Campus recruitment of banks is aimed at fresh graduates from major universities.
Recruitment process
The process of bank recruitment examination is generally divided into announcement-preaching-registration-qualification examination (online application stage)-written notice-written examination-interview-entry physical examination-employment signing-entry report-starting work.
Recruitment condition editor
The recruitment conditions of major banks vary from place to place, but to sum up, there are nothing more than the following basic conditions:
1. Quality, good political quality, excellent ideological and moral character, law-abiding, honest and trustworthy, good personal quality and professional ethics, identity with the corporate culture and values of the bank, and willingness to perform the obligations and post responsibilities of bank employees. Have strong team spirit, communication ability, learning ability, innovation consciousness and responsibility consciousness, and have good psychological quality, appearance temperament and physical quality.
2. major Generally speaking, banks can accept many majors. In terms of majors, the requirements of banks are not very strict, but exams are more advantageous for students majoring in economics and finance. So, if you think you are good enough, you can submit a resume, and maybe you will have a chance.
3. Education, hard standards, very strict, if the master's degree is stated, then the foundation below the master's degree will not be considered. In addition, many banks have stated that non-2 1 1 engineering schools do not recruit, or some schools do not recruit. Generally speaking, the main urban area basically does not recruit undergraduates, and there is no special requirement for non-main urban areas. However, students who want to apply for the exam, on the one hand, should do a good job of positioning, on the other hand, they can also save the country by curve. Should be admitted to the county first, and then transferred back to the main city through work. When selecting resumes, these standards are usually very strict. However, there are also very few students who are not qualified for graduation school, but their comprehensive quality is excellent, and they may take a written test.
4. CET-4. Absolute hard standard, which is also the requirement of almost all employers. It would be better if it is level 6, but it is not necessary.
Other standards, usually employers will add some additional conditions, such as Putonghua, expression ability and so on. Many conditions are basically difficult to judge by resume, so you can basically pass the test as long as you write on your resume that you have these conditions.
Recruitment time editor
The time for bank recruitment is divided into two stages. The first stage is also the main recruitment season, from September of each year to 65438+ 10 of the following year, which is the main stage for recruiting contract workers. The second stage, spring recruitment, is mainly to recruit jobs that have not been completed in the previous year and dispatch employees, and the time is from March to June each year. From the perspective of Chongqing, in recent years, the total number of recruits in the five major banks is about 2,600, and the number of recruits in rural commercial banks is about 2 100. Of course, there are also a large number of special dispatched employees.
Schema and content editing
As for the written test, at present, the five major banks of industry, agriculture, China, construction and communications have implemented the national unified examination, that is, the online applicants are arranged to take the computer examination at the designated place at the same time. The examination content is divided into three or four parts, namely: administrative ability test, English, professional courses and psychological test. Others such as Zheshang Bank have also begun to implement the unified examination, which shows that the unified examination is an overall trend of bank written examination. Interviews are generally organized by branches and divided into one or two rounds. The main forms are structured interview, semi-structured interview and leaderless group interview. Only by passing the interview will you have the greatest possibility of entering the bank. Finally, the physical examination link is basically not brushed.
Written test content:
First, English (TOEIC English)
Question distribution: 1) 40 multiple-choice questions 2) cloze 12 3) reading comprehension.
Time: 48 ***90 questions, 60 minutes
Second, comprehensive knowledge.
Distribution of problems: 1) Eight channels of bank characteristic knowledge 2) Current issues 10 channels 3) Industry knowledge (covering finance, computers, etc. )
Time: 30 minutes
Third, the administrative professional ability test
Problem distribution: 1) speech comprehension problem 2 1 2) number operation problem 43) thinking strategy 54) logical reasoning 14 5) data analysis (3 charts with 5 questions in each group, * * 15).
Time: 60 minutes
Fourth, behavior customization and career interest test.
Time: 90 radio channels for 20 minutes.
Five, professional knowledge of science and technology, science and technology candidates plus 30 points.
Interviews are generally conducted through structured interviews without leading group discussions, AC interviews, role-playing interviews, and psychological test scenario simulations with interview software.
How to prepare for editing
Bank written test preparation
The written examination of bank campus recruitment presents the unified organization examination of the head office and the national unified examination. The written test is divided into three parts: English, administrative ability test and banking professional knowledge. The focus of English lies in the usual accumulation, and exams and professional knowledge are the key to grading.
The five major state-owned commercial banks have all three contents in the written test, and they all need to be fully prepared. Some joint-stock banks only take the administrative ability test or bank professional knowledge.
Different from civil servants, the administrative ability test department of bank written test has higher requirements. Because of the large number of questions, the same questions are required to be completed in a shorter time, which requires a comprehensive and systematic review of the test section. The disciplines involved in banking expertise include microeconomics, macroeconomics, finance, monetary banking, international banking, international economics, financial management, accounting, contract law, company law, commercial banking law, negotiable instruments law, banking expertise, international trade, international settlement, computer and so on. In addition, some subjects will cover a smaller scope, such as public administration and finance.
Bank interview preparation
Interviews in Chinese banks are generally divided into two rounds, one round and two rounds. On the one hand, self-introduction and structured interviews are the mainstay, on the other hand, interviews with leaderless groups are the mainstay. Because it is a face-to-face psychological quality challenge, the interview needs systematic training. On the one hand, you can refer to the experience of people who have experienced it, and you can look at the faces of previous students on the BBS of fresh students; On the other hand, buy some interview books to understand the main points; The most important thing is to conduct actual combat drills.
Bank occupation introduction editor
Bank Jinling occupation
The banking profession has become a golden collar profession, and its main characteristics are: high income, stable work and high status. Generally, the income is not less than 60,000 per year, and it enjoys a high social status. It is a golden collar occupation in everyone's eyes. But it also has the characteristics of busy work and great pressure. For fresh graduates, choosing a good career is a good start. Many people regard banking as their first choice, because it is a rewarding career, which can continuously promote people's learning and enterprising, get in touch with mainstream high-end people in society, and also bring themselves a rapid increase in wealth. Its professional requirements also mean its high-end. The main majors are: finance, economy, management and accounting. Some banks have no majors, so many science and engineering majors also enroll students.
The products of banks are various derivatives of money, and the main source of money is deposits, including personal deposits and unit deposits. The destination of money is mainly credit or wealth management products. Bank profits come from the difference between deposits and loans and intermediary business charges. The CBRC and local banking regulatory bureaus supervise banks, while the People's Bank of China manages interest rates and exchange rates.
Bank posts are mainly divided into business and administrative levels, and the occupations of business departments can be divided into private and public. Personal business is mainly engaged in personal business, including financial management, collection and payment, deposit and withdrawal, personal credit and other basic businesses. What the princess needs to do is the business of enterprises and institutions, including credit, wealth management and some intermediary business.
When a person enters a bank, no matter how highly educated he is, the first step is often a teller at the grass-roots level. After the internship, I have the opportunity to choose the first step. This is the first diversion of bank work. Some people will enter the public sector, some people will enter the private sector, and some people will enter functional departments such as risk, audit, accounting, personnel and administration. The promotion route after entering their respective departments is the hierarchical leadership of their respective departments, which can be converted between private and public. If they can enter the public sector and serve big customers, it is undoubtedly a promising pedal for bank employees. Employees who work at the branch level are often promoted to the top of the president of the branch, and the best can be the vice president of the branch. The president is often stationed by the headquarters.
In the employee competition, there is also a very dynamic group, that is, dispatching employees. Without setting up a bank, they are employed by a third party, which is quite different from regular employees in terms of benefits, but there is no difference in salary. Moreover, because they speak on the basis of performance, they often get more income. If their performance is good, they will have the opportunity to become regular employees every year, which is a great incentive for these employees.
Commercial banking system
1. What is the banking system in China?
China's system consists of central bank, regulators, self-regulatory organizations and banking financial institutions.
1) Monetary Authority-China People's Bank
2) Regulator-China Banking Regulatory Commission
3) Self-regulatory organization-China Banking Association
4) Banking financial institutions-including three policy banks, five state-owned commercial banks, 13 joint-stock commercial banks, rural credit cooperatives, various city commercial banks, postal savings banks, etc.
Brief introduction of five major banks
I. Names of the five major banks:
Industry and Commerce (China Industrial and Commercial Bank), Agriculture (China Agricultural Bank), China (China Bank), Construction (China Construction Bank), and Communications (Bank of Communications).
Second, the comparison between the five major banks and joint-stock banks
Five thresholds: due to the large enrollment scale, the entry threshold is relatively low, the income is relatively low, but the social status is high. Well done, there are more opportunities to change jobs in joint-stock banks, small loan companies and local banks.
Joint-stock banks: less enrollment, high entry threshold and high income. However, job competition is stressful and tiring. But it has a strong role in promoting the improvement of personal ability.
Third, the income of the five major banks.
At present, the income of the five major banks is 60,000 yuan for new employees, and 500,000-600,000 yuan/year for middle-level employees after they become regular employees. In Chongqing, the higher incomes are Agricultural Bank, China Construction Bank and Bank of Communications. After entering the five major banks, they enjoy a high social status. In addition to contacting large customers such as enterprises, we will also contact customers such as government officials.
Fourth, the current recruitment situation.
Banking has become an increasingly popular profession, and the entry threshold is getting higher and higher. Nationwide, the banking industry recruits about 10 million people every year, and no less than one million people want to enter by submitting resumes. Chongqing recruits 3,000 to 4,000 people every year, including 300 people from rural commercial banks 1.300, 200 to 300 people from each of the five major banks, and the number of people recruited from other commercial banks ranges from dozens to 100.
However, due to the enrollment expansion of colleges and universities, especially graduate students, the entry threshold is getting higher and higher. Generally speaking, if you want to stay in the main city of Chongqing, you need a master's degree, or 2 1 1, 985 college students, and other personnel basically have no chance to stay in the main city. However, this passage has not been blocked. Many people enter the county bank first, and then transfer to the main city through personal ability improvement. This is very possible.
Verb (abbreviation of verb) recruitment process and recruitment form introduction
Online application: First of all, we should pay attention to the major job-seeking websites such as fresh graduates, ChinaHR.com and Zhaopin.com, and pay attention to the above recruitment information. Bank recruitment information will generally be posted on the home page of such websites. After seeing the published information, you can find the address of online application, fill in your own information in turn, and submit it.
How to apply online?
The ways for banks to receive resumes include online application, letters and emails, and on-site reception at seminars. The proportion of various ways is as follows:
Online application (68%): Online application websites include Bank official website and major job search websites.
Mail (20%)
Presentation and on-site reception (8%)
Others (4%)
Written test: the five major banks implement unified examination, and the proposition is divided into three parts, namely, administrative ability test, English and professional courses. The amount of questions is relatively large, which requires students to review systematically and prepare carefully. Especially specialized courses, involving more than ten courses. Students with weak foundation or non-professional courses need to make great efforts to study or review.
Interview: Some banks are lifelong, and some big banks are double-sided or even three-sided. There are three forms of interview: structured interview, leaderless group interview and semi-structured interview, as well as some derivative forms such as debate. The purpose is to examine students' expression ability, communication ability and emergency ability, which is the most important and key link in the whole exam. For several major forms of interviews, we can do better through systematic preparation, but the chances of students who are completely unprepared will be much lower, because most people will always be emotionally nervous when facing a large number of examiners. When they are nervous, it is easy for them to go blank and not play well, so they need systematic training.
Most bank recruitment resumes need to fill in the following information:
(1) Basic personal information: including name, gender, age, place of origin, etc.
(2) Educational experience: Some students are required to start high school.
(3) Experience in social activities: such as societies and student unions.
(4) Work experience
(5) Awards: including scholarships and various honors.
(6) Skills certificate: including foreign languages and computers.
(7) Academic achievement ranking: Generally, some major courses will be listed.
(8) Publishing papers/participating in research projects/research results, etc.
(9) Family situation: including kinship, whether there are relatives working in the bank, etc. Some banks need to meet the conditions of avoiding relatives.
(10) open question
Examination content editing
1. What are the joint-stock commercial banks in China?
Up to now, there are 12 joint-stock commercial banks approved by CBRC, including China CITIC Bank, China Everbright Bank, Huaxia Bank, Guangfa Bank, China Merchants Bank, Shanghai Pudong Development Bank, Industrial Bank, Minsheng Bank, hengfeng bank, Zheshang Bank, Bohai Bank and Ping An Bank.
These banks will also have campus recruitment in various regions, but not as many as commercial banks, which are more flexible and their income is often higher than that of the five major banks.
2. What departments do commercial banks have?
Generally speaking, the departments of commercial banks are divided into:
(1) Management Department, President's Office, Administrative Department, Human Resources Department, Financial Accounting Department, Legal Department, etc.
(2) Business departments, including corporate finance department, personal finance department, financial institution department and fund finance department.
(3) Support departments and information technology departments.
3. Types of positions recruited by banks
(1) Counter business category
Refers to employees sitting at the counter to handle business. Generally divided into company counters (low counters) and private counters (high counters).
1) counter counter: it is specialized in handling company business, mainly including opening counties and receiving checks, promissory notes and credit certificates. And don't touch cash, usually in large amounts.
2) Private counters: common savings counters in banks.
(2) Customer marketing category
Explore potential customers of companies and individuals, maintain customer relationships, and market various financial products and services to meet customer needs. Divided into private account managers and corporate account managers.
1) personal account manager: retail account manager, whose main job is to promote wealth management products and make personal loans.
2) Corporate account manager: mainly engaged in corporate credit business.
(III) Product maintenance category
Analyze customer and market demand, design product and service plans, and formulate and carry out marketing activities.
(4) Risk control categories
Prevent and control credit risk, market risk and operational risk, monitor market risk indicators, control operational risk, and often deal with banking regulatory bureaus, people's banks and other departments.
(5) Information technology
Develop and apply test software, install and maintain hardware systems, and provide background support for bank offices.
4. Bank career planning
Generally speaking, banking is a decent job with high income and relative stability. General institutions are relatively large, and the welfare benefits are also good. As long as they have enough strength, there is a lot of room for improvement.
For people with social resources, it is good to take the marketing and market route. For people who lack social resources, it is very good to enter the human resources, financial planning and risk departments. These departments have great power, but they need relatively few network resources.
Generally speaking, there are three development routes: management, technology and market. Management means taking the administrative route. If you have high comprehensive management ability and leadership potential, you can choose to take the administrative route. Professionally, you don't have to be very professional, but you have to be knowledgeable. Technology refers to risk management, product development, business review, etc. Strong professional requirements, suitable for people with strong professional ability. Market is the position of account manager, suitable for people who have pioneering spirit and like to communicate with others. A certain resource background will be of great help to this job.
5. What is the difference between "labor contract system" and "labor dispatch system" in bank recruitment?
The post nature of bank recruitment determines the level and stability of the post. For candidates, we must first understand the nature of the positions we are applying for.
Generally speaking, the nature of bank recruitment can be divided into two categories: labor contract system and labor dispatch system. Anyone who directly enters into a labor relationship with a bank is a labor contract employee, which is what we call a formal worker. Labor dispatch system is a tripartite labor relationship in which employees sign contracts with labor dispatch companies and labor dispatch companies sign contracts with banks. There will be some differences in welfare, salary, social security, etc., and they are not stable and can leave at any time.
However, during their employment, there is not much difference in wages and benefits between them, but the calculation basis of wages is different, and the funds obtained according to the workload are the same.
6. The recruitment process of the bank.
1), online application (September-10)
The main online application websites are official website, ChinaHR.com, Zhaopin.com, Worry-Free Future, and fresh graduates applying for jobs in Search.com.
Participation conditions: 1, fresh graduates with bachelor degree or above; 2. Major: economics, finance, accounting, industry and commerce, law, English, computer and some science and engineering majors; 3. Most banks are not limited to majors.
2), written test (after the online application, generally in 10- 1 1)
The written test is divided into professional subjects and administrative ability test.
Professional subjects: microeconomics, macroeconomics, monetary banking, finance, international finance, accounting, financial management, international trade, international settlement, law, banking expertise, computers, etc.
Administrative ability test: speech comprehension, logical judgment, mathematical reasoning, basic common sense and data analysis.
3) Interview (after passing the general written test 12- 1 month)
Mainly structured interviews and leaderless group interviews, some banks have oral English interviews. There are usually two rounds of interviews.
Major banks generally start campus recruitment in September-65438+February and June of the following year, and generally provide it before the year.