Q: How does CCB locate high-end customers? Is CCB's standard for defining high-end customers consistent across the country?
A: CCB divides high-end customers into head office customers and branch customers. The average monthly balance of financial assets of head office-level customers in CCB within one year is more than 500,000 yuan, or the average monthly balance of personal loans within one year is more than 6,543.8+0,000 yuan, and the repayment situation is good, with no bad records, or the accumulated consumption of dragon cards within one year is more than 6,543.8+0,000 yuan. The standards of head office-level customers are unified nationwide. The average monthly balance of financial assets of CCB branch-level customers is more than 200,000 yuan during the year, or the average monthly balance of personal loans is more than 500,000 yuan within one year, the repayment situation is good, there is no bad record, or the accumulated consumption of dragon cards is more than 50,000 yuan within one year. Branch-level customer standards are the reference standards of branches, and branches can also customize branch-level customers according to local conditions.
Q: What wealth management products does CCB have for high-end customers?
A: Personal financial consulting business, financial package service, innovative loan products, investment and wealth management products and bank wealth management products can be divided into five categories. Among them, innovative loan products include floating mortgage loans and comprehensive credit loans, and investment and wealth management products include foreign exchange wealth management products, income-oriented RMB wealth management products, trust products, OTC treasury bonds transactions, gold transactions and personal foreign exchange transactions.
Q: Can you tell us more about the two types of loan products of China Construction Bank?
A: Yes. Housing mortgage loan with floating quota is mainly for high-end customers. After the customer mortgages the real estate, China Construction Bank will issue a revolving credit line to the customer according to the customer's demand, and the customer's credit line will fluctuate and be dynamically adjusted by year, quarter or month to meet the customer's financing needs for different periods and purposes. Comprehensive credit loan refers to setting mortgage, pledge and credit lines for customers according to the needs of customers and the values and credit ratings of mortgaged assets and pledged assets provided by customers, and giving comprehensive credit to customers after summarizing relevant lines. Customers can freely control the loan within the credit line and term, and the loan can be recycled.
Q: What services can personal financial consultants provide to customers? Is the financial package service tailored to the specific financial situation and investment preferences of customers?
A: CCB's personal financial consultants are mainly financial planners, who can provide services such as family financial analysis, creditor's rights and debt management, insurance planning, investment planning, residence planning, education planning, tax and inheritance planning, and retirement planning. According to the specific financial situation and investment preferences of customers, the financial package service divides products into three categories: active, stable and safe. On the premise of fully understanding and meeting customers' financial needs, the account manager will provide customers with investment product suggestions and investment income calculation, such as savings, book-entry treasury bonds, funds, insurance, local and foreign currency financial planning, trust, etc. , and provide customers with corresponding market investment information analysis and reasonable conversion of investment products and other supporting value-added services for fund products.
Q: Can you introduce the six types of investment and wealth management products of China Construction Bank in detail?
A: First of all, talk about foreign exchange wealth management products. The rate of return provided by our foreign exchange wealth management products is very competitive in the domestic market. The method of "daily accumulation of foreign exchange structured deposits" is introduced. According to the actual change of dollar LIBOR in six months, the interest is calculated daily according to the period falling within the set interval. In terms of RMB wealth management products, Lideying RMB wealth management products provide RMB wealth management plans for customers who require low-risk investment. Our professional fund team invests in low-risk treasury bonds and central bank bills to provide customers with low-risk, high-liquidity and relatively stable return on investment. Trust products are the cooperation between the Bank and powerful financial enterprises in the industry, such as CITIC and CDB, which are aimed at high-end customers, meet their needs for stable and high return on assets, and enrich their investment portfolios. Counter treasury bond trading means that high-end customers can indirectly participate in the interbank market through CCB outlets for treasury bond trading. The interest rate is higher than that of fixed-term savings and certificate-based government bonds, and interest tax is not required. In terms of gold business, the Bank has opened personal account gold trading and personal physical gold trading, mainly Changjingding trading. Personal physical gold trading is more suitable for investors with collection, gift giving or long-term investment needs; Personal account gold (paper gold) trading is more suitable for investors who want to profit from the spread. In terms of foreign exchange investment, our bank provides customers with personal foreign exchange trading services in eight major foreign currencies, such as euro, Japanese yen and Australian dollar, and provides 24-hour uninterrupted service. We also provide personal foreign exchange options trading services in six major currencies and four maturities in Beijing and Shanghai.
Q: What are the channels for providing services to high-end customers? What value-added services are there?
A: In terms of service channels, CCB has specially set up a VIP service area for high-end customers, including a wealth management center, a personal wealth management center, a wealth management room, an open counter and a wealth management window, so that high-end customers can enjoy a priority, elegant and comfortable service environment. In terms of value-added services, CCB launched domestic airport guest service and business travel value-added service for high-end customers. In addition, CCB will launch value-added services such as medical and health services and automobiles for high-end customers in the second half of 2006.
Q: It is reported that China Construction Bank will open off-site services in some cities across the country. What is the content?
A: We will launch eight remote services for high-end customers in Beijing, Shanghai, Hangzhou, Guangzhou and Shenzhen, including arranging account managers to accompany customers to deposit and withdraw money and transfer money in different places according to customer needs; According to the need to send security guards and vehicles to escort the remittance of deposits and withdrawals in different places; Provide customers with investment consultation in different places; Provide remote business consultation for customers on * * * *; Contact the shuttle bus (car) in different places to book hotels in different places on behalf of customers; Acting as an agent for booking air tickets and renting cars in different places; Provide small conference and exhibition venues. In the family care service, provide official tips, birthday reminders, warm greetings, etc. For customers in different places themselves or their key stakeholders.