4 thoughts on “Customer occupation distribution of private banks of Agricultural Bank of China”
Ismael
1) Professional development line of Agricultural Bank of China
The professional development of bank employees has three main lines, each with room for development.
technology line: professional route, main technical development, technical support.
The marketing route: customer route, main customer service, market expansion.
Management route: Leading route, the main development strategy and strategy formulation.
(2) Professional development plan for Agricultural Bank of China
The specific analysis of the career development of bank staff is three aspects:
1, teller. The tellers generally have two ways:
(1) Increased in the accounting bar, it is made into a business benchmark, promoted to the chief of the cabinet, and then competed as the accounting supervisor of the branch, and then competed as the deputy bank of the grass -roots outlets. Long, it usually takes 5 to 8 years here. Then you can climb to the accounting department of the provincial branch to be a small leader, and then compete for the general manager of the accounting department and enter the head office.
(2) Transfer to work as a customer manager and take the marketing line. Generally, you need to have a strong marketing awareness when making the cabinet. Generally, you need to take a written test and interview.
2, customer manager. Customer managers generally have three ways:
(1) Always be customer manager: customer manager assistant → customer manager → senior customer manager assistant → senior customer manager → private bank consultant, it takes more than 5 years, it takes more than 5 years, With the continuous rise in levels, wages have continued to increase, and the management of customers has also continued to high -end. It mainly relies on professional knowledge to promote performance growth to increase income.
(2) Sub -branch president. The president of the branch generally changes once every 3 years, and the president is always opened every year because of poor performance, so if you like to be a leader, you can usually go to the annual branch of the year after 3 years of work experience Competition. The pressure of the branch president is very high. With more than 50 indicators every year, you will light up the red card if you don't do it well.
(3) Develop to the relevant departments of the provincial branch. For example, the private customer manager goes to the Ministry of Finance, and the public customer manager goes to the company's business department.
3, in the bank, can you upgrade, most of them depend on performance, so only when your performance is outstanding, you can win in the competition. Of course At the level, the task you carry on your body must be added.
In -depth analysis: Private banks . Private bank market summary The target customer characteristics of private banks include faster growth, customer occupations diversified, customer selection of private bank standards, customer regional separation parts partialized , Diversified asset allocation of customer assets, while Chinese private banks start late and provide certain homogeneity in providing services, but some banks have begun to emerge internationally.
(1) Private bank target customer group: The growth and structural adjustment of high net worth groups
The number of target customers of private banks and their asset scale remain rapid. According to the "Administrative Measures for the Sales of Wealth Management Products of Commercial Banks" issued by the CBRC in 2011, private banking customers are defined as "commercial bank customers with net assets of 6 million yuan and above". In fact, the customer threshold for private banks set up by domestic commercial banks ranges from 6 million yuan to 10 million yuan.
The private banking customer base structure has begun to shift from entrepreneurial entrepreneurs to diversification. The main occupations of private banking customers include entrepreneurial entrepreneurs, the heirs of the family business, professional gold collar, and professional investor. In 2017, 85%of the high -net -worth group occupations are the above four types. Entrepreneurs are still the most important types of occupation of high net worth groups, accounting for 41%. However, with the rise in intergenerational heritage in private enterprises in recent years, the proportion of the second generation of heirs has risen significantly. At the same time, with the improvement of corporate management and the development of the capital market, the proportion of professional gold collar and investors has also increased. The changes in the structure of private banks means that customer needs will also change. First of all, the oldness of entrepreneurs means that the demand for family inheritance rises; second, the increase in the increase in professional gold collar with richer professional knowledge means the improvement of the needs of wealth management.
Basically, they are high -net -worth individuals, mostly from financial securities, large state -owned enterprises, including oil power and other industries.
1) Professional development line of Agricultural Bank of China
The professional development of bank employees has three main lines, each with room for development.
technology line: professional route, main technical development, technical support.
The marketing route: customer route, main customer service, market expansion.
Management route: Leading route, the main development strategy and strategy formulation.
(2) Professional development plan for Agricultural Bank of China
The specific analysis of the career development of bank staff is three aspects:
1, teller. The tellers generally have two ways:
(1) Increased in the accounting bar, it is made into a business benchmark, promoted to the chief of the cabinet, and then competed as the accounting supervisor of the branch, and then competed as the deputy bank of the grass -roots outlets. Long, it usually takes 5 to 8 years here. Then you can climb to the accounting department of the provincial branch to be a small leader, and then compete for the general manager of the accounting department and enter the head office.
(2) Transfer to work as a customer manager and take the marketing line. Generally, you need to have a strong marketing awareness when making the cabinet. Generally, you need to take a written test and interview.
2, customer manager. Customer managers generally have three ways:
(1) Always be customer manager: customer manager assistant → customer manager → senior customer manager assistant → senior customer manager → private bank consultant, it takes more than 5 years, it takes more than 5 years, With the continuous rise in levels, wages have continued to increase, and the management of customers has also continued to high -end. It mainly relies on professional knowledge to promote performance growth to increase income.
(2) Sub -branch president. The president of the branch generally changes once every 3 years, and the president is always opened every year because of poor performance, so if you like to be a leader, you can usually go to the annual branch of the year after 3 years of work experience Competition. The pressure of the branch president is very high. With more than 50 indicators every year, you will light up the red card if you don't do it well.
(3) Develop to the relevant departments of the provincial branch. For example, the private customer manager goes to the Ministry of Finance, and the public customer manager goes to the company's business department.
3, in the bank, can you upgrade, most of them depend on performance, so only when your performance is outstanding, you can win in the competition. Of course At the level, the task you carry on your body must be added.
In -depth analysis: Private banks
. Private bank market summary
The target customer characteristics of private banks include faster growth, customer occupations diversified, customer selection of private bank standards, customer regional separation parts partialized , Diversified asset allocation of customer assets, while Chinese private banks start late and provide certain homogeneity in providing services, but some banks have begun to emerge internationally.
(1) Private bank target customer group: The growth and structural adjustment of high net worth groups
The number of target customers of private banks and their asset scale remain rapid. According to the "Administrative Measures for the Sales of Wealth Management Products of Commercial Banks" issued by the CBRC in 2011, private banking customers are defined as "commercial bank customers with net assets of 6 million yuan and above". In fact, the customer threshold for private banks set up by domestic commercial banks ranges from 6 million yuan to 10 million yuan.
The private banking customer base structure has begun to shift from entrepreneurial entrepreneurs to diversification. The main occupations of private banking customers include entrepreneurial entrepreneurs, the heirs of the family business, professional gold collar, and professional investor. In 2017, 85%of the high -net -worth group occupations are the above four types. Entrepreneurs are still the most important types of occupation of high net worth groups, accounting for 41%. However, with the rise in intergenerational heritage in private enterprises in recent years, the proportion of the second generation of heirs has risen significantly. At the same time, with the improvement of corporate management and the development of the capital market, the proportion of professional gold collar and investors has also increased. The changes in the structure of private banks means that customer needs will also change. First of all, the oldness of entrepreneurs means that the demand for family inheritance rises; second, the increase in the increase in professional gold collar with richer professional knowledge means the improvement of the needs of wealth management.
Basically, they are high -net -worth individuals, mostly from financial securities, large state -owned enterprises, including oil power and other industries.
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