What is it like to be an employee of Bank of Communications?

The system, system and indifferent colleagues and leaders of the Bank of Communications really made me full of hatred, and once tortured me so much that sometimes I couldn't even control my emotions, and I often broke down and hurriedly went to find a place where no one was there and cried.

I think the company should give everyone a different feeling, and the reference should be different feelings, I just talk about my own feelings, before in the Bank of Communications, colleagues talked about the Bank of Communications when they were all complaining, now in the new company, colleagues talk about the company is all pride and pride.

When I first entered the industry, there were 24 people in our class, all of whom were lively and cheerful, and the last time I chatted with them on Tencent Tong, everyone became extremely negative.

As for the low income of the Bank of Communications, everyone in my city is well known. A young colleague male, single, was enthusiastically introduced by another sister, the woman is from the local rural commercial bank, but the woman said no when she heard that it was the Bank of Communications, and did not ask other conditions at all.

Many people say that the treatment is not good, I think this is unfair, the treatment of the Bank of Communications is acceptable, especially in the case of such a general environment, there is no excessive consumption habits, and the children of normal families usually use this little money is enough.

In the past, I thought that it was a decent job for a corporate account manager, but in actual work, I would still find that the Bank of Communications as a large enterprise has the common problems of state-owned enterprises, low efficiency, and de-capability, which is not to say that the Bank of Communications is not good, this may be the situation of all state-owned enterprises.

Talk about yourself, and after three months of sitting in the cabinet, you will be transferred to the post for authorization. The leader recognized my ability but felt that I only had the ability to do accounting. This year, I was asked to be the supervisor, and I resigned angrily after many consultations without results.

Bank of Communications Credit Card Nanning Branch, open all year round, fined money at every turn, the first month did not earn money, the fine paid a lot, and the income has not been sent to me.

Endless classes, endless training, endless exams, endless marketing tasks, and endless money deductions everywhere. Low pitiful wages. Less pathetic time for yourself. If you want to enter this trip, please think twice.

Everyone thinks that the Bank of Communications should be a tall gold collar, much stronger than those of us who do projects.

Leaders get high salaries, and grassroots employees get low salaries, which can never mobilize the enthusiasm of employees.

I only know how to engage in high-quality service, and the performance cannot be improved, and it is not humane at all! Almost all of my colleagues who went on the same course as me resigned.

<>1. Income differences caused by economic differences between regions:

First-tier cities are significantly better than second- and third-tier cities, and coastal cities are also better than inland cities. For example, the average monthly salary level of first-tier cities such as Bank of Communications in Beijing, Shanghai and Guangzhou can reach 9-15k, second-tier cities in coastal areas can also reach more than 8,000, and second-tier cities in inland areas are at least between 5-9k.

2. Revenue differences caused by differences in the performance of business outlets:

For example, the income of the inclusive financial outlets of the Bank of Communications is lower than that of ordinary business outlets.

3. Income differences caused by different positions:

The account manager position is better than the teller position, and the corporate account manager is better than the private account manager.

4. Income differences caused by different positions and ranks:

The rank system of regular employees of Bank of Communications is composed of capital letters and numbers, which is divided into 10 levels, level 1 is the president of the head office, level 10 is generally grassroots employees and level 4 account managers, and fresh graduates who have just joined the Bank of Communications are generally level 9. The higher the level, the higher the income, for example, there will be obvious rank differences in the salary of tellers, **deputy supervisors, deputy supervisors, supervisors, etc.

Other benefits of Bank of Communications.

1. Five insurances and one housing fund:

It mainly refers to medical insurance, unemployment insurance, work-related injury insurance, endowment insurance, maternity insurance, and housing provident fund, which is deducted from the basic salary, and about 20% of the basic salary will be deducted.

2. Annual Tourism:

Performance is our food and clothing, good performance, going abroad, easy travel are free of charge from the company.

3. Working environment:

The choice of Bank of Communications outlets is generally surrounded by birds and flowers, fresh air and pleasant environment, so that you can always keep full of energy and work hard.

Bank of Communications is not the worst, it has a good reputation in the industry, and there are only a few people who think that Bank of Communications is bad.

Bank of Communications is one of the four major banks in China and has a high reputation. But non-performing loans have risen sharply, depressing valuations. In the past two years, non-performing loans have increased by 100 million yuan, an astonishing increase.

Among all the large A-share banks, this increase is the largest. It reflects that the Bank of Communications is facing a relatively severe historical problem in asset quality control.

1. Bank of Communications' service coverage is relatively wide: Bank of Communications has 235 domestic branches, including 30 provincial branches, 7 directly affiliated branches, 199 provincial banks, and a total of 3,270 business outlets in 239 prefecture-level and above-prefecture-level cities and 158 counties or county-level cities across the country. It has 7 non-bank subsidiaries, including wholly-owned subsidiaries BOCOM Leasing, BOCOM Insurance and BOCOM Investment, and holding subsidiaries BOCOM **, BOCOM Guoxin, BOCOM Life Insurance and BOCOM International.

2. Bank of Communications' business is relatively comprehensive: Bank of Communications' business scope covers commercial banking, trust, financial leasing, management, insurance, offshore financial services, etc.

Other introduction: 1. Bank of Communications' personal business includes: savings deposits, personal loans, foreign exchange services, financial planning, investment services, insurance services, convenience services, wealth management, private banking and other services.

2. Bank of Communications' small business user business includes: loan application, one-stop business development, business development, Zhuoye one-stop, investment and financing, tax financing, science and technology loan, hand-in-hand and Huinong pass, etc.

3. Bank of Communications' international business includes: interbank services, international business services, foreign exchange wealth management services and treasure-foreign exchange trading services.

Use special years to dissolve the burden of history.

On the good side, taking advantage of the special year of 2020, the Bank of Communications has turned out some of the historical baggage of the past and some things that were hidden in the past and brought them to the sun. From a long-term business perspective, this is not necessarily a good thing. From the perspective of the non-performing rate, the high level of the non-performing rate of the Bank of Communications occurred in the interim report in June 2020, and the non-performing rate soared from the interim report in 2019.

Also in the 2020 interim report, non-performing loans soared to 96.3 billion yuan from 75.5 billion yuan in 2019. It is not difficult to see that of the more than 25 billion new non-performing loans added by the Bank of Communications in the past two years, about 21 billion yuan occurred in 2019-2020. Whether it is affected by the epidemic or to resolve the historical burden, the more than 20 billion mines that should be exploded have also been exploded.

The salary is average, but there are subsidies, communication expenses, meal allowances, fuel expenses, travel expenses, etc., there are savings on holidays, and there is a year-end bonus at the end of the year. Although it is state-owned, it is similar in nature to other commercial banks. There is some pressure, especially from account managers.

Personally, I think the private financial sector is better treated. If there are resources or banks to allocate customers, corporate account managers are also good, general personal loans. The law and post supervision are not clear.

If you are a girl and your family is local, it is advisable for the cashier to get a good salary. However, there are many rules and regulations, there is no lunch break, and I have to go to work on holidays, facing various customers, and testing my endurance. Overall, it is very stable and pays well.

Extended information: 1. The salary is composed of two parts: basic salary and performance, mainly performance. First of all, it depends on the region.

Taking joint-stock banks as an example, they are usually divided into first-tier banks, second-tier banks, and fifth-tier banks. The classification comprehensively considers factors such as business development, market share, interbank lending ratio (between joint-stock companies), deposits and loans, middle income, and profits. Generally speaking, the first-class line is the best because they create the highest profits, while the fifth-class line is the worst.

2. Secondly, depending on the distribution of profits, as we all know, bank wages are pyramid models. The salary of the branch president is paid by the head office, but the performance of the leaders of various departments and sub-branches is determined by the branch itself, which will inevitably lead to the situation that the leaders must go first. Take the year-end bonus, for example.

Basically, if the profit of your branch this year is 15w, the branch president is 30000, the two vice presidents are 20000, the account manager and the sales director are each, and the remaining 5w is allocated to about 7 longan and account managers. If an account manager performs well, it may be above average, which is the harsh reality. As a result, the branch you are in, as well as your location, also determines how much you are paid.

3. Then there is your own level (referring to deposits), and bank deposits are still king. Often, in addition to the performance bonus, there are also rewards on the expense side. For our bank, a deposit of 100 million in a year can bring about 8w in fee rewards.

These 8ws are only expenses and are not included in performance.

4. In addition, the performance of the back office is stable, and it is usually the average of the entire bank. The front desk department fluctuates a lot. Depending on your organization, the high ones can be four to five times the size of the back office, and the low ones can be a quarter of the back office.

In addition, the concept of a branch decision-maker is also important. In order to increase profits, some leaders may reduce personnel costs and strive for promotion, so that lower-level soldiers will be persecuted. Some leaders get drunk and concentrate on business, so that personnel will be better.

Of course, these are just a few examples.

The benefits of the lobby manager and teller of the Bank of Communications in the first-tier city are higher than those of ordinary positions in general enterprises, but the probation period is half a year, and the monthly salary is about 6,000, but weekends are not weekends, and holidays must be rotated. All entry requires you to be a teller for at least half a year.

Salary in general, but there are subsidies, communication expenses, meal subsidies, fuel costs, travel expenses, etc., holidays will have festival expenses, year-end bonuses, although it is state-owned, but in essence it is similar to other commercial banks, the pressure is there, especially the account manager, I personally think that the private finance department is better treated, if there are resources, or the bank allocates customers, the corporate account manager is also good, personal loans in general. The law, post-event supervision and the like are not clear. If it is a girl, and the home is local, it is recommended to be a teller, and the treatment is also good, but there are many rules and regulations, many exams, and the public window is fine, but savings, no lunch break, must go to work on holidays, and in the face of various customers, there is a test of endurance.

Overall, it's stable and the pay is good.

Hello, Zhonggong Education is at your service.

The remuneration of banks and rural credit cooperatives is relatively very generous, generally in addition to the basic salary, there are also a variety of generous benefits, such as paid annual leave, in addition to the various insurances stipulated in the first regulation, additional supplementary public services.

Provident Fund, Enterprise Annuity, Supplementary Medical Plan, Housing Subsidy Program, etc., as well as various vocational training, such as new employee entry training, job qualification training, and foreign (overseas) training, provide personalized and comprehensive training for new employees.

Professional, long-term career development planning.

The treatment of each bank is detailed at:

Which bank should I apply for? The Salary of Major Domestic Banks Revealed".

If you have any questions, please feel free to ask questions from Zhonggong Education Enterprises.

Don't listen to that answer, teller?! Are you sure you have a destiny to retire? The traffic robot system will make you miserable, and the treatment is very poor, and college students will work as tellers and ruin their future. Anyway, I went in with a batch, and now I'm almost resigned.

It depends on which region.

There are many bank jobs.

Generally speaking. Banks are all right.

1. Not necessarily, depending on what contract the bank signs; Lobby managers can be permanent employees, temporary employees, or outsourced employees. If you are a teller, you must be a regular employee, after all, you need to have access to the bank's cash.

2. The lobby manager of the Bank of Communications is a professional assignment. It is mainly to guide, assist and inform depositors to handle non-counter (fill in **, guide ATM deposits and withdrawals, and guide the use of online banking) related business.

3. Pay attention to the language, don't conflict with depositors, if it's really difficult to deal with, ask the customer service manager for help.