The purpose of asking about your opinion on CCB in the interview is mainly to test your language organization skills, and ultimately: whether you have carefully observed and understood CCB’s business. My main idea is to talk about what good ideas you have, what good suggestions you have for CCB's services, what advantages CCB's services have compared with other banks (don't say more or even shortcomings), and finally express your willingness to join. In such an excellent team, *** can create brilliance and so on. . . . . .

Banks, insurance and securities are the troika of the financial industry. For the country and society, they all play the role of financing and investment. However, from the perspective of individual customers, there are many differences. , let’s start with a simple analysis one by one here today.

We personally deposit money in the bank and become the bank’s savings customers. The bank pays us a certain amount of interest, which completes our personal investment process (pursuing interest) and the bank’s financing process (obtaining funds). right to use). The bank lends the deposits of savings customers to individuals and businesses in need of money. This completes the bank's investment process and the lender's financing process. The bank collects interest from the lender to obtain profits, after deducting the interest paid to savings customers. , the bank’s own profits are obtained (gross profits without considering other expenses and taxes). Interest spread is one source of profit for banks, but it is not the only source. For example, the current five-year bank deposit interest rate is 3.6%, while the loan interest rate for more than five years is 5.94, with an interest difference of more than 2 percentage points.

Because bank interest rates cannot withstand inflation in the long run, the interest income from actual deposits is negative. In other words, it has depreciated (purchasing power has decreased, and the use value has decreased). For example, in 1980, a person with 10,000 yuan was a very wealthy person. At that time, it was called a "ten thousand yuan household." If this person had been depositing 10,000 yuan in the bank to earn interest, nearly 30 years later, if the annual interest rate is 6 %, it’s about 48,268 yuan including principal and interest (calculated based on transfer every five years), nearly five times. In 1980, our family spent 1,000 yuan to build four tile-roofed houses in the countryside, which means that 10,000 yuan can build 40 tiled houses. But today, it costs about 40,000 yuan to build four tile-roofed houses in my hometown. In other words, if we insist on depositing money in the bank for 30 years, it is equivalent to saving 40 houses into 4 houses. The horror of inflation (devaluation) can be seen in general.

Short-term deposits in banks are the safest, while long-term deposits are the most dangerous. The main pursuit of depositing money in a bank should be safety (it won’t be lost, it’s more suitable than at home, and it still has some interest) and liquidity (it’s easy to access), rather than profitability (because interest cannot withstand inflation). So an expert in Taiwan described the concept of banks this way: Banks provide a place for those who can’t make money to save money (savings), and let those who can make money use our hard-earned money to make money (loans), and there is no need to say Thanks.

Banks are the benefactors of lenders, not depositors.

Banks follow this principle for their loan customers. When you have the ability to repay, they desperately want to lend you a loan. If you can't repay the loan, they will immediately collect the debt and take away the collateral. To put it simply, it is either the icing on the cake or adding insult to injury. For example, if a person borrows 10 million to buy a villa, and suddenly dies in a car accident after repaying 3 million, if his family cannot repay the debt, the bank will take the house away without mercy. You cannot forgive the unpaid part out of sympathy and pity, because In that case, the bank is not responsible for its savings customers and will go bankrupt sooner or later.