What is private bank

Private banking originated in the earliest era of the Crusades, when European aristocrats were to lead troops to battle, will be delivered to homes and property left to take care of the aristocracy, which first appeared in private banking. With times changing, the modern private bank has a new meaning. In a narrow, private banking is to reach a certain level of wealth for the disposal of assets of individuals and their families to provide one-on-one service for its search for innovative, in line with the characteristics of their own wealth management, as well as the development of new next-generation The source of wealth. Broadly speaking, private banks are able to integrate all channels and the integration of resources to provide customers with exclusive full-service financial institutions.

Some people believe that private banking is best for the rich to provide ultra-high yield financial products directly to the private bank to see whether it is high-yield plus capital preservation products, to an annual profit. This is a private bank on the understanding of common errors. The same is true of financial management, it is not possible to have the perfect solution to all financial products, financial management, high-yield must be accompanied by a high-risk, it is impossible to have all the appropriate financial management program for each client should be tailored, right, this is the private Bank financial services where the true meaning. In fact, private banking is not a money-making machines, private banking is not a more complex system of platforms, dazzling combination of products to allow customers to more than double the assets of a night of gambling sites. "Personal" cover the operations of the three major characteristics: private, unique, professional, it is more important than long-term asset allocation and investment to update the concepts in order to achieve wealth for the long-term planning and management of the consolidated financial The ultimate goal to reach.

Private Banking is such an art. Private banking clients as manager of the family doctor for the family through financial Wang Wen asked to do all diagnostic analysis to find the financial problems, with value-added services and the concept of family heritage, to take into account the financial effects of wealth and good nutrition to solve financial problems Diseases, to help customers take care of wealth, business development and improve the quality of life, their children cultivate and enhance the growth of the Evergreen family of good physical condition.

Dishonest one time, "tainted credit" will follow you for life?

On one occasion dishonest, may be for a period of time on your credit activities are affected. But at the same time you should believe that commercial banks will be integrated into all aspects of judging them in a rational manner. The so-called "tainted credit" absolutely not with people all his life. General negative 7 record-keeping, bankruptcy records in general preserve for 10 years. Therefore, should never be discouraged, you can start again!

Shall I need to apply for building a personal credit records

Do not need to. As long as you apply for bank loans, credit cards, secured credit, such as business, your information will be automatically sent to the bank through the personal credit information database.
Friendly Tip: Do not believe the other organizations of illegal propaganda, were taken to guard against.

How to get a good personal credit record

If possible, as soon as possible to build your credit record. The simplest way is the relationship with a bank loan, for example, can apply for a credit card or bank loan. Would like to clarify here is: do not borrow money from banks like Credit is not the same. Because there is no historical record of the credit, banks will lose one of your credit situation to determine the easy way.
If you have money in arrears, the arrears will be paid as soon as possible. You also need to build their own (pay), plans to return in time credit card loans and overdrafts amount of time to pay various fees. Otherwise, a delinquent borrower, and so on will be accurately reflected in your credit report, your credit activity adversely affected.
If you have established credit file, please be concerned about their credit records. Due to some unavoidable reasons, the credit report information may be wrong. Once their personal credit records of the error as soon as possible to provide contact credit reporting agencies, in a timely manner to correct the wrong information, so as not to be adversely affected their own.

Good credit record will bring you what benefit

Good credit records of individuals to the greatest advantage is that the accumulation of personal wealth credibility. In general, in order to guarantee their loans, banks only provide you with sufficient collateral for the loan only after you may have. If you have a good credit record can make you believe that the bank will repay on time, even if you can not provide collateral material, the bank will give you the loan. As a result, a good credit history as the "reputation collateral", to help you get bank loans.
In addition, a good credit history will enable you to enjoy the benefits of financial services, bank loans in the size, duration and interest rates as a result of change and think there will be a certain degree of flexibility and preferential treatment.

What can do after improve the quality of the personal credit report

First,when apply for loans and credit cards business, provide the bank correct personal information and update your information in time.
Second, always concerned about your credit history, inquiries on a regular basis your credit report.
Third, after found that your credit report errors,timely report and apply for correction.

Personal credit report of the error would affect the credibility of my life?

Personal credit reports may be wrong, before the correction of error, maybe bring you a temporary inconvenience; but once corrected, the error message will no longer be reflected in your credit report, which will not affect the credibility of your life .