As a local bank, rural commercial banks have advantages and disadvantages. The advantage is that the policy is flexible, and there is a certain flexibility in absorbing, lending and engaging in related financial products, and the operating space is relatively large. At the same time, thanks to the protection of local governments, the business tasks and pressures are slightly less than those of several major state-owned banks. The disadvantage is that risk prevention and control is not done well, and it is easy to produce non-performing loans to form bad debts and breed corruption. Most importantly, the implantation of a large number of related households has complicated interpersonal relationships.
As for wage income, rural commercial banks have high and low. If the business develops well, the income is much higher than that of several state-owned banks. If the business development is general, the income will be relatively low, but the overall level is higher than that of ordinary enterprises and institutions, and there is a big difference between regions. There is a county-level rural commercial bank in Hong Xiao, because the economic situation in the county is relatively good and its business is doing well. In previous years, the per capita income was 200,000+,and the average level was above 300,000. The annual salary of branch managers is not a problem at all, and many employees of BOC at the municipal level are scrambling to jump ship to the bank. In other counties, many rural commercial banks are far worse than before, and most of them have a per capita income of 65,438+10,000+,which is more than enough. However, in recent years, due to the general depression of local economy, the operating pressure of rural commercial banks is generally more difficult than before, and the average income of employees is also declining, but people with strong business ability still have higher income.
Generally speaking, rural commercial banks are still good, so you can consider going. As for whether they are good or not, they depend largely on their personal abilities and relationships, and cannot be generalized.
I am a banker, working 10 years. Let me answer this question.
In the past, in towns, counties and cities, the most common financial institution was credit cooperatives, and the people especially trusted credit cooperatives. With the development of financial market, the original credit cooperative system can no longer meet the business needs and must be reformed. To this end, many credit cooperatives have been transformed into rural commercial banks, referred to as rural commercial banks. Careful friends may find that there are many shareholders in rural commercial banks, some reaching 100-200 or even more.
Before the reform, credit cooperatives basically handled two things: absorbing deposits and issuing loans. Business is very simple. After the restructuring, rural commercial banks began to move towards marketization, and their business scope gradually expanded. Some rural commercial banks have started to do credit card business, but compared with state-owned banks and joint-stock banks, their business is relatively simple and their work pressure is relatively small.
In the past, the policy did not allow cross-regional operation, and the general business scope of rural commercial banks was to carry out business around a city or a county. Later, the policy was relaxed, and some large rural commercial banks began to demand administrative restrictions and moved to surrounding areas, such as Jiangyin Rural Commercial Bank on our side. Although its headquarters is in Jiangsu, it has also set up some outlets in Anhui to expand its business scope.
As a first-class legal entity, rural commercial banks are often treated better than most banks. After all, local banks are protected by the government. In recent years, with the macroeconomic adjustment and economic depression, the strengthening of the risk control system of rural commercial banks is relatively weak, and some rural commercial banks are facing greater pressure. Non-performing loans soared and regulatory indicators approached the red line. The business situation is not optimistic.
The treatment of rural commercial banks is still good, much better than that of ordinary enterprises. Whether they are good or not depends on their own abilities. After all, there are too many local banks and the personnel relationship is relatively complicated. Anyway, it's good to have the opportunity to work there.
Rural credit cooperatives and rural commercial banks have encountered some problems, which have aroused public discussion. I think we should look at it objectively. Rural credit cooperatives and rural commercial banks are the closest commercial banks to us. When people start a business, they mostly get financial support from these grounded financial institutions. With achievements, big banks took them away, and some rural commercial banks went bankrupt. I'm an outsider and I don't know anything about financial business. It is really the Agricultural Bank that should be criticized. Agricultural Bank of China doesn't have a surname of Nong!
Generally speaking, the units of rural commercial banks say that employees' income is ok, they have a stable income, and it is no problem to support their families. It is the people in the credit department who really get rich. It is an open secret that a credit section chief can get kickbacks from the county magistrate. It is impossible to get a loan without gifts and kickbacks. It's just that the head of the loan department of a township office pays 654.38+000 yuan, which is still a high income with 200 yuan's kickback. Please invite him once or twice.
As long as there is a relative in the banking supervision, it is easy to enter the rural commercial bank.
Rural commercial banks have long been the money bags of private enterprises. Rural commercial banks handle loan repayment, but not equipment expansion. Therefore, people's deposits are very dangerous if the enterprise goes bankrupt. The depositors are unlucky.
Your question is a little naive and a little simple. Is it easy to mix? Mixed society? Which unit is easy to mix? We have gone through 70 years, and today, all walks of life have become solidified. Small society, without basic connections, is definitely not easy to mix!
Rural commercial banks, the former rural credit cooperatives, were first established on May 1 ST, which developed the economy and ensured supply, and played a great role in the economic recovery of rural agricultural farmers after the founding of the People's Republic of China! The old peasants believe that people are a generation of hardship and innocence. They have a bag and an abacus to write down their innocence and loyalty all their lives! I once saw an old farmer who stayed up all night for fifty cents for wrong account, and finally found out! Sometimes when we look at the past five years or six or nine years, those yellow IOUs are all one yuan, three yuan and five yuan, and the largest one is twelve yuan, which witnessed the history, not only explained the economic situation at that time, but also marked the development of rural credit cooperatives!
Why do you say that? Jinan Rural Commercial Bank, which we reported from Bloomberg, also reflects the current situation of the top management of Rural Commercial Bank to a great extent! Song Wenxuan, former chairman of Shandong Rural Credit Cooperatives, was transferred from the government. What do you think will happen if such people are allowed to manage trillions of institutions because of the arbitrary behavior of the government? Before 10, the middle and upper levels of rural credit cooperatives were generally clean, and they ate and drank on holidays. Later, it developed into a grass-roots director, greedy for the assessment salary of employees. As a result of the concerted efforts of Qi Xin, an employee here, he put his arm in his pocket, and it's no use looking for it! The connivance of the upper class became the general trend for a while. In a few years, these people have several houses or something! If it is only in the form of material, this kind of atmosphere will flood, and there will be slave owners in the environment of rural credit cooperatives, and faith will collapse! I once heard a friend, the head of a grass-roots branch, complain that he was scolded by the chairman at the meeting, and his neck twisted and he was sweating like a pig. I said I would quit. He stopped talking. Why? What can you raise with high income!
After 68 years of development, rural commercial banks have experienced ups and downs. Today, there are probably these big groups, one of which is the historical school.
These employees are basically locals, familiar people, acquaintances, and some families have been working for three generations. Their strength should not be underestimated! The main sources of deposits are relatives and friends, and the deposit time is long!
The second is the entrusting party.
These people are very complicated, including the People's Bank of China, the China Banking Regulatory Commission and the government. They are usually at the top, like the former CBRC, and Song belongs to the government. These people work hard, have a wide range of ways, and have the strength to pull public deposits! This includes people from the merged urban credit cooperatives!
Three new employees
The main college students, graduate students, have the knowledge and ability to adapt to the new business, but the foundation is still shallow, which is the hope of the future!
How about the rural commercial bank? Business indicators are available online. I have analyzed the history and personnel composition for you. You are going to be a cashier for five years. Not unless there are other reasons-this is a job that a good man can't do! Repeated meetings of monitoring system training will definitely make you suddenly doubt your life!
You said, do you have the confidence to mix for 30 years? Ha ha!
Let me answer. I'm from a rural commercial bank. Rural commercial banks take each county as a unit. The benefits vary greatly. In some county credit cooperatives, tellers with good benefits can get 30 thousand a month, and the heads of sub-branches are all paid millions a year. Some counties are inefficient. Branches don't even have a basic salary of 2000 yuan, and employees have to pay when they go to work at outlets. Therefore, whether rural commercial banks are good or not cannot be generalized. You should ask which city or county is good. Remember that banks are also enterprises, and the treatment of employees must be related to the operation of enterprises and the ability of employees.
Being a leader in this unit is ok, quite good! The annual salary is high and there are many beautiful employees. If you are an ordinary employee, you must be mentally prepared. For the future, you should have dedication, no matter what you offer, you can't hesitate! Either you have good connections and relatives, or you are willing to be mediocre, and you don't have to be led by a bird-like scum all your life.
The bank work unit is good, the salary is stable and the treatment is good. Although not as good as before, it is still a good career choice.