The average salary of six state-owned banks, including Industrial and Commercial Bank, China Construction Bank, China Bank, Agricultural Bank, Bank of Communications and Postal Savings Bank, is basically between 260,000 and 320,000. So if you want to get higher returns, it will be better to go to some joint-stock banks.
In addition to joint-stock banks, in fact, the salaries of some city commercial banks are relatively high at present, especially in those economically developed areas. If the performance is good, the salary of many small city commercial banks is actually similar to that of 12 joint-stock banks.
Second, if you are pursuing future development, it is better to enter some joint-stock banks and city commercial banks.
Besides income, I think we should also consider the future development. Among many types of banks, the promotion of the six state-owned banks is relatively difficult, because the institutions inside are bloated and the seniority situation is serious, so the promotion is relatively difficult.
For those small banks, their own resources and brand influence are not that great. If you want to jump into those bigger banks in the future, there may not be much room for promotion.
So the rest are those joint-stock banks and some relatively large city commercial banks, such as 12 joint-stock banks and influential local banks such as Bank of Beijing, Bank of Shanghai and Bank of Guangzhou. These are all things that everyone can consider.
Compared with the six state-owned banks, these banks pay more attention to everyone's business ability. If everyone can bring considerable benefits to these banks, then everyone has a greater chance of promotion.
Third, if you pursue stability, you can consider going to the People's Bank of China or some policy banks. Although the wages of commercial banks are relatively high in all aspects, the work pressure of the corresponding banks is also very great. Usually work overtime until 8: 00 pm on weekdays, and work overtime on weekends, as well as various deposit tasks and financial management tasks. If you don't have excellent psychological endurance, it will be difficult to deal with it.
Therefore, if everyone pursues stability, then commercial banks may not be suitable for everyone. If everyone can pass the civil service examination, they might as well enter the local People's Bank or the China Agricultural Development Bank, the Export-Import Bank and other policy banks.
Compared with commercial banks, the People's Bank of China and policy banks basically have no performance appraisal, and their salaries and benefits are similar to those of civil servants in all aspects. More importantly, the work is relatively easy, which is a good choice for those who pursue stability.
However, it is relatively difficult to enter the People's Bank of China and these policy banks, because at present, such banks are basically recruited with reference to civil servants, so ordinary people are estimated to be unable to enter.
Fourth, if your family has the resources to attract more deposits, you can enter any bank. For banks, their core purpose is to make money. Whoever can bring higher income to the bank will have a higher position in the bank. For example, at present, many banks attach great importance to the assessment of deposits in the promotion assessment. If everyone has a lot of resources at home, for example, relatives and friends at home are big bosses or leaders of a certain department, which can bring a lot of deposits to the bank, then no matter which bank you enter, your life will be very comfortable, not only your income will be higher, but also your chances of promotion will be greater. Therefore, if you have more resources at home and can bring all kinds of deposits to the bank, it doesn't matter which bank you enter.