Core Viewpoint - The article discusses the aggressive deposit acquisition strategies employed by small and medium-sized banks as they approach the end of the year, highlighting both legitimate marketing tactics and the resurgence of questionable practices to meet performance targets [3][4][5]. Group 1: Deposit Acquisition Strategies - As the end of 2025 approaches, banks are entering a "sprint mode" for deposit acquisition, utilizing methods such as raising deposit interest rates, offering gifts, and promoting wealth management products to attract new customers and funds [5][6]. - For instance, Jiangsu Bank has raised the annual interest rate on a three-year fixed deposit product to 1.9%, a 15 basis point increase from the standard rate, while Jilin Bank has increased its three-year fixed deposit rate from 1.75% to 2% [5][6]. - Additionally, banks like Yilian Bank are implementing limited-time offers and gift incentives to draw in customers, with some banks offering gifts for deposits above certain thresholds [6]. Group 2: Market Dynamics and Risks - Industry insiders indicate that the year-end deposit acquisition not only plays a crucial role in banks' strategies but also reflects the challenges faced by small banks in a limited interest rate environment, prompting them to adopt refined operational strategies to attract customers and increase funds [7]. - The phenomenon of "deposit rushing" has re-emerged, where banks attempt to meet performance metrics by rapidly increasing deposits at the end of reporting periods, often facilitated by intermediaries advertising low-cost deposit options [8][9]. - This practice raises concerns about compliance with regulations and the potential risks to depositors' funds, as these operations may violate banking regulations and create market disturbances [11][12]. Group 3: Internal Pressures and Ethical Concerns - The pressure on bank employees to meet performance targets has led to the normalization of purchasing performance indicators through online platforms, with employees spending money to complete deposit and fund purchase tasks to avoid penalties [10]. - Such practices not only expose banks to regulatory risks but also create internal competition issues and could damage the bank's reputation and customer trust [12]. - Experts warn that these practices can lead to long-term negative consequences if not managed properly, emphasizing the need for customers to be aware of the risks associated with participating in such deposit operations [12].

本报讯 （记者袁传玺）盛京银行深入践行中央经济工作会议精神，扎实做好金融"五篇大文章"，在"盛先锋"党建品牌的强 劲引擎驱动下，将服务实体经济的使命根植于行动，通过一系列精准、高效的金融创新，将金融活水引向乡村振兴领域。 盛京银行深入践行金融工作的政治性、人民性，立足"服务地方经济、服务中小企业、服务城乡居民"的定位，支持推进乡 村全面振兴，着力提升县域金融服务水平，增加县域农村金融供给，推进农业农村现代化，助力实现城乡融合和区域联动，增 进民生福祉。全行共有党员突击队302支，全年开展志愿服务3094人次，把金融活水精准输送到县域经济社会发展的各个角 落。 在行中选派优秀年轻党员干部派驻乡村担任"第一书记"，这些驻村干部扎根基层，既当政策宣传员，又做群众贴心人，用 金融专业能力破解乡村发展难题，让"党建红"与"乡村绿"交相辉映，结出丰硕成果。 盛京银行各分行紧密结合地方经济特色，将总行战略部署转化为因地制宜的生动实践。 在辽阳灯塔市，某合作社持有"波红海鸭蛋"国家注册商标，因前期购设备、建厂房致旺季备货资金紧张。盛京银行辽阳分 行普惠客户经理上门收资料、实地走访，制定"保证+抵押"担保的"辽农贷"方案，发放 ...

盛京银行深入践行中央经济工作会议精神，扎实做好金融"五篇大文章"，在"盛先锋"党建品牌的强劲引 擎驱动下，将服务实体经济的使命根植于行动，通过一系列精准、高效的金融创新，将金融活水引向乡 村振兴领域。 党建领航 把金融使命扎根县域乡村 盛京银行全面贯彻党的二十大和历次全会精神，深入践行金融工作的政治性、人民性，立足"服务地方 经济、服务中小企业、服务城乡居民"的定位，支持推进乡村全面振兴，着力提升县域金融服务水平， 增加县域农村金融供给，推进农业农村现代化，助力实现城乡融合和区域联动，增进民生福祉。全行共 有党员突击队302支，全年开展志愿服务3094人次，把金融活水精准输送到县域经济社会发展的各个角 落。 在行中选派优秀年轻党员干部派驻乡村担任"第一书记"，这些驻村干部扎根基层，既当政策宣传员，又 做群众贴心人，用金融专业能力破解乡村发展难题，让"党建红"与"乡村绿"交相辉映，结出丰硕成果。 针对农业"轻资产、缺抵押"难题，盛京银行探索"政府引导、银行让利、担保增信、企业受益"协同模 式，创新双重保障机制，打通服务"最后一公里"。 盛京银行鞍山分行以"担保公司+核心企业"双保险模式，联合省担保集团提供"辽盛 ...

Core Viewpoint - Shengjing Bank emphasizes the integration of party building and business development, focusing on providing tailored financial solutions to various financing entities, thereby enhancing the quality of inclusive finance services [1] Group 1: Financial Solutions for Small and Micro Enterprises - Shengjing Bank prioritizes enterprise credit and innovation capabilities, offering "light asset, wide credit, and convenient" financing to support small and micro enterprises in upgrading their industries and achieving high-quality development [2] - A technology company in Shenyang received a customized "Shenyandai 2.0" financing solution of 3.4 million yuan with a three-year credit term to support its research and development needs [2] - A manufacturing plant in Dalian was provided with a loan of 3 million yuan within two working days through the "Shengxindai" product to address a liquidity shortage caused by increased orders [2] Group 2: Support for Innovative Enterprises - A cultural and creative media company in Dalian received a specialized credit solution of 1.1 million yuan, which is expected to boost its revenue by 300% within the year [3] - Shengjing Bank's branches are actively customizing financial services for technology enterprises, such as an 8 million yuan loan and a 29 million yuan B-round financing for a national high-tech enterprise [4] Group 3: Tailored Financial Services - Shengjing Bank is committed to developing differentiated and personalized financial products, exemplified by a 3 million yuan loan to a duck egg cooperative to alleviate funding pressure before a peak sales season [5] - A feed company in Anshan received an 8.5 million yuan loan through a customized credit solution, demonstrating the bank's ability to respond quickly to client needs [5] Group 4: Commitment to High-Quality Development - Shengjing Bank aims to leverage its "Shengxianfeng" party building brand to enhance the integration of political and business operations, driving the high-quality development of inclusive finance [6]

盛京银行积极落实中央金融工作会议"五篇大文章"绿色金融工作要求，充分发挥"盛先锋"党建品牌引领 作用，积极践行社会责任，丰富绿色金融产品谱系，强化绿色金融服务创新，加大绿色金融信贷投放， 全力做好绿色金融大文章。 深耕不辍 有序扩大绿色信贷规模 盛京银行聚焦服务绿色低碳产业发展，重点布局节能环保、清洁能源、绿色交通运输、绿色建筑、转型 金融及绿色与普惠融合等领域，不断提升金融服务的"绿色含量"。在"盛先锋"精神的驱动下，绿色信贷 规模实现快速增长。截至2025年11月末，全行绿色信贷余额157.21亿元，比年初增加47.75亿元，增速 43.62%，充分彰显了绿色金融发展的"先锋速度"。 在战略引领与制度建设方面，盛京银行紧密结合行业发展趋势，从战略布局到落地执行，不断完善绿色 金融制度体系框架，自2024年起，相继出台《关于做好"五篇大文章"深入推进绿色金融的实施方案》和 《盛京银行绿色金融管理办法》，以"先锋速度"有效推动绿色金融业务迈向新高度。 在生态共建与价值共创方面，该行于同年成功举办"盛情下午茶"节能环保产业集群论坛，汇聚行业专 家、学者及企业代表，共同探讨绿色低碳产业的发展趋势，分享前沿技术和创 ...

Core Viewpoint - Shengjing Bank emphasizes the integration of party building and business development, focusing on providing tailored financial solutions to various financing entities, thereby enhancing the quality of inclusive finance services [1][5]. Group 1: Financial Solutions for Small and Micro Enterprises - Shengjing Bank prioritizes enterprise credit and innovation capabilities over collateral, offering "light asset, broad credit, and convenient" financing to support small and micro enterprises [1]. - A technology company in Shenyang received a customized "Shenyandai 2.0" financing solution with a credit amount of 3.4 million yuan, addressing urgent funding needs for equipment procurement and intellectual property acquisition [1]. - A manufacturing plant in Dashi Bridge, Yingkou, received a loan of 3 million yuan within two working days through the "Shengxindai" product, addressing a liquidity gap caused by increased orders [2]. Group 2: Tailored Financial Services for Technology Enterprises - Shengjing Bank promotes products like "Shengkedai" for technology enterprises, providing customized service plans to enhance financial innovation [3]. - A national high-tech enterprise in Beijing secured a total of 8 million yuan in inclusive loans and 29 million yuan in B-round financing through a combination of loan and investment services [3]. - A medical technology company in Tianjin received a loan of 5 million yuan through the "Shengkedai" product, demonstrating effective business growth innovation [3]. Group 3: Precision Financial Support - Shengjing Bank actively develops differentiated and personalized products to provide precise financial support, aligning with the central financial work conference's spirit [4]. - A duck egg production cooperative in Liaoyang received a 3 million yuan loan through a customized "Liaonongdai" service plan, alleviating funding pressure before the holiday sales peak [4]. - An advanced technology enterprise in Anshan received an 8.5 million yuan loan through a tailored credit solution, which was highly appreciated by the company [4]. Group 4: Commitment to High-Quality Development - Shengjing Bank aims to continuously enhance the integration of party building and business operations, transforming political and organizational advantages into strong momentum for supporting the real economy and promoting high-quality development of inclusive finance [5].

Core Viewpoint - Shengjing Bank is actively implementing the requirements of the central financial work conference on green finance, enhancing its green financial product offerings, and increasing green financial credit investments to fulfill its social responsibilities [1][2]. Group 1: Green Credit Expansion - Shengjing Bank focuses on supporting the development of green low-carbon industries, with a significant increase in green credit balance reaching 15.721 billion yuan, an increase of 4.775 billion yuan from the beginning of the year, representing a growth rate of 43.62% [2]. - The bank is set to introduce new policies and management measures to further promote green finance starting in 2024, including the implementation of the "Five Major Articles" [2][3]. Group 2: Innovative Financial Products - Shengjing Bank has developed a range of green financial products, including "Liaocar Loan," "Water-saving Loan," and "Green Procurement Loan," to enhance its core competitiveness in green finance [4]. - The bank's tailored financial solutions have successfully supported companies like Shenyang Kunda Biomass Energy Co., which expanded its production capacity and significantly increased its biomass fuel output by 40% [5]. Group 3: Mechanisms and Incentives - The bank has integrated green finance into its core evaluation metrics, establishing a long-term incentive mechanism to encourage lending for green projects [3]. - Continuous training for staff on business management and risk responsibility is emphasized to enhance the professional capabilities of green finance personnel [3]. Group 4: Efficient Financial Services - Shengjing Bank has streamlined its loan approval processes, significantly reducing the time required for approvals, as demonstrated by the rapid response to Dandong Automotive's funding needs [6][7]. - The bank's collaborative approach in project financing has enabled it to support large-scale green projects effectively, such as the nearly 40 million yuan financing for SAIC Volkswagen's energy storage project [7]. Group 5: Commitment to Sustainable Development - Shengjing Bank aims to deepen its commitment to green finance, ensuring that financial resources are directed towards key areas of green development, thereby supporting national strategies and the real economy [8].

Group 1 - The banking industry is entering a "New Year" preparation phase, with some banks raising fixed deposit rates despite a general downward trend in deposit rates [1][4] - Banks like Hangzhou Bank, Ningbo Bank, and Shengjing Bank have recently increased rates on certain deposit products to attract customers during the traditional year-end savings season [1][3] - The increase in deposit rates is seen as a temporary measure by some banks, with potential for future rate reductions as they aim to lower funding costs [1][4] Group 2 - Specific rate adjustments include Hangzhou Bank raising its 3-year fixed deposit rate for new funds of 200,000 yuan to 1.9%, an increase of 10 basis points [2][3] - Ningbo Bank has also raised its 1-year fixed deposit rate for new funds of 200,000 yuan to a maximum of 1.6%, up from 1.5% [3] - Shengjing Bank introduced new deposit products with rates of 1.65%, 1.75%, and 1.85% for 1-year, 2-year, and 3-year terms, respectively [3] Group 3 - Industry experts suggest that the rate increases are a response to competitive pressures, particularly among smaller regional banks, as they prepare for the upcoming "New Year" competition [4] - Some banks have begun to phase out high-cost long-term deposits, with major state-owned banks collectively withdrawing 5-year large-denomination certificates of deposit [5] - The current environment allows banks to flexibly adjust deposit rates based on their specific business strategies and market conditions [5][6] Group 4 - The trend of declining long-term deposit products is evident, with major banks lowering rates and some even discontinuing 3-year and 5-year fixed deposit products [10] - As deposit rates approach zero, there is a growing interest among residents in investment and wealth management alternatives, with a notable shift towards diversified asset allocation [11][13] - The "New Three Golds" investment strategy, which includes money market funds, bond funds, and gold ETFs, is gaining popularity among younger investors as they seek stable returns with manageable risks [8][9][14]

Core Viewpoint - Some banks are raising fixed deposit rates despite a general trend of declining deposit rates, aiming to attract customer deposits during the traditional year-end savings season [1][4]. Group 1: Deposit Rate Adjustments - Hangzhou Bank has increased its 3-year fixed deposit rate for new funds of 200,000 yuan to 1.9%, up by 10 basis points from the previous rate [2][3]. - Ningbo Bank has raised its 1-year fixed deposit rate for new funds of 200,000 yuan to a maximum of 1.6%, previously 1.5%, and for 3-year fixed deposits of 50,000 yuan to a maximum of 1.85%, previously 1.55% [3]. - Shengjing Bank has introduced a new deposit product with rates of 1.65%, 1.75%, and 1.85% for 1-year, 2-year, and 3-year terms respectively, with a minimum deposit of 10,000 yuan [3]. Group 2: Market Dynamics and Future Outlook - The increase in deposit rates by some banks is seen as a temporary measure to attract deposits, particularly among smaller regional banks facing more significant pressure to gather funds [4]. - Major state-owned banks are simultaneously reducing high-cost long-term deposits, with some banks discontinuing 5-year large certificates of deposit [5]. - Analysts suggest that banks may continue to lower deposit rates to manage funding costs and stabilize net interest margins, indicating a potential downward trend in deposit rates moving forward [5][6].

Group 1: Deposit Rate Adjustments - Some banks, including Hangzhou Bank, have raised deposit rates despite major state-owned banks lowering rates and withdrawing certain large-denomination time deposits [1] - Hangzhou Bank's new 3-year fixed deposit rate for new funds starting from 200,000 yuan is 1.9%, while for non-new funds it is 1.8% [1] - Other banks like Ningbo Bank and Shengjing Bank have also increased rates on certain deposit products, indicating a trend to attract deposits [1] Group 2: Insurance Fund Risk Factor Adjustment - The regulatory body has lowered risk factors for insurance companies, particularly for investments in the CSI 300 index and other specified stocks, which is expected to bring in significant incremental funds [4] - The adjustment is seen as beneficial for the A-share market, potentially supporting a long-term bullish trend [4] Group 3: Central Bank Gold Reserves - The central bank has increased its gold reserves for the 13th consecutive month, with November reserves reported at 7.412 million ounces, an increase of 30,000 ounces [5] Group 4: Public Fund Growth - The total net asset value of public funds in China reached a record high of 36.96 trillion yuan by the end of October, marking an increase of over 200 billion yuan from the end of September [6] - The popularity of equity funds has surged, with several funds exceeding 3 billion yuan in issuance since November [7] Group 5: Bond Fund Redemption Trends - A significant number of bond funds have faced large redemptions, with over 60 funds announcing redemptions since the fourth quarter began [8] Group 6: Consumer Fund Performance - Consumer-themed funds have seen declines, with some funds dropping over 10% this year, particularly in sectors like liquor and home appliances [9] Group 7: Public Fund Participation in Private Placements - Public funds have participated in private placements with a total allocation of 17.3 billion yuan in 2025, a 140% increase compared to the previous year [10] - The focus of these investments has been on sectors such as semiconductors, artificial intelligence, and innovative pharmaceuticals [11]