Banks believe in the "28 rule", that is, 20% of high-end customers bring them 80% of profits, so in order to win these 20% customers to stay in their own banks, it is natural to provide some big meals as much as they can:
1. prime loan interest rate. Usually you can enjoy a discount of 5% ~ 10%, so you can save interest.
2. The credit line is higher. Today, with the popularity of credit cards, it is really convenient to have a higher overdraft limit.
3. reduce fees. For example, bank cards can be exempted from annual fees, and remittance fees can be discounted, saving some pocket money.
4. Consumer discount. Now banks and major businesses are integrated, and one VIP can become multiple VIPs.
5. Value-added services. It is not enough to just reduce VIP, so the bank also provides some additional services within its power, such as free medical examination, free legal consultation and various fast-track services.
VIP threshold
1. deposit. The easiest way to become a VIP customer quickly is to have a certain amount of money in the bank (usually 300,000 yuan a day).
2. Loan. Sometimes you can become a VIP of a bank with enough loans and no bad records.
3. products. If you have been buying insurance, funds, national debt, local and foreign currency and other financial products in a bank for a certain amount, you can also become a VIP customer after applying.
4. Identity. The top managers of some large enterprises have always been the focus of banks' attention. In order to ensure that corporate accounts remain in their own banks, banks are also willing to treat them as guests.
VIP channel
1. Consolidated deposit. Nowadays, many people have several cards, so some money is stored in different cards unconsciously, so you need to quickly integrate the money into one card and make up the deposit limit for VIP customers required by this bank as soon as possible.
2. Take the initiative to apply. Maybe your current assets can't meet the requirements of the bank, but it's very close to the goal, and you have the ability to reach it as soon as possible. At this time, you might as well talk to the bank. Once approved by the bank, you can enjoy VIP service as soon as possible.
The bank provides VIP service.
In recent years, with the development of China's economy, the accumulation of personal wealth has accelerated, and the trend of diversification and differentiation of personal financial needs has become more obvious. To this end, all commercial banks have focused on high-end customers in the competition of personal financial services. "VIP" service has become a new feature of banking services. Banks not only provide quality services to customers, but also convey a fashionable life concept to customers.
The so-called VIP service means that banks try their best to meet the different needs of high-end customers. Its contents are mostly priority or appointment service, personal finance, simplified procedures, financial information provision and emotional care.
In recent years, with the development of China's economy, the accumulation of personal wealth has accelerated, and the trend of diversification and differentiation of personal financial needs has become more obvious. To this end, all commercial banks have focused on high-end customers in the competition of personal financial services. "VIP" service has become a new feature of banking services. Banks not only provide quality services to customers, but also convey a fashionable life concept to customers.
The so-called VIP service means that banks try their best to meet the different needs of high-end customers. Its contents are mostly priority or appointment service, personal finance, simplified procedures, financial information provision and emotional care.