In recent years, China's RMB deposits have continued to increase, and in the first quarter of this year, it was as high as 687 trillion, of which resident deposits increased by 62 trillion yuan, a record high. Why is there such a strong desire to save? Experts pointed out that there are three main reasons: first, the economic environment is sluggish, residents are sluggish in consumption, and they are more inclined to deposit money in banks; Second, real estate and other investment is sluggish, and residents believe that although the interest rate on deposits is not high, it is relatively safe; Third, after three years of the epidemic, young people have begun to realize the necessity of saving money.
Aunt Wang from the Northeast, who started a few years ago, has a good monthly pension after retirement, and she has also achieved a little success. But in the past two years, the first downturn, the loss is far more than the gain, so I began to regularly deposit my pension in the bank. Every time she went to the bank, Aunt Wang would be guided by the staff to the ATM machine instead of going to the manual counter. Aunt Wang was puzzled by this, thinking that it was her own money, and it was natural for her to go to the counter to deposit and withdraw it. Later, the manager explained the reason to her.
Bank staff will receive a commission when handling business, especially for large deposits or ** business. The teller welcomes customers to do these things over the counter as there will be a commission income. After the bank completes a certain deposit amount, there will be a reward, and this reward will be distributed according to the performance of the employee. As a result, tellers tend to direct customers to make deposits over the counter.
Secondly, for the withdrawal business, especially in the case of small withdrawals, ATM machines are more efficient and time-saving. The manual counter needs to be numbered and filled in, compared to the machine, which is more convenient to operate. For the elderly, as long as they have the desire to learn and follow the guidance of the staff, they can quickly learn to operate the ATM.
Third, in order to reduce labor costs and save money, banks will vigorously promote machine withdrawals. The machine is disposable, long-term use, and simple maintenance and high efficiency. The bonuses of bank staff are linked to the volume of business, so the promotion of machine business can reduce the bonus distribution rate and increase the income of employees.
Fourth, with the advent of the aging era, the proportion of people aged 60 to 69 in China has reached 5583%, the elderly are more retired, and the more people who handle deposit and withdrawal business. If they all queue up at the counter, it is not only not conducive to the development of business, but also hinders the handling of other businesses. Therefore, the promotion of machine deposit and withdrawal business will help to improve the speed of business processing.
In Aunt Wang's city, almost every bank has installed ATMs where there is vacant land to reduce the labor volume of window tellers, maintain personnel balance, reduce the bonus distribution rate, and increase staff income. At the same time, it saves the queuing time at the window and improves the efficiency of business processing.
To sum up, behind the deposit boom of Chinese residents is the impact of various factors such as the economic environment, the investment market and the epidemic. The promotion of bank ATMs is to improve the efficiency of business processing, reduce labor costs, balance the distribution of bonuses, and adapt to the needs of the aging era.
What do you think about this deposit boom? Do you prefer to do business over the counter or use an ATM? Feel free to leave a message in the comment section to share your views.