Why are deposits more popular than loans? The reason is simple, because deposit customers are more scarce than loan customers.
At present, banks are not worried about not having loan customers. You can go directly to the bank and wait in line for the loan. These are all people who borrow money and ask the bank. The bank is picky about the loan customers, just like shaking a sieve to screen the customers. High-quality customers give priority to loans, and medium-qualified customers queue up for loans, but generally they will not give you loans.
Another point is that the loan of 500 million yuan is not a small amount, and this amount can even account for more than half of the credit line of some small branches for a whole year. Moreover, the greater the loan amount, the greater the corresponding risk of the bank. In case the 500 million can't be collected one day, call the account manager from the president. Therefore, many banks dare not give such a high loan amount to a single customer.
And 500 million is the lifeline of the bank.
A deposit is like the blood of a bank. Without deposits, banks will find it difficult to survive, especially when wealth management and interbank business are squeezed.
So how important is the deposit to the bank now?
Many banks directly bind the deposit task with bonus, job rating and promotion. And the assessment of the deposit accounts for a large proportion. Some banks even cancel the annual bonus directly if they fail to complete the deposit task. As for rating and promotion, don't even think about it.
On the contrary, if you can bring deposits to the bank, you are the red man of the bank. With savings and generous bonuses, promotion is a natural thing. I know a buddy, a guy from' 87. He has only been in the bank for seven years, flying all the way from teller to branch president. Because people know many rich people, they can pull hundreds of millions of deposits in every year.
It is said that an uncle who is almost 50 years old in their bank is still working at the grassroots level because he can't get a deposit.
The bank is so realistic, with a deposit of 500 million yuan, you are definitely a super vip of the bank.
Nowadays, the competition between banks is very fierce, especially in terms of deposits. Coupled with the spoiler of other baby wealth management products, it is increasingly difficult for banks to pull deposits, so it is no exaggeration to say that depositors have the world.
So you can really deposit 500 million yuan in the bank, which can almost complete the bank deposit task for half a year. The bank is not only happy but also excited. Within the scope of the bank's ability, it is estimated that the bank will find ways to satisfy you under any conditions.