When I went to the bank to make a deposit, why did the bank give me a bag of rice?

If you have been to the bank to make a deposit, you may be stunned by the many goods in the bank outlets, the bank hall has placed a variety of small gifts, when you walk into the bank hall, you feel like you have come to the supermarket, then why does the bank place these small gifts in the hall? The bank places these small gifts in the lobby to attract users to the bank to deposit, and the small gifts are decided according to the amount of the user's deposit in the bank.

The user goes to the bank to make a deposit, and the bank sends a small gift to the user, which is a common method for many banks to absorb deposits, especially some banks in small cities like to use this way to absorb users' deposits. In some small cities, users are very interested in some similar to rice, edible oil.

There is a certain demand for goods, and the amount of user deposits in small cities will not be very high, to send rice, edible oil and other gifts to these users, just in line with the needs of these users, many users in order to be able to get the bank's rice, edible oil and other gifts will go to the bank to deposit.

The main purpose of the bank is to attract the user's deposit, the deposit interest rate of each bank.

In order to enhance the competitiveness in the local area, some branches absorb deposits by giving gifts to users, in fact, this is also a disguised interest rate hike, but this part of the interest is directly converted into goods, which is just a change of way for users.

Bank deposits in our country.

Interest rates have been marketized, but there are still certain rules for the interest rates determined by banks, and generally the larger the bank, the lower the deposit interest rate, mainly to reduce the cost of obtaining deposits, and the larger the bank loan interest rate.

It is also low, bringing benefits to the bank's loan users. Some smaller banks will give a relatively low deposit interest rate, because small banks have fewer outlets, and it is difficult to obtain deposits, and if you want users to deposit in banks, then you can only obtain more deposits by raising the deposit interest rate, and the corresponding loan interest rates issued by these banks will be higher, because the cost of obtaining funds is higher than that of large banks.

When you go to the bank to make a deposit, the bank gives you a bag of rice, which is actually a marketing way for the bank to get the deposit.

Banks want you to be able to deposit more money in the bank.

It is a marketing strategy of the bank, hoping that the more money you deposit, the more gifts you will give, in this way to attract bank customers to make deposits.

When you go to the bank to make a deposit, the bank also gives you a bag of rice, because you have saved a lot of money to the financial products he introduced, if my guess is correct, the financial products you bought are actually a loss.

I think it's because there are more and more banks now, and now everyone will choose to deposit money on Alipay or WeChat. All banks will use this method to retain old customers and attract new customers.