Premium Banking: fasali, rates, amfanin da kuma sake dubawa

Bugu da kari ga misali sabis, bankuna ne rayayye bayar VIP-sabis. Wannan kashi daya ne daga cikin mafi riba, amma ka'idojin aiki bambanta daga tuta. Mafi sabis, mafi m ma'aikata, jin dadi yanayi. Wannan ya hada da premium sabis na bankin da kuma nawa koda halin kaka ga abokin ciniki?

Mene ne a VIP?

A karkashin premium sabis da ake nufi wani mutum tsarin kula da kowane abokin ciniki, samar ya karu ta'aziyya a sadarwar, damar yin amfani da musamman kayayyakin. A wannan yanayin, Bankin daukan kan rawar da kudi mataimakin. Mahalarta a cikin wadannan shirye-shirye ne da duk daidaitaccen ayyukan, amma a mafi m sharuddan: premium katunan bashi, na sirri sarrafa da kuma m sabis.

Wannan sabis na samar da babban kudin kungiyar na aiki. Haka kuma, zabin da m abokan ciniki sanya tsauraran.

Yadda za a samu da premium sabis a cikin banki?

Yanayi na hannu a cikin shirin a kowane ma'aikata ne daban-daban. M wannan:

• kasancewar wani ajiya a cikin adadin miliyan 1 rubles.;
• sayan alatu banki kayayyakin.
• aiki a filin na zuba jari: daga juna kudi, mai daraja karafa, asusun management, da sauransu.

Premium Banking sabis ne aka yi nufi da farko don m mutane, wanda daraja da lokaci da 'yan wasa,' yan siyasa, executives, manajoji, wakilan show kasuwanci, da dai sauransu ...

kunshin na sabis

Premium da sabis na bankin da ke da nisa fiye da misali tsarin. Its manufa - don samar da sirri kudi taimako ga abokin ciniki, wanda zai bauta wa abokan ciniki da sauri da kuma nagarta sosai. Mayar da hankali musamman a kan gudun ƙuduri na al'amurran da suka shafi cewa ya kamata a hade tare da ta'aziyya da kuma na sirri m. Cikin kewayon sabis hada da:

• Financial Planning: definition of bukatun ga zuba jari da kuma increment na babban birnin kasar.
• Concierge sabis - maras tsayawa abokin ciniki samun tikitin, hotels, motoci, gidan cin abinci reservations, da dai sauransu ...
• Rangwame ga cashless biya shirin.
• Service tare da ƙara ta'aziyya. A hotels da kuma filayen jiragen sama tsaya spetsnomera, inda za ka iya shakata, ku ci kuma ku sha a shawa.

• Fast (sake) katin batun. Idan kasashen waje, da abokin ciniki zai rasa biyan kuɗinka, zai kasance isa kawai don bayar da rahoton da shi zuwa ga manajan, kuma domin rajista da sabon roba zai tafi a cikin aiki.
• Tallafa sabis: art-banki kimantawa art abubuwa, shawara a kan haraji, kasashen waje musayar dokokin, lauyoyi ko ina a duniya.

batun farashin

Bari mu gwada da rates for high quality-abokin ciniki sabis a cikin biyu jihar bankuna.

Don shiga cikin bonus shirin "VTB 24", kana bukatar ka yi daya daga cikin wadannan yanayi:

• Don buɗe wani ajiya ko zuba jari miliyan 15 rubles.
• Sami albashi na dubu 100. Rub. da watan.
• Make a platinum katin.

Sberbank dokin shiga kasa:

• Don buɗe wani ajiya ko zuba jari miliyan 4 rubles.
• Contents Elite platinum katin.
• Don sayan hannun jari a cikin adadin miliyan 200 rubles.

kwatanta yanayin

Mafi bankuna domin premium sabis, kowane abokin ciniki so wa kansu. Amma idan har muka kwatanta da yanayi na biyu jihar cibiyoyin, Sberbank ƙananan shigarwa bakin kofa, amma kasa da ayyuka bayar. Financial ma'aikata da ke sa kudin kasashen waje girmamawa zuwa ga ayyukan.

Sberbank da shawara yana zuwa wasu manajoji. Sabõda haka ka kau da sabis yankunan ba za a iya kauce masa.

Premium banki sabis a cikin "VTB 24" ya bayyana a baya fiye da a cikin Savings Bank, da kuma ya muhimmanci inganta. Managers ne horo na musamman da kuma lokaci-lokaci takardar shaida a kan samfurin ilmi da related posts. Financial ma'aikata dogara a kan m a Turai Concierge sabis. Amma a gaskiya, da bukatar da ta ke da wayside. Me kira mai ba da shawara tare da bukatar kiran mai taxi idan za ka iya download da mobile app da kuma kawo mota a dannawa daya?

A halin da ake ciki a kasuwar

Pareto mulki ya shafi dukkan duniyoyin rayuwa, ciki har da banki. A kashi na sabis na mutane 70-80% na banki ta albashi kawo 5-10% na arziki abokan ciniki. Wannan shi ne mafi riba a zana kulla depositor fiye da ɗari da ƙanãna; Wannan ya bayyana idan muka kwatanta rates for shekara-shekara tabbatarwa premium cards: 3000 rubles. da 900 rubles. bisa ga yadda ya saba katunan bashi. Amma "tsada" abokan ciniki ne son su zuba jari ne kawai a manyan bankuna. Saboda haka, kudi cibiyoyin an sauya sheka zuwa tsakiyar aji, kuma assigning shi a VIP matsayi. A kasa da kasa yi, premium sabis na bankin fara da wani zuba jari na $ 1 da miliyan. A talakawan cikin sharuddan Rasha bankuna sun saukar da wannan bakin kofa zuwa miliyan 3 rubles.

Wani sabon Trend a kasuwa - gwaji na da sabis na bankin kafin saya. Customers "Gazprombank" da "UniCredit" iya samun duk gata Private kashi kafin yin wani yanke shawara game da zuba jari da manyan jimla. Bari mu bincika a cikin mafi daki-daki, yadda wannan rangadi aiki a cikin Savings Bank. A farkon watanni biyu daga ranar rajista na hukumar kwangila ga sabis da aka ba da aka rubuta a kashe, bayar da cewa abokin ciniki ba zai daina da ayyuka a lokacin "gwaji". Next zo a cikin karfi da sabon yanayin. Idan total ma'auni na lissafi a karshen watan ne fiye da miliyan 2.5 rubles., The abokin ciniki sami wani cikakken sa na sabis for free.

reviews

Overview na premium sabis na bankuna a kasuwar sake tabbatar da cewa duk da yake ba zinariya cewa glitters. "Dear" abokan ciniki overpay ga misali banki kayayyakin, sa'an nan sau da yawa fuskanci tsanani matsaloli, tare da sakamakon cewa bayyana su korau reviews.

VIP-kunshin hada abokin ciniki sabis kasashen waje. Shi ne samar da misali da sabis kasashen waje fiye da yawa, kuma akwai matsaloli. A katin katange a ATM, da lissafi, da kuma duk saboda ma'amaloli sanya kasashen waje. Kuma kiran sirri manajan a cikin irin wannan halin da ake ciki ba zai iya ko da yaushe magance matsalar. Amma mafi yawan dukan gunaguni samu a kan m queues a cikin sabis yankunan. "Kafin, kowa da kowa aka jiran free, da kuma yanzu ga kudi!" - wasa abokan ciniki.

Gudunmawar da biliyan

Amfanin premium banki abokan ciniki ba sami wani cibiyoyin cewa sun soke lasisin baya. Kuma yana da ba a wuce haddi na ƙara na ajiya tabbas da jihar iyaka da dubu 700. Rub. Gaskiyar cewa abokan ciniki ba zai iya tabbatar da gaskiyar na zuba jari a Bankin.

Irin wannan makirci ne cranked a "Master-Bank", wanda rufe a 2013. A abokin ciniki wanda ya buɗe wa lissafi ga wani babban Jimlar, aka kira su zuwa ga mai zaman kansa dakin da suke tare da shi atypical kwangila ga wani mafi girma da yawan. Domin irin wannan ma'amaloli da kudi ma'aikata ya tattara fiye da biliyan 1 rubles. Amma kafin soke dokar da lasisi DIA ba su ma san game da wanzuwar VIP-ajiyar at cewa ma'aikata. Tun da kudi da aka sanya ba ta hanyar da kashiya, sa'an nan abokin ciniki tare da irin yarjejeniyar da ba su ma yi rajista.