Postal savings bank official new year message content

I think since you don't have the business of the Postal Savings Bank, you don't have to worry, anyway. Probably because they want to do business.

China Postal Savings Bank was formally established on March 20th, 2007. It is a commercial bank established on the basis of the reform of postal savings management system. China Postal Savings Bank inherited the postal finance business operated by the former State Post Bureau and China Post Group Corporation and the assets and liabilities arising therefrom, and continued to engage in the business approved by the original business scope and business license documents.

Postal Savings Bank's private customer standard: Although it is clear according to the Measures for the Sales of Wealth Management Products of Commercial Banks issued by the CBRC that the standard for private bank customers is that the financial net assets should reach more than 6 million yuan, this standard is not uniform in the specific implementation of banks. The standards of private banking customers mainly depend on the standards of private banking customers in the bank where the customers are located.

1. The standard for private banking customers of various banks, such as Agricultural Bank, Bank of Communications, China CITIC Bank, Ping An Bank and Zheshang Bank, is that the daily average financial assets are more than 6 million yuan (inclusive). The standard of China Construction Bank, China Merchants Bank and China Everbright Bank is that the average daily total assets are above 6,543,800 yuan. The standard of ICBC, Shanghai Pudong Development Bank and Minsheng Bank is that the average daily assets are above 8 million yuan. In asset management or wealth management industry, customer segmentation can be regarded as a technical activity. At present, there are at least the following categories: ordinary customers, high-net-worth customers, qualified investors and private banking customers. Take the financial management of commercial banks as an example. Ordinary customers used to subscribe for 50,000 investors, but now they have changed to 65,438+00,000. High-net-worth customers refer to commercial bank customers who meet one of the following conditions: financial products with a single transaction subscription amount of not less than 6,543,800 yuan by natural persons; When subscribing for financial products, the total financial net assets of individuals or families exceed 6,543,800 yuan, and natural persons can provide relevant certificates; Natural persons whose annual personal income exceeds 200,000 yuan or whose total family income exceeds 300,000 yuan within three years may provide relevant certificates.

2. For qualified investors, this is the division of private equity funds for asset management and financial management in the new regulations. Qualified investors refer to natural persons, legal persons or other organizations that have the corresponding ability to identify risks and bear risks, invest no less than a certain amount in a single asset management product, and meet the following conditions. Have more than 2 years of investment experience and meet one of the following conditions: the net value of family financial assets is not less than 3 million yuan, the family financial assets are not less than 5 million yuan, or the average annual income in the last 3 years is not less than 400,000 yuan. A legal person with a net asset of not less than 6,543,800 yuan at the end of last year. Other circumstances identified by the financial management department as qualified investors.

3. Among them, QFII invests not less than 300,000 yuan in single fixed income products, not less than 400,000 yuan in single mixed products, and not less than 6,543,800 yuan in single equity products, single commodities and financial derivatives. Private bank customers are mainly divided into three categories: the average daily balance of financial assets is 6 million yuan, 8 million yuan and 6.5438+million yuan, which varies from bank to bank. Obviously, among all kinds of customers, private banking customers have the highest classification standard, followed by high-net-worth customers, qualified investors and ordinary customers. Although according to the Measures for the Sale of Wealth Management Products of Commercial Banks issued by the CBRC, it is clear that the standard of private bank customers is that the financial net assets should reach more than 6 million yuan, but in the specific implementation of banks, this standard is not uniform. For example, UBS's private banking customer standard is RMB 6,543,800,000 yuan or foreign currency equivalent financial assets above US$ 2 million, while CCB and Guangfa Bank's private banking customer standard is 6 yuan's financial assets above RMB. Ten thousand yuan, China Industrial and Commercial Bank, China Agricultural Bank, China Bank's private banking customer standard for financial assets of more than 8 million yuan. Therefore, there are obvious personalized differences in the standards of private banking customers in major banks, so the standards of private banking customers mainly need to be based on the standards of private banking customers in the banks where customers are located.