I heard that banks offer a specially customized "exclusive deposit". Is that true? Is this type of deposit good or not? Can I purchase it?
You seem to be quite knowledgeable, as not many people are aware of the bank's exclusive deposits! However, those who have dealt with it are all praising it with both hands. So, is this type of deposit good or not? The answer will be revealed soon.
Speaking of "exclusive deposits," it is the same as the "special deposits" we mentioned in our last program. The safety, principal protection, and guaranteed returns are all well-arranged, and the deposit insurance system is also a given. Today, let's mainly talk about some of its characteristics.
Since it's an "exclusive deposit," the special feature is the word "exclusive." Simply put, it is a product that is specially customized. So, who is this specially customized product for?
We can divide it into three channels. After understanding these three channels, everyone will understand what "exclusive deposits" are.
The first one is the exclusive group.
This is easy to understand. It refers to the exclusive products that banks launch for different customer groups.
For example, targeting the elderly customer group, some banks have introduced products that can only be purchased by people over 65 years old.In addition, during specific holidays, such as Teacher's Day, Army Day, and Nurses' Day, exclusive savings products for the aforementioned groups will be launched. It's that simple. Of course, the interest rates for these types of savings are definitely higher than those for regular products. The most critical point is that if one does not belong to the specific group stipulated by the product, they cannot purchase such products.
The second is product exclusivity. This refers to a type of savings product that banks introduce specifically to promote a certain product, such as social security cards or children's treasure cards. As long as one holds this type of card, they can purchase the corresponding exclusive product. If you are not satisfied with ordinary products, you can certainly apply for an exclusive product and enjoy the corresponding exclusive savings. This is also a method to choose high-yield products.
The third is regional exclusivity. This is also easy to understand. Some banks will introduce exclusive products for different regions. For example, in response to the "Rural Revitalization" strategy, banks will launch exclusive products for county-level areas, meaning that these products can only be purchased at branches below the county level. Other bank branches will not be able to purchase them due to corresponding parameter settings.
Of course, these products do not restrict the group of people or bank cards. As long as you go to the designated branches in these specified areas to purchase, it is possible. If you want to buy this type of product, you can go there specifically to handle it, and there should be no problem.
Through the above introduction, I believe everyone has already understood some characteristics and handling rules of "exclusive savings." In fact, the introduction of exclusive savings is also a microcosm of the personalized development of banks. By different exclusive channels, banks can achieve personalized development and effectively obtain the corresponding customer resources.And under these rules and policies of the banks, we ordinary people actually have another way to choose high-yield products, which broadens our options. Why not take advantage of it?
That's all for now. If you find my words somewhat reasonable, please give a strong thumbs up by long pressing the like button. Thank you all for your support and recognition.
