the group shopping mode of "the more people, the lower the price" is very popular in daily life. Recently, many banks have also caught up with the fashion and launched "group loan" promotion activities. The marketing model of Grouping is to turn customers into sales, make full use of the social function of mobile Internet, and expand market share with lower customer acquisition cost. The marketing model of Grouping is to turn customers into sales, make full use of the social function of mobile Internet, and expand market share with lower customer acquisition cost.
since private banks have only one business outlet, it has always been a long-standing problem to absorb deposits. It is they who first started to innovate marketing methods with the help of the Internet.
under the epidemic situation, the scale of consumer loans has shrunk rapidly, and at the same time, it is shouldered with the policy expectation of stimulating consumption and expanding loans. It is not surprising that banks actively introduce new ways to play group loans.
The mode of "teaming up" that e-commerce platforms often play is being "stolen" by more and more banks. Zheshang Bank, recently, more than 1 banks, including Shanghai Bank, Nanjing Bank and China Construction Bank, have successively launched the activities of "group financing", "group deposit" and "group loan".
1. Banks make profits to expand customers
China Construction Bank is the first among the five major state-owned banks to offer group loans. At the beginning of 22, China Construction Bank updated the App and added the function of "pooling deposits" in the column of deposit products.
there are four kinds of products available for "group deposit": three-month time deposit for two people with interest rate of 1.54%; 6-month time deposit for two people, with interest rate of 1.82%; One-year three-person group with interest rate of 2.1%; For a three-year two-person group, the interest rate is 3.8%.
The specific operation is very simple: mobile banking users initiate "group deposit", send the generated links to the group, and invite friends and relatives to join the group. When the number of people who make up the group meets the requirements, the group will be formed automatically, and the system will initiate bulk purchase of products. The last product mentioned above not only raised the interest rate of customers' time deposits, but also lowered the deposit threshold.
2. The interest rate of big banks is as low as 4.35%
Everyone must be familiar with ICBC's e-lending. Rong e-loan is an unsecured and unsecured RMB loan issued by ICBC to borrowers who meet certain conditions for personal legal and compliance purposes.
this product has been promoted fiercely recently, and the interest rate is as low as 4.35%. The reporter learned from the official WeChat of ICBC that from now until March 31, 22, all E-Lenders will uniformly implement a fixed preferential price with an annual interest rate of 4.35%, with a loan of 1, yuan and a daily interest rate of .66 yuan.
According to the relevant staff of Zhujing Sub-branch of ICBC, you can enjoy an annual loan interest rate of 2.7% for the e-installment business in this bank before the end of this month, and the longest loan period is 5 years. "This interest rate is very low. A loan of 1, yuan only needs less than 2, yuan per month. However, it is limited to consumption, cash cannot be withdrawn, and it can only be opened online. " The staff told reporters that the interest rate of the original e-stage was 6%.
3. CCB's "fast loan" recently reduced the interest rate to a minimum of 4.35%. However, it also has a certain threshold. For individual CCB customers with good credit, as long as they handle business in CCB (such as saving money, purchasing wealth management, government bonds, funds, loans, paying wages, etc.), they may get a quota. For details, you can check your quota and interest rate on CCB mobile banking.
Recently, the reporter also received a short message from the Agricultural Bank of China, saying that from now until April 3th, the online loan of the Agricultural Bank of China will carry out preferential activities, with an annual interest rate as low as 4.8%. Now, the signing application is valid for one year. However, the interest rates of "Netjet Loan" of Agricultural Bank of China in different regions are not exactly the same, depending on the qualifications of customers, but they are all around 5%, which is still cheaper than before.
4. In addition, China Postal Savings Bank has launched a postal salary loan with a maximum amount of 3, yuan and a daily interest rate of .86 yuan, which is about 5.67%. At present, China Bank of Communications is also implementing the one-person one-price policy, with a minimum of 5.76%.
The reporter learned that many banks also have preferential measures for medical staff. For example, from now until April 3, diamond card customers who hold BOC Xinglin card, BOC payroll customers who include keywords such as "hospital, outpatient service" in enterprise units, and customers who deposit the province's provident fund can enjoy a minimum annual interest rate of 4.75% when applying for BOC e-loan through Bank of China mobile banking.