1, compared with previous years, the key tasks of this "good start" are more diversified, and the sales enthusiasm of bank employees for asset management products, bancassurance products and fund products has increased. However, storage is still a key project of banks.
2. A variety of marketing methods The so-called "good start" is a marketing activity launched by commercial banks during the New Year, usually from 65438+February to February of the following year. In the "good start" period, the bank's business volume plays an important role in the business development throughout the year. Banks have made a lot of efforts in the mobilization and marketing of the "good start" activities.
3.165438+1On October 20th, Ping An Bank Fuzhou Branch held the kick-off meeting for 2022. Relevant business management departments and product managers publicized the business modules such as the goal of "getting off to a good start", resource allocation, asset business style and competition scheme. The lobby manager of a branch of a joint-stock company told the reporter that if a "good start" is to be truly "red", it must be red, and the bank is preparing a customer salon.
4. It is reported that the customer salon is mainly based on parent-child theme games, and customers with certain assets will be invited to participate every year. Some customers will buy financial products during the "good start" to qualify for the event. Gifts are also a "sharp weapon" to attract customers. Another joint-stock bank launched a fancy lottery. With the newly-added capital of 1 10,000 yuan, customers can get amusement park tickets, mountaineering equipment, precious metals and other gifts by turning the wheel of fortune once.
5. Diversification of tasks is different from previous years. In this "good start" activity, the enthusiasm of financial managers to market bank deposits has declined, and more is to recommend bancassurance products and fund products. The financial manager of a state-owned bank recommended to reporters to buy annuity insurance. According to reports, the product was jointly launched by banks and insurance companies. It has three years, five years and 10 years. The annualized rate of return is about 4.5%, which can be calculated by compound interest, and the annual investment is also very flexible. If customers can buy before the end of the year, there is still a chance to get a shopping card. "If you have certain economic strength and risk tolerance, you can also buy the asset management plan launched by our bank.
6. Because the allocation of equity assets of such products is higher than that of general wealth management products, the income may be more considerable. "The financial manager said. The staff of a joint-stock bank recommended a long-term bancassurance product to the reporter. "According to your risk preference, you can also buy the fixed investment products of the fund. Although there are some fluctuations in the short term, long-term holding can get good returns. "She said. Storage pressure still exists.
7. During this "good start" activity, many banks have sufficient credit business reserves, but the pressure of saving is greater than in previous years. "In previous years, near the end of the year, we can transfer some profits for our customers according to the income of one year, raise the interest rate of large deposits and attract savings funds. However, after many interest rate adjustments this year, the interest rates of large deposit certificates of banks are at the same starting line, and the advantages of savings deposits are not obvious. " The person in charge of a branch of a joint-stock bank told the reporter. The vice president of a local branch of a joint-stock bank said that after the adjustment of the quotation method of bank deposit interest rate in June this year, the interest rate of time deposits with a term of more than 1 year decreased, and the attractiveness of deposit products to customers decreased.
8. In order to attract customers' deposits, some banks raised the interest rates of inter-bank time deposits and time deposits. "Recently, the interest rates of inter-bank time deposits and three-month and six-month time deposits have risen, and more than 2 billion funds can also apply for interest rate hikes." The staff of the inter-bank department of a stock bank said.
9. The person in charge of a branch of a state-owned bank said that "public-private linkage" is the most efficient strategy at present. "The development of high-quality agency customers by corporate departments can quickly bring a large amount of deposited funds to banks and obtain a large number of long-term and stable retail customers. Similarly, the retail department can also open a company account in the bank and purchase savings products by tapping the customers of company executives. In addition, live broadcast, short video and other forms are also important ways for banks to expand customer acquisition channels. "