Top ten bank employee compensation survey: the average annual salary of at least 220,000 | | Bank pay _ news

Original title: top ten bank employee compensation survey: the average annual salary of lowest 220,000 winter?

The securities times, An Yi

These two days on China′s banking "bank executives take the lead in pay cuts, declined by nearly half, heavy pressure from employee wages low, all sense of hardcore" coverage attracts the eye inside and outside the industry.

Including the establishment of five large State-owned firms in the agriculture, and 5 joint-stock banks such as China Merchants Bank and the people′s livelihood disclosures in the annual report, Bank staff pay rise and also surfaced.

The whole "pay packages", agricultural Bank, construction Bank, China Merchants Bank, CITIC fell 4 banks, growth in others than in previous years.

Pay per capita, in five rows, except bank and Bank of China per capita salary growth of 7.73% and 2.36%, respectively, while the remaining three lines has decreased, but does not go but China Merchants Bank and China CITIC Bank, pay per capita respectively 15%, 20%, but this is not a pay cut cause, deferred payment of performance pay is an important reason. Judging from the per capita, and can′t get the "cold winter" conclusion.

　　Average salary increase or decrease

In the 16 listed banks, annual data are available currently, 2015 10 banks, including ties 5 large State-owned firms, industry and agriculture, as well as China Merchants Bank and the people′s livelihood, CITIC and Everbright, ping 5 joint-stock commercial banks. In addition, there are 6 h-share listed city commercial banks, rural commercial bank earnings announcement, however, since some h-share listed banks did not disclose the number of employees, it is not included in the statistical sample.

Average pay is not simply of the balance sheet of banks "to the workers ′ pay" account is calculated by dividing the number of employees can be. According to accounting General guidelines, through balance sheet in the of "meet workers pay" and cash flow table in the of "paid to workers and for workers paid of cash" two a project, according to "this period wage welfare total = final meet workers pay-period early meet workers pay + paid to workers and for workers paid of cash" of formula, should is more reasonable and easy understanding of "pay package".

"Per capita" concept, should be in number at the beginning and end of the period the number of weighted average amount after all in one complete fiscal year, each bank coming and going, it is difficult to determine the point concept. Although commercial banks generally say goodbye to high growth, average net profit growth of five lines, or even just around the 1%, but statistics show that bank employees average remuneration package is still sufficient to attract envy.

　　Salary increases and decreases

The whole "pay packages", agricultural Bank, construction Bank, China Merchants Bank, CITIC fell 4 banks, growth in others than in previous years, but judging from the per capita increases.

Five rows, with total staff number, lower average salary of employees-220,000 RMB ~28 million. Apart from rows and rows of pay per capita growth of 7.73% and 2.36%, the remaining three rows are decreased. Need to be aware of is that Bank pay per capita growth is largely due to the reduced number of employees 2190 to 91468; rows per capita wage increases are mainly attributable to the "compensation package" to expand.

Shares, "compensation package" increase or decrease the level of per capita remuneration changes. Among them, the peace, the livelihood of two business style "progressive" shares in line with an average salary of more than 400,000 yuan, and the growth rate of 3% and China Everbright Bank, while total wages and benefits rose slightly, but not enough to compensate for the impact of the increase in the number of employees, average wages fell slightly to 360,000 yuan.

　　Performance-related pay deferred payment

Worthy of note is China, China Merchants Bank and CITIC shares two overall wages and benefits total over 11% fall, dragging down salaries from more than 420,000 yuan per capita fell to around 355,000 yuan, respectively 15% and 20%. Analysis of the industry, sharp drop in performance-related pay was the main reason of delay in payment, does not mean that China Merchants Bank and China CITIC Bank sharply cut.

The Bank last April issued a document, branch late payment risk system in the territory, that is linked to the risk of post employees on performance pay provision for a percentage, calculation amount depending on the risk of releasing yearly release, 10% aside, covered market, compliance, operations and other post employees.

This type of hazard is commonly known as "pay risk reserve", introduced by domestic banks from Citigroup. Adoption of such a system because banks profit when sexual and risk have lagged. The direct result of this mechanism, is the bank employee income that year.

In fact, most users will have a bonus retention system, but mainly for managers. For example, China CITIC Bank, ping an Bank senior managers of some performance-related pay for deferred payments, deferred payments for a period of 3 years.

CBRC management on bankers ′ pay is also clearly defined. 2010 issued by the commercial banks steady pay guidelines stated that commercial bank′s basic salaries not higher than their total remuneration 35%; senior management personnel, as well as important influence on the risk of commercial bank employees on the job, its more than 40% of performance pay should take the form of deferred payment, a deferred payment period not less than 3 years.

Of course, apart from the fixed and performance-related pay and employee benefits, this section includes suitable for post level training, health, brought their families, or to a certain post levels some of the so-called "exist" reimbursement amount, shopping cards on behalf of the trade unions do not pay taxes, such as monetary income. Under the strict implementation eight provisions, a number of "employee benefits" project has been cancelled.

　　No layoffs

Securities times, the investigation found that 10 banks staff changes in rendering two main characteristics.

On one hand, because of the concentration trend revealed weakness, European and American banks have heavily cut arm to survive, but the layoffs do not appear in domestic banks.

10 home listed Bank in the, except livelihood, and make line, and CCB outside, remaining 7 home bank employees number are more last year has increased, which peace Bank, and CITIC Bank employees number increases respectively up 8%, and 11%, former increased of 2,868 name employees in the 63% for business personnel, which increased Member also all for business and the management personnel; number increased up of is is ABC, main for Cabinet surface and the skills personnel increased.

The other hand, the State cut dispatched the employee, shares the attitude is unknown. Among them, the Bank reduce 50% to 11288, ICBC fell 80% to 489, CCB 12.2% to 5509; shares, ping, China Everbright Bank increased some dispatched workers, China CITIC Bank fell by hundreds of people.

In General, the banks dispatched workers manning company of belonging, banks equivalent to service companies to "borrow", for its treatment of such employees is very low, the hidden benefits of regular employees are not. Current positions of outworkers are mostly concentrated in the Hall Manager, security, cash collection, call customer service, credit card sales, IT systems and other positions.

Earlier, the State-owned line used to be dispatched "disastrous", the total amount remains high. However, the revised labor contract law defines labor dispatching is only supplementary form, dispatched only in "three characteristics" post implementation, accelerated restructuring the State-owned line.

Responsible editor: Zheng Hanxing

Article keywords:
Bank compensation
I want feedback
Save a Web page
Securities times

十大银行员工薪酬调查：平均年薪最低22万|银行|薪酬_新闻资讯

　　原标题：十大银行员工薪酬调查：平均年薪最低22万也算寒冬？

　　证券时报记者 安毅

　　这两天关于中国银行业“银行高管层带头降薪，下降幅度将近一半，一线员工压力大工资低，全靠责任感死撑”的报道吸引了行业内外的眼球。

　　随着包括工农中建交五家国有大行，和招行、民生等5家股份制银行年报的披露，银行员工薪酬的涨跌情况亦随之浮出水面。

　　从整体“薪酬包”来看，农行、建行、招行、中信4家银行出现下滑，其余均较往年有所增长。

　　人均薪酬方面，五大行中，除交行及中行人均薪酬分别增长7.73%、2.36%外，其余三大行则有所减少，但减少幅度并不大；倒是招行及中信银行，人均薪酬降幅分别达15%、20%，但是这并非降薪导致，绩效薪酬的延期支付才是重要原因。从人均情况来看，并不能得出“寒冬”结论。

　　人均薪酬增减不一

　　16家A股上市银行中，目前有2015年业绩数据可比的有10家银行，包括工农中建交5家国有大行，以及招行、民生、中信、光大、平安5家股份制商业银行。此外，还有6家H股上市城商行、农商行发布业绩公告，但由于部分H股上市银行并未披露员工人数，故未纳入统计样本。

　　银行平均薪酬并非简单地以资产负债表中的“应付职工薪酬”科目除以职工人数就可计算。按照会计通用准则，通过资产负债表中的“应付职工薪酬”与现金流量表中的“支付给职工以及为职工支付的现金”两个项目，按照“本期工资福利总额=期末应付职工薪酬-期初应付职工薪酬+支付给职工以及为职工支付的现金”的公式，应该是较为合理且容易理解的“薪酬包”。

　　针对“人均”这个概念，应当采用期初人数与期末人数的加权平均计算额，毕竟在一个完整会计年度中，每家银行人来人往，难以确定时点概念。尽管商业银行普遍告别高增长，五大行平均净利润增速甚至仅维持在1%附近，但统计结果表明，银行员工的平均薪酬福利仍足以引来艳羡目光。

　　薪酬包有增有减

　　从整体“薪酬包”来看，农行、建行、招行、中信4家银行出现下滑，其余均较往年有所增长；但从人均情况来看，增减不一。

　　五大行方面，由于整体员工数量较多，拉低员工平均薪酬至22万元~28万元。除交行及中行人均薪酬分别增长7.73%、2.36%外，其余三大行均有所减少。需要注意的是，交行人均薪酬的增长主要源于该行员工人数减少2190人至91468人；中行人均薪酬的增长则主要归因于该行“薪资包”的扩大。

　　股份行方面，“薪资包”的扩大或缩小程度决定了人均薪酬的变动。其中，平安、民生两家业务风格偏“进取”的股份行平均薪酬均达40万元以上，增幅高于3%；而光大银行虽然工资福利总额略有增长，但不足以弥补员工人数增加带来的影响，平均薪资略微下滑至36万元。

　　　绩效薪酬延期支付

　　值得注意的是，招行及中信两家股份行整体工资福利总额下滑幅度超11%，拖累人均薪酬从42万元以上降至35.5万元左右，降幅分别达15%、20%。业内人士分析，大幅下降的主要原因是绩效薪酬的延期支付，并不能说明招行和中信银行在大幅降薪。

　　以招行为例，该行去年4月曾下发文件，将在境内分行实行延期支付风险金制度，即对跟风险相关岗位上的员工的绩效薪酬计提一定比例金额，计提金额视项目风险释放情况逐年发放，计提比例10%，涵盖市场、合规、运营等岗位普通员工。

　　此类风险金一般称为“薪酬风险准备金”，由国内银行从花旗银行引进。采纳此类制度的原因是银行利润有当期性，而风险有滞后性。而这一机制的直接后果，则是银行员工当年收入减少。

　　事实上，大部分用户都有奖金留存制度，但主要针对管理人员。譬如中信银行、平安银行中高级管理人员的部分绩效薪酬就实行延期支付，一般延期支付期限为3年。

　　而银监会对银行高管的薪酬管理也有明确规定。2010年下发的《商业银行稳健薪酬监管指引》提到，商业银行的基本薪酬一般不高于其薪酬总额的35%；商业银行高级管理人员以及对风险有重要影响岗位上的员工，其绩效薪酬的40%以上应采取延期支付的方式，且延期支付期限一般不少于3年。

　　当然，除固定薪酬及绩效薪酬之外还有员工福利，这部分包括适合于岗位级别的培训、保健、携家属旅行等，或是到一定岗位级别就有的所谓“误餐费”报销额度、以工会名义发的购物卡等不纳税货币化收入。在八项规定严格推行之下，不少“员工福利”项目已被取消。

　　　未现裁员潮

　　证券时报记者调查发现，10家银行员工人数变动情况主要呈现两个特点。

　　一方面，由于发展趋势集中显露疲态，欧美诸多银行纷纷大举裁员断臂求生，但这股裁员潮未在国内银行出现。

　　10家上市银行中，除民生、交行、建行外，其余7家银行员工人数均较上年有所增加，其中平安银行、中信银行员工人数增幅分别达8%、11%，前者增加的2868名员工中63%为业务人员，后者增员也全部为业务及管理人员；人数增加最多的则是农行，主要为柜面及技能人员增加。

　　另一方面，国有大行削减劳务派遣员工，股份行则态度不明。其中，农行减少超五成至11288人，工行减少八成至489人，建行则减少12.2%至5509人；股份行中，平安、光大银行增加部分派遣制员工，中信银行则减少数百人。

　　一般来说，银行派遣制员工归属劳务公司，银行相当于向劳务公司“借用”，所以给此类员工的待遇非常低，正式员工的隐性福利基本上都没有。目前外包工的岗位大多集中在大堂经理、保安、现金清收、电话客服、信用卡销售、IT系统等岗位。

　　此前，国有大行曾经是劳务派遣制用工的“重灾区”，总量居高不下。不过，修订后的《劳动合同法》明确劳务派遣用工只是补充形式，劳务派遣只能在“三性”岗位上实施，国有大行加速改制。

责任编辑：郑汉星

文章关键词：
银行 薪酬
我要反馈
保存网页
证券时报