Bank jobs have always been considered a relatively stable career choice, but a recent job assignment has put a lot of pressure on bank tellers. Although the central bank has lowered the interest rate on savings, banks, as a profit-making institution, still need to continue to absorb residents' idle funds. However, if a teller is unable to complete the deposit task, they may even face a payroll deduction. This makes million-dollar deposits a headache for grassroots tellers. In the context of the economic downturn and the high social debt ratio, it is not easy to have a million-dollar deposit. For most ordinary families, it is very difficult to have a large sum of money. The average income is generally low, and a monthly salary of more than 5,000 yuan has become the treatment of a small number of people. However, raising a million-dollar deposit is an almost impossible task for most families. Therefore, if tellers want to achieve this hard target, in addition to relying on connections to attract transactions, they may also have to beg relatives and friends, or even through their parents' connections to make up the money. However, this approach is not safe and unsustainable. The widening gap between rich and poor has also created difficulties for tellers, with the rich reluctant to hand over their wealth to ordinary tellers and the poor unable to store it. This makes the million-dollar deposit task even more difficult.
In the context of having a million-dollar deposit task, the network and background of bank tellers have also become a determining factor. Wealthy people don't easily hand over their wealth to regular tellers because they need an authoritative, reliable channel to invest their money. Correspondingly, the poor are unable to meet the savings requirements because they cannot afford to save more than their daily living expenses. Across society, the gap between rich and poor is widening, making the task of bank tellers more difficult. For tellers, if they want to complete the deposit task, they need to rely on their own connections and background, strive to pull large orders, and attract rich people to invest. However, this is not an easy task, and tellers need to use a variety of resources and skills to find the right investment partners and provide them with good financial advice based on their professional knowledge and service capabilities. At the same time, tellers also need to build a trusting relationship with their customers, so that they are willing to hand over their wealth to the teller to manage. This undoubtedly puts forward higher requirements for the network and interpersonal skills of tellers.
Faced with the dilemma of not being able to meet the deposit target, some bank tellers have to resort to the method of paying out of their own pockets to make up for the deposit. They will make an agreement with relatives, friends or parents they know to make a deposit in their name, and then the teller will advance the funds themselves to meet the bank's deposit target. After the review is passed, the funds can be withdrawn, and the two parties go their separate ways. This approach does solve the indicator problem, but it also comes with certain risks. The bank stipulates that the deposit will take a certain amount of time or cannot be withdrawn in full, and if the teller advances a small amount, it may face a situation where others are in urgent need of funds, resulting in early withdrawal of funds. Once the matter is revealed, the consequences may be more serious than deducting wages for failing to meet the target. Despite the risks, some people choose this type of stimulation and pursue the thrill of being on the edge of risk.
The deposit dilemma faced by bank tellers actually reflects a real reality of today's society: the widening gap between rich and poor. The rich are reluctant to hand over their wealth to ordinary tellers, and the poor cannot afford to store more than their daily expenses. This makes it even more difficult for tellers to complete the deposit task. From another point of view, this also reflects the current problem of unequal distribution of wealth in society. At the same time, it also makes us think that for bank tellers, although their work is relatively stable, it is not as comfortable and easy as we think. The vigor of bank tellers, teachers, and employees in auxiliary positions in ** agencies is slowly dissipating, but they are still better paid than ordinary people. In reality, these problems are not just troubling bank tellers, but society as a whole. Ultimately, solving these problems requires the efforts of society as a whole.