Economy** Author: Su Ruiqi.
At the end of the year and the beginning of the year, with the issuance of year-end bonuses, banks have launched financial marketing activities for customers' year-end bonuses. Many banks have marketed their businesses to customers. Taking advantage of the craze, banks mainly launch products with the theme of the Year of the Dragon. For example, the Industrial and Commercial Bank of China (ICBC) has launched the Master Zodiac Gold Fuxing Dragon, the Agricultural Bank of China has launched the Treasure Year of the Dragon Zodiac Gold Bars, and China Merchants Bank has launched products such as the China Merchants Bank Golden Time Running Product (Year of the Dragon Special).
The bank's marketing of the best business is even more overwhelming for customers. Some customers reported to reporters that as soon as he stepped into 2024, he continued to receive first-class business advertisements pushed by many banks. The incentives mentioned in these advertisements are also varied, including discounts per gram for orders, WeChat instant discounts, and promotional activities such as commemorative banknotes and stamps for the Year of the Dragon.
A number of bank staff told reporters that the sales volume of bank zodiac gold bars this year was higher than in previous years, and the first-class products represented by ** have become the "sweet and sweet" of financial management. Judging from the situation in previous years, more than a month before the Spring Festival has always been the peak period for product consumption. Domestic investors generally prefer to invest**, and there are more people who pay attention to it, and it is more convenient to market naturally. Gold bars** from commercial banks are usually about 10 yuan per gram on the basis of the international gold price, which is cheaper than that of shopping malls.
Why have banks recently increased their marketing efforts? Lou Feipeng, a researcher at the Postal Savings Bank of China, said that from a macro point of view, the Fed has raised interest rates at a high level after a large interest rate hike from 2022 to 2023, and will face pressure to cut interest rates in the future. Historically, the Fed has performed better in the later stages of its rate hikes. At the same time, in recent years, the global economic recovery has faced uncertainties, and geopolitical conflicts have increased the risks and hidden dangers. These all highlight the investment value of ** as a hedging asset, and the bank recommends *** and other *** businesses to customers in order to enrich residents' investment**, and realize the diversification of asset allocation while improving residents' investment and financial returns.
In the interview, the reporter learned that investment and bank wealth management have both overlaps and differences. Investments include both physical objects like gold bars and coins, as well as virtual ones like paper. There are obvious differences between investment and bank wealth management in terms of investment objects, risk-return characteristics and liquidity. Bank wealth management is generally "not put in one basket", investing in the money market, bond market, and ** market, and ** investment is mainly linked to ** this specific commodity. **The risks and returns of investment are affected by various factors such as international politics, economy, and exchange rates, and fluctuate greatly. Once international and domestic investors are often difficult to "stay alone", investment income may decline or even lose. However, investment is more flexible than bank wealth management and can be bought and sold at any time during trading hours, while bank wealth management usually has a fixed investment period, and early redemption may require a certain fee. Therefore, when choosing a product, investors should consider it comprehensively according to their own risk tolerance, investment objectives and capital liquidity needs.