Can commercial banks promote specific financial products through television and radio channels?

Commercial banks are not allowed to promote specific financial products through television and radio channels; when promoting financial products through telephone, fax, text messages, emails, etc., if the customer expressly expresses his/her disagreement, the commercial bank is not allowed to This method promotes financial management products to customers.

Extended information

How to best promote and publicize financial and financial products

First of all, each financial and financial product has its own independent characteristics and Highlights: When facing the promotion needs of financial customers, no matter which media platform we put on, the first thing we have to do is to refine the product functions, find the highlights, and adapt them to the media platform, so that the output is most consistent with the media user population. materials to achieve the best promotion effect. After completing this step, it is not difficult for us to analyze that the requirements for users of financial wealth management products are to have stable income and a certain level of consumption. Then we will conduct corresponding analysis based on the media.

With regard to the two platforms of Zhangyue and Ximalaya, how to successfully promote a financial product on these two media platforms? First, let’s make an overview of the crowd portraits on the two platforms:

Zhangyue:

1. Region: first- and second-tier cities account for more than 50%, TOP10 cities account for 23%, East China and North China Region accounted for 25;

2. Age: 18-25 years old accounted for 28, 26-30 years old accounted for 36, 31-35 years old accounted for 17, 36-40 years old accounted for 15, 41- 45-year-olds account for 4, and the overall trend is younger;

3. Gender: among all users, 54 are male and 46 are female;

4. Education: Bachelor’s degree and The above accounted for 77%;

5. Interests: Have high interest and pursuit in book reading, online games, etc.

Himalaya:

1. Region: Beijing, Shanghai, Guangzhou, Shenzhen and domestic first- and second-tier provinces and cities;

2. Age: 26-35 years old, accounting for 47.46;

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3. Gender: The ratio of men to women is 1:1; 4. Educational background: Users with a high degree of education.

From the above information, we can extract several advantages of placing financial products on the platform:

1. First- and second-tier cities and TOP10 cities have a relatively high proportion, which reflects to a certain extent that users The income level is relatively considerable and they have a certain spending power;

2. A relatively high proportion of people aged 26-30 years old, and most people in this age group have stable jobs and stable incomes.

5. From the perspective of interest, both book reading and online games have certain payment requirements for users; it can be seen that the crowd attributes of the platform are relatively consistent with the user attributes required by financial products.