{"id":18099,"date":"2024-12-20T17:46:56","date_gmt":"2024-12-20T17:46:56","guid":{"rendered":"https:\/\/247stiri.ro\/index.php\/2024\/12\/20\/cati-bani-trebuie-sa-ai-in-cont-pentru-ca-banca-sa-te-considere-bogat-pragul-pentru-clientii-afluenti-surprinzator-de-mic\/"},"modified":"2024-12-20T17:46:56","modified_gmt":"2024-12-20T17:46:56","slug":"cati-bani-trebuie-sa-ai-in-cont-pentru-ca-banca-sa-te-considere-bogat-pragul-pentru-clientii-afluenti-surprinzator-de-mic","status":"publish","type":"post","link":"https:\/\/247stiri.ro\/index.php\/2024\/12\/20\/cati-bani-trebuie-sa-ai-in-cont-pentru-ca-banca-sa-te-considere-bogat-pragul-pentru-clientii-afluenti-surprinzator-de-mic\/","title":{"rendered":"C\u00e2\u021bi bani trebuie s\u0103 ai \u00een cont pentru ca banca s\u0103 te considere \u201ebogat\u201d. Pragul pentru clien\u021bii \u201eafluen\u021bi\u201d, surprinz\u0103tor de mic"},"content":{"rendered":"

Percep\u021bia asupra bog\u0103\u021biei variaz\u0103 considerabil, \u00eens\u0103 b\u0103ncile aplic\u0103 criterii bine definite. Este surprinz\u0103tor faptul c\u0103 limita de la care un client este considerat \u201ebogat\u201d de c\u0103tre o banc\u0103 este, de fapt, mai mic\u0103 dec\u00e2t ceea ce cred majoritatea dintre noi. \u00cen trecut, doar persoanele cu averi de milioane erau considerate o categorie aparte de c\u0103tre institu\u021biile financiare. \u00cen prezent, \u00eens\u0103, b\u0103ncile \u00ee\u0219i \u00eendreapt\u0103 aten\u021bia \u0219i asupra clien\u021bilor cu averi semnificativ mai reduse, oferindu-le beneficii speciale \u0219i servicii personalizate.<\/p>\n

Potrivit publica\u021biei\u00a0Frankfurter Allgemeine Zeitung, citat de ruhr.de<\/a>, b\u0103ncile \u00ee\u0219i \u00eempart clien\u021bii \u00een trei categorii principale:- \u201eAffluents\u201d: Persoane cu o avere lichid\u0103 \u00eentre 100.000 \u0219i 1 milion de euro.- \u201eHigh-Net-Worth-Individuals\u201d (HNWI): Clien\u021bi care dep\u0103\u0219esc pragul de 1 milion de euro.- \u201eUltra-High-Net-Worth-Individuals\u201d (UHNWI): Cei care de\u021bin o avere de peste 30 de milioane de euro.<\/p>\n

De\u0219i poate p\u0103rea surprinz\u0103tor, persoanele extrem de bogate nu sunt \u00eentotdeauna apreciate de b\u0103nci. Clien\u021bii cu averi medii, \u00een special cei care dispun de sume cuprinse \u00eentre 100.000 \u0219i c\u00e2teva milioane de euro, sunt v\u0103zu\u021bi ca \u201eclien\u021bi ideali\u201d. Motivul acestui statut? Ace\u0219tia ofer\u0103 un raport favorabil \u00eentre efortul pe care b\u0103ncile \u00eel depun \u00een consilierea lor \u0219i veniturile realizate din comisioane \u0219i servicii.<\/p>\n

Perchezi\u021bii la o grupare de hackeri rom\u00e2ni: au furat peste 100 de milioane de euro din conturile a peste 700 de persoane<\/a><\/p>\n

Pe m\u0103sur\u0103 ce averea unui client cre\u0219te, consultan\u021ba devine mai complex\u0103 \u0219i necesit\u0103 solu\u021bii personalizate. De exemplu, clien\u021bii cu peste 1 milion de euro \u00een cont au adesea cerin\u021be sofisticate, a\u0219a cum explic\u0103 Felix Germann, partener la McKinsey & Company: \u201eDe\u0219i solu\u021biile financiare sunt uneori personalizate, pentru clien\u021bii cu averi \u00een zona de milioane inferioare se bazeaz\u0103 adesea pe un portofoliu modular de produse financiare.\u201d<\/p>\n

Pentru cei care se \u00eencadreaz\u0103 \u00een categoria \u201e\u00eenst\u0103ri\u021bi\u201d, b\u0103ncile ofer\u0103 deja o serie de beneficii atr\u0103g\u0103toare:<\/p>\n

Consultant personal: Clien\u021bii au posibilitatea de a contacta rapid un specialist dedicat, f\u0103r\u0103 a fi nevoi\u021bi s\u0103 a\u0219tepte \u00een linia telefonic\u0103.Planificare financiar\u0103 personalizat\u0103: Consultan\u021bii dezvolt\u0103 strategii de investi\u021bii \u0219i solu\u021bii adaptate specific nevoilor fiec\u0103rui client.Acces prioritar la produse \u0219i servicii financiare speciale.<\/p>\n

Aceste avantaje devin din ce \u00een ce mai consistente pe m\u0103sur\u0103 ce averea clientului cre\u0219te. Pentru clien\u021bii cu un nivel ridicat de avere (HNWI) \u0219i foarte ridicat (UHNWI), serviciile oferite devin mult mai exclusiviste, incluz\u00e2nd strategii de investi\u021bii globale, acces la fonduri de investi\u021bii private \u0219i consultan\u021b\u0103 fiscal\u0103 interna\u021bional\u0103.<\/p>\n

Metoda prin care ho\u021bii pot s\u0103 afle PIN-ul de la card, \u00een timp ce te afli la cump\u0103r\u0103turi. Nimeni nu \u00ee\u0219i poate da seama c\u0103 este spionat<\/a><\/p>","protected":false},"excerpt":{"rendered":"

Percep\u021bia asupra bog\u0103\u021biei variaz\u0103 considerabil, \u00eens\u0103 b\u0103ncile aplic\u0103 criterii bine definite. Este surprinz\u0103tor faptul c\u0103…<\/p>\n","protected":false},"author":0,"featured_media":18100,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-18099","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actual"],"_links":{"self":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts\/18099","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/comments?post=18099"}],"version-history":[{"count":0,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts\/18099\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media\/18100"}],"wp:attachment":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media?parent=18099"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/categories?post=18099"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/tags?post=18099"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}