The American trade, retails the bank the treatment

After deciding returns to the banking industry, starts in on-line collection new state all bank information, the property scale, the values, the product service, the staff treatment and so on. The Investment bank staff's income is highest, but the threshold is very high, they are generally recruit American well-known colleges and universities MBA and the financial specialized student; Also read the introduction Investment bank books, which potentials (mathematics is good including, attention economical politics, mentality is clear, pondered that question comprehensive and so on) suits in makes the investment banking, thought that oneself likes very much originally, is really regrets when 21,22nd gives up the opportunity which studies to the US---That little while is really understood too deficient to the outside world, also well satisfied in stable life. However Investment bank working overtime have been many, one week work 50,60 hour is the common matter; Therefore some people did several years then to change professions.
We knew the domestic bank overwhelming majority is the trade and retails the bank, is mainly manages the deposit and the loan, as well as some middle services, the profit originates nearly completely from the deposit and the loan difference; US's Commercial bank more than 50% profits originate from the middle service and the investment variety profit. The domestic media reported when the US financial crisis or is pleased with oneself in the domestic bank profit, has neglected the very important factor: US's banking industry full competition (will be merely new state has nearly 20 banks, loan company which will not come including multi-answers, financing company and so on, competition between American various banks has not can be inferred from this), (because the new product will emerge one after another incessantly certainly also supervision flaw and policy reason causes this crisis), but China's bank will also be at the primary development phase, specially the state-owned big bank dependence state investment, will close right up against the mesh point superiority and the monopolistic position, will rely on the interest difference to be able merely to obtain the huge profit.
Speaks of the treatment, saw frequently the media compares the Chinese financial industry's income and the US, what is specially odd is when The US government limits these to accept the government subsidization bank's high-level management income cannot surpass 500,000 US dollars, domestic is related Gao Guanjiu to think that their income must achieve this number at least. This unusual absurdness and wrong, did not say first overseas bank Gao Guan is the market choice, China is the government appointment; Only said that China Gao Guan lives in China, buys anything to use the Renminbi, for instance buys a catty apple 3 Yuan, what but American Gao Guan uses in the US is 3 US dollars, Therefore the American Gao Guan yearly income, may buy the apple 160,000 catties, but China's Gao Guan achieves 500,000 US dollars yearly salaries, can buy the close 1,000,000 catties! US's stricken people's limits are approximately below yearly income 10,000 US dollars, but American's annual mean wages is 29,000 US dollars, that i.e., US's Gao Guan income is stricken people income 50 times, is American average per person wages 16 times; But China's Gao Guan must decide her wages by American Gao Guan 500,000 US dollars, then how many times their income is our Chinese yearly average, stricken people how many times?
As if many media have not realized this mistake, makes when the contrast directly converts the Renminbi with US dollar to weigh both countries financial industry the income comparison, these Gao Guan is more righteous must with the international trail connection. Then the government decides the minimum wage also to use the American standard, is multiplied by the exchange rate directly with US dollar; What standard again or should the ordinary people limit their standard by? We should also request to achieve US's mean value, 29,000 US dollars, i.e. close 200,000 Renminbi! Therefore the author thought when makes both countries same profession income comparison, should be looked that this professional income and this country average per person yearly income to the score, for example, the American finance high tube income are an American yearly average income more than 16 times of spot, then the domestic Gao Guan income like is also Chinese per capita national income 16 times is quite reasonable, but is not always US dollar conversion is the Renminbi, pursue international trail connection.
Below is I understood the American trade retails the bank (the non-Wall Street's these Investment bank) income---Is mainly the common staff, the technology and the middle management post (average income, data possibly has discrepancies, different area, different bank income also has disparity)
Retail business personnel: $27,720
financial analysis: $46,800
business diagnosis: $55,700
Manager mesh point: $60,250
software development: $71,357
Director customer relations department: $76,056
invests manager: $85,400
loans manager: $83, 256
After above information collection and analysis, also felt that a spot is depressed, in domestic, even if is the ordinary staff, so long as you are at the sub-branch benefit is good, the income can go far beyond the local average wages, looks like the international settlement, the credit post income is higher, but also has the high quota common reserve fund, quarter prize, year-end bonus and so on. Must work as middle manager or the analysis staffs in the US can be higher than the average wages, also does not have any stealth income, does not have the recreational activities using public funds. Simultaneously also very much wonders, the domestic bank repairs the style mostly, the manpower cost is also higher than many US (is higher besides the staff income, the personnel are also many, because the domestic bank universal sub-branch organization are many, each sub-branch has the administrative personnel who many participates in the service not directly; But American Bank many mesh points only correspond a backstage center), (which State-owned business don't the administrative cost need to say recreational activities using public funds in domestic same), But as if they make money ability was also very strong - the past few days to hear that now the ICBC is the bank which the whole world most made money, possible, because credit quality good somewhat? This has the possibility very much, The US government several years ago proposed that everybody has the room US to vainly hope for, moreover encouraged (also to have said that was stipulation) the bank is low for these income or the income is unstable, credit bad person loan, because just this secondary loan has brought the real estate froth and afterward financial crisis. But in domestic, the bank front door will never start toward this group of people, although the Chinese Banking industry the present competes enlarges, but will have the loan demand person and the company are too many, the market will still be for is smaller than by far asks.