Nanchang, the provincial capital city, is an ordinary person with no resources and no background. 20 13 graduated from a university, majoring in economics, and entered the state-owned bank with enthusiasm for the financial industry in the same year.
It may be that a postgraduate degree will have an advantage when applying for a job. After entering the same platform, the academic advantages will gradually weaken, all of which are based on ability, performance and emotional intelligence.
Whether you are an undergraduate or a graduate student, the first step to enter a bank is usually to work at the front desk. Unless you have a very big relationship, or there is a shortage of professionals in a position behind the bank, and your major is just right, then go to the front desk to exercise for a while.
How long you work at the counter is uncertain, depending on the president's career plan for you and your own ability. I was lucky enough to "come out" in less than a year and began to work as a lobby manager, financial manager and account manager in rotation.
There are still many talents in the bank. Don't feel how awesome you are. Doing some basic routine work in the early stage is actually laying a foundation for yourself.
But if you are a graduate student, generally speaking, you will be transferred if you work at the counter for at most one year. Then go to the background post. Compared with undergraduates or junior college students, the advantages of academic qualifications are still outstanding. After all, the trend of bank counter posts in the future must be downsizing and outsourcing to service companies.
Don't think that bank work is a white-collar job, nine to five. Only a few people who can wait until retirement or idle work can do it. Many times, you run around in a suit with a salary that doesn't match your imagination. It is common to go home at 90 o'clock every day when you are busy. If you start well, you can ignore the weekend.
In the internal promotion of banks, the access standards are generally not particularly high. At present, as long as undergraduates can participate in the competition, they will not even have no chance, which is why promotion is actually very difficult.
I have been working for eight years now. From the level, I am still an ordinary employee. I just walked all the way, from grassroots outlets to branches, and finally to provincial branches. I think this is still an ordinary employee. The most difficult step in a bank is to be promoted from an ordinary employee to a grassroots leader.
By my side, there are many people who are grassroots employees all their lives. Some of them were college students in those days, and a lot of them were promoted when they were young and promising. Some of them still have on-the-job qualifications. Whether you can be promoted or not depends mainly on your ability and the resources behind you.
In the final analysis, education is just a stepping stone, which can be used as a plus item, but it is by no means a decisive factor. Education can prove that your learning ability is good, but it doesn't mean that you can do a good job in management positions.
If you have always been a bottom-level employee, you should reflect on what went wrong with yourself, not just because of your education. In my opinion, we can consider these aspects.
1, reflect on whether you are suitable for the culture of the bank or not. If you can't participate, you will be very passive at work, so you should consider whether to change industries.
2. Look at the advantages of the people promoted around you, what kind of people the leaders like, and see what shortcomings they have. For example, if they don't have enough academic qualifications, they can take another MBA-like graduate student and think about whether they can correct their shortcomings and learn from excellent people.
3. Analyze how many people are waiting in line in front of you, and how the seniority in the bank is, and reflect on whether you should spend your youth here in a possible uncertain future.
Along the way, I have to stop and think about how hard it is.
My sister's best friend entered the bank as soon as she graduated, and worked as a teller for one year and as a company account manager for two years.
Once at dinner, I talked to her about the bank. She works hard to achieve her performance goals and is busy every day.
She has been working for three years, and at the end of the contract, she found the job boring and less challenging. Let's talk about her income.
She is a manager mainly engaged in personal loan business. As an account manager, her salary is around 8000 yuan.
They will get a commission from the loan. In other words, if you ask her for a loan, you will get a commission, and that commission will not be much, maybe around 1%.
She said that when helping customers with loans, customers sometimes give her benefits, such as some customers who need money badly.
If you do well, a bank account manager will not be less than 500 thousand years old.
My sister, a best friend who has graduated for three years, can now get about 350 thousand a year.
It is difficult for fresh graduates to enter the banking system, because the bank requires them to graduate from relevant financial and economic majors.
My sister said that through these years of exploration, I have seen through all kinds of life in the bank.
At first, I studied counting money, Chinese input and mechanical work of keyboard.
Sometimes it is very resistant, especially when you are in a bad mood, and you have to smile at the guests.
I realize that it is not easy to make money. This industry needs time. After a long time, you can learn a lot. When you get to the middle and high level, you will have the right to speak!
I am an example. I just graduated and entered a bank, a state-owned branch in the county. My salary is starving, but there is no hope of buying a car or a house.
Banks really care about interpersonal relationships. I started as a cashier, and I still do. But all the colleagues who came in together went to the counter, and now they are the backbone of the office (director of the preparatory office). This is a matter of two years. Then watch the newcomers come from behind, and then get physically and mentally exhausted and marginalized in the tedious work day after day in the cash area.
The bank works a lot of overtime, and there is nothing urgent, just don't let you rest. It is common for you not to rest for ten and a half days. Often tired, just want to sleep after work. Then the ass is also in a particularly low position, and it is common to have friction with customers. These habits are good, but really everyone can tell you what to do. In their eyes, it is really just a robot, with no breathing, no relatives and friends, just working endlessly like artificial intelligence, ready to stand by.
Of course, the above is just a situation without a background. If the relationship background is hard enough, it will be like a duck to water. You don't need to listen to the arrangement of the leader, but the leader will curry favor with you. You don't need to worry about business mistakes, because someone will clean it up for you, and you don't need to worry about career promotion and interpersonal relationships, because opportunities are always for you and everyone is looking up to you.
So, before you go in, consider your own situation.