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Core Insights - The article highlights the importance of understanding customer needs and providing tailored financial services to enhance customer satisfaction and trust [1][2] Group 1: Interest Rates and Financial Products - The current interest rates for fixed deposits are 1.35% for one year, 1.45% for two years, and 1.9% for three years, with a special emphasis on the benefits of large-denomination certificates of deposit (CDs) which offer a higher rate of 1.45% for deposits over 200,000 yuan [1] - The article illustrates a successful customer interaction where a client was persuaded to transfer additional funds to meet the threshold for a large-denomination CD, showcasing the potential for increased customer engagement through effective communication of product benefits [1] Group 2: Professional Service and Customer Engagement - The experience emphasizes the need for banking professionals to develop a keen insight into customer behavior, such as identifying potential for higher deposits based on account balances and understanding wealth management needs through interest rate inquiries [2] - The article advocates for continuous improvement in service capabilities, suggesting that every customer interaction should be viewed as an opportunity for asset growth and value creation [2]