(1) The deposit interest rate of our bank is too low.
Bank staff know the deposit interest rate best. Bank staff also want to get higher interest on their deposits. The interest rate of their own banks is too low, so they can only deposit their deposits in other banks.
For example, the bank employees of the four major state-owned banks work in state-owned banks, but the deposit interest rate of state-owned banks is too low. Many bank employees' money is deposited in private banks and rural commercial banks, which can earn higher interest.
(2) Avoid the troubles caused by the supervision of employee funds.
The bank's rules and regulations are very strict, and employees' accounts are fully supervised to prevent employees from committing some illegal acts, and there will be irregular spot checks and personal reports. Bank employees are strictly forbidden to do so, and the requirements are particularly strict. Therefore, in order to avoid some troubles in their own banks, bank employees would rather deposit their money in other banks than in their own banks.
(3) Bank employees have no habit of saving money.
Although some bank employees deal with money, they all count it for others. They have no money at all. They are all moonlight people. If they want to deposit their money in their own bank, the point is that they have no money and can't help it. Or some bank employees know more about financial management. They never put their money in the bank, but invest in wealth management and buy other financial products as long as they have spare money. Therefore, employees of such banks will not deposit their money in their own banks, or even other banks, or have no money to deposit or invest in other banks.
So the above three reasons are the real reasons why bank employees don't keep their money in their own banks.
I often encounter this problem, which is why bank employees never deposit money in the bank. Actually, the meaning is very vague. Do bank employees not deposit money in the bank where they work? Or never put money in all the banks?
In fact, there are four reasons behind saying that bank employees don't keep their money in the bank:
First, most employees of the bank will deposit their money in the bank, and they will also deposit their money in the bank where they work. People who ask such questions actually know nothing about bank employees.
People who ask such questions actually don't know anything about bank employees. With many years of banking experience and understanding, in fact, most bank employees still put their money in the bank, especially in the bank where they work.
First, because every employee has a deposit task, although he doesn't have much money, he can help increase some deposits after all;
Second, it is convenient to deposit money in the bank where you work, so you don't need to go to other banks for deposit and withdrawal business, especially for large cash withdrawals, and you don't need to make an appointment in advance. Therefore, it is more convenient to have your own bank.
Third, you can put your money in the bank where you work, and you can choose some high-interest deposit products and high-yield wealth management products. After all, although there are no legendary internal wealth management products, you can get the information of wealth management products first, and you can buy them first.
Therefore, it is a misinformation that bank employees don't save money in the bank, and they don't understand the current situation of bank employees and the real situation of saving money.
Second, of course, bank employees will not put all their money in their own banks for two main reasons.
Although most bank employees will deposit their money in their own banks, they will not deposit all their money in the banks where they work. There are many reasons, the most important of which are:
First, banks have strict supervision over employees' capital transactions, especially the large amount of funds is very inconvenient to enter and exit. After all, banks are a special industry, and employees of banks have access to private information to a certain extent, but at the same time, they may also commit acts that infringe on public interests. At the same time, bank employees should abide by the anti-money laundering regulations of the regulatory authorities. In 20 18, the China Banking Regulatory Commission issued the Guidelines for the Management of Employees' Behavior in Banking Financial Institutions, explicitly requiring banks to investigate the abnormal behaviors of bank employees. In the past two years, the regulatory authorities have repeatedly investigated the behaviors of employees in banking financial institutions under their jurisdiction, including not only personal credit reporting and bank running, but also the participation of bank employees in high consumption, high-risk investment, high-leverage investment, personal account changes, private lending, illegal fund-raising, fund intermediary, private sales of flying tickets, illegal participation in business-run enterprises, and even whether bank employees make friends indiscriminately, frequently leave the country, participate in gambling, etc. Therefore, all banks monitor employees' fund transactions, especially the personal bank accounts of the banks where employees work. If the bank where they work has a lot of money in and out, they must explain or investigate. In order to avoid frequent explanations, bank employees generally make partial deposits in other banks to facilitate the exchange of funds for some economic activities. This is also an objective fact.
Second, some bank employees will have small coffers for various purposes, which seems to have become a possible phenomenon for all industry groups, and it is not only bank employees who have small coffers. The deposits of family members in this bank are easy to check, but those in other banks are not so easy to check. This is also a family reason.
Third, some bank employees can use their own funds for higher-yielding places, such as high-interest deposits and high-yield financial management in other banks.
The profit-seeking nature of deposits is also a very important reason. Whether it is deposit or wealth management, the deposit products of other banks may have higher interest rates and higher returns than the banks where they work, and the deposits of bank employees also need to improve their returns.
Therefore, if the deposit interest rate of other banks is higher than that of the bank where they work, bank employees will naturally not give up the opportunity to obtain higher returns in order to express their loyalty to the bank where they work, but will put part of their deposits in the deposit products of other banks with higher returns.
Similarly, if the yield of other banks' wealth management products is higher than that of this bank, bank employees will also buy part of the funds of other banks' wealth management products, thus achieving higher wealth management income.
Fourth, many bank employees invest in stocks, bonds, funds, foreign exchange, and some people invest in real estate, and certainly will not deposit all their deposits in the bank where they work.
Because most bank employees are financial professionals, they are early contacts and investors in the stock market, bond market, funds and foreign exchange. Relatively speaking, they have more investment experience than ordinary depositors, so it is inevitable to invest some funds in the stock market, bond market, funds and foreign exchange or even gold.
It is more convenient for bank employees to invest in real estate because of their convenient work. Therefore, some employees will increase their real estate investment, because they have to repay the loan, so their deposits will be less. There is no deposit in this part because there is no money.
It is misinformation that bank employees don't save money in the bank, which is not true in reality. But the above four reasons will affect the bank deposits of bank employees in their own work, and even affect the deposits in the entire banking system. Do you have any money in the bank? (Qi Jian)
Who said that bank employees no longer deposit money in their own banks? This question is a bit biased.
Whether bank employees will deposit their money in their own banks depends on different bank regulations.
Some banks are very strict, and our employees really don't want to keep their money in their own banks. Bank employees are groups that directly deal with customers. If you relax a little, you may misappropriate customers' funds or participate in illegal fund-raising, which will bring risks to banks. Therefore, in order to prevent such risks, banks will have some regulations that are explicitly forbidden to employees.
For example, it is strictly forbidden to misappropriate or steal the funds of banks or customers, to deposit and take them in vain, to pay and allocate them in vain, to transfer the funds of banks or customers with personal accounts, and some banks even prohibit employees from running enterprises through business. In order to prevent bank employees from violating the rules, many banks regularly monitor employees' personal accounts, especially those positions that directly deal with money are more likely to be targeted by the regulatory authorities.
Once the bank finds that there are some abnormal behaviors in employees' personal accounts, such as sudden large transactions, such as account day trading, etc. The internal supervision department of the bank will talk to the employee and ask about the ins and outs of the funds.
This regulatory measure makes the personal accounts of bank employees equivalent to being exposed inside the bank. How much money is in a personal account and how much money is withdrawn is clearly regulated. Therefore, for the sake of safety, many people generally don't put their money in their own banks, and they are not free at all. They prefer to deposit their money in other banks so that they can't find out.
However, in order to cope with the deposit task, most bank employees usually deposit money in their own banks. At present, the pressure of deposits in major banks is very great, and deposits are the top priority of all branches. In order to complete the deposit task, major banks will assign the deposit task to individuals, whether it is the account manager or the background, it is possible to assign the deposit task. Moreover, these deposit tasks are often linked to personal performance. If the deposit task is not completed, the bonus may be deducted or even not paid.
In order to complete the deposit task, employees in the bank will not only deposit their own money in their own banks, but also sometimes pull the deposits of relatives and friends around them.
Many employees don't keep their money in this bank. I think it's more because they have no money. On the surface, the bank looks like a tall job, but it is also a place where the gap between the rich and the poor is very large. Different banks, the same bank in different cities, even different positions in the same city, or the different nature of the same position, the wage gap is very large.
For example, there are some joint-stock banks or city commercial banks at present, and the per capita annual salary has reached 400,000 to 500,000. The money that some ordinary grassroots employees of state-owned banks get in some third-and fourth-tier cities is estimated to be around 4,000 to 5,000 a month. The money is probably barely enough for my own expenses. If there is a mortgage loan, it may not be enough, so where does the money come from?
So many bank employees don't put their money in their own banks, more because they are poor!
I want to say, as for why some employees of the bank never deposit their money in the bank, I understand that there are several problems:
First, it stands to reason that bank employees should deposit their money in the bank. As a grass-roots employee, if you can only earn a few dollars a month and live only, how can you have spare money to deposit?
Second, because bank executives earn hundreds of thousands of millions a year, it is impossible to put a lot of money in banks from all aspects, whether it is investment, fear of revealing wealth or evading supervision.
Third, the current business of banks is not only deposits, but also wealth management, insurance, foreign exchange, gold and other businesses. Bank employees themselves have very heavy task indicators, and many people have invested their savings in task indicators.
Fourth, from the perspective of national regulatory authorities, banks themselves and big data, supervision is very strict. The deposits of bank employees are subject to supervision at any time, and they will be held accountable if they are not careful. Therefore, employees should try not to deposit money in banks to avoid supervision and accountability.
Fifth, most bank employees, because they have been engaged in financial work for a long time, have more contact with customers and have a sense of financial management and investment. So they put their limited money into it, and it is impossible to keep it in the bank for a long time.
Sixth, the current bank deposit interest rate is low and the yield is too small. As young customers, they seldom save time, but only stay in the bank for the convenience of mobility. Time deposits are only deposited by older customers, let alone bank employees.
Not having your own bank is a bit much. In reality, most bank employees keep their money in their own banks, and even ask relatives and friends at home to open accounts together. It's all about finishing the performance. After all, performance involves salary grades and performance, so bank employees basically keep their money in their own banks.
The rules and regulations of banks are extremely strict. For example, it is forbidden to lend employees' personal accounts, cross-bridge financing for customers, and pornographic gambling. It is forbidden to do business or run enterprises; Part-time jobs and temporary jobs are strictly prohibited. In addition, major personal events should be reported every quarter.
Although banks monitor employees' accounts, the remittance of small funds generally has no effect. For large funds, if there is a report on major issues in advance, as long as it is reasonably matched, it will generally not be written in person.
You said in your notes that "the investigation is too strict, and my mother has to explain the situation when she transfers money to me." If there is no accident, your money will not be large or small, and the bank will not focus too much on three or two thousand dollars. I turned around several times, but I didn't find out the money of 30 thousand or 20 thousand. At present, the most severe case for banks to investigate and deal with is the case of having funds with credit customers and cashing out large amounts of credit cards, especially the first case, which found that the punishment was increased.
Basically, as long as you have normal capital transactions and no irregularities, your own bank can't be idle to check on you every day. After all, human resources are limited, so most employees still have their own banks. For example, my current funds and those of several good colleagues around me are basically in my own bank.
As a financial worker, let me talk about why bank employees don't want to keep their money in their own banks. Various rules and regulations within the bank: for example, it is forbidden to transfer and collect customer funds with personal accounts; Gambling, business, business, etc. Is strictly forbidden. These rules and regulations themselves are to avoid the risk of employee photos, but now banks will set up special departments and have professional systems to strictly or even excessively supervise employees' funds.
Give me some chestnuts. Because the bank in my city is not a first-tier city, for a financial worker like me, after deducting five insurances and one gold, I will definitely want to do some other small businesses. So he made a purchase with his foreign girlfriends and often presented it on our bank card on WeChat Alipay. After a month, the supervisor in charge of employee funds will call. Because my best friend needs to use foreign currency abroad, I made a foreign Western Union remittance (that is, foreign currency remittance) in our bank. Minutes after the result was submitted, I was asked to check the reason of remittance and the relationship with the payee, and then refused my business. 3. I work after I get married and have children, and my mother is helping me with my baby. I think I should also transfer some money to my mother every month. After a few months, the transfer was put forward by the system, and then the staff of our bank supervision department asked me what the relationship was with my mother and why I transferred money at a fixed time every month. Then tell me that it is ok to transfer money in the future, not at a fixed time, not at the same amount. This is our colleague's chestnut. My colleague had just entered the business at that time. The little boy is more playful and likes to go to the internet cafe to brush the night. As a result, he once ran out of cash in the middle of the night and needed to take a taxi home (at that time, WeChat Alipay payment was not popular now), so he went to the nearest atm to withdraw money. As a result, he was also criticized by name for this matter. Every time I talk to bank leaders, I ask, are you still playing games in the Internet cafe?
Under such excessive supervision, do you think you dare to deposit your money in your own bank? Therefore, colleagues have opened other bank cards, and all the wages will be transferred out as soon as they are paid.
I don't think this is necessarily true. Whether bank employees choose to deposit their money in the bank or in other places is a matter of proportion, which has nothing to do with whether they are bank employees or not.
First of all, bank employees are also divided into tellers, wealth managers, lobby managers, branch presidents, presidents and higher-level leaders. Different incomes have different ways to choose deposits. Moreover, the way of deposit is also determined according to everyone's different requirements for risk tolerance and income.
Secondly, bank employees, as practitioners in the financial industry, have much more financial knowledge than ordinary people and are very familiar with their own banking products. It is not excluded that some employees choose other financial products for high income. More people with strong risk tolerance will invest in funds and stocks. Employees with average or poor risk tolerance will naturally choose their own bank financing or deposit.
Finally, bank employees are ordinary people, and they also rely on their wages to support their families, but their financial awareness is stronger than others. Ordinary employees must have a stable income in the choice of deposits. If his bank deposit is safe and secure, why not?
(Qingxi)
This sentence reflects part of the truth, indeed. But to correct it, it is not that money is never deposited in the bank, but it is definitely only a short stay and will not be deposited in the bank for a long time. Even if you deposit in the bank, you will generally choose high-quality products and never deposit, otherwise you will save money and money.
Undoubtedly, as a bank employee, compared with ordinary people, he must have asymmetric advantages in financial knowledge and information, including the theoretical basis of financial management, the use of tools and the familiarity and mastery of products. Take myself as an example, the daily salary and bonus income naturally stays in the bank's salary card, and sometimes it will be in the current state for a short time, but when it accumulates to a certain amount, it will be arranged.
In the 1990s after the reform and opening up, there was a stock market boom in China. By chance, I contacted a friend who was engaged in stock trading and joined the stock market. As a result, I accidentally rolled my principal several times, which is the first bucket of gold in my life. In 2000, I decisively reduced my position and bought a house. That year, I easily won a big house with a total amount of more than 100 square meter, and there was still some balance. Around 2005, stock funds were hot. At first, in order to complete the task, our bank was afraid to buy it. We tried every means to get a customer to buy 20 thousand, and it became 40 thousand three months later! The opportunity has come, and our feelings coincide. So, Man Cang entered, and two years later, its capital doubled again. In 2008, I decisively bought a car with a price of more than 65,438+10,000. I am the youngest of my brothers and sisters, but I was the first to buy a car, even though they are all civil servants.
In the next few years, we all know that the stock market and foundations have ups and downs. If we are not careful, we may be stuck, and the determination to leave will gradually form in our hearts. 13 bought a shop with a square meter of 100, and then mortgaged a house, leaving little idle funds. However, the monthly rent of 8,000 yuan is enough to pay the monthly payment, without any pressure or balance. In the next five years, because there are too many uncertainties in the stock market, the fund will not intervene again. The fund will only make fixed investment, and the rest are wealth management products, and it should be close to 5% yield. Why? Because I know it and I know it well, I can trust it. The money was put in the bank, because the amount was not enough and there was no suitable project for the time being, so it was temporarily put in the bank. To tell the truth, if there is a suitable project, I will not hesitate to intervene. Of course, I'm not superman. I won everywhere, but I lost, so I'm still worried. I think the financial calendar of my investment management should be similar to that of many peers.
Speaking of which, maybe everyone understands. As a bank employee, I deeply understand the necessity and urgency of financial management. Putting money in the bank is only a temporary accumulation, waiting for the opportunity. Our financial vision is not limited to platform financial management, including bank financial management, but also includes more other investment and financial management methods. There are different financial hotspots in different periods, and different people have different investment and financial preferences and different risk tolerance. When you realize these truths, anyone, including bank employees, will actually find that there is really not much money in the bank. I don't know how to realize the freedom of wealth if I just put it in the bank for financial management!
First of all, I don't know where this conclusion comes from and whether it is accurate. As a financial manager of a bank, I myself, including my colleagues around me, mostly buy bank products by myself, because I am familiar with my bank products and can manage my assets better.
As for saying that some bank employees don't deposit their money in the bank, I think there are the following possibilities:
First, banks will monitor employees' accounts to prevent abnormal transactions between bank employees and customers and abnormal transactions of funds. In order to avoid these or reduce unnecessary troubles, these bank employees assigned themselves to other banks.
Second, in order to manage money, get higher income. Compared with people in other industries, bank employees pay more attention to their own capital and wealth planning. Because they are experts and know more about finance and investment, they will never let their money idle. Put it in other banks, or deposit it in banks irregularly, which is better for financial management. For example, gold and silver are hot recently, and the precious metal trading in our own bank is not very good. I may choose other banks to do this part of the transaction. Credit cooperatives or some small city commercial banks, in particular, only have deposits and part of the loan business, but no wealth management, funds, precious metals and other businesses. In order to get better income and better financial management, these employees will choose other banks.
This problem can't be understood by outsiders, and only bankers can deeply understand the helplessness! There are two main reasons: too strict supervision and inspection, storage business needs.
Supervision and investigation are too strict for outsiders to understand. Every account of every bank employee is automatically monitored by the system, and every transaction, regardless of the amount, is monitored. When there is a fund relationship between employees, employees and customers, especially loan customers, the system will jump out of the risk warning, and the internal control department needs to send someone to verify and write a report to explain the situation.
How strict is it? Just give a few examples and everyone will understand.
1. Transfer between peers and relatives, check!
For example, if you and your dad are both in the same bank, you may transfer hundreds of living expenses, thousands of house purchases and tens of thousands of house purchases to each other, and you will be investigated! Even if the whole world knows your blood relationship, but the system ignores it, anyway, the risk warning will pop up automatically, which means you must write a report.
2. Transfer between employees and customers, check!
This customer is a customer in a broad sense. As long as it is not an employee, it is a customer. So if your father is not an employee, then he is your client. If your dad is not a loan customer, it is no problem for you to transfer hundreds of thousands to the other party. However, if the transfer amount is large and the frequency is frequent, the risk warning will come.
3. Check the transfer between employees and credit customers! ! !
Benefit transfer is most likely to occur between employees and credit customers, so this is an aspect of special investigation!
For example, your father works in a bank. You bought a house or a car and need a loan. In order to contribute to your father's performance, you borrowed money from his bank. Suddenly one day, you need some money temporarily, so ask dad to give you some money first. As soon as he transfers money from the bank account to you, it's over. This is the capital relationship between employees and credit customers! Continue to write instructions.
For another example, if you work in a bank, suddenly one day your friend asks you to borrow some money temporarily and wants to turn around, or if there are other things, he will help you out first and you have to pay back the money. As a result, people happen to have a loan in your bank, but you just don't know it. You directly transfer money from our bank account, and then you have a financial relationship with credit customers!
4. Transfer money between colleagues, check it out! ! !
Colleagues sometimes borrow hundreds of dollars from you for emergency use. When you don't have cash, you change your bank account, and the label of "financial relationship between employees" is deducted again. Is there an endless explanation? ! !
Therefore, the "fund relationship" strictly investigated by various systems is not easy to be recruited! How dare you use our account?
Some employees who need storage business do have mines themselves or at home. As for where the mine came from, it may be accumulated by ancestors, it may be personal efforts, and it may be a sideline. In short, from leaders to employees, anyone who has money is basically afraid to directly exist in his own bank. First, he doesn't want to tell others about his family. Second, the first point mentioned above, it is too difficult to use some money, so arrest him in minutes.
Usually, they will choose to buy high-yield wealth management products from other banks, or negotiate the cost of monthly deposits with the leaders of other banks. The money in your bank should be earned on the cutting edge.
For example, at the end of the month, the end of the season and the end of the year, when I need to make some achievements, I will transfer the money from other banks back to my own bank. Of course, it is not transferred to my own account, but generally to my family's account. It can also be said that this person is my big customer. See how much money I can pull back at once. Not only can you complete your own storage business, but you can also ask for time fees in the name of others. This is how smart people play.