Experience foreign capital bank if yous have 1000 thousand

Experience foreign capital
December 11,2006, China to foreign capital bank the overall open RMB affir of retail trade. 4 days after, Shanghai person may when the few bank of foreign capital opens RMB deposit account , but store from assigned RMB 1000 thousand Yuan.
If yous have 1000 thousand, in that day,
If you no 1000 thousand,
Remit plentiful bank spokesman language to bring spring breeze land say: " today has received some of Chinese customers to stock RMB. " in this sentence words when capital bank hears , should is cold wind Se Se.
Just come up the bank of East Asia, ensuring safety to hurry for us pull open the - - - bank of front door of receipts and payment to be no less than one-hundred times or the courteous reception that gets for the first time like hotel.
No counter, no safety glass cannot see the trace of money. This bank looks picture ordinary company, is when remarkable location is many and some to take first picture. The another bank of foreign capital, a clothing simple middle-aged female takes waiting on sofa, a cup of coffee on tea table emits steam.
The few bank of foreign capital shows simultaneous,
Shanghai open RMB" million deposit" first Japan,
It is so that "entrance ticket"
Ensuring
December 15, a ordinary Friday
9 rivers on the road breakfast stall keeper, 32 ties pile, look anxiously every passerby in a hurry that endures from before stand, peddling for today finally few groups that leave Zi meal and some cups of soya-bean milks. The behind of these refreshments stands is heart - - - The Bund of Shanghai banking industry.
Standing in refreshments to spread former one raise head , besides a horizontal road, the signboard of " the bank of East Asia " is especially conspicuous. Along signboard, have found very quickly to be located in Chinese mouth on the road one seem the building of resident building. Skirting building have gone to the most circle , have not discovered the main entrance of bank. Under careful survey, have just discovered that the entrance - - - width of front door of bank is below two meters, is thick to see the entrance of and old type resident building is the same as , possibly real is wine perfume does not fear that lane son is deep?
Enter the bank of foreign capital for the first time, in pocket naturally, no 1000 thousand Yuan takes the "entrance ticket" of price. Approximation , is rubing the cleaning of the bank signboard of East Asia work looks for us on one, atmosphere has embarrassment for a short while.
The good security at entrance sees us to come up , pull open the - - - bank of front door of receipts and payment at once to be no less than one-hundred times or the courteous reception that gets for the first time like hotel , it does not be been accustomed to rather that falling feel.
" what may help the your? " security inquires politely with Putonghua. We know that we come to " open an account ", he draws us warmly very much forward Miss Tai a - - - Miss around 25 years old, weak make-up and a plate of hair worn , deep grey quality uniform.
No counter has no safety glass, cannot see the trace of money, the district of staff member of official business besides few steps - - - bank looks as if ordinary company, is when remarkable location is many and some to take first picture.
" welcome
" Miss, do you think of open
" RMB.
" do not think with good intention,
" RMB business
" now has opened the quota deposit more than
" we like your bank merely
" we already to silver prison can put forward small degree RMB deposit application, but not know some time, then can receive notice. A lot of banks have put forward application , if have needs, you may dial our free telephone to carry out consulting and 24 hours of service. " have no few sentence words, proscenium Miss has refused us for gentle and mild way.
See reporter still a face embarrassment appearance,
Turn round to go out , Miss a sentence that do not forget " thank that come , welcome comes next time again ". See all situations in the security of vision , have opened door again for us, the clean aunt of entrance has glanced sideways at our a glance again.
There is
From East Asia, bank has gone directly into national city bank of New York of a street that separates. Is close to The Bund, national city bank of New York and Dutch bank stand shoulder to shoulder , it is a lot of that appearance also not very has showy location.
The security of here as before
We know that we come to deposit, Miss introduces related policy and tone expression very carefully for us , even even asks the process of words, Miss of the bank of East Asia if a wheel track that happens. Another side, a clothing simple middle-aged female takes waiting on the sofa of proscenium a side, a cup of coffee on tea table emits steam.
" the little
Experience has passed the service of the bank of foreign capital, the agricultural bank sub-branch of The Bund that reporter again arrives on side. Having gone to entrance, subconsciousness and security have regarded two seconds mutual , push door eventually angrily and enter.
In big hall, some depositors before counter stand
See us hesitate before puting
" little younger sister, Nong want
See us to fill wrong list, he has taken one again to us, one step walks to deliver how we fill out. " En, the little word of younger sister falls write good. " from time to time, he and we open joke. What discover that we will go on is that when steping trip remittance business, he again tells us very carefully, how to go that recent bank. Is road does not still point to settle , he has returned counter by a bank staff member to call.
When leaving The Bund, the refreshments stand of bank side is still being peddled , passerby hurriedly exchange. They do not know at all that after death a stone house, from today, has become the focus that person pays attention to somewhat. For them, the most actual problem is still to how to sell the soya-bean milk with a cup of one yuan on hand.
The analysis
On December 15 in the same day, remiting plentiful, colored flag and dregs to hit the news that 3 big banks pass claim that the same day, the first single customer that receives is RMB depositor , goes to the resident in the Chinese boundary of the bank deposit of foreign capital for the first time. The warped head of Shanghai person for the bank of foreign capital so as wish evidently a spot.
These hold at least the big customer of million Yuan "entrance ticket" is what person? The responsible person of public relations of the few bank Shanghai branch of foreign capital refuses to reveal based on the reason that" protect customer privacy". Through other channels, we have found the VIP customer of some of banks of foreign capital , have got some understandings from them for the "glamour" of the bank of foreign capital.
Money raw
All select the bank of foreign capital, what like is their ability of " money give birth to money ". As the VIP customer who remits plentiful bank , dedicated Mr manages money for remiting a pair of plentiful one to serve appreciation , have to add: " manager customer is very professional, he can analyse my economic ability of bearing according to the form that I fill out , gang I choice corresponding manage money to make up. "
The more customer more Michael more careful comparison of Dutch bank Chinese and foreign each bank manages money the rate of investment returns of service, discovery the Netherlands in bank than capital bank happens high is a lot of. This is the reason that attracts him to always select Dutch bank.
Internationalization
The bank of foreign capital when Chinese network and points withered is big for them to develop one of business disadvantageous, but they spread all over the network and points of whole world, let these and often full world the big customer that flies feels pretty convenient. Dedicated Mr have travel house Britain, now, again often go to all parts of the world to go on a business trip , though, what manage is the VIP card of Hong Kong, however between the branch of all parts of the world transfer accounts is very convenient, " no matter is in Shanghai , Hong Kong, Britain and Canada, service quality is similar and high, in this is capital bank does do not arrive. "
In capital bank,
The bank of foreign capital can only also store foreign currency again well, dedicated Mr and Michael are Chinese after all, in have plenty of RMBs on hand to stock when capital bank, in also is the VIP customer of capital bank, but in they not quite satisfy still the service of capital bank, dedicated Mr thinks that some VIP services offered by bank and some said by propaganda are come in and go out: " in perhaps is the customer of capital bank comparison is many, though they profess 'Yi Dui Yi Ge Xing Hua Li Cai', many conditions often occur a pair, manager customer as manage money the explanation of project also insufficient special field , is not enough careful; Besides, hold card person formerly may when some VIP services that airport enjoys , eventually, need to also take surtax. "
Michael in is as the service environmental somewhat
ATM machine
After the bank open RMB business
Michael divides RMB deposit , is two kinds, daily use and protect value to use. " daily in use still continued existence capital bank, after all them when ATM of China confidential is more than the network and points of the bank of foreign capital, it is convenient to take to use comparison; Protecting my meeting of value stores them to Dutch bank , environment is good , may be made an appointment , need not be queued up. " is last, Michael has added a sentence: " in if in the future the soft hardware of capital bank has caught , the capital bank in my certain choice. "
Tips
Open an account if you have 1000 thousand the stipulation
- - - of interest rate now, in the bank of foreign capital and the deposit interest rate of capital bank is the same. But along with the marketization process of interest rate, deposit interest rate will have floating space, then, interest rate will have certain discrepancy.
Advantage - - - may have RMB and foreign currency, not run with a bank of foreign capital with both sides. The bank of foreign capital in manage money to serve than capital bank maturation is a lot of, have more investment to manage money product.
If you have no bank of 1000 thousand of foreign capital to" divide edible a cup of custard", certainly will break the monopoly of homeland bank , promote profession competition. In capital bank is " recovery lost territory", will naturally raise service level, customer may be benefited from competition.