张伟豪其实是没怎么管银行的传统业务,到也不是说看不上,而是他并不擅长这块,目前主要是张家三房的人在负责,借助张伟豪这边的投资跟扩张,传统业务也是越来越好做。
道理很简单,银行很赚钱,资产组合很合理,增长空间巨大,在商业银行存钱,投资理财产品,说白了,主要看的是信誉跟实力,林氏银行现在在全世界都算是十大商业银行之一,已经算是港岛第一商业银行,自然是让不少储户对银行很有信心。
商业银行跟国有银行最大的区别就是市场化运营,利息方面会高出不少,而且是有很多理财产品,而这些理财产品本身是跟这家银行的实力口碑挂钩的。
其中最高等级的理财产品就是张伟豪亲自设计的那些,每年七八个品种,年息从6%-30%不等,近乎是0风险,稳赚不赔,是市场上最抢手也最难买的,基本上只在银行这边的VIP客户群体中内部消化,只有一些贵金属或者能源外汇这些低于10%金额很大的会定期限额出售。
这种一年的额度是在千亿美元左右,实打实的利息是80亿美元上下,其他商业银行也有,但不如林氏银行这边稳定,毕竟这可是投资之神张伟豪亲自出手投资,近乎稳赚不赔,零风险。
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