How to become a postal high net worth customer?

Abstract As a state-owned bank, the Postal Savings Bank of China (PSBC) not only carries out relevant financial services in urban areas, but also brings financial services to rural areas, actively serving small and micro enterprises and rural areas. The Postal Savings Bank has a large scale of development and a wide range of businesses, and its key customer groups are low-end customers. As a new profit growth point for commercial banks, the maintenance of high-net-worth customers has attracted extensive attention in recent years.

However, the operation and management of the Postal Savings Bank in the maintenance of high-net-worth customers is still very weak, and even due to positioning restrictions, many customer maintenance and development measures are in vain, so it is necessary to consider how to focus on solving the maintenance problems of high-net-worth customers. Private banking business has the characteristics of stability and high profitability, and occupies an important position in the maintenance of high-net-worth customers of foreign commercial banks. The Postal Savings Bank can follow the private banking operation model of other banks, absorb the experience of private banking business at home and abroad, and carry out the maintenance of high-net-worth customers.

This paper analyzes the current situation and problems of the maintenance business of high-net-worth customers in the Postal Savings Bank, and puts forward countermeasures and suggestions for the maintenance of high-net-worth customers in the Postal Savings Bank through the analysis and experience of the private banking business of other banks.

This article is divided into six chapters to discuss the countermeasures and suggestions for the maintenance of high-net-worth customers in the N branch of the Postal Savings Bank. The first chapter introduces the purpose, methodology, and innovation of this paper. Chapter 2 sets out the theoretical underpinnings that are relevant to the content of this paper.

Chapter 3 investigates the current situation of high-net-worth customer maintenance in N branch of Postal Savings Bank, and analyzes the favorable and unfavorable conditions for high-net-worth customer maintenance in N branch of Postal Savings Bank. Chapter 4 analyzes the business models of private banking at home and abroad, and summarizes the experience of maintaining high-net-worth clients in the private banking business of each bank. Chapter 5 puts forward suggestions for the maintenance of high-net-worth customers of Postal Savings Bank N Branch.

Chapter 6 is the conclusion and outlook of this paper.

Based on the needs of high-net-worth customers, combined with Maslow's demand theory and the 4C theory, this paper will analyze the favorable and unfavorable conditions of the market environment of N branches of Postal Savings Bank based on the research activities of high-net-worth customers and relationship managers of N branches of Postal Savings Bank, analyze and compare the business models of private banking business at home and abroad, and put forward countermeasures and suggestions for the maintenance of high-net-worth customers of N branches of Postal Savings Bank in terms of institutional setting, manpower training, channel establishment, infrastructure construction, brand image and other aspects.

How to become a postal high net worth customer? In this case, as long as you have a large amount of money in your hand, you will make a flowing financial management in the bank, so that you will slowly form a high-fat customer group.

This is generally a deposit of a certain amount to become this kind of customer, you can consult the bank staff yourself.

Because postal high-net-worth customers need to save a large amount of money in postal savings.

How to become a postal high net worth customer? It depends on your efforts, and if you study hard, or have experience in this area, it is possible.

It is necessary to save a lot of money, and to have a stable job, such as a government agency and a corporate executive.

To become a customer with equal assets in the pastry department, you must deposit a large amount of certificates of deposit to become a Gold Card VIP

If you want to become a high-net-worth client of the postal service, you must first have sufficient funds, which are deposited with the postal service and have little access.

Postal high-net-worth customers can purchase ** to add value.

That's different, it's not the same paper, and a lot of it is with him.

How to become a postal high-net-worth customer can consult the staff of the postal hall.

Postal high-net-worth customers recommend that you log on to the relevant postal ** to consult.

The criteria for high-net-worth customers of PSBC must meet any of the following three conditions:

1. A natural person who subscribes for a wealth management product of not less than RMB 1 million in a single transaction;

2. When subscribing to wealth management products, personal or family financial net assets.

A natural person with a total amount of more than RMB 1 million and who can provide relevant proof;

3. Natural persons whose personal income exceeds RMB 200,000 per year in the last three years or whose total household income exceeds RMB 300,000 per year in the last three years, and who can provide relevant proofs.

Further information: 1. China's postal savings can be traced back to the postal savings business established in 1919, which has a history of 100 years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Co., Ltd. was formally established.

In January 2012, the overall restructuring was made into shares. In December 2015, 10 domestic and foreign strategic investors were introduced. In September 2016, it was listed on the Hong Kong Stock Exchange.

In December 2019, on the Shanghai Stock Exchange.

Listed on the stock exchange, the three-step reform goal of "share reform - leading the battle - A and H listing" was successfully completed.

2. The Bank has nearly 40,000 business outlets, serving more than 600 million individual customers in Lizhaozhou, giving full play to the advantages of the unique model of "self-management + **" to serve the "three rural areas".

Urban and rural residents and small and medium-sized enterprises. With excellent asset quality and significant growth potential, we are a leading large-scale retail bank in China.

3. The Bank adheres to serving the real economy, actively implements national strategies and supports the construction of China's modern economic system, and achieves its own sustainable development.

Adhere to the customer-centric, create an online and offline interconnected, integrated financial service system, and provide customers with high-quality, convenient and efficient integrated financial services. Adhering to the risk-oriented approach, we continued to improve the construction of a comprehensive risk management system of "comprehensive, whole-process, and all-staff", and maintained an excellent level of asset quality. Adhere to the mission of "inclusive urban and rural areas, so that financial services have no distance", and provide inclusive financial services; In line with the trend of residents' wealth growth and consumption upgrading, the development of wealth finance; support the transformation and upgrading of industrial structure and the development of industrial finance; Implement carbon peaking.

Major deployment of carbon neutrality and the development of green finance.

Empower high-quality development with financial technology.

Build a digital ecological bank that serves rural revitalization and new urbanization. Be careful.

Summary. Net worth products are one yuan today, tomorrow may be yuan, this is the net worth product, in the investment process there are changes in returns, there may be negative returns, non-net worth products are generally identified by the expected return interest rate, such as investment 180 days of expected annualized rate of return of 4%, the actual maturity will pay 200 yuan interest, similar to deposits, so the state in order to break the new regulations on asset management, in general, the risk of non-net worth products is low, net worth products are the trend, the income will be higher than non-net worth products, The above is only a personal opinion and is for reference only, investment is risky and should be cautious.

Hello, glad to answer for you. The asset management of postal high-net-worth clients is safe.

The operation mode of net-worth wealth management products is similar to that of the open-ended chain**, in the pre-set open period, investors can subscribe and redeem at any time, and the expected return of the product is also directly related to the net value of the product. And in the whole process of operation, Bu Tuansun has no expected return on the product, and the bank does not promise to fix the expected return, and the change in the net value of the product determines the amount of expected return or loss of investors. Therefore, it is essentially what we see as non-principal-protected floating or judgmental financial management.

Net worth products are one yuan today, tomorrow may be yuan, this is the net worth of products, in the investment process of income has changed the source of band, there may be negative returns, non-net worth products are generally identified by the expected return interest rate, such as investment 180 days of expected annualized rate of return of 4%, the actual maturity will pay 200 yuan interest, similar to the chain state in the deposit, so the state in order to break the new rules on asset management, in general, the risk of non-net worth products is low, net shed crack value products are the trend, The income will be higher than that of non-net worth products, the above is just a personal opinion for reference only, investment is risky and needs to be cautious.

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