What gift should the bank give to deposit money in the bank? What is the most expensive gift?

Only on holidays or under extremely special circumstances, banks will do activities related to deposits and gifts. Some banks are not so direct, but deposit points, and then the points can be exchanged for gifts.

What gift should the bank give?

Cai Xiao believes that as long as it is a gift from the bank, its value mainly lies in practicality. If there are gifts such as umbrellas, rice, cooking oil, laundry detergent and suitcases, the more you deposit, the higher the value of the gifts you can choose, the better. What is the most expensive gift? Cai Xiao doesn't know, because the deposits are different, the banks are different, and the corresponding deposit gifts are different, but as long as there are more funds deposited, the banks will send more satisfactory gifts.

The best gift should be the one that the president of the bank comes to collect in person. Every year, the president of each bank branch takes time to visit some extremely important customers of the bank, maintain the relationship between the two sides and conduct some profit transactions.

In fact, it is illegal to save money for gifts.

According to the regulations of the People's Bank of China, banks are not allowed to take deposits as gifts. Although there are such regulations, banks are faced with severe pressure of deposit competition and have to commit crimes against the wind, and will still launch deposit gift-giving activities.

The activity of deposit giving gifts is very important for banks. Now bank depositors prefer to get some kind gifts from banks. From the marketing concept, the kind is more intuitive and within reach, which can make users feel the feeling of "both interest and gift", so this kind of kind gift activity is very important.

Banks are also willing to attract deposits through such "traditional activities". They have been doing gift-giving activities before. If they suddenly stop doing it, it will also cause customers' dissatisfaction and complaints, so they can only choose and operate in this way.

In short, the more deposits, the higher the value of gifts. Cai Xiao Finance saw a joke, that is, sending 100 million commemorative bags in bank deposits, which read "100 million deposits to send". This souvenir bag is higher than other luxury goods, and it is the "most expensive gift".

Cai Xiao said.

I have worked as a grassroots financial manager in a bank, and it is no stranger to give gifts to depositors.

Gifts are given to depositors in almost every bank, even every financial manager. There are all kinds of gifts, but only a few. Below I will briefly list a few:

First, simple and rude anti-cash

Many rural credit cooperatives and some city commercial banks give customers cash directly in addition to interest. The amount of cash is also increasing year by year. About 20 14, 1 10,000 yuan deposit may be given to 18, 20 15, 1 10,000 yuan deposit may be given to 30 yuan, and it will rise to 50 yuan around 20 16.

This amount varies at different times of the year, and more is given to customers at the beginning and end of the year. The difference of this amount in different regions is also obvious. As far as I know, when some banks in Henan are converted to 30 yuan, some banks in Hebei are converted to 80 yuan.

Second, the bank purchases gifts in a unified way and redeems points.

Banks use marketing expenses to buy a large number of gifts in some wholesale markets, either in sub-branches or sub-branches. Give corresponding gifts according to the customer's deposit amount.

The choice of gifts generally has the following principles:

Third, financial management independently chooses customized gifts.

Some banks give customers marketing expenses to financial managers and need invoices for reimbursement. If you don't spend money, the money will be gone. Many financial managers will buy some gifts for big customers.

This kind of gift is relatively better, because the financial management Council spends these expenses on customers who have made outstanding contributions to their performance. I sent a parent-child tour to my 5 million time deposit customer before, which cost about 5000 yuan.

The above-mentioned behaviors, especially those with banks as the unit, are not allowed by the regulatory authorities and are suspected of malicious competition. However, banks have no choice. In order to pull deposits, they are all done privately, and some even let the wealth management manager send gifts directly to customers' homes.

The appearance of this phenomenon is actually caused by the imperfect marketization of interest rates. To attract deposits, banks are willing to pay different costs. Banks can't make a fuss about interest rates, they can only give customers extra high gifts.

The emergence of certificates of deposit basically solved this contradiction. The deposit interest rate is set by the bank independently, and the bank also sets the interest rate above the traditional deposit. As far as I know, few banks are still sending high-value gifts to customers with large certificates of deposit. Some banks even canceled the activities of giving gifts to customers with large deposit certificates.

It is abnormal to save money and give gifts, similar to sales rebates, which is not conducive to the development of banks. With the improvement of the banking system, gift-giving will disappear sooner or later.

Bank research monk, you study, I will follow!

A while ago, China Merchants Bank engaged in activities in office buildings, as if it were cooperating with real estate. If you deposit 3000 cash in the new card, you can get a set meal.

Many people were very happy at that time. A friend has already got a card of China Merchants Bank, and is still considering whether to cancel the card and get another one to earn this package.

However, within a few days, I began to hear complaints about the poor quality of the bags in the elevator, and some people said that they had saved 3000 yuan but didn't get the bags.

So, you see, it's always as difficult as everyone wants.

I also saw a picture of "showing off wealth". A lady was carrying an ordinary bag in the lobby of a bank, but it was printed on the wall that she had a deposit of more than 100 million yuan as a gift.

This is definitely the most expensive bag.

Of course, it's hard to tell whether it's true or not.

Giving gifts with bank deposits is a very common marketing tool. Personally, I think the better promotional items are some daily necessities with better quality. For example, I used to apply for a credit card, and China Merchants Bank sent a set of fresh-keeping bowls with good quality. They still use it now, and one of them broke his back. I've been thinking about it. What a pity.

The most expensive gift I have ever received is a brand handbag, which is exquisite, and the market price seems to be more than 200 yuan. It also took a long time.

I heard from a friend of a bank that they often go to the APP to participate in lottery activities, and there will be small gifts such as paper towels, which are also quite bought.

There are also credit card activities, such as discount coupons and vouchers, which are actually very affordable.

This is probably some common sense of saving money in life. You need to pay more attention to bank card activities to get wool easily.