How about working in a bank? Is there a future?

Banking is a decent profession with a good physical environment and relative stability. As the general institutions are relatively large, as long as you are strong enough, there is a lot of room for improvement. However, the bank is a very seniority-based industry and experience is very important, so don't expect too many promotion opportunities in the short term.

The main difference between banks is state-owned banks and joint-stock banks. Generally speaking, the per capita income of state-owned banks is relatively low, the interpersonal relationship is complex, and the bureaucracy is strong, but the pressure is small and relatively stable. The per capita income of joint-stock banks is high, but because income is linked to performance, the income gap between different assessment performances is large, which easily leads to psychological imbalance; The interpersonal relationship of joint-stock banks is relatively simple, but the work pressure is high and the stability is not as good as that of state-owned banks.

Competition between banks is fierce. Although banks have repeatedly emphasized professional marketing and professional services, financial products and services are easy to imitate, which leads to strong homogeneity among banks, so relationship marketing must be dominant. Therefore, if you have a high education, but your income and status are much lower than those with connections, backgrounds and no education, don't be out of balance.

For students who lack social resources, the better departments in the bank are about human resources, financial planning and risk, and these departments have greater power. In these departments, it is conducive to cultivating contacts or learning core skills, and it is also conducive to career development.

From the perspective of personal development, we can choose three routes: management, technology and market. Management means taking the administrative route. If you have strong comprehensive quality, leadership potential and are good at dealing with interpersonal relationships, or you have a good backer, you can choose to take the administrative route.

To do business, you don't have to be professional, but you have to be knowledgeable, with special emphasis on macro thinking. In interpersonal relationships, we must be able to cultivate good friends from different departments, or an interest alliance, which is very efficient when dealing with things. The most important thing is to be good at seizing opportunities and showing yourself in front of leaders. In short, taking the administrative route, the importance of relationship handling definitely exceeds business ability.

Technology not only refers to computer-related technology, but also includes risk assessment, product development, scheme design, counter business ability and so on. For people with excellent professional quality, who don't like or are not good at making relationships, or who have no background in various markets but have academic qualifications, it is more suitable to take the technical route, which is very professional and the salary rises rapidly. At the same time, they have mastered the core skills, and they can find delicious food everywhere, which is also very reassuring.

The market route basically refers to the position of account manager, which may be the hardest and perhaps the easiest. If you have nothing to do with exploring the market, you need to endure both mental and physical devastation: mental stress, full of tasks, smiling at customers' dirty eyes, unable to make an evaluation at every turn, and unable to solve the problem of food and clothing even when you leave. If it does, the situation is completely different. If you put your savings in the bank with 100 million yuan, the leader will treat you as an uncle and dare not offend you. You don't even have to go to work, and you can get high pay all day long. This is especially obvious for joint-stock banks, and the situation of state-owned banks may be slightly better.

As a person who has worked in the banking system all his life, I answer this question back and forth.

I think it is still a very good choice for students majoring in finance to enter the bank through campus recruitment or other means. At present, it is not a golden rice bowl, at least an iron rice bowl; As for the future development, it depends on personal efforts and opportunities. As long as you work hard, there will always be opportunities.

I just don't know which bank the subject is talking about. If you haven't decided which bank to go to, I suggest you choose five state-owned commercial banks first, then joint-stock commercial banks, and finally local small and medium-sized commercial banks.

But you should be prepared and have the spirit of hard work, because you usually start from front-line business positions, such as accounting positions and credit management positions. In short, it's not a bad thing to exercise after doing a few more postures.

Moreover, I have several suggestions: First, consult my colleagues who entered the business before you humbly, strive to get familiar with the business and enter the role as soon as possible, adapt to the work, do what you do, love what you do, and strive to become a business expert and top; Second, seriously think about the business you are engaged in, study while working, try to find problems from your work, put forward problems, and then put forward improved or constructive business suggestions, so as to promote the construction of the internal control system of banks and become an outstanding and great talent. The future is coming, and you will get promotion opportunities soon. Third, make your own career plan, ensure the goal of phased efforts, eliminate the mentality of muddling along and becoming a monk, and strive to make gains every day and make progress every year. Fourth, financial knowledge is updated quickly. We should constantly strengthen our study, strive to participate in various business trainings, constantly recharge ourselves, constantly improve our competitiveness and adaptability, and grow into excellent financial management workers.

Share my experience. I graduated on 20 12 and joined the bank. I started as an account manager and gradually became a backstage official. 20 12 due to the economic upswing, the life of banks is still very easy. Although I often work overtime, the overall economy is on the rise, the credit demand is relatively high, and the non-performing rate is low, so the salary is good. However, after entering 20 15, with the economic downturn, the NPL ratio rose, such as the emergence of P2P and internet finance, which had a huge impact on the traditional banking industry and the income was not as good as before. Therefore, personally, it is better not to join the bank. If you are interested in the financial industry, you can try it. The monopoly era of third-party financial companies or internet-related financial companies and banks has passed. At the moment of industry reshuffle, there are still many opportunities for a series of third-party financial companies like Shanghai Pulan Finance. However, the platform is very important when choosing. You must choose a larger and more formal company when you first enter the company, so that you can learn something and meet people and things at different levels. Don't care about the income level in the early stage, but focus on accumulating personal resources and experience, which will benefit you for life. I hope my answer can help you, thank you.

I entered the business this summer vacation and intend to resign. Among the four major banks, Centennial Bank, you will know which one it is. Postgraduate degree, exam, and now I want to resign. There is a lot of pressure, and the focus is on extremely low wages and general salary cuts. In first-tier cities, urban-rural fringe, the quality is extremely low, always want to fight with businesses. Working overtime all day, old employees discriminate. Without any freedom, I feel like depression. Those who really like this business can consider doing it. If there is a good one, you can consider something else. This business is really not easy. There are many related families.

Many people say, alas, your bank is really glamorous and decent. I righteously answered no, we are not in the bank, we are in the bank, and they are not idle at this time. Ask, do you earn a lot of money a month? I said you can eat and wear warm clothes, that's all.

I am an undergraduate majoring in accounting. When I just graduated, I felt that I was the top gun. Submit resumes, interviews and written tests everywhere. My initial wish was to work in a bank, and I invested in all four major banks. When I was young, I would be naive. In contrast, a girl in our class knows better. When people entered the last round of interview, they directly stuffed the supervisor with 5w, and finally successfully entered a bank. And I finally got into a joint-stock firm in my hometown. This is more than four years.

Let's talk about the salary that everyone cares about most. Because I work in a joint-stock commercial bank, I am responsible for my own profits and losses, and my salary depends entirely on the marketing efforts of various outlets. In the first two years, he was assigned to a remote area, with little welfare and no performance pay. The basic salary is 2000+ after deducting five insurances and one gold. In the last two years, I transferred to a well-developed outlet, and the tasks assigned by the head office were basically completed every month. The basic salary plus performance salary is 6000+, and there is a bonus for completing the task. Just now, I calculated the salary and bonus for next year, which adds up to 10w. My monthly expenses include mortgage, children's milk powder, car maintenance, household subsidies and so on. I have little money to buy other clothes and cosmetics.

Let's talk about the job prospects. At present, major banks are recruiting people almost every year. Both undergraduate and master students were at the grassroots level when they first came in. It is basically wishful thinking to start as a teller and get promoted and transferred through your own efforts. Unless you have a rich and powerful father, you will be slaughtered at the front. In March this year, the head office made some personnel transfers and transferred several new young employees to the head office. This incident touched my colleagues who have worked at the grassroots level for four or five years, including me. Under the same conditions (education, major), we have contributed four years of youth at the grassroots level, and we have four years of work experience, but we can't compare with a powerful father.

I have been a grassroots king for 4 years and I know the hardships of front-line work. Many people who came in with me basically stuck to their original posts. Teller post is a job that a junior high school student can take up after one month's study. I really haven't learned anything in these four years, but I'm regressing. As a student majoring in accounting, apart from having passed an intermediate title when I first came in, I have become more and more numb in the past two years, and accounting has been abandoned. In addition to hard indicators such as assessment figures, the head office also pays close attention to service and safety. In terms of service, it is required to stand up and welcome guests. No matter what you have experienced, whether it is the pungent smell of passbook or RMB, the black dirt under your nails, the smell of tobacco or leek, or the man who throws anger at you from other places inexplicably, you should keep a mechanical smile, explain and listen patiently, lest people be unhappy, and you have to accept a notice from the head office and the bad face of the branch director. In the past four years, this system has tested your patience every day, but servility has been cultivated. The customer has really become a god, and you are just a little longan who won't say a word even if it is someone else's fault. Do you think that 360-degree high-definition monitoring without dead ends is to monitor customers, no! They are used to monitor employees. There are always spot checks and various inspections. Banking Regulatory Bureau, People's Bank of China, Head Office, internal audit and external audit shall be fined in turn. When you don't wear a headdress, you forget to lock the cash box when you are in a hurry, when you have a bad attitude, and so on.

Many people have left their jobs. Basically, they are single people who are full of food and the whole family is not hungry. People like me who are married and have children are still struggling.

For young people who have just graduated, salary is really unimportant. What matters is career development prospects and recognition of one's own value. College students have been engaged in accounting work in first-tier cities since graduation. From the initial small accountant, the days were tight, and the rent had to be maintained by borrowing friends. Now, the CFO has increasingly rich accounting theory and experience. Needless to say, the annual salary is definitely rising. This year, she and her husband also bought a house of their own. Compared with her, I am so sad that I am going downhill. Time to wake up. I'm going to try to get a senior title this year, and then I'll quit my job. After all, I am still young.

15, the campus was recruited into CCB, and after half a year, the internship period ended and he became a full member. Today happens to be the end of the year. Calculate that 20 16 is either social security accumulation fund or something, or 65438+ 10,000 yuan. However, my outlets are better, and the business volume of newly opened outlets is not much. It's no problem to support yourself. As for the wife's family, it depends on the elderly. If you don't find a relationship, it is estimated that you will stay in Guiyuan Port for two years.

I can't bear to answer your question. I worked in two banks after graduating from college, from teller to assistant to president. Don't worry too much about the future of any job. First, do a good job in the present. In this bank, people have my advantages, and people are superior to me, so the opportunity comes. Don't haggle too much, don't care too much about gains and losses. You will always come. Learn to be wronged first, and then grow into a bank. Come and go, the shortest time 1 week, until the old employee who has worked for more than ten years resigns. Whether you are good or not depends on whether you can adapt to this working mode and environment. Listening too much will disturb your mood.

I am a history undergraduate in 1980s. After graduation, I wanted to be a teacher or engage in library management, but I was mistakenly assigned to a state-owned bank because a local bank needed a secretary badly. As we all know, in the 1980s and 1990s, bank clerk was a job that many people yearned for. Everyone treated them to a meal except breakfast (I'm not greedy, I can't shirk most of the meals). At that time, township enterprises mushroomed, cigarettes were generally smoked in vain, and many fruits such as oranges and bananas were sent by others in baskets (the prices of these things were not very cheap at that time), and the wages were much higher than those of my college classmates. However, I got tired of this job over time, because I like literature and history, and banking is a boring job for me; Moreover, on the surface, state-owned banks are "self-financing", but in fact they still eat from the same pot and get more for more work; The intrigue between leaders often puts me, an ordinary employee who works beside leaders, in trouble. So my mood was very unstable, and the bank leaders gave me a lot of transfers: I worked in the office, the administration department, the accounting department and the savings department, and finally took charge of the security department (at that time, the cadres of the bank security department were trained to carry guns, usually "May 4th" or "June 4th" pistols). But this can't calm my floating heart. Finally, I took the opportunity to "escape" from the bank and enter a public institution. Although the salary is less than one third, I think it is still very cost-effective; However, I have worked in a bank for 12 years, and my youth has passed away. Up to now, I have accomplished nothing! Having said that, I just want to express this meaning: no matter what kind of career suits you, there is a future; Not suitable for you, even if it is "radiant", it will end in a bleak end. Confucius said, "Don't be careless"!

Banks are legally established financial institutions engaged in monetary and credit business, the main body of modern financial industry and the key hub of national economic operation. In fact, for many financial professionals, banks can be said to be their most willing to enter the unit.

In recent years, banks in China have experienced a golden period of development. The scale of deposits and loans has grown rapidly, the profitability has been greatly improved, and the non-performing loan ratio has continued to decline. In the meantime, although there has been poor development, it has been getting better and better after continuous adjustment.

And because of the rapid rise of China's network industry, online banking has also developed. The technical foundation of online banking makes it have flexible and powerful business innovation ability, which can not only extend and improve traditional business, but also appear new business such as online payment. Therefore, while traditional banks support the rapid growth of online banking, online banking will also promote the sustainable development of traditional banks.

In a word, the banking industry still has great development prospects in the future. So working in a bank now is actually very good and has a bright future. With the enhancement of people's financial management concept, more and more people know how to use their idle funds to buy some financial products to increase their capital. With the acceleration of social capital circulation, the bank's business is also increasing, and it needs constant innovation.

Therefore, if you really want to enter the bank, then you must study hard to improve your education and comprehensive ability in all aspects. Because there are certain conditions for working in a bank, that is, some hard standards that you must meet. For most good, large-scale and well-known banks, their requirements for academic qualifications are quite strict. If you specify a master's degree, you don't need to consider the foundation below the undergraduate course. In addition, CET-4 and CET-6 are absolute hard standards.

Moreover, we all know that the employment competition is very fierce now, especially in such a popular occupation as the financial industry. So the most basic thing for you is to have an advantage in academic qualifications, otherwise it will be difficult for you to enter the bank. Also, even if you work in a bank, you should keep learning and consult your predecessors humbly in order to have a better career development. In short, a good job must be obtained through our continuous efforts!

Do you think it makes sense?

After graduating from undergraduate course, I worked for two years, and then studied for three years before entering a state-owned bank. According to your question, different people have different understandings of the future. For example, some people think that being the president of the head office has a future, while others think that being the deputy director at the grass-roots level has a future, so I will try my best to describe the work here, hoping to answer your questions.

In fact, state-owned banks and joint-stock banks are very different. Although I have heard a lot about joint-stock banks, based on the fact that practice is the only criterion to test the truth, I will mainly talk about state-owned banks. We assume that you are a graduate of an ordinary family, and everything starts at the grassroots level, because if you are a senior leader or have hundreds of millions of savings resources, you don't have to answer this question, and it is definitely promising. But if you just ask this question, it still means that you are confused.

Although the state-owned banks have to participate in fierce market competition and the pressure on deposits is relatively high, they still follow the set of rules within the system as a whole, whether it is clear system requirements or hidden rules. You have to understand here that whether you have a future depends entirely on your leadership. Then the question comes, how can we stand out and get the appreciation of the leaders? If you answer that you work hard or study business knowledge seriously, you have already lost at the starting line. As a newcomer, I will be curious about all kinds of business. For example, it is quite rewarding to learn financial statements for the first time, but after a few years, you will come to the conclusion that there is nothing valuable to learn at the grassroots level, and they all operate according to the policy requirements. The difference in level is only proficiency, so both doctors and high school students can learn these knowledge, and they can't distinguish between people. Then what can distinguish people? Let's say the answer directly first, that is, the ability to mix interpersonal relationships, the ability to express themselves, the skill of dancing, and the ability to kiss up. You may think that newcomers will have a process to understand these things, but many colleagues who compete with you don't need this process. For example, when you first entered the business, you were studying hard, while the other one was drinking and joking with his colleagues and bosses all day or taking part in various business activities. In the first two months, you may think you are excellent, but after half a year, you two have almost the same understanding of the business. But in the face of complex problems, he can ask for help everywhere, but you can only say that you can't solve them. In the eyes of leaders, he can not only solve problems, but also get along well with colleagues. He can not only stop the wine for the leaders on the wine table, but also participate in various activities to earn honor for the industry. At this time, when you two compete for higher positions at the same time, he will fail at both ends, and everyone knows him. Do you think the leader should choose you or him? Although you can do what he did, you didn't do it.

So, I think the above words should answer your question. The question is not whether the bank has a future, but whether you have a future in the bank. Now you have to look at yourself, whether your personality is introverted or extroverted, whether the values formed by your childhood growth experience can flatter you calmly as an actor, and whether you have the capital to stand out. If you are really the down-to-earth type, I advise you not to enter the bank. If you are flexible, talkative and playful, you still have a bright future.