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What is a salary bonus? It is the first product of CITIC Bank and Prudential. Compared with all kinds of "baby" products on the market, the innovation of "salary treasure" lies in its "automatic" subscription and redemption mode: after customers apply for CITIC Bank Card, they can set a minimum amount, that is, the guaranteed amount (the customer decides the guaranteed amount), and the excess amount will be automatically converted into the goods base.
Specifically, the first batch of "salary pots" (the platform of China CITIC Bank) is Xincheng Salary Jinbao Monetary Fund (hereinafter referred to as "Salary Jinbao"). Compared with all kinds of "baby" products on the market, the innovation of "salary treasure" lies in its "automatic" subscription and redemption mode: after customers apply for CITIC Bank Card, they can set a minimum amount, that is, the minimum amount (the customer decides the minimum amount), and the excess amount will be automatically converted into the goods base.
When customers need to use funds, there is no need to issue redemption instructions. They can withdraw money directly from ATM machines or use credit cards directly. China CITIC Bank will automatically realize the quick redemption of goods in the background, and the daily redemption limit is 6,543,800 yuan.
For example, a customer who holds a stored-value card of CITIC Bank has signed a "salary pot" agreement through online banking or mobile banking, and then set the guarantee amount of his bank card to 5,000 yuan for daily expenses, then the part of the bank card that currently exceeds 5,000 yuan will be automatically transferred to the goods base by CITIC Bank.
If the customer spends 654.38 yuan+00,000 yuan on the bank card in the daily consumption process, it means that he spent 5,000 yuan on the bank card and paid 5,000 yuan on the cargo base. At this time, CITIC Bank will automatically redeem the goods base of 5,000 yuan for customers, and reserve the guarantee funds for customers' daily consumption.
The transaction seems to be very convenient, but in terms of expected rate of return, Xincheng Fund cautiously stated that according to the market situation, it is predicted that the average historical annualized expected rate of return of the "salary treasure" cargo base is around 4%.
If all the functions of "salary treasure" are realized, its payment effect is almost the same as that of demand deposit under bank account, but it can provide a relatively high historical annualized expected rate of return, which is very attractive to demand deposit customers. Assuming that the "wage premium" model has been widely promoted by many banks, it is likely to become a new business form to replace demand deposits. In a sense, the marketization of interest rates has been realized in disguise.
Bian Xiao introduced the salary and treatment in detail. I hope everyone can gain something after reading it!
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