In recent years, due to market adjustments and the economy still in a downturn, the income of bank employees has also been significantly reduced, and the attractiveness of banking jobs has been greatly reduced.

But there are still many college students who apply for jobs in various banks.

Of course, at the beginning, I was full of confidence and smug.

I think this is a decent job and a stage to showcase your talents.

After a period of work, I found that the reality was not as perfect as imagined, it was very skinny.

More and more, I find that the knowledge I have learned is rarely used. It can be said that the knowledge in college is not used at all.

Junior high school is enough, high school is enough.

The contribution of bank employees' personal abilities to bank profits is very small.

The banking system is too large. Every employee is a small part of this huge system and is highly replaceable.

That is to say, it doesn’t matter if one of you is missing and one of you is more. The bank will still be able to operate normally, and many people can do your position.

For example, the credit business has very high requirements for professionalism, but in reality we find that people with human resources skills can manage credit, people with accounting skills can manage credit, and people with information technology skills can also manage credit. Therefore, in banks, professionalism

is not an important barrier.

Completing a project or approving a loan is not something you can decide by yourself. If you are just an account manager, then all you have to do is operate, and don't care too much about other things.

Of course, this operation is also carried out within a framework planned for you, and there is a thread leading you forward.

All national industrial policies and industry policies will be checked by knowledgeable people. All you need is to be obedient and move forward without looking around or having any questions.

Otherwise, you won’t have anything to do with the next business.

The stronger your professional ability, the less likely you will be employed, because you will have negative resistance because of your objections, which will affect the efficiency of the work process.

When in a system, professionalism cannot be an important means of shielding competitors, everyone will gradually give up the pursuit of professionalism, or the pursuit of depth.

At the same time, everyone found that doing reports, writing materials, doing publicity and other such things can improve your competitiveness in the system. So in this environment, everyone began to gradually work towards this so-called "comprehensive ability"

.

Over time, the professional capabilities of employees gradually weakened.

For people in securities firms, funds, and private equity, their personal professional abilities obviously contribute much more to the company's profits.

For example, a very good fund manager may be able to contribute 10% or more of the company's profits; another example is that if a securities firm's macro research team is as outstanding as Ren Zeping and Jiang Chao, it can have a great positive impact on the company.

Yes, these impacts can also be reflected in the company's profits.

For employees of such companies, whether you hold an iron rice bowl or a golden rice bowl basically depends on your professional capabilities.

But banks are different. No matter how outstanding your employees are, they can only make a small contribution to their positions.

Therefore, many bank employees were very competitive in the market when they came out of school. However, after several years of immersion in banks, their market competitiveness has been greatly reduced.

With the overall decline of the banking industry, it is not certain that layoffs will fall on oneself if the guarantee is not met. By then, one will be very passive.

However, it doesn’t mean that you’re doomed after entering the bank, it’s not that exaggerated.

Although the bank is a place to "disable ability", it is undeniable that the bank is also a good platform that can give people a lot of formal financial training. Of course, the prerequisite is that we cannot be "disabled" early and unknowingly.

"Yes.

The bank is a good place to train people. A few years of working in the bank as a young person will have a positive effect on your future development.