What are some interesting facts about banks?
1. The further away from cash, the higher the position in the bank.
2. People who work in banks have no worries about money. Ten thousand is a stack, and one hundred thousand is a bundle. When the money box cannot be carried, it occasionally still walks around on the ground. But that much money is not my own, and I don’t have any interest in it.
3. The most unsafe thing in the bank is not the money, but the pen on the counter!
4. Bank counter business brings very little profit to banks, and most of them lose money. The main profits come from interest spreads and intermediate income.
5. The escort’s gun is real and can kill people, so don’t rob the vault.
6. Money is dirty and covered with dust, even if it is new money. ATM machines and money counting machines accumulate a layer of red dust every day, which is the dust and discoloration of RMB, so do not count money with saliva.
7. Banks are short of deposits all year round and need money at the end of every month. As the saying goes: If one person is at the bank, the whole family will help!
8. Bank tellers cannot handle business for themselves, nor for normal business. Once discovered, they will be punished immediately.
9. The installment interest on credit cards is scary high, and the interest on cash withdrawals is also scary high. It is best not to use credit cards to make installments or withdraw cash.
10. If you pay less when you withdraw money, we will not be held responsible if you leave the counter. If you pay too much, you have to pay it back to the bank.
As a former bank employee, Xinqi shared with you three trivia about banks: 1. There is not much money in bank branches
In the eyes of outsiders , Banks are particularly wealthy places, and a lot of cash is piled in the bank's vault every day. There's nothing wrong with that, but the vast majority of these bank branches don't have much money. The daily inventory limit of general outlets is about 500,000 cash. With the increasing development of mobile payment, the cash on hand in outlets will become less and less. Therefore, criminals don’t need to trick banks because bank branches don’t have much cash at all. 2. Bank branches close at 5 o'clock every day, but it's still very early to get off work
Many friends think that banking is an easy and high-paying industry, and branches close at 5 o'clock every day. As everyone knows, pulling down the rolling shutter door is only the first step in preparing for the bank to get off work, and the teller's account settlement has just begun. In addition to counting arrears and vouchers, tellers also print various reports, check important blank vouchers, bundle arrears, and clean the outlets. The branch sales manager also prints the report data of the day's business and stamps it for review. After all this is done, you can't leave yet. Because the deposit vehicle hasn't arrived yet. . . Only after the deposit vehicle has taken away the money can the teller get off work normally. This set of procedures can take as fast as 1 hour or as slow as 2-3 hours. Therefore, banks generally close late. 3. Even if the bank teller makes a mistake and gives you extra money, you still need to cooperate in returning it, otherwise it will be considered unjust enrichment
Although the cause of the matter is the bank teller's operating error, this extra money It has indeed caused losses to the bank and gains to the customers, and there is no legal basis for the customers to obtain benefits, so this part of the money must be returned. In the actual process, once a bank has a long or short payment, it will contact the customer as soon as possible, apologize to the customer and ask for their cooperation in returning it. Under normal circumstances, the customer will take the initiative to return it, and the bank staff will give some bank souvenirs as a token of guilt. Thank you. For those customers who refused to admit it, the bank had no choice but to sue.
I have worked in a bank for nearly 30 years and am a veteran bank employee. Let me answer this question.
The bank has a bright appearance, a clear logo, and its employees are energetic and polite.
Banks used to be called iron rice bowls and once became the employment target for Zizi students. But behind banks is a cruel reality.
1. Intensifying competition within the industry In the past, my country had only four major banks, China Banking Corporation, Agricultural Bank of China, Industrial and Construction Bank, and China Construction Bank, which operated the national capital settlement and credit business. It was a state-owned monopoly industry, with guaranteed harvests during droughts and floods, so it was naturally a popular industry. However, with the reform of the financial system, national joint-stock banks have emerged everywhere, such as China Merchants Bank, China Minsheng Bank, Hua Xia Bank, China CITIC Bank, Industrial Bank, Ping An Bank, etc. These joint-stock banks have more flexible mechanisms, more advanced services and Facilities and higher annual salaries have caused chaos in the four major banks. Talents are being lost, share is decreasing, and competitive pressure has suddenly increased, forcing the four major banks to undergo difficult transformation. As the threshold for establishing private banks is lowered, another wave of pressure is coming to the banking industry; in the Internet era, Internet finance is turbulent. Jack Ma said, "If the banks don't change, we will change the banks." With the integration of world finance, our country has lowered the entry threshold for foreign banks. Finally, the wolf is coming!
It can be said that the financial industry is the main battlefield of competition in the world at present. There is no sight of swords and swords, but blood has flowed into rivers, and life and death are on the line.
2. The increase in non-performing loans
As competition intensifies, marketing to customers is no longer selective; There is no longer a preference for one industry or another, and there is no longer a cautious review of corporate operations. These will inevitably lead to the continuous increase of non-performing loans and the creation of a large number of accounting companies and financial asset management companies. The quality of bank assets is constantly declining, but all this is covered up by means of borrowing new money to repay old ones, loan extensions, etc. The invisible iceberg is underwater.
3. Changes in business philosophy
In the past, banks mainly provided fund collection and payment services; later, they provided Financial management and investment services; at present, we need to provide personal service to customers and be good stewards of customers. We not only manage customers' money well, but also capture the hearts of customers so that customers feel comfortable and assured, and are not tempted by other banks. When the customer becomes God, both personality and appetite change. Some large customers inquire among banks, causing malicious competition among banks. Loan interest rates fall again and again, while deposit interest rates rise again and again. Some customers use bank bidding methods for deposit deposits and project financing, allowing banks to Become the target of competition and fighting. This jungle law of survival of the fittest has caused many banks to violate national financial regulatory policies and gain advantages in peer competition through disguised profit sharing. This has not only seriously disrupted the financial order, but also resulted in the reduction of bank profits and self-owned capital. As a result, regulatory authorities characterized these behaviors that disrupted financial order as financial chaos and carried out focused governance. When this situation has been formed, under the pressure of life and death, the role of fines is gradually declining.
Competition among banks is all-round. In addition to competition for funds such as deposits and loans, there is also service competition. From external appearance to etiquette pick-ups, from service efficiency to service awareness, they have all reached hysterical levels. , all-round surveillance, secret visits by mysterious persons, secret phone visits, regular assessments, etc. completely turn bank employees into work puppets. Sometimes they forget to say "hello" when greeting customers, or forget to "stand up" when they are busy, and they will be fined and pointed.
Those outside the siege want to come in, and those outside the siege want to get out. However, the employees trained in the besieged city of the bank are skilled in counting money. Once you step out of the besieged city, you will be at a loss. Where can you find a job counting money?
In this sense, banks are really vulnerable groups.
1. Sometimes there are many people in the bank doing business, and I wonder why so many employees don’t open a few more windows. That’s because some employees don’t have permission and can’t handle business, so they can only be idle.
2. Sometimes when handling business, the speed is very slow. Don’t worry at this time. It is because the system is not easy to use. There are few back-end reviewers who cannot keep up with the speed of the front-end. Maybe the operator is a novice and unfamiliar with it. .
3. Sometimes we will say: "Such a big bank doesn't even have 200,000 yuan." That's because each bank has limited inventory, which has nothing to do with area and scale. The main purpose is to reduce costs and reduce costs. Risks are reduced to a minimum. According to the regulations of the People's Bank of China, reservations are required for withdrawals of more than 200,000 yuan (inclusive).
4. Sometimes you may notice that bank computers are very high-end, but they cannot connect to the Internet or plug in a USB flash drive.
5. Why does the sound become aggressive when listening to it? It is because there is a layer of glass and a loudspeaker at work.
…
Let me share some different trivia with you.
I recently learned that there are two Zijin Rural Commercial Banks.
Haha, banks looked like 10 years ago, 20 years ago, and 30 years ago. There are many interesting things in them. I can write about these things when I have time.
Let me answer
1. The counter business processing speed is slow and the waiting time is long. A large part of the reason is that the system is difficult to use. A large part of the reason is that there are few back-end reviewers, which cannot match the speed of the front-end. A small part of the reason is that the front desk operators are unskilled or slow.
2. Not every employee can handle business. Sometimes I see some people at the counter idle behind the counter, why don't they add an extra mouth? Because they have no authority, they can only sit idle. . .
3. Tellers have very little power. Generally, their rights are limited to exchanging change and residual coins for good ones. If you say I didn’t bring my ID card, please be accommodating. This is because the system forces entry and image collection restrictions, and the teller can’t help.
4. While banks prevent external fraud, they also prevent internal staff fraud.
5. Every business voucher will be reviewed by specialized personnel afterwards. If non-compliance is discovered, the personnel involved need to contact the customer. So if you receive a call saying that there is something wrong with your signature and that they will give you an extra list and ask you to send it back, it is very possible.
6. Most banks do not provide lunch.
7. The amount of inventory in a bank has nothing to do with the size of the bank. Customers often say, "With a bank as big as yours, I can't even withdraw 300,000 yuan!" In order to reduce costs and reduce risks, banks' daily cash is reduced to as low as possible. In addition, according to the regulations of the People's Bank of China, if you want to withdraw more than 200,000 yuan (inclusive), you need to make an appointment in advance.
8. For security reasons, the computer equipment in bank business halls cannot connect to the external network, and almost all of them cannot insert USB flash drives.
10. The more critical a customer is, the more troubles they will encounter.
11. A customer asked for money in the bank.
12. The purpose of the bank: to reduce big things into small things.
13. Banks generally do not provide toilets to the public. Their toilet is in a closet and it is impossible for customers to enter.
14. A layer of glass and a loudspeaker can make a gentle tone sound burning.
15. Ninety percent of customer dissatisfaction comes from the contradiction between ordinary accounts and VIP accounts.
16. Most banks will consider Feng Shui when selecting and decorating their locations.
17. Money is heavy. One hundred thousand is a turnaround.
18. All bank orders must not be altered. If there is an error, you must refill it.
19. Banks can also make trouble.
20. Counterfeit and residual coins must be turned over to the People’s Bank of China.
21. Around the Lunar New Year, it is the time when there are the most new tickets.
22. The number of customers with mental problems received at the counter has increased in recent years. Mainly suspicious, manic, and delusional.
23. Bank equipment often breaks down due to high frequency of use. After it broke, the repairman was slow to come.
24. No one wants the money in the bank that doesn’t have an owner, and all the stationery that doesn’t have an owner is taken away.
25. Foreign exchange is divided into banknotes and remittances. If you make a mistake, you may lose a lot of money.
26. All information will be displayed on the screen not just by swiping the card. If we don't check it specifically, we still won't know your card's balance, status, online banking, arrears, etc.
27. Zip is easier to degauss than card.
28. Even the difference of a few cents will be discovered when checking out.
29. Teller machines are faster, more accurate and cheaper than counters.
30. Customers often gather together. Today there are more and more people, and the business is still complex. Within a day there was almost no one there. The less people there are, the fewer people there are. It’s still simple access.
Let’s look at some internal ones.
31. If you want to develop in a bank, you can’t just have enough time and energy, you have to have resources. Or financial resources, or human resources.
32. People outside the bank want to come in. People inside the bank want to get out. It's not that easy to get out. Two or three months.
33. It is not just depositing money that can bring profits to the bank. Most of the counter business loses money. Banks mainly make profits from interest spreads and intermediate income.
34. The bank counter will watch people order dishes. Afraid of causing trouble.
35. Bank internal controls are sometimes too sensitive to check front-line tellers, resulting in tellers not being able to accommodate customers at all.
36. There is insufficient cooperation between departments within the bank.
37. Bank tellers don’t earn much compared to their efforts.
38. The grassroots of banks are vulnerable groups. Neither customers nor internal control and leadership can be offended.
39. I work shift work at a bank counter, and I don’t get triple pay for working during holidays. At most, it’s a few dozen dollars in overtime pay.
40. Bank counters hate customers who come in a few minutes before closing time.
41. The non-counter staff within the bank do not understand the counter operating regulations. They are usually the ones who make trouble.
42. Some customers often think that if they say "I know which of your leaders", they can handle business that would otherwise be impossible.
43. Middle-aged men and menopausal women are the most trouble-making groups.
44. Generally speaking, except for fraudulent fraud abroad, other fraudulent fraud and chargebacks are difficult to succeed.
45. To prevent fraud, either don’t deposit too much money in the card (debit card), or deposit the money on a regular basis.
46. 60% of people sign the form without reading the content.
47. You cannot choose your own number when calling the number at the bank counter, and the teller does not know what the next number is. There is no case of number hopping. Except for special circumstances.
48. If there is friction with the bank or business difficulties arise, do not shout at the counter, because it is useless. You can directly contact the person in charge of the branch. He will find a way. At least he could contact higher authorities.
49. Organize your accounts. Do not rent to others, it is illegal. For the safety of your own funds and reputation.
50. Online banking is very easy to use. If you manage your password well, you can do any business without going to the business hall. In addition to depositing and withdrawing money.
1. Cash is very heavy. If I give you one box of 3 million, you won’t be able to run away. If I give you two boxes of 3 million, even a young and strong guy can’t walk far. It's normal to sprain your back while loading a car.
2. When you look at the neatly dressed teller serving you with a smile, he may be standing with his legs crossed and his shoes off. It’s not new to have holes in your pants.
3. The money in the treasury is one hundred thousand bundles, two bundles wide and five bundles high.
4. If the teller overpays the customer, the customer has to pay it back. This is illegal income. Even if the customer's money is low, the teller has to deposit it or send it over. They really deliberately gave less money to customers, and the tellers were about to be fired.
5. You can’t get a loan just by owning a house. It depends on the purpose and source of repayment.
6. There is no teller who is not scolded.
7. If someone robs a bank, give him money. If the bank is responsible for calling the police, it will be regarded as fulfilling its obligations. If it can delay the time until the police arrive, it will be a meritorious service. Bank employees were not responsible for the struggle, and security guards were responsible for assisting police.
8. Teller, if you have a good service attitude, you will get benefits! The uncles and aunts who come often will ask you about your marital status, and if appropriate, they will introduce your sons, daughters, and granddaughters to the teller. You said you have the kind of enthusiasm that even a girlfriend can't stop. This happens mostly to affable male tellers. Very common! As for girls... many customers obviously want to pick up girls...
1. Rural Credit Cooperatives (Rural Commercial Bank), which has a strong local flavor in everyone’s mind ) are mostly people who want to make a fortune in silence, and the dividend rate of their shares far exceeds that of various financial management, stock trading, p2p and the like.
2. Most of the news about the loss of deposits reported by the media is that depositors were cheated by outsiders for petty advantages, and the bank took the blame for no reason. The bank's internal control system is extremely strict, and it would require the cooperation of too many people to steal deposits.
3. The bank vault actually does not have much money, it is only enough for daily business. The place with the most money is in the central treasury of the People's Bank of China.
4. The escort’s gun is really good at killing people. So don't go robbing the vault.
5. Bundles of cash are very heavy. A new hundred-yuan note is about 1.15 grams, and 10 million is 230 kilograms. Old banknotes are heavier than new ones. So don't rob the vault, it's tiring and dangerous.
6. Bank employees have various identities, which can be roughly divided into formal (signing a labor contract with the bank) and dispatch (signing a contract with a labor service company). The most bizarre one is the rural credit system, including formal, filing and file custody. , unregistered labor dispatch, agricultural workers, assistants, etc...
7. It is really difficult to lose money in the bank, but you never know which bastard Get your pen again! ! !
8. If the teller overpays the customer, the customer has to pay it back because it is illegal income.
9. Make deposits in the first quarter, make deposits in the second quarter, make deposits in the third quarter, and make deposits in the fourth quarter.
10. The door into the bank business office is called the interlocking door. There are two doors. The first door must be closed before the second door can be opened to prevent bad guys.
11. Although the bank closes at 5 o'clock, it often leaves at 10 o'clock in the evening because there are various examinations, trainings, meetings...
12. There are many more people than you think who copy the receipt template.
13. Banks are really a vulnerable group (seriously).