Premium Banking: izici, amazinga, izinzuzo kanye nokubuyekeza

Ngaphezu amasevisi standard, amabhange kukhona amatasa anikela VIP-service. Lokhu ingxenye ingenye enenzuzo kakhulu, kodwa izimiso wokusebenza zehluke ejwayelekile. inkonzo Kuhle, izisebenzi abaqeqeshiwe kakhulu, isimo ethokomele. Lokho kuhlanganisa amasevisi ebhenki premium futhi ukuthi kubiza malini ukuze iklayenti?

Uyini VIP?

Ngaphansi service premium ehloselwe indlela siqu iklayenti ngamunye, induduzo anda zokuxhumana, ukufinyelela imikhiqizo eyingqayizivele. Kulokhu, ibhange adlala indzima we umsizi zezimali. Ukuhlanganyela zalezi zinhlelo ziya wonke amasevisi standard, kodwa ngemibandela ezikahle: premium amakhadi esikweletu, imenenja siqu futhi inkonzo okungavamile.

Le sevisi kunikeza Izindleko eziphezulu zokuthola izidingo inhlangano yomsebenzi. Ngakho, ukukhethwa amakhasimende ezingase zivele wenza obuqinile.

Kanjani ukuze uthole isevisi premium ebhange?

Conditions of iqhaza kuhlelo at isikhungo ngasinye sihlukile. Ngokuyinhloko lokhu:

• khona idiphozi inani ruble 1 million.
• ukuthengwa kwemikhiqizo okunethezeka yasebhange;
• ukusebenza emkhakheni utshalomali: kusukela mutual funds, amatshe ayigugu, ukuphathwa sikhwama, kanye nabanye.

Premium service Banking senzelwe ngokuyinhloko abantu abacebile, abazisa ngesikhathi sabo abasubathi, osopolitiki, abaphathi, abaphathi, abameleli show ibhizinisi, njll ...

iphakethe amasevisi

amasevisi ebhenki Premium kudlulela ngalé uhlaka standard. Inhloso yayo - ukuhlinzeka umsizi sezimali iklayenti, okuyinto babeyokhonza amakhasimende masinya. Udzimelela ijubane isinqumo nezindaba okufanele ngokuhlanganiswa induduzo indlela siqu. Miningi imisebenzi kuhlanganisa:

• Ukuhlelwa kwezezimali: kwencazelo izimfuneko kutshalozimali kanye anyuswe yenhloko-dolobha.
• amasevisi yensizakalo - ayimi ukufinyelela ikhasimende kuya ithikithi, amahhotela, izimoto, indawo yokudlela, njll ...
• Discount cashless izinkokhelo zohlelo.
• Izikhungo ngenduduzo anda. Ngo amahhotela kanye zezindiza ume spetsnomera, lapho ungakhululeka, adle futhi ushawa.

• Fast udaba (kakutsha) khadi. Uma phesheya, iklayenti uzolahlekelwa into yakho yokukhokha, kuyoba okwanele ukuze nje uyibike nomphathi wakho, futhi i-oda sokubhalisa plastic entsha izoqala ukusebenza.
• amasevisi Ukusekela: kokuhlaziywa art-yasebhange yobuciko izinto, izeluleko intela, imithetho exchange angaphandle, ukwesekwa zomthetho kuphi emhlabeni.

intengo udaba

Ake siqhathanise amazinga for eliphezulu kwamakhasimende emabhange amabili isimo.

Ukuze iqhaza kuhlelo ibhonasi "VTB 24", okudingeka ukwenze eyodwa yalezi zimo:

• Ukuvula idiphozi noma ukutshala ruble ayizigidi ezingu-15.
• Thola iholo ayizinkulungwane 100. Hlikihla. ngenyanga.
• Yenza ikhadi ye-platinum.

Sberbank embundwini ukungena ngezansi:

• Ukuvula idiphozi noma ukutshala ruble 4 million.
• Okuqukethwe elite-platinum ikhadi.
• Ukuthenga amasheya e inani ruble ayizigidi ezingu-200.

Ukuqhathanisa izimo

Kuhle amabhange for inkonzo premium, iklayenti ngamunye ekhetha bona. Kodwa uma siqhathanisa izimo zezinhlangothi ezimbili isimo, Sberbank ephansi entry nombundu, kodwa esingaphansi amasevisi anikezwa. isikhungo lwezezimali kwenza izimali zakwamanye amazwe ukugcizelela maqondana nokusebenza.

Sberbank consultant ngayinye kufanele abanye abaphathi. Ngalokho buyela enkonzweni ezindaweni akunakugwenywa.

Premium service yasebhange ku "VTB 24" uvele ekuqaleni kuka ku Savings Bank, futhi ngcono kakhulu. Abaphathi ukuqeqeshwa okukhethekile kanye nezitifiketi zesikhathi ulwazi umkhiqizo kanye okuthunyelwe okuhlobene. isikhungo lwezezimali uncika ethandwa eYurophu inkonzo concierge. Kodwa eqinisweni, isidingo ke uya ngasendleleni. Kungani Ukushayela ngumxhumanisi nesicelo ukubiza itekisi uma ungalanda lweselula ukuletha imoto okukodwa?

Isimo emakethe

Pareto umthetho osebenza ku yonke imikhakha yempilo, kuhlanganise yasebhange. Esikhathini ingxenye amasevisi abantu 70-80% yemali ebhange sika ukuletha 5-10% amaklayenti ocebile. Lokho oholela kangcono ukudweba depositor okuphephile kwekhulu Abancane. Lokhu kuba sobala uma siqhathanisa izilinganiso yonyaka yesondlo premium amakhadi: ruble 3000. ngokumelene ruble 900. ngokuvumelana evamile credit cards. Kodwa amakhasimende "ezibizayo" uzimisele ukudela kuphela amabhange amakhulu. Ngakho-ke, izikhungo zezimali ashintshele abasesigabeni esiphakathi, nemikhulu nokwabela ke isimo VIP. Ngo umkhuba ngamazwe, amasevisi ebhenki premium iqala investimenti $ 1 million. Isilinganiso ngokuya amabhange Russian azehlise lokhu embundwini ruble ayizigidi ezingu 3.

A mkhuba omusha emakethe - ukuhlolwa services yasebhange ngaphambi ukuthenga. Amakhasimende "Gazprombank" futhi "UniCredit" Ungathola yonke amalungelo ingxenye Private ngaphambi kokwenza isinqumo mayelana ukutshala imali enengi. Ake sihlole kabanzi indlela lesi sifunda osebenza Savings Bank. Phakathi nezinyanga zokuqala ezimbili kusukela ngosuku yokubhaliswa inkontileka ikhomishana ngoba inkonzo is hhayi ukwesulwa, inqobo nje uma ikhasimende ngeke give up amasevisi ayo phakathi "ukuhlolwa". Okulandelayo kuziwa phakathi force isimo esisha. Uma ibhalansi Imininingwane ye-akhawunti ekupheleni kwenyanga kuyinto ruble ezingaphezu kuka-2.5 million., Ikhasimende ithola isethi ephelele amasevisi mahhala.

Izibuyekezo

Sibutsetelo amasevisi e-premium amabhange emakethe waphinda yafakazela ukuthi akuyona igolide glitters. "Sawubona" amakhasimende overpay for ejwayelekile imikhiqizo yasebhange, bese babhekana nezinkinga ezingathí sina, futhi umphumela waba ukuthi baveze Izibuyekezo zazo ezimbi.

VIP-iphakethe kuhlanganisa isevisi yamakhasimende phesheya. Kuyinto ukukhiqiza amasevisi standard phesheya kaningi futhi kukhona izinkinga. Ikhadi ivinjiwe ATM, i-akhawunti, futhi bonke ngenxa okwenziwe phesheya. Futhi ukubiza umphathi siqu usesimweni esinjalo abanakwethenjwa ngaso sonke isikhathi ukuxazulula le nkinga. Kodwa ngaphezu kwakho konke izikhalazo ezitholakale emigqeni engapheli ezindaweni inkonzo. "Ngaphambili, wonke umuntu esalindile mahhala, futhi manje imali!" - bayazidlalela amakhasimende.

Umnikelo billion ngonyaka

Izinzuzo premium yasebhange amakhasimende awatholi izikhungo eziye kamuva ukubuyisa amalayisensi. Futhi akusiwona okweqa ivolumu idiphozi kuqinisekiswa umkhawulo isimo ayizinkulungwane 700. Hlikihla. Iqiniso lokuthi amakhasimende abakwazi ukufakazela iqiniso imali ebhange.

isikimu okunjalo cranked ku "Master-Bank", okuyinto ivalwe ngo-2013. Ikhasimende abavule i-akhawunti isizumbulu, wamenyelwa ekamelweni futhi ababe naye inkontileka atypical ngoba amaphesenti ephakeme. Ukuze ukuthengiselana okunjalo le isikhungo sezezimali eqoqwe ruble ezingaphezu kuka-1 bhiliyoni. Kodwa ngaphambi sokwesulwa ilayisensi DIA abaphefumulelwe babengayazi mayelana nokuba khona kwamakamu VIP-emabhange ngaleso sikhungo. Njengoba izimali babungenziwa ngokusebenzisa cashier ke ikhasimende nge zivumelwano azinalo ukubhalisa.