The Postal Savings Bank often organizes activities to save money and deliver things. Is there any routine in this?

Without any routine, it is a normal storage activity for the Postal Savings Bank to deliver rice, noodles and oil when saving money. So you can rest assured that there is no trap.

One way to save money on gifts is to save money. Like the bank where I work, there are activities to send gifts regularly. As long as you deposit it regularly for one year and the amount exceeds 10000, you will get a good gift. The criteria for saving money and giving gifts are as follows:

1 ten thousand yuan, send a pot 1 liter of corn oil.

20 thousand yuan, send a bag of 2.5㎏ rice.

30 thousand yuan, send a roll of paper

40 thousand yuan, send a bag of 5.0 rice.

50 thousand yuan, send a pot of 5 liters of corn oil

If the deposit amount is above 6,543,800 yuan, you can choose some small household appliances. There are hot water kettles, rice cookers, pressure cookers, electric ovens, etc. If the amount is more than 200 thousand, you can send a supermarket shopping card. 10 thousand yuan, the standard of 25 in general. If the amount is more than 300,000 yuan, a gift 1 10,000 yuan supermarket shopping card will be given.

If the amount is more than 500,000 yuan, a gift 1 10,000 yuan supermarket shopping card will be given. If the amount is more than 1 10,000, it belongs to a big customer, and the person in charge of the outlet will personally receive it. In addition to talking about the standards of shopping cards, you can also get many gifts. In addition, like holidays, big customers have prepared gifts.

Send zongzi on Dragon Boat Festival, moon cakes on Mid-Autumn Festival, Spring Festival couplets and red wine on New Year's Day. What does a bank do? Opening the door is to do "money" business, and the service focus is definitely biased towards the rich. You are a big customer, so you don't have to wait in line to do business in the bank. If you call the person in charge of the network in advance, we will arrange a VIP room for you.

After you come, go straight to the VIP room and finish your business with tea and snacks. Like the bank outlet where I work, there are several big customers and aunts. As long as they pass by, they will definitely come in for a while. Then a manager will be arranged to chat with him in the VIP room. When they leave, they will be given some rice, noodles and oil.

Of course, these gifts are nothing to young people. But for many old people, it is really attractive. There are many customers with hundreds of thousands or millions of deposits. They transferred money from other banks because they took a fancy to gifts. For the same interest, if you save 200,000 yuan, you will get at least five or six hundred yuan more as a gift. Those uncles and aunts are very happy.

It may be a bit unpleasant to withdraw money in advance, but this kind of deposit also has a small routine: to withdraw money in advance, you must return the gifts you sent before. If the gift is used up, it should be converted into cash. That sounds fair, too. When many people save money, we also tell customers that they need to return gifts in advance. But when customers really withdraw money in advance, they don't think so. Like 654.38 million yuan, if you deposit it for half a year, if you withdraw it in advance and settle it according to the current interest, there will be no tens of dollars.

However, the gift of 654.38+ 10,000 yuan is worth two or three hundred yuan. Most people have used up their gifts or given them away. Now I must return the gift. No gifts, only cash. Think about it, 654.38+ 10,000 yuan has been saved for half a year, and there is no interest at all. Many people are reluctant to post a lot of money.

Often at this time, it is most likely to produce contradictions. With fewer gifts, banks will not take it too seriously. If the gift is expensive, it will cost, and the bank will definitely take it back. Most people will return gifts or convert them into cash deductions. However, a small number of people just don't want to pay back, and banks can only acquiesce in dumb losses.

In the future, the saving shower will gradually disappear. Now some banks save money and don't give gifts. Some banks deposit money for gifts. Among them, it involves unfair competition. If other banks know, they can report it. According to the regulations of China Banking and Insurance Regulatory Commission, no bank may attract depositors in the form of gifts, shopping vouchers or cash.

The banking district bureau where I work was fined 200,000 yuan by the banking regulatory bureau for giving gifts to customers. Many old customers say that bank interest is getting lower and lower, giving gifts is getting less and less, and saving money is getting more and more boring. This is something that can't be helped. This is the current trend. Moreover, the intensity of supervision above is also growing.

About three to five years, bank deposits will gradually disappear with gifts. It's hard to say whether it will be sent secretly, but on the surface, it will definitely not be sent again.