Is Dingcunbao a wealth management product?

Dingcunbao is a wealth management product. If the savings deposit exceeds 1000 yuan, it will be automatically transferred to the deposit treasure. If the transferred part is not used within seven days, the corresponding interest will be higher than the current deposit interest. The deposit treasure does not affect the normal use and can be withdrawn at any time. This is a way for banks to raise deposit interest in disguise, with the aim of increasing the collection of deposits without violating the policies of the central bank.

The money in the savings treasure of China Everbright Bank can be withdrawn.

Relevant regulations of China Everbright Bank:

1. The merchant shall verify the bill or cash withdrawal slip signed by the cardholder with the acquiring bank, and conduct liquidation with the acquiring bank to recover the advance funds.

2. The electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card can realize the functions of credit card consumption, ATM withdrawal, transfer and various payments. The expenses incurred through the card are equal to the decrease in the balance of the savings account. If the account balance is zero, the payment function of the card will also be reduced to zero. The application for a savings card is very simple, and you can get it right away without bank approval.

3. With my valid ID card, go to any business outlet of the bank to handle it. You must open a current account first. The account balance shall not be less than 10 yuan. Unstamped withdrawal account. Non-loss-reporting account, frozen account and normal account status.

4. Savings card fees mainly include annual fee, small account management fee, loss reporting fee, new card worker, cash withdrawal fee (including local interbank, remote bank, remote bank, overseas ATM, Hong Kong and Macao), transfer fee (including remote bank, remote bank, local interbank, overseas wire transfer) and online banking transfer fee (including remote bank, remote bank, local interbank and overseas remittance).

5. Customer service tools for depositors. In shopping malls, hotels, entertainment places, public service places, etc. Where POS terminals are installed in the bank card network, savings card users can spend money with their accounts instead of cash.

The amount of consumption and payment by users is unlimited, and the handling fee is free. But the account can't be overdrawn. In addition, Savings also launched mobile phone payment service and telephone wallet payment service, which is easy and flexible, and it is convenient to pay anytime and anywhere 24 hours a day.

Therefore, the money in the deposit treasure of China Everbright Bank can be taken out.

The role of China Everbright Bank's savings treasure;

1, guiding role

The guiding role of China Everbright Bank's fixed deposit treasure is mainly reflected in the guiding role of performance indicators, that is, clear goals and guide employees' work.

2. Constraint function

Some members of China Everbright Bank will clearly tell employees what to do, whether the work meets the performance indicators, constrain the daily behavior and management norms of employees, and work priorities and goals.

Step 3: Coagulation

Once Everbright Bank holds the treasure, its employees will use all kinds of resources and unite all available forces to achieve and complete performance goals, which can unite everyone in a common goal and direction.

4. Competition

The setting of the fixed deposit treasure of China Everbright Bank requires employees to work hard to achieve their goals, and the performance indicators define the direction and goals of employees' efforts, thus providing goals and comparison standards for competition among employees, departments, enterprises and the outside world, so that employees can compete with each other to complete performance appraisal indicators.