“铁饭碗”银行也开始末位淘汰了？普通人有机会，但没退路......

Group 1 - The banking industry, traditionally seen as stable, is now facing significant pressure with employees being driven by performance metrics, leading to increased stress levels [1][16][19] - A tiered "bottom elimination system" has been implemented in some banks, where employees ranked in the bottom three for two consecutive months face demotions and salary reductions [2][3][18] - The volume of counter transactions has drastically decreased, with estimates indicating that cash and counter business now account for only about 10% of banking operations [4][17] Group 2 - The operational costs for bank branches are rising, with annual expenses ranging from 2 million to 5 million yuan, and management fees constituting 54.7% of total operating expenses for listed banks in 2024 [5][18][21] - The shift towards digitalization and automation is reducing the need for traditional teller roles, as many tasks can now be performed by machines and online services [10][22][23] - Employees are being encouraged to adapt to new roles that require more complex skills, such as wealth management and customer service, as the nature of their work evolves [11][24][25]