The real benefits of depositing 100 million in the bank

Services for the bank’s most high-end customers.

If you know something about banking business, commercial banks classify customers into ordinary customers, gold card customers, platinum customers, black gold customers, diamond customers and private banking customers based on their financial assets. Private banking clients are those with the highest level of banking 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 show that as of the end of 2019 (AUM ), the overall asset management scale of China's private banks increased from 12.20 trillion yuan in 2018 to 14.12 trillion yuan in 2019, a growth rate of 15.75%; the number of private banking customers increased from 866,900 in 2018 to 103.14 in 2019 10,000 households, a growth rate of 18.96%. According to the above data, the per capita financial assets of private banking customers are: 14.12 trillion/1031400 = 136.9 million yuan = 13.69 million yuan. The average number of private banking customers is only tens of millions per capita (banks have 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). The deposit in question is 100 million yuan, which happens to be The bank's most high-end customers - private banking customers.

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1. What are the special benefits for private banking customers? Treatments for Private Banking Customers As the most high-end customers of the bank, private banking customers can not only enjoy various familiar exchange fee reductions, airport VIP channels, birthday cards, exclusive financial products, etc., but also enjoy some additional benefits.

For example:

1. High-end salon: The salon is just a small party. Private banking customers have higher requirements for capital allocation, so the bank will occasionally hire well-known professors, scholars, and business celebrities to share various financial knowledge with many private banking customers and focus on the frontiers of finance. At the same time, the salon can also allow private banking clients to understand each other, communicate with each other, and even promote business cooperation.

2. Medical care: Due to the high personal contribution of private banking customers to the bank, and considering that private banking customers pay more attention to medical care, banks generally provide free physical examination packages to private banking customers every year, and sometimes hold other Lectures on medical topics.

3. Holiday gifts: I believe many people receive text messages from banks on their birthdays. Due to the huge contribution of private banking customers, banks generally give gifts (such as a set of precious metal commemorative banknotes, stamps, etc.) in addition to SMS blessings. In addition to birthdays, other statutory holidays also enjoy various corresponding gifts (such as rice dumplings for the Dragon Boat Festival, Mid-Autumn Festival, etc.) Festival moon cakes, etc.).

4. Customized services: The volume of customized services is large. For example, some banks can customize a personal financial product for customers with more than 60 million yuan based on customer needs. Ordinary VIP exclusive financial products can generally be purchased by people of this level, while customized personal financial products are only targeted at this customer. 5. Work arrangements: It is also common to provide jobs when bank deposits reach a certain amount (like funding groups in the film and television industry).

2. In reality, if the bank deposit reaches 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, arranging two will not be a problem. Abstract Banks are also enterprises and have profit assessment requirements. So like other industries, the higher the customer's contribution to the company, the more treatment the company gives to the customer. This is like the difference between ordinary airline customers and VIP customers.