A joint-stock system, I have been a corporate account manager for 8 years, and the pressure is not small, and I always tell myself that when I want to give up, I will stick to it.
Joint-stock bank account managers, performance heroes, to put it bluntly, are deposits, so, if you have the resources, you will be better off. If you want to get large-scale deposits, you need to drive pure green deposits, structuring, and wealth management through large-scale corporate credit, or through in-house products to drive pure green deposits, structuring, and wealth management (provided that you assess whether you include structuring and wealth management in your deposits), or directly, obtain pure green deposits through resources.
I don't want to say much about the specifics, I believe that if you do it for a year, you will have some understanding, just talk about your career and position.
In the current economic environment (I don't know which region you are), it is not easy to do business for the public. 08 years of financial crisis, after the 4 trillion investment, the joint-stock system has experienced rapid development (not to mention a few large state-owned enterprises for the time being), in recent years, the supply-side reform, deleveraging, many areas have appeared large-scale non-performing, whether state-owned or private, the banks have also returned to rationality, in the corporate business more and more emphasis on risk prevention and control.
In the past few years of rapid growth, most banks have focused on corporate and polar issues.
A few focus on retail business, such as China Merchants Bank, domestic retail business, private banking business is absolutely second to none, with a deep customer base, with the macroeconomic changes, most of the joint-stock system slowly found that the retail business fell too much, and began to focus on retail. There will be a cycle, and I don't know when the next cycle of transformation will be.