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案例做生意的王先生开设了许多银行个人账户,因工作繁忙,一直没有时间处理。银行收取年费后,王先生打算把账户和银行卡整理一下,为此他请教了理财专家。理财师在分析了王先生的账户状况和实际财务需求后,发现其账户管比较混乱,不仅在多家银行开设了账户,而且在一家银行里也有多个账户。同王先生比较简单的财务需求相比,保留如此多的账户毫无必要。为此,理财师提出以下几点建议。改变卡持有结构王先生手中持有的银行卡,多半是经朋友推销办理的,有的根本就没用过。理财师建议尽快销掉没用的卡片,以免支付不必要的年费。转移开户银行王先生开设的众多账户中,每个账户的余额都不多,理财师建议将这些存款集中到一起,以达到一定额度来避免年费,或者干脆将存款转到不收取年费的银行中去。申请贵宾账户一些银行为吸收存款开设了贵宾账户,不仅提供周到的服务,而
Mr Wang, who runs a business case, has opened up many personal accounts for banks. Due to his busy schedule, he has not had time to deal with it. After the bank charges the annual fee, Mr. Wang intends to organize the account and the bank card, for which he consults the wealth management expert. After analyzing Mr. Wang’s account status and actual financial needs, the financial planner found that his account management was a bit confusing. He had not only opened accounts in several banks, but also had multiple accounts in one bank. Compared with Mr. Wang’s relatively simple financial needs, it is not necessary to keep so many accounts. To this end, financial planners make the following suggestions. Change the card holding structure Mr. Wang hands holding bank cards, mostly by friends marketing, and some simply never used. Money Managers recommend selling out useless cards as soon as possible, so as not to pay unnecessary annual fee. Bank account transfer, Mr. Wang opened many accounts, the balance of each account is not much, financial planner suggested that these deposits together to reach a certain amount to avoid annual fees, or simply deposit to the annual fee is not charged Go in the bank Applying for a VIP Account Some banks have opened VIP accounts for deposit taking, not only providing thoughtful service but