Where are all the 40 and 50 year old employees of the bank?

Today, I also read an article that said that now the bank employees, take the iron rice bowl is no longer secure.

Once upon a time, the bank is a lot of graduates in the heart of the very desirable place to go, finance, finance class graduates, if you can enter the bank, it is really a very dignified thing. The bank's salary is also notoriously high, in other people get three or two thousand internship salary, the bank has five or six thousand, in other people are still hovering in five thousand, they get seven or eight thousand seems to be a common thing.

Only, bank employees today, the day, may not be as moist as in the past, the bank is still very profitable industry, drought and flood. However, there is also a lot of pressure on performance, and will even be pressed into the head of each employee, typical such as the bank before the main push ETC, that task is everyone is less.

Fresh graduates don't want to go to the bank so much. I've also met a girl, before the Bank of China to do credit, out of the enterprise to apply for a general cashier post, which in the past, probably very few will be so jumping ship it. Banks also still have old employees in their forties and fifties, they may not do business at the counter, but to the back office to do management. They may also retire early, and compared to the private sector, bank retirement benefits should be a bit better, usually including group commercial insurance and corporate annuities. Then some of the older employees, if they are in a position to do so, may also apply for early retirement, anyway, no worries.

Frequently go to the bank friends may find an interesting phenomenon, for most of the bank, the business hall inside the staff, such as tellers or lobby manager, most of them are some young and beautiful young man, or little girl.

In this regard, many people may have a question, at present, many banks are established for a very long time, they must have some old people, then these old employees in the end where to go?

From a practical point of view, the bank's old employees who are 40 or 50 years old mainly have several destinations.

We go to the bank only to see the young and beautiful boys and girls, for those who have been established for a relatively short period of time for the bank is indeed so, but if you often go to the state-owned big four banks will find that, in fact, there are a lot of front-line staff also have forty and fifty years old, such as I often go to my home near the Bank of Industry to handle the business, the lobby manager, as well as a number of teller also have forty and fifty years old people.

And this phenomenon is not only in Shenzhen, but in other cities as well.

Although the bank is now also very focused on training young people, but for those big banks, want to promote to the leadership position, in fact, also have to discuss seniority.

We don't rule out the fact that there are some young and talented young people in the leadership of the bank, but most of the bank's middle management and above are dominated by people in their forties and fifties.

So for those four or five year old bank staff, if they have the ability or a certain relationship, that can be promoted to leadership positions is the best end.

But on the whole, there are only so many leadership positions in banks, and many banks have tens of thousands or even hundreds of thousands of employees, so the people who can really be promoted to leadership positions are actually very few.

For those on the 40s and 50s of the bank staff, let them work in the first line on the one hand is more tired, on the other hand, may affect the image of the bank, so some banks will be these older staff to the second line, engaged in some of the second line of work, such as the work of the party group, logistics, safety and security work, data collation work, etc.

However, these banks will not be the first line of work to the second line of work, but will be the second line of work to the second line of work.

However, these logistical positions are limited, so not all the older people are able to retire to the second line, if we have the ability to general, with the leadership of the relationship and general, it is estimated that want to transfer to the second line is also more difficult.

For people in their forties and fifties, the difficulty of jumping to other industries or other banks is relatively large, but in reality does not exclude the existence of this possibility.

Especially for the ability to be stronger, or more network resources, hand in hand with the deposit customer resources financial customer resources, even if they are forty-five years old, the same by the other bank's welcome, so some people will be transferred from the big banks to other small banks to engage in some management positions.

The internal retirement is simply the internal retirement, this has some difference with the retirement, the internal retirement is mainly those who have 5 years from the time of retirement or the cumulative length of service reached 30 years or more can handle the internal retirement.

At present, the retirement age of men in China is 60 years old, and the retirement age of women is 55 years old, which means that if the bank staff reached 50 years old, men reached 55 years old, you can negotiate with the bank for internal retirement.

After the internal retirement, these bank staff will negotiate wages with the bank, some banks will be issued in accordance with the basic salary, and some will be issued in accordance with the local social minimum wage 1.2 times, but during the period of internal retirement, the bank should normally pay social security provident fund and other social insurance.

Buyout age in the major banks more than a decade ago to prepare for the listing of the time is very common, when the state-owned big four behavior to meet the requirements of the listing have been reduced, and one of the important means of attrition is to buy out the age of service.

The buyout is a one-time payment to the employee, and then the employee is released from the contract, as to how much the cost is, the difference between different people may be relatively large.

But this is a relatively rare phenomenon among banks today. After all, it's a matter of negotiation, and if the employee doesn't agree, the bank can't force them to buy out the employee.

I'm the head of the bank's county office, and I'd like to talk about where the bank's old employees are going.

1, the bank has a variety of points, there are central banks, policy banks, commercial banks, rural credit unions, etc., before the postal savings alone, now also merged into the ranks of state-owned commercial banks to go. Central banks, policy banks employees generally refer to civil servants is, in fact, not in the ranks of the discussion of this topic. State-owned large banks, many city commercial banks management model are similar to state-owned enterprises, can be categorized as a class; joint-stock banks, private banks generally refer to the management model of modern companies, can be categorized as a class; local agricultural and commercial banks, city commercial banks are in the fuzzy state between the state-owned enterprises and joint-stock companies, each with its own differences. Different enterprise management mode, the banks treat the old staff management mode is naturally different.

I have worked in the state-owned large banks, joint-stock large banks, city commercial banks, I will briefly talk about my understanding of each type of bank. Of course, I generally work at the grassroots level, and I will not go into the senior leadership employees, but only the grassroots employees.

State-owned large banks: in fact, whether it is a state-owned large banks or other banks in general to the age of 45 or ordinary employees or grass-roots cadres, then generally can not be in the position to get progress, basically the same level of posts to retirement. State-owned large banks, large institutions, many positions, the general general staff after the age of, for example, male 55, female 50 years of age theoretically can be for early retirement procedures, some female workers can even directly retired.

I often joked with my female colleagues who were in the unit at the same time that I was still working when they retired and got tired of square dancing. There is no retirement or internal retirement of employees on the age of 45, there are few in the front line, generally in the line of the interior, for example, I was in the state-owned bank, the first to see the retirement of the old comrades is the first line back to the logistical management of the cafeteria to go. There are also professional skills better, originally in the management department, that generally will be in the management department to do until retirement. There are some grassroots cadres, after age, anyway, is close to retirement, the workload will be much less, are given to young people to exercise. Of course, there are some comrades around the age of 45 who are placed in the account manager or teller line, and those around the age of 50 are rare.

Joint-stock banks: To be honest, I'm in the joint-stock banks, in addition to the leadership have not seen colleagues over 45 years old. Joint-stock banks, city commercial banks and other work pressure, the average employee is really hard to get through to retirement, many banks claimed that the average age of unit employees is low, think hard. But this is to say that the average employee, when the leadership is still better to stick.

State-owned banks or credit unions, I have seen older employees near retirement to do ATM self-service machine maintenance. Now there are fewer and fewer ATMs, and I don't know if there will be any more positions when I get older.

2, the bank position is diverse, the level is also different, such as a bank employee level as much as 24 levels, the salary has 96 gears, all levels of employees to stay old to engage in the position, enjoy the treatment is not the same.

Banks generally have a system of internal retirement, leading cadres and ordinary workers in the retirement, or near-retirement arrangements on the post is different. The general staff just said are to go to the logistics, ATM maintenance and other seemingly unimportant actually still a little busy position. The leading cadres can arrange a technical management positions, such as risk manager, such positions are generally not too busy As for the internal retirement, the banks are not the same, some banks cadres can continue to enjoy the benefits of internal retirement, some do not. Some of the bank cadres can be retired from work to enjoy the treatment, some banks either retired from work to enjoy the treatment, or as usual, according to the ordinary workers to work, enjoy a little leadership treatment.

I've been talking a lot, in fact, all walks of life have their own characteristics, all kinds of banks, all kinds of enterprises also have their own arrangements, but not all, as bragging rights.

Finally, with a sentence, now have a mid-life crisis, mid-life anxiety, not to mention the anxiety of 45-year-olds, I such as the less than 35 is also very anxious. Banks are really vulnerable, I do not know if I can make a living by bragging in case I lose my job in the future.

General contact with the bank employees are basically tellers and account managers, the professional call, these positions are part of the banking business sequence in the front office staff, we also have the business sequence of the middle and back office staff, technical positions, administrative positions and leadership positions. Few bank employees in their forties and fifties will still be in the front office positions, because of the fast pace and intensity of work, more suitable for the rookies who just entered the industry to do these low-skilled and labor-intensive work. So where are these replaced employees in their 40s and 50s going?

In summary, the bank's 40- and 50-year-old employees are in the minority, but not at the counter inside the business or as a customer service manager to go out and market it, and the contact between the customer and the exchange of fewer resulting in a bank without the old staff of the false impression!

I'm a bank employee, I'll answer this question. You asked the bank forty-five years old staff where have gone? Most of them are there, and I'll tell you where they've gone.

1. Banks are hit by the economic downturn more than any industry. The task is heavy, the pressure is great, the wages and salaries do not say how much they have fallen, almost ten years have not moved. Forty years old, it is the time when a person is rich and strong, experience, experience, knowledge level have accumulated to a certain thickness, some people choose to jump ship.

2. There are two sequences of bank salaries. One is called the technical sequence; one is called the job sequence; the general staff go to the technical sequence, the technical sequence of small gold, the general staff to the equivalent of the deputy director of the section on the top, if you are 35 years old to this position, you later 25 years into a dead wage, and then will not move. Job salary sequence is also the same, go to that level to take that level of salary. Internal competition is also quite fierce. There are very few old people, due to the low level of culture, to retirement or clerk's salary.

3. Banks are divided into front and back office, older, not suitable for sitting at the counter, generally diverted to the back office, but also to the so-called authorities, the following business checking and guiding the position.

In short, the bank's forty-five-year-old employees in the foreground is not much, the main is to jump ship, dry, internal diversion of these three channels.

The situation of each bank is different, we are exposed to just the bank's grass-roots outlets of the first-line staff, such as tellers, lobby managers, credit account managers and corporate account managers, is now basically a two-tiered polarization of the situation, and now in our local banks, ICBC and Farmers Bank of China, the front counter tellers and lobby managers to arrange a large number of middle-aged and older people, the young people are arranged to be in the account manager's front-line marketing positions; other banks have a waterfall of young people at the front desk and lobby, and most of the middle-aged and older people are in the middle and back office. Of course all banks have a **** the same point, executive positions are middle-aged and older people, in recent years, the age structure optimization, before the young people's path to promotion.

A brief description of the bank's job setup

Basic front office positions: tellers, business executives, lobby managers, financial managers, retail managers, credit managers and corporate account managers

Middle and back office positions: the main focus in the Department, mainly in the Ministry of Human Resources, the Ministry of Integrated Management, the Department of Risk Management, the Department of Personal Funds, the Ministry of the Company, the Ministry of Legal Compliance, the Office of the Party Group, trade unions, accounting operations department, channels

Understanding of the bank's job setup, let's talk about the answer to the question, the bank's forty to fifty pairs of old employees are where it is, are here: middle-aged and old people's jobs are mainly concentrated in the management of the second level of branches and the first level of branches, the above departments and offices.

In the age group of 50-60 years old, the personnel will be mainly concentrated in the trade unions, treasury level party office these more laid-back positions.

These people bank is also doing some reform, gradually age structure optimization, more and more young people on the leadership position, ICBC and Agricultural Bank of China I feel in the forefront of the times, so that some important positions arranged to young people, some relatively small pressure on the position of arrangements to the middle-aged and elderly people, I think it is more reasonable.

The owner of the said 40 to 50 years old employees do not know where to go, I guess refers to the small and medium-sized banks. Because the big state-owned banks in the forty-five years old employees in the branch is still relatively common.

Forty and fifty year old employees, now the bank is basically seen as old employees. Because of the Yangtze River, this age group has been caught up by younger employees.

In some state-owned large commercial banks, this part of the staff due to institutional problems, has not reached the retirement age, but also long ago no internal retirement policy, so still have to work normally. Due to the limited size of the staff, older employees have not retired, they can not or less to replenish young employees. Therefore, in these big banks, many of the older employees in their forties and fifties are used as new employees. There are quite a few working as tellers and lobby managers at the front desk. This position is probably a better fit than an account manager.

There is also a part of this age group in the middle and back office, or leadership positions. This is mainly the case in small and medium-sized banks. Small and medium-sized banks develop late, the workforce is young, with the expansion of business scale, and constantly replenish the young staff, the middle-aged employees adjusted to the middle and back office to go. People who often go to small and medium-sized banks to do business, I believe that there is an experience.

Forty to fifty year old employees, the young people also brought almost. It seems like the mission has been accomplished. The most heard from the future should be to give way to young people. After all, our Chinese national conditions, everything is to be young, in the bank is not bad, in those who eat the youth meal industry, people to the middle age is not very popular.

I sometimes make nuclear calculations in my mind, this is if the implementation of delayed retirement, to the age of 60 years old still working in the bank, it must be what is the case.

The customer said withdraw money, withdraw money, we sit in the counter can not hear, can only ask loudly "what did you say?"

As the saying goes, a family has a treasure. This age group of employees also depends on which bank, each bank's specific situation is different. Forty-five year old bank employees also have to be divided into men and women, if the lesbians may be more than fifty years old retired, the men can still work to sixty years old.

Older employees play a very important role in the development of a bank, many positions will encourage rejuvenation, but without some of the old staff who are well versed in the procedures, business, the actual work will be more detours and encounter more difficulties. I am now in the bank, where the department from the beginning of the establishment of my presence, but a lot of work I do not know how to do, but only imaginary and learning to imitate, and get with the East is almost as good as the knitting knitting knives, a lot of times the results of the work of the laughing stock, was criticized by the leadership. How do I hope an old comrade to bring myself ah.

Specifically for each position, each bank, really is quite different. Rural commercial banks are generally female employees 47 years old, male employees 52 years old implementation of the internal retirement; industrial and commercial, agriculture, construction, the Bank of China, a lot of forty-five years old comrades are still in the conscientious front-line positions tirelessly hard work. Our unit of old comrades only one is still in the branch to do the governor, older work is quite serious, that is, the performance does not go, the strange poor.

The reason why state-owned banks have a large number of old comrades still "occupy" the counter, first of all, fewer outlets, staff mobility is not big, administrative positions are also the same large staff, and secondly, the number of recruits each year is very small, such as our county a year industrial and commercial, agricultural bank to two people, sometimes do not want to people can only let the old guy struggling to support it. And the agricultural credit system generally recruiting a large number of people, every year is dozens, a hundred to be, of course, can be young on, old down.

To get ahead, regardless of age, or look at the business, skills, the bank is the enterprise will not let you rely on the old, can do more work can also be reused. Not long ago, a leader told us that our first president is to take part in the city's skills competition in the answer to a masterpiece - press the answering machine, the city who can not press her, so all the way to the clouds. There is a specialty, there is a skill, the leadership think is available talent, mediocre even if the old as long as the retirement age, on the counter smile service it!

Many people to the bank, will see from the counter window to the hall service, almost a colorful, booming tide of beautiful boys and girls, it would be strange, the bank's employees do not live forever, where the older employees go? In fact, the answer is not complicated, the following to the big talk.

Because the bank is a more special enterprise, both can be said to belong to the financial industry, but also can be said that a window service industry, so as the front desk personnel are generally to the staff below 40 years of age, not only the workload of the front desk fast-paced, but also involves the overall image of the industry, so for the forty-five year old staff generally have two kinds of diversion:

The most important older employees We often go to the bank outlets, generally only engaged in deposits and wealth management and other business business organizations, in fact, the bank has a lot of middle and backstage departments, just we do not understand.

First, many banks will focus on credit business in the first branch for the establishment of the Department of the company (public credit) and the Department of personal loans (private credit), due to the old staff through the trials and tribulations, marketing ability, business familiar with the experience of the grass-roots level to do a few years after the transfer of such a mid-stage departments. Some banks, such as agribusiness banks have also set up large loan collection teams, which are also many old employees.

Secondly, the old staff transferred to the back office departments, such as risk management department, administration and personnel management department, safety and security departments, as well as the vault cash management, including the clearing of the cash and ATM banknotes and so on the logistical support work, this kind of work honestly is not too strong, the pace of the slower, the arrangement of the old staff is also a kind of humane care it.

Third, most of the bank's female employees in the social security treatment, are enjoying the treatment of workers, that is to say, the age of 50 years old will reach the retirement conditions, you can enjoy the old age. There are also individual male employees in their forties and fifties who have been promoted to leadership positions because of their strong work ethic.

Of course, there is also a phenomenon of natural attrition in various commercial banks, that is, leaving and jumping ship. In the increasingly competitive banking industry today, a young employee graduated from the campus to successfully do to forty or fifty years old is really not easy, because it is not a nursing home, not to mention the resort, the service every day to speak, the task of the month, what the white + black, 5 + 2 are commonplace, can survive, the ability to often have the space for promotion, or be dug out by others. The only thing you have to do is to find another job.

Iron plate water soldiers. The banking industry said that the appearance of bright, high salaries, many people crowded head to drill, once on board, is not as good as imagined, so the departure of jumping ship in today's banking industry has been quite common, "Iron Bowl" "from the end of the" concept of choice of employment has been The first thing you need to do is to get a good deal of money.