Is it better to be a big five bank or a joint stock bank?

Generally speaking, the salary of joint-stock banks will be higher, but joint-stock banks have no restrictions on majors, so compared with the five major banks, the online application of joint-stock banks is relatively easy, the number of questions is much less than that of the five major banks, and the requirements are more than 430 points, and other joint-stock banks rarely have four-level requirements.

There will be certain restrictions on majors in the recruitment of the five major banks, and the five major banks all have the condition of English level 4 except for the Agricultural Bank of China, and the China Minsheng Bank among the joint-stock banks.

Difference Between Joint-Stock Banks and State-Owned Banks.

Bank campus recruitment will be carried out in September every year, many guys still have such questions, whether it is better for me to go to the five major state-owned banks, or to go to the joint-stock commercial banks to have more development prospects? Jiangxi financial people tips: In fact, it depends on your own personal situation, your own positioning and future development direction to decide, which does not necessarily say which is good or bad.

In a word, whether you have thought clearly about your own life plan!

Is it better for fresh graduates to apply for the five major banks, or is it better for joint-stock commercial banks to have more development prospects?

In the examination of the five major banks or commercial banks, many candidates will be entangled in the provincial branch or the city branch, in fact, the early entry is in its branch, the provincial bank, the head office has so many positions, management trainees are in rotation to accumulate work experience, what is good is to understand everything, what is not good, you will do anything, and regardless of whether you are a bachelor's degree or a master's degree, basically to the bank to do the counter first, and then it depends on personal opportunities, maybe one day to turn to the marketing post (account manager).

Fresh graduates don't know how to decide on the banking profession because they are not familiar with its internal work development process, so I will talk about it for you so that you can have a general understanding.

First of all, the difference between the bank teller post and the initial contact business level. The characteristic of the big bank is that there are many customers who take the initiative to find the door, so your main energy will be on doing business, and you will understand how a lot of business is going on and how to do it; The small bank has relatively few customers who come to the door, and the main energy is used in marketing, how to please uncles and aunts, the so-called communication and marketing ability. Marketing is based on your understanding of customer needs and problem-solving methods, so that you can do it well, not just rely on a mouth to fool customers.

Secondly, in the career development path of large and small lines, many people also have a misunderstanding, thinking that the big line climbs slower and the small line climbs faster, which is not very accurate. To be precise, it should be: the big bank has a smaller chance of getting promoted, and the smaller bank has a better chance.

The difference is that if you don't have outstanding skills or background, you may not be able to climb up the ladder, no matter how big or small. A small line does not mean that you can go up after a long time, you also need background, performance and opportunities.

I can only say that you don't know much about the so-called "small banks", especially CITIC is not a small bank at all, and its state-owned enterprise color is no less than that of the Agricultural Bank of China.

In terms of level, the big bank is always one level higher than the small bank. If you have worked in a large bank for more than 5 years, if you can grow well, as a business backbone, there are many examples of jumping to a small bank to be a middle manager. But when it comes to Xiaoxing, in fact, you have to climb up a little bit, the difference is that you don't have any advantage when you jump out.

At present, there are a total of 12 joint-stock banks in China, namely China Merchants Bank.

Shanghai Pudong Development Bank, China CITIC Bank.

China Everbright Bank, Huaxia Bank, China Minsheng Bank, Guangfa Bank, Industrial Bank.

Ping An Bank, Zheshang Bank, Hengfeng Bank, Bohai Bank.

Among the 12 joint-stock banks, both in terms of profitability.

In terms of word-of-mouth, China Merchants Bank is the best.

Let's start by comparing the profitability of 12 banks.

The chart below shows the performance of 12 joint-stock banks in 2018.

Judging from the data released by major banks in 2018, China Merchants Bank has operating income.

The net profit or asset scale is the largest among the 12 banks, and the operating income is nearly 90 billion yuan more than that of the second place Industrial Bank, and the net profit is also 12.5 billion yuan more.

Among the 12 banks, in addition to the non-performing rate maintained by Zheshang Bank, China Merchants Bank is the second lowest non-performing bank, as of the end of 2018, the non-performing rate is only, which is much lower than the industry average.

Moreover, at present, China Merchants Bank's profitability is not only stronger than that of the other 11 banks, but its profit in 2018 even exceeded that of Bank of Communications.

Ranked fifth in the country.

Therefore, from all aspects, China Merchants Bank is currently the most profitable of the 12 joint-stock banks.

Let's take a look at the reputation of 12 banks.

The specific reputation of the 12 banks is strong, we can compare it with customer service capabilities, customer evaluations, brand influence, etc.

The chart below shows an institution's survey of some of the major banks in the market in 2016Customer satisfactionThe results of the survey

It can be seen that China Merchants Bank ranks second after Minsheng Bank in terms of customer satisfaction. However, three years have passed since 2016, and China Merchants Bank has greatly improved in terms of product innovation and customer service, so if we do a survey like this in 2019, I think China Merchants should rank first in customer satisfaction.

The figure below is the 2018 China Commercial Bank ** Comprehensive Service Level Ranking

After considering other channels, I think that China Merchants Bank can at least rank among the top 2 in the country in terms of digital banking services.

The chart below shows the World Bank in 2019.

In the brand value ranking, China Merchants Bank rose from 11th last year to 9th, ranking behind the four major banks among domestic banks.

Therefore, after taking into account various evaluation factors, China Merchants Bank is still in the first place among the 12 joint-stock banks in terms of word of mouth.

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China Merchants Bank, Minsheng Bank, Huaxia Bank, Everbright Bank, China CITIC Bank, Shanghai Pudong Development Bank, Ping An Bank, Industrial Bank, Guangfa Bank, Zheshang Bank, Hengfeng Bank, Bohai Bank, etc.

The 12 joint-stock banks include China Guangfa Bank, China Merchants Bank, China CITIC Bank, China Everbright Bank, Huaxia Bank, China Minsheng Bank, Shanghai Pudong Development Bank, Industrial Bank, Ping An Bank, Zheshang Bank, Bohai Bank and Hengfeng Bank.

Jiutan Jiansenda joint-stock banks include China Merchants Bank, Shanghai Pudong Development Bank, Minsheng Bank, Ping An Bank, China CITIC Bank, Everbright Bank, Huaxia Bank, Guangfa Bank and Industrial Bank; Joint-stock commercial banks are a type of commercial banks, and joint-stock commercial banks have become an indispensable part of China's commercial banking system.

Among the nine major joint-stock banks, China Merchants Bank became the first bank established by a state-owned enterprise, and was officially listed on the A-share market in March 2002. In August 2005, China CITIC Bank was renamed from CITIC Industrial Bank and its headquarters was relocated to Beijing, becoming the second bank to be established by a state-owned enterprise.

Ping An Bank, formerly known as Shenzhen Development Bank Rangmu Bank, was renamed Ping An Bank on February 5, 2007. The head office of IB is located in Fuzhou, and it was officially listed on the Shanghai ** Stock Exchange on February 5, 2007. Guangdong Development Bank was established in September 1988 and opened a branch in Macao, becoming the first joint-stock commercial bank to open a branch overseas.

China Everbright Bank was established in 1992, completed the shareholding reform in January 1997, and was listed and traded on the A-share market in 2010. Shanghai Pudong Development Bank was established in August 1992, on December 19, 2000, Minsheng Bank was officially listed on the A-share market, and on November 26, 2009, Minsheng Bank landed on the H** market.