What kind of treatment will you get if you deposit 100 million in the bank? Gain knowledge after reading

What is the concept of 100 million? A bank teller's cash box is about 2.4 million yuan to fill a box of 100-dollar bills. That is to say, 100 million yuan is probably = 100 million yuan / 2.4 million yuan = 41.67 (that is, 42 cash boxes). If it is filled with large bags If so, more than a dozen sacks can't be run away, which is a huge sum of money. It can even be said that 99.99 people will never see this number in their lifetime.

In reality, a person with a deposit of 100 million will have personal assets of at least 1 billion. (You can calculate the proportion of your own savings to your assets. You must know that we ordinary people have There are fewer financial management channels, and most of them are deposited in banks. The rich are different, but they can invest through multiple channels); if one billion in assets were in a backward county in the central and western regions, he might already be the richest man in the county. To be honest In other words, people with this amount of funds basically don’t care what kind of treatment the bank gives, because this kind of people may rarely go to the bank to handle business. So if you really deposit 100 million, what kind of benefits can you enjoy in the bank? What about treatment?

If you have a little knowledge of banking business, you will know that commercial banks divide customers according to the amount of their financial assets into: ordinary customers, gold card customers, platinum customers, black gold customers, diamond customers and private banks. client. Private banking clients are the bank's highest-level clients and the smallest number of clients.

According to the "China Private Bank Development Report (2020) and China Wealth Management Industry Risk Management White Paper" jointly released by the China Banking Association and Tsinghua University PBC School of Finance, data shows: As of the end of 2019, Chinese private banks The overall asset management scale (AUM) increased from 12.20 trillion yuan in 2018 to 14.12 trillion yuan in 2019, with a growth rate of 15.75%; the number of private banking customers increased from 866,900 in 2018 to 103.14 in 2019 million people, a growth rate of 18.96. Calculated based on the above data, the per capita financial assets of private banking customers are: 14.12 trillion/1.0314 million people = 0.1369 billion yuan = 13.69 million yuan.

The average private banking customer is only a multi-millionaire (each bank has different regulations on the minimum deposit standards for private banking customers, some are 6 million yuan, some are 8 million yuan, and some are 10 million yuan), and the question stems The one I won was a deposit of 100 million, which happened to belong to the bank's most high-end customers - private banking customers. So what special treatment do private banking customers have?

As the most high-end customers of the bank, private banking customers can not only enjoy the familiar exchange fee reductions and exemptions, airport VIP channels, birthday greeting cards, exclusive financial products, etc., but also some Additional benefits, such as:

1. High-end salon: A salon is simply a small gathering. Private banking customers have higher demand for capital allocation, so the bank will hire well-known professors, scholars, Big names in the business world share various financial knowledge with many private banking clients, focusing on the cutting edge of finance. At the same time, the salon can also allow private banking clients to get to know each other, communicate and even promote business cooperation.

2. Medical care: Due to the high individual contribution of private banking customers to the bank, and considering that private banking customers attach greater importance to health and wellness, banks generally give free medical care to private banking customers once a year. Physical examination packages, and sometimes health and wellness-themed lectures are also held.

3. Holiday gifts: I believe that many people can receive text message blessings from banks on their birthdays. Since private banking customers make larger contributions, banks usually give gifts in addition to text message blessings. In addition to birthdays, you can also enjoy various corresponding gifts on other statutory holidays (such as rice dumplings on Dragon Boat Festival, moon cakes on Mid-Autumn Festival, etc.).

4. Customized services: The amount required for customized services is relatively high. For example, some banks can customize a personalized service for customers with more than 60 million yuan according to their needs. Financial products. Ordinary VIP exclusive financial products can generally be purchased by people at this level, while customized personal financial products are only targeted at this customer.

5. Work arrangement: It is also very common to provide jobs when the bank deposit reaches a certain amount (just like bringing capital into a group in the film and television industry). In reality, generally bank deposits reach If you have more than 30 million yuan, you can introduce a relative or friend to work in the bank. If the amount of funds is large enough, such as more than 100 million yuan, it is not a problem to arrange two.

Banks are also enterprises and have profit assessment requirements. Therefore, like other industries, the higher the customer's contribution to the enterprise, the more treatment the enterprise will give to the customer. This is just like the regular customer service of an airline. The difference between VIP customers, of course, is that customers who have reached a certain amount of deposits actually don’t care about these services. For example, taking the private banking customers of my bank as an example, in addition to the high-end salon meetings where more people participate, there are many other small services. Such customers do not like free physical examinations, and many of them remain blank every year because the bank's physical examination standards may not meet their requirements. Some customers even have their own personal doctors and do not care about this physical examination.