According to a financial report by Phoenix.com, economist Ma Guangyuan released a video saying that it is not the bank's income that is high, but the income of the people in general is too low. The average monthly salary of employees in the six major banks has been significantly reduced compared with before. In the first half of this year, the per capita disposable income of residents in the country was 20,733 yuan, which means that the average half-year income of the people in the country is less than the average monthly salary of employees of the six major banks.
What is the relationship between bank employees and employees in other industries, especially in the real economy, why bank employees have higher incomes than employees in other industries, why banks cut salaries, employees can't stand it, and some have also had vicious incidents because of this, why people's income can't go up, is it that people generally don't work hard, or people work hard and their income goes up, this is what needs to be figured out. Only by clarifying these issues can we make our voices heard. Otherwise, the credibility is not strong, the recognition is not high, and it will even be considered as the spokesperson of interest groups.
Let's start with the income of bank employees, which is actually polarized. Those who are called executives in the bank will count the money and numb, and the actual income of ordinary employees, that is, the "common people" of the bank, is not higher than that of employees in other industries. Even if it's a little higher, it's very limited. In other words, the so-called bank employees have high incomes, and more often than not, they are "high-income" people, who are actually ordinary salaried people, and the work pressure is higher than that of senior executives, and more than other industries, such as deposit business, loan tasks, etc. Therefore, the distribution of remuneration for bank employees is actually very unfair. In particular, some executives do not rely on ability, but on relationships, and some even have improper relationships and illegal behaviors.
Looking at the employees in other industries who are called ordinary people, most of their income is fair and just. Especially in private enterprises, from executives to employees, the income is relatively fair, there are reasons for high, and there are reasons for low, and employees do not blush or compare. More importantly, the income of employees in the non-banking system, especially in the real economy, is not easy for operators, and it is not easy to ensure that employees get their own low wages every month. Especially in the case of a poor macroeconomic environment, many operators tearfully protect the enterprise and the income of employees, and use loans and loans to pay wages to employees.
On the contrary, where have the high incomes of bank executives come from all these years? Do they really act in accordance with the laws of the economy and the rules of the market? Do their lending behaviors really meet the requirements of decision-makers and management? Are they all issued compliantly? When the entity needs the funds, who do the banks give the money to? Developers, government financing platforms, a small number of large state-owned enterprises, P2P, etc., resulting in real wealth-creating entities unable to expand their scale, improve technology, develop products, and expand markets due to financial problems.
Industries that should not receive a large amount of financial support and violate the laws of economic development, especially the real estate industry and overcapacity industries, have received financial support, resulting in a rising asset-liability ratio and a larger and larger scale of risk funds. It is precisely these venture funds that support the high income of many bank executives, and provide bank executives with performance that can be promoted and enjoy high compensation. When performance becomes a risk, executives' compensation has long been a benefit for their entire family.
If half of the money that has been overinvested in the real estate sector is taken out to support the development of the real economy, will the economy still be like this? Will the income of corporate employees be so low? If it weren't for the excessive credit fund support given by banks to real estate development enterprises, housing prices would have risen so high that most of the residents who bought houses became "house slaves" and had no spending power in other aspects, would the people's income still be so low? Can bank executives get paid that much? Isn't the remuneration of bank executives unconscionable? The salary cut now is just a gesture, and it is really correcting mistakes. According to the current risk of the bank, those operators who have received high salaries should withdraw their money and bear the corresponding legal responsibility.
The income gap between bank employees and employees in other industries and ordinary people seems to be caused by the different division of labor, but in fact the bank does not really fulfill its responsibilities, does not put money where it should be placed, and does not provide good services for the development of the real economy, and then the income of employees of real enterprises is generally low, and the average income gap between bank employees and bank employees is very obvious.
However, Comrade Ma Guangyuan did not really see the internal reason for the income gap between bank employees and ordinary people, but only took it for granted that it was not that the income of bank employees was too high, but that the income of ordinary people was too low. This argument is highly undesirable and dangerous. For an economist, it is very unkind to look at the problem without looking at the essence, talking about ideas without talking about the key, but throwing out a so-called point of view and letting others justify his ideas, and it is also not in line with the quality that an economist should have.