4 thoughts on “When banks are in deposit competition, they will increase interest and gifts. What are the reasons for this practice?”
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The bank has 4000 home now, and the streets and alleys are the least short of banks. The bank is no longer like a few state -owned banks like 20 or 30 years ago. The era of monopoly financial business is gone. The competition between each other is unprecedentedly competitive, and some local banks have adopted various marketing strategies Dora deposits as their main purpose. However, bank marketing activities are not only for deposit marketing, but also for loan marketing. After all, absorbing deposits requires the interest to be paid to the store. Only by paying a loan to earn a spread to win profit is the magic weapon for bank profit.
The bank marketing strategy mainly has the following:
It is to send it when you enter the door to increase publicity. For customers who go to the bank to apply for any business, entry -level politeness is a way to gain the favor of customers and enhance that their banks' awareness is very good. The bank offers low -cost and small gifts such as paper pumps, handbags, and pineapples with the name of the unit. It is a good way to publicize and introduce the bank. In this way, the customer uses the small gift of the bank, and the customer will consider here next time.
It is to save money for gifts. Gifts for deposits are postal savings banks, local banks (Rural Commercial Bank, Village Bank, and City Commercial Bank) to attract customers the most. As small as a cup, small bag of rice flour, as large as electric vehicles and TVs, only you can't think of, the more deposits, the longer the term, the richer the gift you can give you. If a client has a million time, you can specify the deposit gift. As long as the bank can get it, it will definitely meet the customer's wishes.
three is the deposit points draw. Different points are obtained according to different deposits, you can accumulate points multiple times, or you can use points at one time. You can participate in the points lottery through the cumulative points of deposits. For example, scraping music, large turntable, all kinds of golden eggs, and also give you a guarantee of 100%. However, there are very few first -class prizes and special prizes. The probability of winning is almost zero. Seeing most of the local banks customers are soap rice.
. The fourth is the return of deposits to cash. The regulatory authorities explicitly prohibited the cash withdrawal to deposit customers, but did not prevent the above policies and countermeasures. Due to the pressure of grabbing reserves, some banks will also implicitly reward certain cash rewards based on the amount of customer deposits, but they are all personal behaviors that employees are implemented in order to complete their own deposit tasks. ordinary customer.
The fifth is the launch of deposit products that rely on interest -making or monthly interest payment. The bank's regular deposit deposit period is long and the liquidity is insufficient. The deposit of a sum of money must be expired to enjoy the interest rate when the deposit is deposited. Some banks have launched deposit products that are relying on interest -strica to attract storeders. For example, customers deposit a sum of money and do not agreize the deposit period. After the year, the principal and interest of the customer is paid at the two -year regular interest rate; and so on. Another method is to deposit interest rates, and the interest rate is still based on the total deposit rate of deposits.
It is to increase the proportion of ordinary fixed deposit interest rates. The bank's deposit interest rate is basically not adjusted without a benchmark interest rate cut or interest rate hike. In the New Year, the deposit marketing pressure for the "opening of the door" activity. As long as the deposit interest rate has not floated to the top within normal time, there is still room for improvement, and it will also give customers a differentiated deposit interest rate.
[Summary]: All preferential activities made by the bank for customers are not to do charity, but to deal with tragic competition, for the deposit marketing task, one point is one point. After all, business is business. After all, business Banks are enterprises and earn profits by profit.
Because each bank has indicators, and some small banks are not well -known, most people tend to from the four large banks, so they deliberately increase interest in order to attract traffic.
Because the deposit in the bank can drive the development of the bank, only the bank has continuous deposits can the bank loan their money out so that they can gain certain benefits. Therefore, many banks will increase interest and gift gifts.
It is to attract more customers and then strengthen the economy of their banks. This is why the bank chose to do this.