Why doesn t the bank s business window open?

First of all, there is a misunderstanding in this problem, the bank business hall does not want customers to queue up in the hall, the most fundamental problem is because of the lack of manpower, after all, workers have the right to rest, especially the window clerks, they have to face a variety of customers every day, and deal with hundreds of things at most. It is unbearable for anyone to sit at the counter for more than ten hours and keep repeating similar or even identical words to every customer. In addition, the salary of the salesperson is not high, and he also looks at the qualifications.

Therefore, the counter clerk needs to rest even more.

When the counter salesperson is closed, it will inevitably cause some windows are not open, sometimes you look at the counter in front of someone, but the window is not open, that is the salesperson is resting, please do not disturb them at this time, after all, your business can be handled in ten minutes, but they have to sit behind the counter for a whole day.

Some people may ask, then why can't banks hire more employees? So please understand one thing first, the bank is also a profit-making institution, the essence of the bank is to use the customer's money to earn more money, so as to form social benefits, saving money, is just a project in the banking business. In fact, banks around the world want their customers to only deposit money in it, and not withdraw money out, although this idea is very absurd, but we don't have to complain about anything, this is like you want to spend money every day without working.

Since the bank is a profitable institution, then there will be losses, so the bank will find ways to reduce the losses. Cutting employees is also a thing, only the right amount of manpower can ensure the maximization of the company's interests, too redundant employees will only drag down the company. Therefore, the bank will not say that in order to serve customers, in order to allow customers to come and handle business, they will double or even triple the number of employees, and no company will do such a stupid thing.

So next time you want to go to the bank office to handle any business, it's better to go to the number as soon as possible.

As someone who used to be an intern as an assistant to a bank lobby manager, let me tell you about it.

Although banks have so many counters, they usually don't have a teller at every counter. And, a lot of times, tellers in banks don't just sit there and go to work all day, they have all sorts of things to do.

The bank I interned at was Bank of China. There were eight counters in that bank lobby, but in reality there were only four counters that were often occupied, and the other four counters were often empty, if not empty, and were suspended. Why?

Because they have other things to do. Sometimes I'm dealing with some internal homework, sometimes I'm in a meeting, and sometimes I'm too busy in the lobby outside, and I'll run out to help.

And. The tellers of the bank often have to participate in the training tasks and assessment tasks assigned by the above banks. So, they often have to take turns to take the test, so it's easy to understand that there are often empty windows.

I was particularly impressed by one time, when the president asked me to help a few tellers inside do some online exam papers. At that time, they had to do their homework after the training, but they were very busy during that time, either at the counter or on the way to the training, so the president asked me to do it. At that time, I thought to myself, this is too, and I actually asked one of my interns to do the teller assessment question.

In the final analysis, it really is not that people have to wait in long queues, but that there are not enough personnel. In the case of insufficient manpower, it is normal to close a few counters. Besides, in fact, banks really don't care much about how long customers have been waiting there, after all, the banks in our country still have a relatively poor sense of service.

The windows for external business are opening less and less, there are obviously 3 to 5 windows, but only 1 or 2 are opened, which has become a very common phenomenon in many banks, and the waiting time for customers to handle business has not decreased significantly because of the diversion of self-service channels, which is caused by many factors. As a senior banker, let me answer your questions:

First, bank outlets will reserve a few more service windows when designing.

In addition to very small financial service points and community banks, ordinary bank outlets will retain at least three service windows when they are built, and even some large bank branches will involve 5 to 8 service windows, but whether each window will be used after normal use depends on the actual situation.

Second, banks are changing from service-oriented to marketing-oriented.

In the past, bank employees would wait at home for business to come to their doors, whether it was longan or a loan officer, so they didn't have to worry about customers coming to deposit or take out loans. However, in recent years, due to the impact of Internet finance and the economic downturn, banks have gradually realized the crisis and scattered their employees for marketing, and there are naturally fewer people staying at home to do business.

Third, the substitution rate of e-banking is gradually increasing.

Originally, customers could only go to the bank counter to handle business, and now with the popularity of e-banking, the vast majority of business customers can handle it without leaving home, and the number of customers who come to the bank is significantly reduced.

Fourth, there is no service window for external business, and it may be busy with other business.

Especially when the Spring Festival is approaching, many units have to pay wages to workers or pay financial compensation, etc., this kind of agency business is also very urgent, because many people are waiting to get money to buy New Year's goods for a good year, so some bank employees have to be arranged to deal with this kind of business, which leads to a reduction in the service window for external business.

To sum up, the reduction of banking service windows is an inevitable trend in the future, and the number of physical outlets will gradually decrease. Judging from the current reality, the vast majority of business can be handled through self-service machines or electronic channels, everyone must learn to accept new things, blindly handling it on the counter is a waste of time and energy, it can be said that it is very cost-effective!

Because many businesses can be handled online, cash business is now very small, and opening too many windows is a waste of resources, so there will be fewer and fewer windows.

Because many bank businesses have been electronic, they can be handled on mobile phones, and some of the business is also placed on the machine in the bank hall, so there is no longer so many windows.

Why are so many people queuing up to do business, and banks are always only open for one or two windows?

Nowadays, the development of the network has reduced the need for people to go directly to the bank to handle business, so there are only two windows, and now everyone can operate the banking business on mobile phones or computers, which is very convenient.

Because with the progress of social science and technology and the development of the Internet, more and more banking services can be handled online without the need to go to the bank in person, so only one or two business windows are opened to handle some special business or deal with some elderly people.

Because they are now more intelligent, many businesses can be handled at mobile banking or bank self-service counters, so there is no need to find a manual window to handle it.

Because there are fewer people going to the bank to do business. Nowadays, online banking is very convenient, and many businesses can be handled directly online, and people don't need to run to the bank often.

Complex business is the slowest, such as wealth management business, loss report card replacement, corporate business, etc.

Banks are so slow to do business, and opening a few more windows is to consider the cost.

As a business, banks have to consider input costs. Hire one more person, one more salary. Working in a bank, the bonus for joining a month is about 6,000.

In addition, five insurances and one housing fund, long-term investment in wages will increase the bank's income. The recruitment of a bank is also subject to layers of approval, and the procedures are very troublesome, rather than being decided by one person. If one day, the bank layoffs are even more troublesome, and it is all about the regular employees who let them lay off.

Among the staff recruited by the bank, because it is a special type of work, they must be familiar with a certain banking business, and if they are not familiar with it, they must also undergo further education and training, and it may take half a year to become proficient in business work. To open an extra window, it is necessary to add equipment and facilities such as banknote counters, printers, etc., and to reinstall and debug, which will take a certain amount of time and cost.

Let's understand the current situation of slow banking business and dig out the real deep-seated reasons.

Of course, it's because of manpower problems! Each bank has a number of tellers every day, how many windows to open are regulated, every month the branch will first pass the plan to the local head office to confirm, the head office will be according to the plan to send how many comprehensive cabinets, every once in a while to change one, the comprehensive cabinet will not be fixed in a bank, so it should be to prevent collusion with each other.

How many windows a bank opens every day are basically based on the instructions above, and on what basis is it determined? That's what they call estimated footfall.

The estimate is just an approximation, there will always be mistakes, when you feel that the bank is overcrowded, but only opened so few pitiful two windows, don't scold this branch, people can't do it, the president and director can't help you do business immediately, because they are not tellers, the professional level in the bank is very clear, and you can't cross authority.

Another reason is that it is just lunchtime, or some tellers go to the bathroom and walk away temporarily, so you can just wait a minute.

There is also a situation where the bank suddenly encounters a large customer, and his affairs are more urgent, so he may temporarily ask the people who are on the counter to come down to the VIP room to help.

Sometimes we see several people chatting at the counter, but we only have one window open and we wonder if we have only one window. In fact, this is not difficult to understand, as mentioned earlier, the division of duties and powers in the bank is clear, there are comprehensive counters, there are directors, etc., but they are only responsible for auditing, not for the counter, and they can't help if they want to.

After a few months in the bank, I know that the bank teller is also a very hard profession, and it is a high risk, a little carelessness will make a mistake, when you don't have to pay more to the state, you can only stick it yourself, and the air inside is very bad, one person has a cold, all people have to be infected, because they always count money, and their hands are dirty all day long....

Ma Yun didn't strike hard enough!