Anyway, yesterday afternoon, it was still relatively cold in the snow. I have a friend, let's call her Miss Zhang. Ms. Zhang has a lot of money and wants to deposit a sum of 3 million yuan in the bank. So, she went to a bank near her home, intending to handle the deposit business.
When Miss Zhang walked into the bank, she saw that the interior was decorated with gold, and the tellers greeted her with smiling faces. She walked to a window, sat down and began to make a deposit. Who knows, as soon as the teller heard that she was going to save 3 million, her eyes suddenly lit up, and she began to ask about the origin of the money.
Miss Zhang didn't think much about it, and told the truth that the money was withdrawn from the Bank of China next door. When the teller heard this, she became curious and asked her why she didn't continue to deposit money in the Bank of China, but came here to deposit. Ms. Zhang explained that she had heard that the bank had a reward for savings, so she wanted to save her money here.
At this time, the attitude of the teller became more and more enthusiastic. She began to recommend various financial products to Miss Zhang. She said that the interest on deposits is pitifully low now, and it is better to buy some wealth management products, which are much more profitable. When Miss Zhang heard this, she was a little puzzled. She doesn't know how to manage money, she just wants to save her money and rest assured. So, she politely rejected the teller's suggestion.
Who knows, this teller did not give up, and persuaded Miss Zhang to save three years instead of saving for one year, which is more flexible and can deal with emergencies. When Miss Zhang heard this, she strengthened her determination to save for three years. She felt that since she wanted to save money, she had to save for a long time, so that she could be more assured.
Seeing that Miss Zhang was resolute, the teller didn't say anything more. She quickly checked in for Miss Zhang, and then sent her away with a smile on her face. Miss Zhang walked out of the door of the bank and couldn't help but feel a little emotional. She couldn't understand why the staff would introduce products she didn't need when she was saving money now. Is this what is called "deposit anxiety"?
When Miss Zhang told her friends about this, everyone also talked about it. Some people say that this is the method used by banks to promote wealth management products; Some people also say that the competition among banks is fierce, and in order to attract customers, even the deposit business has to hitchhike on wealth management products.
Actually, it's not complicated. Bank staff recommend wealth management products, on the one hand, to complete the performance, and on the other hand, to allow customers to obtain higher returns. It's just that the way and method of this recommendation have to pay attention to the degree. For a customer like Ms. Zhang, who just wants to save her money and rest assured, then the bank should respect her choice instead of blindly selling wealth management products.
As for the "deposit anxiety", to put it bluntly, it is caused by the information asymmetry between banks and customers. Banks are worried about the loss of customers and funds; And customers are worried that their money will not be used and increased in value. To solve this problem, it depends on the communication and understanding between the bank and the customer. Banks need to fully understand the needs and risk appetite of their customers; As for customers, they also need to have a basic understanding of the bank's business and products. In this way, we can achieve mutual benefit and win-win results, and everyone is happy!