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揸Uber都唔好做銀行 #1071

留意銀行已變質及返唔倒轉頭。「變質」之意、在於銀行在2000年前主做借貸賺息差為主、為各大廠商提供資金、自己坐享無本等收成之利、故銀行開到成行成市。2000年後美國及香港息口維持在低水平、靠收客人定期再借比另一人已搵唔到食、故成立財富管理部門靠賣理財產品去賺取傭金維持。可惜賣野係銀行「穩賺傭」而買家「贏輸自負」、比對往時借錢比廠家有機三嬴的局面不同、故客人對銀行從業員之不滿大增。就當從事銀行工作之職員、都感嘆銀行呢份工好難捱落去。

 

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筆者於2012年初撰文章「揸的士都唔好做銀行」,內容描述主角Billy見銀行職員Michelle鍥而不捨咁sell保險,好奇咁問佢「保險條數」係咪好大? Billy期待緊一個yes/no既答案時,Michelle望住分行既人龍,講出現時既苦況:「我已經幾晚冇訓覺,我一訓落床,就諗緊今朝開會點答老細。」是的! 證監早年規定銀行職員的薪金不可以傭金為主、及要以客人理財目標為依歸去推介產品。於是銀行即cut職員的傭金水平、及每日增設power-circle聚會,每日為職員加添「正能量」、唔摔數。由於呢個circle通常朝早7點半開、或者放工之後慢慢傾、職員為保工作自然要難為客戶令自己早些少放工返家探仔女。

 

不少人心想:「份工咁難做、做乜唔辭職?」不少銀行職員已入行五年或更久、人到四十辭職轉行不易完成。由銀行經理轉做看更是做法上可行、但實際上不可行。早年職員買落間樓要月供一萬幾千、唔想搬屋同cut仔女學費父母自然要死頂落去。有間上環鋪既經理走去搵心理醫生證明佢自己做到痴左線、用平機會阻銀行唔能因業績差而炒佢,惟呢個方法只合年近五十之職員、希望出埋呢招捱多2年退休唔理HR blacklist、從此不再踏足銀行界別。

 

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另有些年輕想博上位既新紮經理會博命咁摔同事數、就連遞左辭職信既同事都唔放過。要知銀行離職通知期一般為3-6個月、職員遞信後幾個月「唔上數」令經理業績受損。為作應對有些經理會打上銀行IT部門、查看同事每日用公司電腦的瀏覽記錄、希望搵到同事唔小心發左內部資料比個客、或任何不合銀行規格之溝通、務求搵罪證要脅同事、逼人跑埋條數、唔跑即出termination notice要人於行內消失。

 

要知請人做野呢個機制、職員於離職通知期行為懶散是制度上的產物、請得人做野就預左。主管行不義「屈打」同事逼人焗做、遠比好來好去此做法差劣。更有人假造罪證令同事屈服、令人髮指。久而久之銀行同有些賣倫敦金既鋪頭一樣、集中一批鼠輩。客人要理財、意見不好問銀行。

 

筆者識得一個舊同事、就係比老細捉到「痛腳」、想辭職都唔可以、最尾都係比人爆大鑊! 搞到商業罪案調查科都落埋分行,好在最終人無事、但要返回業界已不可能、惟有轉做Uber司機。佢同我講:「揸Uber見過嚴重既都係上庭罰錢。自己一個做野又唔使理班PK同事、總好過以前留係銀行、埋沒良心之餘更時常提防老細爆大鑤、比幾個幫辦審足幾粒鐘!」佢而家放工可以揸自己車去接阿仔放學、生活質素好好多!

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