline,hollister france. The actual fact is that the actual actual actuality is actually a lot better than the actual actuality. The benefits are still good, and there are low-interest loans or mortgages. Downstairs, some of the POSH alumni on the POSH treatment put forward a new view, which I welcome, may be different channels, POSH treatment up and down the relatively large difference in the relationship between the first 4 and a half stars treatment rating.
Bank of Communications
Treatment ★★★★
Stability ★★★★
Development ★★★★
Comfort?
As a national bank with its head office in Shanghai, CBI is moderate in every way. Unfortunately we have no direct contact with CBI alumni, so we hope you'll add to the list.
Bank of Shanghai
Treatment ★★★★
Stability ★★★★
Development ★★★★
Comfort ★★★★
The Bank of Shanghai is known as the little son of the Shanghai Municipal Government, and is better known as the bank that pays the retired workers' retirement pay in Shanghai. Shanghai Bank's housing post is issued in cash. In previous years, the treatment of the Bank of China in general, but this year began to raise salaries, treatment has improved greatly (relative to the previous), internship period of 1 year and a half, this year, a branch of the Bank of China's new alumni monthly average of 3K or so, last year, into another branch of the Bank of China's alumni monthly 2K company salary +2K subsidies plus high temperature fees issued 3K, after the transfer of the 3K per month after the post, hair full 10W until the house. The bank this year **** send probably more than 1 hundred offers, Caijing University in about 30%.
Shanghai Rural Commercial Bank
Treatment ★★★★★☆
Stability ★★★★★
Development ★
Comfort ★★★★★
Since you can give a five-and-a-half star rating, you can certainly see that the bank is treated well. According to the new alumni report in 07, the bank's first year after tax of about 7w, another irregularly distributed in kind, pay six gold. Because of the plan to go public, each employee enjoys an employee stock ownership plan, speculation in stocks know that the return on this piece of money is likely to be some people can not earn money in a lifetime. As for why the development is rated one star? Because the ones that come into his family rarely jump out, basically waiting for retirement. His family ****ed out 144 offers this year, and Fortune's accounted for about 10%.
CITIC Bank
Treatment ★★★☆
Stability ★★★
Development ★★★
Comfort ★★★★
CITIC's first few years of treatment is still good, but this year, the treatment of the branch after changing the president fell more, a lot of capable people jumped ship, the new carried out jumped more, so the whole branch in general is more The whole branch is in general more chaotic. This year, the new alumni treatment is currently about 2300 per month (including high temperature fee), plus 300-500 car allowance, depending on the branch. Like to fish in troubled waters students may wish to give it a try, the bank always want people to work, maybe cheap mix 2 years up, treatment also went up. This year **** recruiting 60 people, 35% or so of the University of Finance and Economics, should also be regarded as more important to the University of Finance and Economics students of the bank. The company also recruited non-local students.
Minsheng Bank
Treatment ★★★ - ★★★★★
Stability ★
Development ★★★★
Comfort?
Some people say that Minsheng is a rice bowl, but only if your dad is a rice bin. Of course this is a joke, Minsheng is one of those banks that is very much about
efficiency. It doesn't matter if you don't go to work because you have the resources to do so, you'll still get a very high salary. If you don't do well, you
will be kicked out without hesitation. We're sorry we weren't able to contact the Minsheng alumni directly, but we'll have to add more details.
Shenzhen Development Bank
Treatment ★★★
Stability ★★★
Development ★★★
Comfort ★★★★
The following quotes an alumni mail: "one year apprenticeship, assigned to a branch of the accounting department to do public and private business, wages 1600, bonus no, car allowance 400, the The company's main goal is to provide the best possible service to its customers. The company's main goal is to provide the best possible service to its customers, and to provide the best possible service to its customers.
Industrial Bank
Treatment?
Stability?
Development?
Comfort?
Alumni in contact 。。。。。。
Everbright Bank
Treatment ★★★★
Stability ★★★
Development ★★★
Comfortable?
Unfortunately we didn't have any direct contact with Everbright alumni, but an alumnus on the 341st floor provided us with information that he was earning 3,500 per month in his first year, which seems pretty good. Otherwise it should be similar to other small and medium-sized joint-stock banks, with little room for growth and not enough stability.
Talking about the organizational structure and job content of banks
Lately, I've seen a lot of talk about various banks on the WORK and CL boards. In fact, for graduates who have not been in the banking industry, banks are really strange, because most of our previous understanding of the bank is only at the counter.
In recent years, banks have been paying more and more attention to recruiting college students, and recruiting more and more people. The reason for this is that with the opening up of foreign capital and the listing of banks, the quality of their staff is becoming more and more demanding, and senior management is beginning to realize that the old staff are not meeting the needs of the present to a large extent.
As a bank is not very long into the staff, I hope that the following these introductions can give all of you are looking for a job in Zhejiang brothers some help.
First of all, how many positions are there within the bank?
The first thing you need to do is to distinguish between a head office, a branch office, and a sub-branch office. The head office and branch offices are mainly administrative and managerial positions, and with the exception of a few departments, they don't do any specific business. Now every bank's head office and branch will recruit some people every year. Sub-branch, is directly facing the customer, do some. Specific jobs. For example, settlement work, credit work, these are done in the branch. Nowadays, when a bank is recruiting, if it's the head office, it usually stays at the head office, but it may be put into the branch for a while. If it's a branch, then it's for the sub-branches to recruit, or to do business in the sub-branches for a few years and then move up to the branch. When you report, most of you will probably be assigned to a branch. This is also a chance to finalize your salary. Because the income varies from branch to branch, and also varies a lot. In the branch, there are
many departments, such as the accounting department, investment banking department, corporate business department, approval department, all sorts of things, may be called different names, but these are the specifics of these, yes, there is also the information technology department and so on. There are three types of positions in a sub-branch, one is the settlement, one is the account manager, and the other is the general staff. Settlement is also divided into many kinds, front office, back office. Foreign exchange. Account manager is divided into three kinds, one is to do personal loans, mortgage ah, personal consumer loans, this everyone knows what to do, anyway, is to give personal loans. The actual fact is that the actual people who apply for it, then you'll be able to prepare the material ah, reported for approval, it's OK. The second is now very popular to do personal finance, generally known as private client manager. Mainly do some new issue fund sales, and gold ah, foreign exchange products ah, anyway, is a variety of financial products promotion. The last is the most public account manager. This position is generally done in the loan, of course, there are some account managers specializing in the management of deposits also have. If a company needs a loan, then it is the beginning of the customer rating report, write a loan declaration, prepare materials, reported to the branch for approval, and then release these things. The General Affairs Department is a housekeeper. As a newly assigned college student, there are no rigid rules about which position you should take. It's usually based on the actual needs of each branch. So a common distribution pattern is to do settlement at the counter for a while, and then start working as a private account manager or public account manager, with more of them working as public account managers. Except for a few graduates who may be positioned to specialize in foreign exchange ah so, generally in the counter will not be too long. For example, I myself did a month to do public.
The second issue is the treatment of concern
In fact, in addition to the individual better units to see, the banking system's income is really more competitive, but in the same position, I feel that you want to rely on the mixing of life and then increase wages is relatively small. Only you rise to the section chief, or further up, this way the salary will be adjusted upward a lot. Exactly how much, each branch situation is different, it depends on the efficiency 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 fund, and then a variety of insurance and other things is only a thousand dollars. However, the performance pay is often several times the salary, which is quite substantial for both private and public sectors. The first year may be a little less due to various discounts. There's also the possibility that the first year will be based on the average salary of the branch, so you may not be able to match the performance of your branch. Income in the banking system depends heavily on the economic development of the city. Only when there are more big companies and more big customers, the bank's profit will go up. That's why it's better to choose a bank in a big city, like my city compared to some small cities, the difference is quite obvious. Finally, I feel a number of my own, the first year is estimated to be more than 50,000 no problem. If you count those provident fund ah (banks generally this piece is very large, for example, I was calculated according to 20% of the salary). In addition to these incomes, the banking system will often give out holiday fees, November, May Day, New Year's Day, Mid-Autumn Festival, these will be given a thousand or two thousand, and there are also a variety of names of some of the incomes, such as the cool drink fee ah, clothing fee ah. In fact, there are some other things, such as many banks will provide dormitory, so you can save a thousand dollars a month, in addition, provide clothing, anyway, I usually do not need to buy clothes. I don't usually have to buy clothes, and I can basically take care of my meals at work. Of course, there may be a big difference in income and benefits between banks and sub-branches, but compared to other industries, the banking industry is still very competitive. Although the general bank HR will not mention how much income during the presentation or interview, I heard that only three thousand dollars a month, listening to HR, in fact, far more than that. The big four state-owned banks, foreign banks, other joint-stock banks in the end how big the income gap, I can only with my own heard to judge. The big four are about the same as China Merchants Bank and Minsheng, but they have the advantage in terms of benefits. The foreign companies have slightly higher salaries, but they seem to recruit fewer people and are harder to work with. In addition, in terms of position, the public sector is generally more profitable than the private sector, and the private sector is more profitable than the counter.
The third question is what kind of problems do you have in a bank?
First of all, people must think that the deposit. This phenomenon does exist, every end of the quarter, or the end of the year, there will be a certain amount of deposit task, but if you are not doing personal finance (because they meet the chances of high-end customers is really too big, want to pull it is difficult), if you do not do the VIP lounge teller. The general pressure is not big. Like we do the public account manager, the general distribution of the task are less than one million. This task is not really difficult to complete. Of course, for new employees in the first year will be a little more difficult, but the bank is generally not forced, and some of the old staff will help you, because they are some of the indigenous people, the ability to pull deposits is very strong, there is a lot of surplus. A few years down the road, this task for you will not be too difficult to complete, because the various banks are now to the end of the quarter when a pull, and then immediately transfer the money out. Then the next time you have a job, you can transfer it over again, and each time there will be some incentives, just for those customers. After a year, you'll be required to have an average daily deposit in your name. This requires you to contact with the customer can pull down one or two big customers to deposit money in your place, usually is about one or two million, hard work is not very difficult. It's not that hard to do, because there are a lot of rich people in the bank. In addition there are some tasks, such as credit card a few per person per year, there are some requirements to do on the guild to open new accounts ah, new payroll ah, these are more difficult. But there is no task there is no pressure, I am afraid that any unit will have such pressure to save big, so there is no need to be too nervous.
Secondly, I think it's a matter of positioning your own personal career development. In the bank, the atmosphere of seniority is still relatively strong, and it usually takes five years or more to get to the head of the section. Many people may feel that they can't afford to wait. But nowadays, banks are paying more attention to young people and talents who can really create benefits for the bank. For example, the last time I met a branch manager of SZD, he was only 30 years old and graduated from Nanjing University. I can see that there are still a lot of opportunities for everyone, especially in this day and age.
Lastly, a lot of people are worried that they will be assigned to do the counter for the rest of their lives. I think even if they wanted to put you in a position to do this for the rest of your life, you wouldn't want to do it and would have left by now. Also, most banks take into account the wishes of the individual more than anything else. Your true feelings are usually taken into account...and I can't rule out the fact that there are a lot of girls out there who would love to work at the counter, I've seen it happen.
I can't think of anything else I can tell you. The above is only a relatively short period of time I personally understand some of the situation of a few individual banks, may be more one-sided, if there is something wrong please forgive me. I hope to help those who are interested in entering the bank, or want to know more about the alumni. If there is anything else that you would like to know, please feel free to send a message to discuss.
What kind of people do you need in a banking career
First of all, banking is a good industry, an industry with great historical opportunities.
It is good because the industry has high salaries and benefits, the more economically developed areas, the higher the salary, the better the benefits; the higher the level of management organization, the higher the salary, the higher the benefits, for example, the head office is higher than the provincial branch, the provincial branch is higher than the municipal level of the second level of branch, the second level of branch is higher than the grass-roots sub-branches; the higher the position, the higher the salary, and the level of the difference is very large.
The second reason, a good working environment, stable work, low pressure, pressure and the level of the organization is inversely proportional to the higher level of management agencies, the lower the work pressure, on the contrary, the grass-roots business institutions, business volume, work pressure, need to maintain a high degree of attention, otherwise the difference between the amount of money need to be their own payout, but also subject to disciplinary action, penalty bonuses, but after the account is all right, do not have to think about tomorrow's business, the people say: Save your heart!
The third reason is that the industry is in a period of reform, the need for high-level talent, especially after 2007, China's financial sector is completely open to the outside world, the implementation of the national treatment of foreign banks, foreign banks will be beached to set up a point of inevitable need for highly educated financial students, students of finance is a major advantage!
Fourth, this industry is a rare historical opportunity for young students with education and real talent! The wide stage has been set. Because according to China's opening up schedule, after 2007, China's financial sector will be completely open to the outside world, foreign banks and domestic banks, will also enjoy national treatment, foreign banks to open branches in mainland China will no longer have special restrictions on foreign banks and domestic banks competition is inevitable, so the state-owned banks in order to cope with this challenge to speed up the reform, the establishment of modern corporate governance mechanisms has become Therefore, in order to cope with this challenge, state-owned banks should speed up the reform and establish a modern corporate governance mechanism. So in recent years, the state-owned banks boldly carry out institutional reform and streamlining of personnel, determined to change the current aging of personnel, age structure is unreasonable, the staff culture level is low, a single skill and so on the shortcomings of the grass-roots level in the basic line is basically a man 52 women 47 on the consideration of internal retirement, and all go home to rest! Correspondingly, the need to introduce a large number of high-level talent, which gives those who study finance provide greater employment opportunities. Therefore, it can be predicted that a few years later, students studying finance will certainly become the darling of the job market!
Secondly, what kind of talents does the banking industry need?
With my personal understanding of the banking industry, I think this industry is one of the most in need of talent industry, said the need for talent, the need for a high level of real understanding of international finance and modern investment knowledge of talent, the need for macroeconomic management and decision-making talent, the need for high-level product design and development of talent, but also the need for a high level of legal talent and computer program development and design talent, the need for high-level investment and financial management, the need for a high level of talent, and the need for a high level of investment and financial management. Talents, the need for high-level investment and financial consultants, this talent in the current banking industry is too little. Because from the banking industry personnel to enter the channel and the current personnel cultural structure, the current personnel working in the bank, part of the 80's to replace their parents to take over the line of personnel, part of the high school students from the community exams to hire personnel, another part of the state-owned banks when the separation of other units from the community to transfer personnel, part of the personnel is recruited college and university students, therefore, the highest proportion of high school education personnel, original education is a bachelor's degree and above personnel is very few, the proportion of highly educated personnel is relatively low, so that the banking industry is short of talent, the need for highly educated personnel! Need to change the current personnel academic structure.
Third, the banking industry job settings and the ability of personnel requirements.
The current situation of the banking industry institutions are set up: head office, provincial banks, municipal banks, branches, outlets (savings), institutions set up into a pyramid, branches, outlets throughout the city streets, but also the placement of the largest number of people. The position of the higher-level organization is set up as follows: senior management, the common people talk about the president, vice president and other decision-making level. Below a number of departments: human resources, corporate, institutional business, personal finance business, asset business, credit approval business, legal affairs, operational business, planning and finance, etc., the requirements for professional and ability is: economic professions, business to know the relevant business knowledge of the profession, because the bank is a state-owned enterprise, is a business unit, the pursuit of maximizing the benefits itself, so the individual ability to compare the requirements of financial management ability The bank is a state-owned enterprise, and it is a business unit that seeks to maximize efficiency. Focus on marketing and communication skills. Branch and the following institutions staffing is basically operating personnel, a few are managers. The basic need for operators, the ability to require a vocational high school education can be fully competent, because the computer program is unified and fixed, is foolproof, the window staff only need to press the Enter key and will enter the number will play the name can be, so the vast majority of bank employees simply can not read the company's books! If you need the ability to communicate with customers, you will be able to market the deposit will be OK, but this is also limited to economically underdeveloped areas, if it is economically developed areas of the bank window, there is no need to pull the deposit, you pull the face of the customers, customers still queue up to access the money, you don't need to market, of course, you will be able to market the window to leave the window to rise high. If you are a senior talent, in the city bank, branch is basically a waste, because there is no such environment and opportunities, because of this, now the second level of branches, sub-branches of the management of the management of not much is the class origin, so if you learn finance into the bank, to enter the provincial bank or more, if into the sub-branch of the majority of the window will be arranged to the first line, 3-5 years later, you and vocational high school students! The first thing you need to do is to get a good job of it, and you'll be able to do that! On the contrary, if you are not as good as a vocational high school student in terms of interpersonal communication, you will be ruined in this life! That is why grass-roots banks need the least talents, because the vast majority of positions in this industry actually require ordinary window staff! Because of this, highly educated people will be able to manage, marketing, leadership will be more room for advancement.