The Postal Savings Bank often organizes activities to deposit money and give away things. Is there any trick in this?

There are no tricks. The Postal Savings Bank gives away rice, noodles, and oil when depositing money. It is a very normal activity to attract deposits. Therefore, everyone can save with confidence, there are no traps. Saving money and giving gifts is a way to attract savings

For example, the bank where I work has an activity that regularly sends gifts to people who deposit money. As long as you deposit regularly for one year and the amount is greater than 10,000, you can receive gifts. The standards for saving money and giving gifts are as follows:

If you spend 10,000 yuan, you will receive a 1-liter pot of corn oil

If you spend 20,000 yuan, you will receive a 2.5kg bag of rice

For 30,000 yuan, get a roll of paper for free

For 40,000 yuan, get a 5.0kg bag of rice

For 50,000 yuan, get a 5-liter pot for free of corn oil

If the amount of money saved is more than 100,000, you can choose some small household appliances. There are hot water kettles, rice cookers, pressure cookers, electric ovens, etc. If the amount is greater than 200,000, you can get a supermarket shopping card. For 10,000 yuan, the standard is usually 25 yuan. If the amount is greater than 300,000 yuan, you will get a 40 yuan supermarket shopping card for 10,000 yuan.

If the amount is greater than 500,000, a 40-yuan supermarket shopping card will be given for 10,000. If the amount is greater than 1 million, it is considered a major customer and will be received personally by the person in charge of the outlet. In addition to negotiating the standards for shopping cards, you can also get a lot of gifts. In addition, during holidays, major customers prepare gifts.

Giving rice dumplings on the Dragon Boat Festival, moon cakes on the Mid-Autumn Festival, spring couplets with blessing characters and red wine during the New Year. What are banks for? It is a "money" business when it opens its doors, and the focus of its services is definitely on the wealthy. As a big customer, you don’t need to queue up when you come to the bank to do business. Just call the person in charge of the outlet in advance and the VIP room will be arranged for you.

After you arrived, you went directly to the VIP room and finished your business while drinking tea and eating snacks. For example, the bank branch where I work has several big customers. As long as they pass by, they will definitely come in and sit for a while. Then a manager will be arranged to chat with you in the VIP room. When they leave, some rice, flour, oil and other things will be given to them.

These gifts are certainly nothing to young people. But for many older people, it is really attractive. There are many customers who have deposits of hundreds of thousands or millions. The reason why they transfer money from other banks is because they are interested in gifts. With the same interest rate, if you save 200,000 yuan, you will get at least five to six hundred yuan more gifts. Those uncles and aunts were very happy. If you withdraw money in advance, it may be a little unpleasant

But there is a little trick in giving gifts with deposits: if you withdraw money in advance, you must return the gifts you gave before. If the gift is used, it will be converted into cash. This sounds very fair and just. When many people save money, we also tell customers that if they withdraw money in advance, they need to return the gift. But when customers actually withdraw money in advance, they don’t think so. For example, if you save 100,000 yuan for more than half a year, if you withdraw it in advance and settle it according to the current interest rate, you will not get dozens of yuan.

But a gift worth 100,000 yuan is worth two to three hundred yuan. Most people have already used the gifts or given them away. Now I want to bring the gift back. If there is no gift, I can only convert it into cash. Think about it, if you save 100,000 yuan for more than half a year, you won't get a penny of interest, and you have to pay a lot of money back. Many people are unhappy.

This is often the time when conflicts are most likely to arise. If the gift is relatively small, the bank will not be too serious. If the gift is relatively expensive, it will also cost money, and the bank will definitely want to take it back. Most people will return the gifts or convert them into cash deductions. However, there are also a small number of people who are unwilling to withdraw, and the bank can only suffer a silent loss by default. Gifts for depositing money will gradually disappear in the future

Now some banks do not give any gifts for depositing money. Some banks give you gifts when you deposit money. This involves unfair competition. If other banks find out, they can report it. According to the regulations of the China Banking and Insurance Regulatory Commission, no bank is allowed to solicit depositors in the form of gifts, shopping vouchers, or cash.

The regional bank bureau where I work was fined 200,000 yuan by the China Banking and Insurance Regulatory Commission for giving gifts to customers. Many old customers say that bank interest rates are getting lower and lower, they are giving fewer and fewer gifts, and they feel that saving money is becoming less and less interesting. There is nothing we can do about this. This is the current trend. Moreover, the intensity of supervision from above is getting stronger and stronger.

In probably less than three to five years, bank deposits as gifts will gradually disappear. It's hard to say whether he will give it away secretly, but he will definitely not give it away again openly.