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發表於 2012-9-24 14:41:13
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For my opinion, it is subject to the service you want and the size of your account, i.e., how much money, assets do you have.
If just a payroll account HS or BOC is fine. Never try HSBC or SC.
It you need counter service, HS is good at it.
But as time goes by, most banks target to the profitablity of everyone account.
Small customers have no service, please try through internet or ATM for banking transactions.
For customer haviing a mortgage, it will be better but also subject to loan size. It would be better if you bank with local banks or small banks since their customer basis is comparativelly not so much. Relationship managers and branch managers are eager for new business and are willing to offer better service.
For SME customers, if you asked for clean lending, HSBC,Citibank, BEA, SC are also offering good lending. But please do not expend an good service. They offer money lending at high interest rate, not service.
We must know that banking industry has only one purpose of their business. MAKING MONEY AS MUCH AS POSSIBLE. Service is only one of the tactics for manking money.
If you are rich, all kind of services can be offered.
If you have no money but able to pay interest and service charge, limited service can be offered.
If you have no money and no earning ability, please try the service of Social Welfare Department. |
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