A paper deposit, crossing the ocean, initially met a "demand." Low income makes small deposits have no confidence to stay around, so they gradually drift away and meet the "Yu 'ebao". At first, the small deposit was not bad, which gave a relatively high income, but gradually the income became less and less. Coupled with the lack of security on the Internet platform, Xiao Cun decided to leave and find another new love. At this time, the small deposit of the "bank" feels that it has landed here. Although its income is not much higher than that of Yu 'ebao, it is safer, more diverse and more convenient. Since finding this warm harbor, with the passage of time, small deposits have gradually become large deposits.

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Photo courtesy of Oriental IC

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Relevant staff of CITIC Bank provide training for depositors.

"salary increase" process

Deposit (salary, savings, etc.). ).) I will give you a raise every day by signing a salary pot.

Signing method 1: Sign the contract directly through online banking.

Signing method 2: CITIC Bank debit card, online banking and user ID card are required for signing contracts through bank outlets.

Threshold amount: when signing the payroll, the customer should set a guaranteed amount for the current funds in the bank account, that is, the retained amount of the customer's current savings. When the funds in the customer's bank account exceed the current savings, the system will automatically initiate a fund purchase transaction with the money fund selected by the customer, with zero starting point and zero handling fee.

Operability: The customer only needs to sign the "salary pot" of CITIC Bank at one time, and the current savings in the account will automatically redeem the monetary fund selected by the customer in the "salary pot".

Flexibility: when customers initiate transactions such as counter cash withdrawal, ATM cash withdrawal, transfer, POS payment, etc. , the system will automatically initiate real-time redemption of funds when the current fund balance of the bank card is insufficient, and ensure that there are enough funds for customers to withdraw at any time. The monetary fund purchased by the customer calculates the income every day, automatically allocates it to the customer's account, and carries it over to the fund share for circulating financial management.

Risk: Compared with Internet baby, CITIC Pay Pot, as a bank baby, has much less risk. This is because the bank baby does not have the payment function, the funds are closed, and the bank monitors the whole process in real time.

Realize the ultimate asset appreciation.

Micro speech

Citizen article

Mr. Chen, who handles the salary pot business: My salary card happens to belong to CITIC Bank. Thinking it's a pity to be idle, I signed the salary pot business. After signing the contract at one time, you can withdraw it at any time without going through any formalities. My credit card and cash withdrawal are completely unaffected. It's convenient, and I'm an intelligent wage housekeeper.

Ms. Li, a small white-collar worker in the city: I made some comparisons with these babies. The salary pot income is really not low, and the goods base can be used as cash. It is really a correct consumption and investment, and it is easy and convenient to get income.

Industry insiders and experts

Expert in the industry: If all the functions of the "salary pot" are realized, its payment effect is almost the same as that of bank account demand deposit, but it can provide a relatively high annualized rate of return, which is very attractive to demand deposit customers. Assuming that the "salary pot" 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.

Banker: The biggest feature of the salary pot is free cash withdrawal, which realizes the quick cash withdrawal function of fund products. Although this is only a small change, its chain effect is sensational. At the beginning, Yu 'ebao was able to develop to the present level. A big reason is that the endless "greed" of banks using demand deposits to earn interest margins has made banks lose their hearts and minds. If this wage pot product had existed before Yu 'ebao, I don't think there would be today's Yu 'ebao.

China CITIC Bank Kunming Branch

According to the person in charge, as of August, 50 on-site service activities have been carried out at various outlets within the jurisdiction. At present, 1 1668 customers have signed up for salary payment, and 3,324 enterprises have signed up for salary payment, with a contract coverage rate of 6.43%. Among them, more than 2,000 households have signed up for on-site service activities, covering 60. 17%, which has been quickly sought after and favored by employees. In the next step, CITIC Bank will vigorously carry out mass activities in communities, campuses and professional markets.

"nurturing" strategy

Income of the day = annualized rate of return of principal of the day /365

Although "babies" once had a high income of 6% and 7%, in fact, the annual income of money funds is generally within 3%-5%, which is only used for cash management. Because of the strong liquidity, the income will not be too high. The relevant person in charge of Tian Hong Fund once pointed out that the income of the Monetary Fund above 6% is really not the normal income level. "Judging from the current market trend, about 4% is the normal level."

Don't be greedy and cheap, you may lose money.

It is most cost-effective to transfer before 3 pm on Monday and Thursday.

If you want to make the money transferred to your baby profitable, you must first wait for the fund company to confirm the share of the money fund. For the funds transferred before 3: 00 pm, the fund company will confirm the share on the second working day, and calculate the income immediately after confirming the share. The funds transferred after 3 pm will be postponed for one working day to confirm.

Special reminder: the fund company does not confirm the share on weekends and national legal holidays, but the confirmed share can also generate income on weekends and legal holidays.

Earnings in the first and fourth quarters will rise.

According to industry insiders, the income of money funds will generally rise in the first and fourth quarters. Because at the end of each year and the beginning of the second year, bank funds are relatively tight. Money fund is to "lend" money to banks and get high returns. It can also be seen from the income of various baby products that these two periods have the highest income.

Why do investors choose "baby"?

Financial reminder

Related questions and answers: When can the salary pot of CITIC Bank be transferred to the salary pot of CITIC Bank? You can apply for transfer at any time, but if the investor transfers in before the trading day (T day) 15, the investor will transfer in the same day and calculate the share. If it is transferred after 15, it will be calculated on the next t day (if there is a holiday or weekend in between).

Therefore, even if investors transfer in after T day or rest day 15, CITIC Bank will not accept the confirmed share, so the best transfer time is before the trading day 15.

Related Q&A: Does anyone know or buy the wage cooker of CITIC Bank? When you apply for a card, you started the money deduction function, right? You can make some settings and then go to the counter to close it, or you can log in to CITIC APP and enter the salary pot. You can turn off automatic transfer in the settings, or you can set the guaranteed amount to a high point, such as 1 10,000, so that money higher than 1 10,000 will be automatically transferred to the payroll.