At the end of the year and the beginning of the year, the deposit interest rates of small and medium-sized banks rose and fell. Some branches of city commercial banks welcomed the "good start" and issued hard indicators for year-end deposits to employees. "By the end of the year, we have to pull in a deposit of 1 million yuan, and if the target is not completed, we will have to deduct wages," an employee of the city's commercial bank added, "It is the first time that wages have been deducted if they cannot be completed." "In order to meet the target, the branch and staff provide cash back to customers.
Bank employees pull deposits, also known as soliciting deposits. Whether it is at the end of each quarter or at the end of each year, in order to complete the assessment task, major banks will assign employees the task of pulling deposits. In order to allow employees to complete this task, some banks include the completion of the task in the quarterly and annual appraisals and link them to employee bonuses, while some banks directly deduct wages. And in order to accomplish this task, bank employees can be said to have done everything they can.
In a market economy, all kinds of enterprises, including banks, have great autonomy over employee performance appraisal. However, this right to evaluate also has boundaries, that is, it cannot violate the law and infringe on the legitimate rights and interests of workers. On the other hand, some branches of city commercial banks are suspected of violating the provisions of the Labor Law if they "deduct wages if the targets are not completed", which is an infringement of the rights and interests of employees. Both the infringed employee and the labor administration department must say no to the "wage deduction".
Article 50 of the Labour Law stipulates that wages shall be paid to the worker himself on a monthly basis in the form of money. Wages shall not be deducted or unjustifiably delayed. Article 91 stipulates that the labor administrative department shall order the payment of wages and economic compensation to the laborer, and may also order the payment of compensation. In other words, if a bank employee reports it to the labor administration, the bank will pay a greater price.
So, why do banks still stipulate that wages will be deducted if they fail to complete the task of pulling deposits?The reason doesn't seem complicated. On the one hand, at the end of the quarter or at the end of each year, credit cooperatives to city commercial banks to state-owned banks are faced with the task of depositing, and for banks, the competition for savings is extremely fierce, and employees have to be forced to complete this task by "deducting wages" and other methods. "It's the first time that you can't deduct your salary" shows that the way of forcing is escalating.
On the other hand, some banks tend to focus on performance at the expense of the law. In the eyes of these bank managers, whether they can complete their work performance or the above assessment tasks is the most important, and they don't care too much about whether they violate the law or not. At the same time, bank managers also have a fluke mentality, believing that employees will not report the illegal operation of the unit in order to keep their "jobs", and even if they are reported by employees, they will only pay the deducted wages, so banks often ignore the law.
It is worth noting that the bank's "drama of collecting savings" is becoming more and more outrageous. Some bank employees finally completed the task of 8 million deposits, but they did not expect the bank to upgrade the assessment index to 20 million deposits. In other words, if the bank employee fails to complete the task of collecting savings, the salary and bonus will be deducted;If you are lucky, you may face a more difficult task of collecting reserves. In order to complete the task, some employees "begged grandpa to tell grandma" and returned online shopping performance.
In the "war for savings" of banks, in addition to the infringement of employees' labor rights and interests, it also disrupted the order of the financial market. For example, banks use cash rebates to meet targets, which violates regulatory requirements. Another example is that banks will fall into vicious competition in order to compete for limited deposits, raise deposit interest rates, and increase bank liabilities. In the case of falling deposit interest rates, banks use "salary deductions" to force employees to complete the task of collecting deposits, regardless of the difficulty of this task.
Therefore, from the labor administrative department to the banking supervision department, it is necessary to carry out special rectification of the chaos of banks' accumulation of deposits, and guide the standardized development of banks with a long-term mechanism. As a bank employee, we should not be reduced to a "lamb to the slaughter", and when it is time to say "no" to such illegal and infringing acts, we should summon up courage.
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