Friends who work in banks are facing a thorny problem recently: despite the central bank's cut in savings rates, banks have not stopped taking deposits. In order to ensure the profitability of banks, some banks have taken an extreme measure: linking the personal salaries of employees to the fulfillment of the task of absorbing deposits, and if the deposit target of 1 million yuan is not met, the salary will be deducted. Such a task is certainly the result of the bank's pursuit of a good start, but it is a huge pressure for the average bank teller.
Actually, reaching a million deposits is not an easy task. In the current situation of unstable economic situation and high overall debt ratio of society, it has become very difficult to own deposits. For most people, having a million-dollar deposit is a distant dream. Especially for people with lower incomes, earning more than 5,000 yuan a month is already an achievement that is not easy to achieve. Therefore, it is very difficult for an average family to have such a huge amount of savings. To meet the deposit target, tellers can only rely on their connections and background to secure more large transactions. They may turn to relatives and friends for help, asking them to deposit money in order to meet their deposit goals. However, this approach is not safe. Many times, tellers have to rely on the help and pleading of their loved ones to achieve their goals. If this indicator needs to be met consistently, tellers will face an even greater dilemma. Another way is to increase the number of deposit amounts to make the goal more difficult to reach. It can be seen that the average bank teller is really on the verge of collapse.
In addition to personal difficulties, there is another real problem that prevents bank tellers from fulfilling the task of deposit targets: the widening of the gap between rich and poor. The rich are reluctant to hand over their wealth to an average bank teller, while the poor are unable to do so. Wealthy people don't easily hand over their wealth to an ordinary bank teller because for them, the way to create wealth is much more than just deposits. Therefore, it is necessary to rely on the network and background of the bank teller at this time. The poor are unable to meet the savings requirements due to financial reasons, and their daily living expenses have reached the limit, so what about the extra money in the bank?Even if a group of people are brought together to make money, the poor will be excluded. And those who are able to come up with a portion of the money are often savvy and will not easily take risks to help tellers meet deposit targets. On the whole, the requirements for the amount of deposit are beyond the reach of ordinary people.
Faced with the difficulty of completing the task, some bank tellers resort to the practice of paying deposits out of their own pockets. They make an agreement with relatives, friends or parents to deposit money in their name, and in doing so, they fulfill the bank's hard targets. Once approved, the money can be withdrawn. Although this method solves the problem of deposit indicators, there are certain risks. Banks stipulate that deposits must meet a certain term of deposit, or do not allow the full amount of the deposit to be withdrawn at short notice. If the teller pays a small amount out of pocket, there is a situation where someone else needs to take the deposit out of need. If the matter is revealed, the consequences will be more serious than the failure to meet the standards and the deduction of wages. However, it is precisely because of this feeling of stimulation that this practice has become a common way.
Overall, bank tellers are facing more and more troubles, and their lives are not as easy as we think. However, compared with ordinary people, they still enjoy certain advantages in work and life. In general, bank tellers are under a lot of stress and distress, and it is becoming more and more difficult to meet deposit targets. They had to rely on connections and background to pull in large transactions to reach their deposit goals. At the same time, the widening gap between rich and poor has also hindered the possibility of the rich handing over their wealth to ordinary tellers. Some tellers even have to pay for deposits out of their own pockets to complete the indicators, but this method also has certain risks. In general, bank tellers are facing more and more difficulties, and their jobs are not as easy as we think.