According to the news, two employees of the Beijing branch of the Agricultural Bank of China have been placed on file for investigation for suspected illegal funds of 2.8 billion. Pen ~ fun ~ Ge www.biquge.info Due to the huge amount of money involved, the Ministry of Public Security and the China Banking Regulatory Commission have reported the case to ******.

Here comes the key point. It is understood that these two employees are relatively young, one is an employee surnamed Yao of the investment bank bill business department who has been in the bank for five years, only 32 years old, with a deep background; The other is a new employee who has been in the industry for a short time. According to insiders of the Agricultural Bank of China, the personnel background of the North Branch of the Agricultural Bank is complex, and there are many relatives of senior leaders among the employees. head

In March last year (2015), Zhang Jianguo, a member of the National Committee of the Chinese People's Political Consultative Conference (CPPCC) and president of China Construction Bank, joked that "banks are a vulnerable group". The speech at that time caused laughter in the audience. But now that I think about it, what President Zhang said is true, that's it.

First, I don't know how many people are staring at the bank, big officials, liars, and players, who treat him as Tang monk meat and want to take a bite. As a bank, people can't help but be scared and cautious, walking on thin ice, and the 3.8 billion yuan of the Beijing branch of the Agricultural Bank of China is a decimal number. In Guangxi, the Bank of Liuzhou was defrauded of 32.8 billion yuan by the Wu Dong family and its business. What is Guangxi's 32.8 billion? Last year, more than 10,000 enterprises in Wenzhou reshuffled in a large area, and the total loss of the banking industry was as high as 160 billion! This is in the newspapers, but what we don't know? Is it the "tip of the iceberg"? These "involuntarily" losses, the bank has suffering, is it a vulnerable group?

Second, due to the destocking of real estate, prices have fallen, which has rapidly affected the banking system, and bank loans have been excessively tightened or even frozen, resulting in an increase in non-performing loans. At the same time, the decline in profits of some industries, the elimination of excess capacity, and so on, have also exacerbated the concentrated outbreak of non-performing loans. You know, how many loans are greeted by "leaders from above"? Sometimes you can't even say "no", banks are not a vulnerable group?

Third, with the continuous exposure of non-performing loans, the days of lying down to make money are gone, and the year-end bonus of the banking industry has shrunk significantly, and in some places the annual salary of 1 million yuan has become 80,000 yuan. And the sharp-eyed people are overwhelmingly calling for banks to cut salaries. Banks have become the target of public criticism. Everyone says that you have a high salary, but you have a basic salary, is the bank a vulnerable group?

Fourth, as Internet companies begin to play with finance, competition is becoming more and more fierce, and the banking industry is constantly suffering from internal and external troubles. Whether it is securities, IPOs, private placement bonds, financial leasing, securitization and other traditional financial channels, or P2P, crowdfunding, e-commerce small loans and other diversified emerging investment and financing service means, are setting off the bank's "no", with the birth of Alipay and WeChat, the bank has entered the situation of "tail is too big", all aspects of action are subject to administrative constraints, as long as the central bank orders down, you have to obediently obey orders. What are banks that are not vulnerable?

Fifth, laid-off raids. The traditional banking industry is quietly undergoing an unprecedented change. According to Xinhuanet statistics, since the beginning of this year, at least 37 senior executives of traditional banks have resigned, involving positions such as directors, presidents, vice presidents, risk directors, etc., and some are branch presidents, and the resignation of front-line employees is even more numerous ("Rare and Intensive Resignation of Financial Executives: 37 Bank Executives Flee in Clusters", source: Changjiang Business Daily Author: Shen Yourong). Recently, China's central bank issued a notice to allow banks to open accounts remotely, which will make 80% of bank employees face the fate of layoffs. Are banks vulnerable?

Whether banks are vulnerable or not, I don't count. There is an old saying that "salty radish is not worried", I am really "a dog takes a mouse and meddles in things", "the emperor is not in a hurry, the eunuch is in a hurry", and I am worried blindly.