Bank Staff Exposure: If You Want To Turn Around, You Need To Deposit 36 Million Yuan.

How many bitterness and sadness behind the bright appearance, under the pressure of various indicators and competition, the salesmen of the bank are overwhelmed. Since this year, the Bank senior staff and employees have been "Alexander".

Is a bank practitioner really "unattainable" in a career that everyone envied, with a high salary that can not be expected?

The financial weekly newspaper reporter went deep into the front line to conduct a field investigation of credit card salesmen and pull employees, and to develop a vivid picture of the survival of the employees at the bottom of the bank.

Of course, they are just a drop in the ocean.

Case 1: credit card account manager: 30 cards with a basic salary of 1000 yuan.

Liu Bing (a pseudonym) is a credit card marketer of a large shareholding bank in Shanghai, Southern China. You can hardly imagine that although he has worked in this industry for only half a year, he has "

Liu Bing is 38 years old, a native of Shanghai.

He has just been in the office for less than 3 months, but he has already mixed up in this circle.

He claims to know the directors and staff of several bank credit card sales department, among which he is the most familiar director of credit card marketing of Societe Generale.

According to Liu Bing, his bank has almost 100 credit card salesmen in Shanghai, which are divided into 10 groups, with 10-15 people in each group.

They do not belong to the staff of the bank.

The credit card sales staff of the bank have a probationary period of two months, and if they reach 30 cards a month, they will be employed.

"The average card output rate is 50%, so in order to reach the standard of 30 cards, there are at least 60 cards, or even more."

Liu Bing said that about 10% of the people who entered the same period of the same period did not meet the standards during the probation period.

"Such a level is good in the industry, and it has 30% of the index.

I have a friend who is a salesperson of Everbright credit card. He has worked in China Everbright for almost four years, and the monthly salary is almost 4000 yuan.

According to the regulation of the credit card marketing department of the bank, its salesmen need to report to the unit at 9 o'clock every morning, and have ten minutes of meeting each day to report the work of the previous day. Then the staff begin to run the customer and return the unit to the credit card application form in the evening.

"Not all teams meet in accordance with the rules, but the mood of leaders.

My present leader only asks us to do two times a week.

The salary level of this family is almost the same as that of GF, but when I was in GF, the team leader was very fierce and would be criticized if he did less, so I changed to the present bank.

Liu Bing said.

He also revealed that the base salary of the bank was 1000 yuan.

During the probation period, if you can reach 30 cards per month, you can get 1000 yuan on the basis of the base salary, which means the basic salary is 2000 yuan, plus the deduction of 15 yuan per card, almost 2450 yuan.

"After the probation period,

A Minsheng Bank credit card salesperson said their salary level was lower.

"The 40 cards are up to the standard, the 40-50 is 30 yuan each, 10 yuan for each card, the Commission is also increased by 10 yuan, the highest royalty is 60 yuan each."

Liu Bing came to his credit card sales department and found a mess.

Apart from tables and chairs, there was no equipment, and there were messy credit card applications on the table, and the performance on the walls was recorded.

Financial weekly newspaper reporter found that the current number of 40 standards is very few, Liu Bing said they are on the monthly 20 as the last statistical day.

In the face of the question "how can we do it only a week away from the last statistics day of the unit," Liu Bing laughed, "that's the hidden rule you don't understand.

It is not purpose to do much, but to get a high salary is the end.

"I signed a contract with my real name Liu Bing, and my name is on the wall.

In addition, another performance named "Zhang Yong" (pseudonym) written on the wall was also done by me.

Zhang Yong is my good friend, he has signed a contract to help me, the unit will help Zhang Yong pay three risks and one gold, but Zhang Yong does not go out to run the business, he just hangs a name here, the business is made by me, the money is taken by me.

If I do 90 copies a month, I will write 50 on my name column and 40 on his column.

So I can get two salaries.

If I did 50 copies this month, I would write 40 on my column and 10 on his column.

When the two can not reach the target at the same time, one must be preserved first, and the next one will be guaranteed.

Because one or two times fail to meet the target will not be dismissed.

Liu Bing's "intelligence" is not only here.

Not only does he divide two corners in a bank, but he also points across many banks.

In addition to the employees of the bank, he signed a contract with GF in another name.

"I also promoted the credit cards of other banks such as Xingye and Huaxia, and then sold them to credit card salesmen of these banks to help them complete their targets.

This person often buys me an application form of Huaxia Bank credit card.

Then he pointed to a man next to him and whispered.

Liu Bing said that credit card sales are mainly dependent on relationships, and there is nothing to do but sweep the floor.

At present, the credit card holders in urban areas are almost saturated. A marketing staff of Huaxia Bank credit card bought a second-hand car to carry out marketing work in conjunction with other bank credit card marketing personnel in order to run to the suburbs.

"To do all this hard work, we have no choice but to get money.

Like our bank, 80% of the employees at present use my method of signing a lot of contracts with one person, and they will soon be dismissed if they do not understand the way.

Our leader is clear, but he will not tell his superiors.

Case two: personal account manager, average daily balance of 4 million to 36 million, Fang takes 800 yuan.

Hunan people Liu Qing (a pseudonym) was once a loan client manager of a branch bank of a joint-stock bank in Xiamen.

In December 2009, Liu Qing, who received a master's degree for half a year, joined the bank.

"From January 2010 -6 months, I was writing full-time papers, and working overtime regularly was a regular meal with a salary of 800 yuan per month.

In April 2010, I was asked to leave for 11 days because of my thesis, and the salary was only 280 yuan in that month. "

Liu Qing said.

Liu recalled that at the beginning of 2010, the bank set up a positive standard for 4 million of these new savings deposits.

3 months later, the standard increased to 6 million.

At the end of June 2010, the bank classified Liu as a dispatched staff on the grounds of "shortage of formal staff places".

But the standard is still improving. By the end of 2010, 6 million had changed to 30 million, and personal savings and public deposits were OK.

At the beginning of 2011, the standard increased to 36 million.

"In fact, even those who reach the standard of correction are not always right.

For example, two female employees in our department, one has been qualified for one year, and the other has been qualified for half a year.

On the contrary, several new employees did not reach the trial period for 6 months, but they gradually turned right.

These lucky ones are either relatives of leaders or large resources, such as savings accounts for 70 million. "

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According to Liu, in 2010, the joint-stock bank vigorously developed personal business loan business, and issued task targets to all branches and branches. All the account managers extended loans day and night.

One day in November, the head office suddenly ordered to stop lending.

At that time, some customers had already made a mortgage, or even borrowed money to settle the mortgage, and some customers had already made a phased guarantee to advance the loan, and some customers had already secured the deposit.

"We have to invite customers to sign an application for contract change", which will change the original interest rate to 20% or 30% or 50%, or increase the margin and derivative deposits, and pfer all the customers who want to loan.

The leader of our bank held a meeting for us to say that the third quarter's loan marketing expenses (which can be understood as bonus) should be 50 percent off and fourth quarter 65% off, because we only want to make loans but do not lend enough deposits to the loans.

Liu said.

Until February 2011, Liu received the marketing expenses for the third quarter of 2010.

"It should have been more than 5000 yuan. After the discount, it became 2100.

As I did not complete the task of selling 400 thousand of a fund, I was deducted from the bonus of 400 yuan.

Finally, only 1700 yuan. "

City Commercial Bank president takes fifty billion deposits to assume office.

Joint-stock banks are not special cases. Under the chronic financing difficulties of small and medium-sized enterprises, the main business is the city commercial banks that provide loans, and they do not provide free lunches.

"The president of our branch took office just a few days ago, with a deposit of $4. 5 billion."

Ma Xing Li, a city commercial bank in Shanghai, Jiangsu Province

"Due to liquidity problems, personal deposit business is not easy to do, and banks will impose unreachable goals on an irregular basis.

Good customer managers are all public business. The four most important businesses are big businesses, education bureaus, hospitals and the Bureau of land management. The money is the most stable, so long as they are tied up, even if they do not work for a year, it will be no problem to earn five or six thousand a year.

The premise is to have continuous new deposits.

A customer manager of a Taizhou city commercial bank told financial weekly newspaper that for them, the end of the month is the boundary between heaven and hell.

If the target is not reached, the deposit salesman will not be deducted from the Commission.

"Let's not see a customer taking away hundreds of thousands of yuan, which is a loss to the bank. The manager of the client should fill the hole through various channels.

I once encountered the experience of a major customer being deducted from 40 thousand yuan in bonus at the end of 2009 due to the loss of company relocation.

A customer manager at Wu Zhou, who worked in Chou Chou bank for nearly 10 years, said.

The high salary paid by the industry in the industry does not mean that everyone has a high salary.

"The financial industry is about money relations, not all payments are rewarded.

As long as there are resources, do not work, do not punch cards can be, presidents can be exchanged for money, do well, you can set up a branch as president.

But the average employee is not as tall as the outside world.

The average daily balance of the counter account manager is fifty million, and the annual salary is only about 100 thousand yuan. If the average daily balance is one or two billion, the annual salary will be only 2.3 million yuan.

These people said.

A large bank.

"For customers, it is understandable to have a better service, more convenient business, or a higher loan quota.

But losing a customer means a cost increase for a bank, because maintaining a good customer relationship network is not easy, and with the increasing number of banks now, the performance report is going to look good, so we have to pull customers everywhere and find deposits.

"In the current competitive situation, proper and healthy competition is necessary.

But ultimately, banks must rely on services to win customers. Visibility and appeal are prerequisites for attracting customers. "

A well-known economist said.

Bank personnel were challenged by intermediaries

At the bank outlets, counter staff, financial manager, loan manager are relatively professional personnel.

But the industry is far from that.

Financial weekly newspaper reporter at the end of June in Wenzhou survey found that an investment intermediary company publicly hit the bank "pull" advertising.

"City Construction Bank needs 80 million funds (2 outlets), ICBC needs 40 million (2 outlets), Wenzhou bank needs 100 million (one node), Cangnan ABC 40 million (one network).

Come straight ahead

Some financial institutions also set up specialized departments.

For example, the customer development department of Ping'an group, Shanghai, is now eager to recruit a customer manager who deposits deposits. The financial weekly newspaper reporter was willing to apply for the job after he heard the news.

In the meantime, Wang, manager of the related personnel, called the reporters many times to urge him to go as soon as possible.

At the job site, Wang's customer development department has 60 people, divided into 3 teams, and he is the head of a team.

He said that 10 people are still needed.

However, after a thorough understanding of the financial weekly reporter, it was found that the way of deposit management by the client manager of this institution and bank outlets is not the same. Here are mainly sales products, including securities products.

"The probation period is 3 months. If you add up to 7200 yuan in 3 months, you can stay as a formal salesperson.

Formal employees are divided into 8 levels, 7200-7800 yuan is 8, royalty is 20%, 7800-12000 yuan is 7, royalty is 23%, 12000 above can get 25%.

"In fact, this is better than doing dot savings deposits. Some of our bank's outlets need to go out to save deposits."

He said.