Go to a bank how many money putting to you can talk about accrual with the manager?

Does with manage finance and economics manages or client manager talk? Their level short of, use without what actually. The bank has bargain interest rate, president of average subbranch of a bank has the right to go to superior ask for instructions whether executive bargain interest rate, and having interest rate of one share negotiate a price is a bank early had made, want to satisfy a condition to be able to be carried out only.

The distinction of common saving interest rate and bargain saving interest rate

Common saving interest rate is to show the bank hangs out his shingle external saving interest rate, and bargain interest rate is the distinction that after showing the client satisfies certain requirement, ability enjoys the special interest rate at common saving interest rate. Cite a simple case, our bank 1 year period time deposit hangs out his shingle interest rate is 2.025% , when client deposit amount achieves 10 thousand yuan of above, can implement bargain interest rate 2.1% , 100 thousand yuan word, 1 year accrual gave 100000 × with respect to how (2.1%-2.025% ) =75 yuan, although not much, but interest is real much!

Big deposit receipt

Big deposit receipt also is to belong to a kind to have actually fasten the product of bargain interest rate at common time deposit, just resemble the case that cites above me same, it is the product of bargain interest rate that the bank has made already, want a client to be able to satisfy place require a condition only, need not apply for designedly executable. Of big deposit receipt case put amount to be 200 thousand yuan at least, state-owned bank asks commonly 300 thousand yuan of above. Photograph of interest rate of time deposit of general all bank is more fiducial than the Central Bank 30%-40% of interest rate rise, and the interest rate of big deposit receipt wants apparently a lot of taller, since April, the photograph of interest rate of big deposit receipt that state-owned bank publishs is more fiducial than the Central Bank interest rate rise 45% , photograph of bank of countrywide share-holding system is more fiducial than the Central Bank interest rate rise 50% , local bank photograph is more fiducial than the Central Bank interest rate rise 55% . Cite a the simplest case, the Central Bank 3 years period fixed and standard interest rate is 2.75% , common and fixed put interest rate to be 2.75% × 1.3=3.575% commonly surely, interest rate of big deposit receipt can achieve 2.75% × 1.55=4.2625% .

Circumstance of interest rate of other negotiate a price

Beyond the product of bargain interest rate that has made already besides the bank, return the product of bargain interest rate that a few is make temporarily. For example before paragraph I recieved time a client, it is in us the bank is bought before him protect this model conduct financial transactions, but as be born of endowment canal new rule, our bank cancelled to protect this model the sale of product of conduct financial transactions, he thinks what put fund into 5 million yuan is fixed, the interest rate of big deposit receipt that feels we go again at the same time is malcontent sufficient his demand, below this kind of circumstance, to defend our client that put an amount, I offerred the application of bargain interest rate like the president, equipment signs up for like ranking travel again after the president is examined and approve, we were carried out for the client alone protect with the corresponding period this model the bargain interest rate with same interest rate of product of conduct financial transactions. Can say, bargain interest rate is in every banking orgnaization is existence, just put amount to rising the demand is higher, this also is the thing that does not have method, if you are not a client to implement bargain interest rate, other bank can dig your client immediately!