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One day, when the honorable Mr. Jiang walked into the bank lobby, his eyes were attracted by Xiao Li, who was dedicated to duty. As a young and promising teller, although he is still young, he has been in the banking industry for many years and has a deep understanding of various deposit products.
Mr. Jiang admires Xiao Li because he is not only skilled in business, but also always maintains a friendly and friendly attitude towards people.
"Dear Mr. Jiang, are there any new changes in the bank's fixed deposit products recently?" Mr. Jiang took the initiative to ask. As an experienced depositor, he is well aware of the dynamics of the bank's deposit interest rates.
"Hello, Mr. Jiang! There have been no significant changes in the near future. Xiao Li immediately provided Mr. Jiang with the latest information on the fixed deposit interest rate, "1.75% for 1 year, 2.25% for 2 years, 2.75% for 3 years, and 2.75% for 5 years." ”
Mr. Jiang nodded in satisfaction and approving, these interest rate figures have long been familiar to him.
Xiao Li smiled and explained in a sincere tone: "Mr. Jiang, banks will face the assessment pressure of completing a certain amount of deposits and sales of wealth management products every month. If you choose a 3-year CD, it means that you will most likely not use the funds for the next 3 years, which will undoubtedly bring a lot of challenges to our work.
Xiao Li sighed softly, as if he felt a little helpless about this situation.
Subsequently, he further asked: "Xiao Li, since the interest rate level of 3-year and 5-year is comparable, why do banks prefer to recommend 5-year fixed deposits?" ”
Xiao Li nodded seriously in response: "Mr. Jiang, your question is very reasonable. Although the interest rates are comparable, a 5-year fixed deposit is undoubtedly more beneficial for banks to keep their customers' funds in their hands for longer.
"By tying up customer funds for a long time, banks can carry out more medium and long-term loan business, and then obtain good profit returns." Xiao Li continued to analyze in depth, "In contrast, the term of 3-year fixed deposit is shorter, and although the interest rate is relatively high, the contribution to the bank's income is relatively limited.
Mr. Jiang nodded thoughtfully, as if he had a deeper understanding of the bank's considerations. While deposit rates are important, the efficiency of the use of funds cannot be ignored for banks.
"I see, no wonder you prefer to recommend a 5-year fixed deposit." Mr. Jiang was full of emotion, "This time really benefited me a lot. ”
At a time when the macro economy continues to grow and the demand for funds in the market is becoming increasingly strong, it is logical for banks to set their sights on 3-year fixed deposits in order to attract a large number of stable funds to better carry out loan business.
He said with confidence, "At that time, we will go all out to promote the 3-year time deposit product!" Xiao Li's words changed, and his tone became more firm and powerful. As an experienced banker, he has a good understanding of the bank's operational strategy.
"As you know, fixed deposits, regardless of maturity, are a key way for banks to access a stable flow of money. As long as the economy remains healthy and the demand for capital is strong, we naturally expect to be able to absorb more time deposits, regardless of their maturity.
Xiao Li winked at Mr. Jiang as he spoke, "At that time, the three-year fixed deposit will undoubtedly become a popular product highly recommended by the bank."
After listening to Xiao Li's detailed explanation, Mr. Jiang seems to have a deeper understanding of the bank's operational strategy. He pondered for a moment and then bowed slightly, thinking to himself that the bank's product promotion was not static, but would be adjusted accordingly according to the market situation.
Xiao Li bowed his head slightly, stared at Mr. Jiang sincerely, and tried to provide pertinent advice: "Mr. Jiang, your point of view is quite insightful. Compared with fixed deposits, the yield of wealth management products such as large-denomination certificates of deposit (e.g. ICBC's 3-year interest rate of 3.35%) and treasury bonds is indeed higher.
"However, these products have their drawbacks." Xiao Li went on to elaborate, "Taking large-denomination certificates of deposit as an example, although the interest rate is quite attractive, there is often a certain entry threshold, such as the minimum purchase amount of large-denomination certificates of deposit of ICBC needs to reach 200,000 yuan.
"As for treasury bonds, although they are hailed as the 'least risky investment products', they are far less liquid than bank fixed deposits, and once purchased, they cannot be easily transferred." Xiao Li earnestly added, "Therefore, all kinds of investment products are suitable for different types of investors, and you need to make an informed choice according to your actual situation."
Mr. Jiang was impressed by Xiao Li's detailed analysis, and he pondered for a moment before bowing his head slightly. Xiao Li's analysis is indeed convincing, there is no universal plan for investment and financial management, and only those who are most in line with the actual situation of the individual can be called the best choice.
As he spoke, he safely pulled his wallet out of his pocket and decided to set up a fixed account with the bank first. When he took it out, Mr. Jiang did not forget to add: "The reason why I chose the fixed deposit this time is because of its relatively small risk level and convenient operation process.
"In fact, we have to make sure that we have enough liquidity to have cash in hand to face all kinds of unexpected situations."
After hearing this, Xiao Li nodded approvingly and smiled approvingly and said, "Mr. Jiang's point of view is very wise. The reason why the general public is keen on fixed deposits is partly because they want to be able to effectively avoid risks, and on the other hand, because it is really convenient.
"Although the mainland's financial market is gradually improving, bank deposits are still the most traditional and popular way to manage money." Xiao Li went on to elaborate, "Therefore, although the yield on interest rates may be relatively low, the security and flexibility it has undoubtedly made it popular with the general public."
After listening to this, Mr. Jiang nodded with satisfaction to agree with Xiao Li's analysis. As an experienced "depositor", he is well aware of the characteristics of bank fixed deposits.
Xiao Li carefully examined Mr. Jiang, and his heart was filled with deep gratitude. As a loyal old customer, Mr. Jiang not only deposits a huge amount, but also unswervingly chooses the traditional financial management method of bank fixed deposit every time.
This not only greatly relieved Xiao Li's work pressure, but also brought a rich deposit base to the bank.
Mr. Jiang waved his hand with a smile and replied, "As a country with the highest savings rate in the world, savings have become an important part of our daily lives.
Your service has been excellent, and I certainly look forward to building a more lasting and stable relationship with you."
Xiao Li solemnly nodded and promised that he would redouble his efforts in the future to provide customers with more high-quality and efficient financial services.