The paper reporter Chen Peizhen
Some young people working in banks are trying to escape.
Up to now, the super chat "Did you resign from the bank today" on Weibo has more than 86 million views and 17,000 posts.
In August of this year, a WeChat screenshot of Xiamen International Bank Beijing Branch recruiting new employees complaining about “being slapped for not drinking the leader’s toast” caused netizens’ resentment on the Internet.
At the same time, it is another autumn recruitment season for banks.
The autumn recruitment of banks is in full swing. Fresh graduates who want to enter the bank still have to face layers of screening: online application, primary election, written examination, psychological test, interview, and some bank interviews even exceed two rounds.
The school recruitment interview questions of several state-owned big banks have also been frequently searched recently: in addition to math and English questions, the school recruitment of state-owned big banks also tested Yangshao Culture, Galileo Satellite, Fuchun Mountain Habitat Map, gears and levers. Theoretical knowledge, how to stop bleeding...
The bank seems to be a besieged city for young people: people in the city want to come out, people outside the city want to go in.
confused
Li Man has been working in a listed city commercial bank for 3 months.
At the end of 2019, she graduated from a QS top 100 university overseas.
The step-by-step job search was delayed by the sudden epidemic, which caused her to arrive at work in July this year.
She got two offers from banks, one from a branch of a large state-owned bank and the other from a branch of a listed city commercial bank. She finally chose the latter.
"The branch of a large state-owned bank is my hometown (the capital of a second-tier city), and the city commercial bank branch is located in a first-tier city. I now prefer to work in a first-tier city." Li Man said.
The recruitment process of banks includes online application, written examination, psychological test, interview and final interview, but there are also slight differences among banks.
For example, when Li Man participated in an interview with a large state-owned bank, he was one-sided, but the interview with a city commercial bank was indeed a group interview.
"The state-owned big banks only conducted one round of interviews, and the city commercial banks had three rounds of interviews, including a signing meeting." Li Man said.
Speaking of the reasons for choosing to work in the bank, Li Man said: "My parents feel that the bank's work is relatively stable, and the epidemic situation is too long, and I feel that I am losing value. I also want to try the bank offer."
In the past few months after entering the bank, Li Man became busy.
There are regular morning and evening meetings every day, and sometimes there are some meetings or training on weekends. The bank also arranges for newly recruited employees to take relevant financial qualification certificates.
Li Man still feels no pressure on his current work in the bank, because before the end of next year, Li Man and his peers who entered the city's commercial bank through school recruitment are still in the bank's "protection period": the indicators for not completing the work are in accordance with the minimum guarantee. The salary is paid and the assessment pressure is relatively small.
Once the "protection period" has passed, Liman's salary composition is the basic salary plus commission, and the basic salary is much lower than the guaranteed salary.
"Perhaps the pressure will come when the time comes, so let's watch it when the time comes." Li Man also seemed a little confused about the future.
Wandering
One of the most popular job search websites for college students, the forums of the Fresh Student Job Search website often asks such questions as "Why do so many people say that it is not good to be a bank, but still so many people want to enter a bank?"
A netizen in the post said: In addition to civil servants, banks are the first choice for careers.
Some netizens said: Among financial institutions, securities, investment banks, and fund companies may have higher income than banks.
However, it is unstable, the risk is high, and it is more tiring.
Some netizens also describe bank work as "decent" and "compared to other jobs without professional restrictions."
Unlike Li Man, Wang Lu, as a recent graduate of this year, gave up an offer from a major state-owned bank and chose to join the investment banking department of a securities firm.
Wang Lu graduated from a 985 college in Central China and graduated from a QS top 100 university overseas.
The state-owned bank she applied for has undergone online application, written examination, and 2 rounds of interviews.
"The first round was a group interview, and the second round was a many-to-two interview. I was still very nervous in preparation before each round of interviews because the pressure of competition was still quite large." Wang Lu said.
In early March of this year, Wang Lu received an offer from a major state-owned bank.
However, she was still doing an internship in the investment banking department of a brokerage firm and could stay as an intern.
“The bank’s job is stable, the salary is decent, and the benefits of the state-owned bank are also good. So I was also entangled whether to continue my internship at a brokerage firm.” Wang Lu said.
In early April, the investment banking department of a securities firm gave Wang Lu an offer, and Wang Lu finally gave up the offer from a major state-owned bank.
"At that time, I thought about it carefully. If you choose to go to a large state-owned bank, you need to work at the grassroots level for 2 to 3 years to have the opportunity to compete for promotion to a branch. There is a lot of uncertainty in this. The investment banking department of the securities firm headquarters and the bank branch offer For comparison, I will definitely choose the investment banking department of the brokerage headquarters." Wang Lu said.
Lost
Although she took an offer from a major state-owned bank, Wang Lu was still a person outside the city of the bank, and her experience with the bank was only about participating in bank recruitment.
Li Man, who was still a little confused when he first entered the bank, still remained in the "stable" atmosphere created by his parents.
However, for those young people who have been in the bank for more than a year, some of them slowly break the old stereotype of "decent, high salary and stability" of the bank and try to escape.
Fresh graduates enter the bank through school recruitment. Except for professional and technical personnel (IT, law, administration, etc.) or highly educated (doctorate, out-station postdoctoral) recruited by the head office, generally will not arrange counter internships. Other positions such as management trainees recruited by the head office , New employees in branches may have a period of teller experience.
This teller experience is reluctant for many young people who are new to the workplace.
Zhang Chao has worked in a listed city commercial bank for more than 13 years. He told The Paper: “It’s not news for those who graduated from Peking University and Tsinghua University to work as a teller and answer customer service calls. At the moment, the deconstruction of the banking business and the decline of personal initiative, newcomers Will do some repetitive and simple things, which is very boring for newcomers, and young people may not be comfortable when they first enter the bank."
The talk show actor House talked about his experience as a bank teller in the recent hot "Talk Show Conference".
He used a joke to describe his life as a bank teller: being a bank teller is very hard, facing the customer at the counter, and the customer dared to say anything when he was angry. The most excessive time a customer told me "you have What is the qualification to go to the toilet? Even if you pee at the counter today, you have to take care of the matter.” As a bank teller, you think we receive many customers, but in fact, we don’t. We receive a lot of cash and need to count the money; you know How dirty is it to count money in that confined space? If you turn on the money counter, there is a thick layer of renminbi powder inside. I feel that every money counter is cleared and then put together. In theory, it can Spell out another one or two thousand dollars; when we order a day’s money for a day’s work, we can suck another ten or twenty dollars in our nose, so every old employee will get chronic rhinitis; the outlets have been busy for more than half a year for an evaluation Excellent, nothing is left if one makes a mistake.
House said at the talk show that he used to wear diapers to work, but for people who work as tellers, this detail is funny but true.
One of the netizens in Weibo's "Did you resign from the bank today?" commented that the reason he wanted to resign was "nephritis caused by not being able to go to the toilet and drinking water."
Another netizen commented below: I am a kidney stone.
pressure
In the Weibo super chat "Did you leave the bank today", there are more discussions about salary.
Li Man also told The Paper: “In fact, the most important thing for banks to retain people is salary.”
A Weibo netizen posted on this Chaohua: I’m always thinking now, I’m better off going home with naked resignation. Although I don’t make money, I don’t spend any money. Earning three thousand a month, renting more than one thousand, and making ends meet every month.
Under this Weibo, another netizen who works in a bank commented: Only worse, and posted the October employee salary that he received on October 13, which was 2514.06 yuan.
Zhang Chao told The Paper: The salary posted is still real.
This may be the basic salary, no or very little performance commission, or deductions due to lateness, etiquette, complaints, etc.
Regarding the wages during the protection period mentioned by Li Man, Zhang Chao said: The protection period is also theoretical, and some non-performance assessments may still deduct money.
An employee of a certain joint-stock bank told The Paper: The bank where she works is not so low for new recruits, and the first year's annual salary is at least 100,000 yuan.
However, the turnover rate of young people in her bank is relatively high.
She said that among the new graduates, only about 50% can stay after one year.
The reason is that she believes that compared to the repressive working atmosphere of banks, the traditional work system with obvious hierarchical concepts, and the assessments assigned to individuals, dynamic Internet companies are more attractive.
However, for fresh graduates, she feels that entering a bank is a good thing. "After all, banks belong to the financial industry. In the long run, they have a good view of income and growth."
Under these excessive words, in addition to salary treatment, the reasons mentioned for wanting to leave the bank include: high assessment pressure, overtime, encountering difficult customers, and excessively demanding branch leaders.
In the eyes of many people, banking is a "nine to five" job.
But with the development of technology, banks and Internet companies have a so-called overtime culture.
"Did you resign from the bank today?" Chaohuan's next Weibo netizen posted: Dear inmates, how long does it take you to work a day from work to get off work?
Excluding overtime, I am 10 hours.
The following Weibo comments have 11 hours and 12 hours.
Some netizens commented: I am a public teller. The morning meeting is at 8:20 in the morning and I can only leave at 8 or 9 in the evening.
In Zhang Chao's view, this may be one reason why young people want to leave the bank: this is actually affected by the Internet culture.
After the rise of the Internet, especially the development of Internet finance, the pace of work and time has changed from nine to five. The corresponding pace of banks has become faster and the pressure has increased.
There are too many banks now, leading to a situation of financial surplus, and competition between banks in disguised form transmits pressure to newcomers.
get away
In May of this year, "post-80s" Ye Ling and Chen Liang became colleagues at a financial technology company.
It is worth mentioning that both of them resigned from the bank.
Ye Ling previously worked in a municipal agricultural and commercial bank, and was already the director of the sales department of a rural bank under the bank before leaving.
Chen Liang came here with a large state-owned bank and two joint-stock bank branches.
In 2011, Ye Ling joined a municipal rural commercial bank. At that time, her parents were satisfied with her job: stable and decent.
But when Ye Ling devoted herself to work and didn't have time to fall in love, her parents also began to "question" Ye Ling's seemingly good job as an outsider.
"At the time when I was working in a bank, the workload was quite large. I am not a very smart person myself. In order to complete my work, I have to spend more time at work, so I don't have too much time to spend." Ye Ling said.
The workload of the bank is large, and the meeting is evident.
Ye Ling said: At that time, the regular meetings were the morning meeting every morning, the weekly meeting every Tuesday, the full study meeting on Thursday, and many temporary meetings.
In addition to internal meetings, there are many external meetings, such as those organized by the People's Bank of China and the China Banking and Insurance Regulatory Bureau.
Regarding the issue of "the bank has many meetings," most of the bank staff interviewed expressed sympathy.
Ye Ling told The Paper that as a municipal-level rural commercial bank, the pressure of financial competition in the local city is still great.
"There are branches of large state-owned banks and joint-stock banks, as well as branches of small and medium-sized banks in other regions. Excessive competition and homogenized competition are serious. The consequence of this is that employees are getting harder and harder and their income will not increase significantly. "Ye Ling said.
The customer's incomprehension is also one of the reasons Ye Ling wants to leave the bank.
Once, she was scolded by customers at the counter because of the slow transfer process.
"Because many small and medium-sized banks or branches require feedback to the headquarters or management department for review of the process, so this will delay the time of the business itself. It is okay for customers to speak well, but if they are not easy to speak, anxious will kill you, because they I don't understand your system, I just think you are wasting her time." Ye Ling said.
Ye Ling's current colleague Chen Liang joined a branch of a large state-owned bank after graduating from undergraduate. It was also in this job that he met his current wife.
His position in a major bank in the country was an account manager, and his wife's position at the time was a teller.
Considering that it is not suitable for the two to be in the same branch, it happened that a leader of his big bank in the country was transferred to a joint-stock branch and invited him to go with him. Chen Liang resigned from a big state-owned bank and came to a joint-stock bank.
Originally, the leader of Chen Liang at a large state-owned bank promised him to take him to do retail sales, but after arriving at the joint-stock bank, the leader transferred him to the branch business department.
So Chen Liang only stayed in the joint-stock bank for less than 2 years before moving to another joint-stock bank.
In the second joint-stock bank branch, Chen Liang's position is personal loan account manager.
However, Chen Liang's bank arranged for him to do corporate loan assistance work, which led to Chen Liang doing corporate loans all year long.
At the end of the year, because Chen Liang's establishment was a personal loan account manager establishment, the line asked him why his personal loan task was not completed.
Chen Liang was deducted for "the mission was not completed".
In March of this year, Chen Liang completely moved away from the bank he originally worked in and came to work in a financial technology company.
Zhao Ping, a middle-level manager of a joint-stock bank, told The Paper that most banks lack a complete staff training system, which is a very important reason for young people to leave the bank.
Zhao Ping also put forward some of his own views: Banks must now have more detailed professional directions, such as specialized approvers, in terms of business, such as specializing in listed company sector business or pre-listed company sector business, so as to improve the bank In recent years, the supervision has become more and more stringent, and the supervisory department can also supervise the assessment of banks. They must not be profitable, but must also assume certain social responsibilities.
At the same time, young people must also learn to find what they are interested in and good at in the bank, and take the initiative to seek opportunities from their leaders.
"You are not even afraid to leave, are you afraid to fight for opportunities?" Zhao Ping said.
Zhang Chao, who has more than ten years of banking experience, said to the phenomenon of young people escaping from the bank: “From the perspective of managers, they all hope to use people without violating labor laws. Bank systems do not target Anyone. If you think the unit is good to you, give it a little; if you think the unit is not good to you, be stronger, learn something here, and use the platform to change jobs in the future."
Dong Ximiao, chief researcher of China Merchants Union Finance, put forward his own views on the term “escape from the bank”: the frequent flow of talents in the banking industry in recent years reflects more the deepening of the financial system and the rise of emerging businesses, rather than explaining that banks are “dead” .
For some young people who want to leave the bank, Dong Ximiao said that young people must have a clear understanding of the bank’s work and feel acceptable before choosing to work in the bank.
If you can’t find a job and then you can find a job, or if you have already understood and then found out that this is not the case, you will leave. This is actually very bad, because there is a certain time cost for young people.
The recruitment cost of banks is also very high, which will also cause certain losses to banks.
Of course, banks should also reflect on whether the job description should be clearer, and whether the training of talents or job arrangement should be fully understood by the young people who apply for it.
At this time, a new round of bank autumn recruitment has begun.
At the fresh graduate forum, the topic of "should enter the bank" was brought up again.
(Li Man, Wang Lu, Zhang Chao, Ye Ling, Chen Liang, and Zhao Ping are pseudonyms in the text)