长江电力 中国核电 东方财富 7399.19亿市值 1945.73亿市值 3353.62亿市值 10.77亿成交额 2.55亿成交额 27.70亿成交额 9.46 30.24 21.22 +0.26(+0.87%) 0.00(0.00%) -0.24(-1.12%) 食品饮料 证券 中信证券 国泰海通 海天味业 期天 2338.79亿市值 3894.84亿市值 3305.57亿市值 7.31亿成交额 10.19亿成交额 2.81亿成交额 18.75 26.28 42.06 -0.15(-0.57%) +0.20(+1.08%) -0.06(-0.14%) 消费电子 化学制药 恒瑞医药 立讯精密 工业富联 4027.38亿市值 3674.20亿市值 2328.34亿市值 5.77亿成交额 18.90亿成交额 16.09亿成交额 55.64 32.12 20.28 -0.15(-0.73%) +1.28(+2.35%) +0.19(+0.60%) 家电行业 农牧饲渔 格力电器 牧原股份 海尔智家 出台名字 2516.15亿市值 2343.85亿市值 2318.95亿市值 7.83亿成交额 4.93亿成交额 6.4 ...

截至2025年6月10日 09:48，中证银行指数(399986)成分股民生银行(600016)上涨1.74%，南京银行 (601009)上涨1.67%，华夏银行(600015)上涨1.43%，兴业银行(601166)上涨1.26%，浙商银行(601916)上 涨1.22%。中证银行ETF(512730)上涨0.66%， 冲击3连涨。 中证银行ETF紧密跟踪中证银行指数，为反映中证全指指数样本中不同行业公司证券的整体表现，为投 资者提供分析工具，将中证全指指数样本按中证行业分类分为11个一级行业、35个二级行业、90余个三 级行业及200余个四级行业，再以进入各一、二、三、四级行业的全部证券作为样本编制指数，形成中 证全指行业指数。 数据显示，截至2025年5月30日，中证银行指数(399986)前十大权重股分别为招商银行(600036)、兴业银 行(601166)、工商银行(601398)、交通银行(601328)、农业银行(601288)、江苏银行(600919)、浦发银行 (600000)、中国银行(601988)、平安银行(000001)、民生银行(600016)，前十大权重股合计占比64.64%。 ...

银行拉存款的标配"米面油"，日前更新换代成新晋顶流LABUBU。从6月初开始，平安银行某地支行为 了拉新获客，发起了新客存5万元就可以抽LABUBU3.0盲盒的活动，此事经网友在社交平台上晒图扩 散。 浙江某城商行员工告诉南都记者，"网点不送，个人送（LABUBU）"，但条件是存40万元的定期，期限 可以选三年或者五年。 另有多名银行一线员工向南都记者表示，LABUBU就是年轻人的"鸡蛋"（代指得到的好处），现在银行 如果不关注年轻群体，还停留在米面油，会流失一部分年轻客群。 LABUBU最早由中国香港设计师龙家升于2015年创作，最初作为儿童书角色出现，后于2018年11月由 泡泡玛特正式推出成为IP形象。今年4月24日，LABUBU第三代产品"前方高能"系列发售引发全球抢 购，泡泡玛特APP当日登顶美国APP STORE购物榜。这一抢购热潮四散蔓延，在美国拉斯维加斯，甚 至有粉丝凌晨排队等待购买。 明星晒在社交平台的有LABUBU形象的照片，又像兴奋剂点燃了更多人的热情。从刘亦菲、迪丽热巴 到蕾哈娜、贝克汉姆，众多国内外顶流明星对LABUBU的喜爱，助推LABUBU成为顶流IP。 在公开市场，LABUBU ...

Group 1 - The core viewpoint of the articles highlights the innovative marketing strategies employed by banks, such as promotional activities linked to popular culture and events, to attract new customers and enhance brand visibility [1][18][20] - Ping An Bank has launched a promotional campaign where new customers can receive a Labubu toy by opening an account and depositing at least 50,000 yuan, which has gained significant attention and participation from young customers [2][10][8] - Jiangsu Bank has also engaged in promotional activities by offering free tickets to the Jiangsu Provincial Urban Football League through its app, which has increased user engagement and brand exposure [12][14][11] Group 2 - The marketing strategies reflect a shift in the banking industry towards breaking traditional service models and enhancing competitiveness, as banks adapt to changing customer expectations and digital trends [1][18][19] - However, regulatory concerns have emerged, with financial authorities in the Yangtze River Delta region prohibiting banks from using physical gifts or partnerships with internet platforms to attract deposits, emphasizing the importance of compliance in marketing efforts [19][20][17] - The articles suggest that while innovative marketing can drive short-term customer acquisition, banks should focus on long-term customer relationships and service quality rather than solely relying on promotional tactics [18][20][19]

Core Viewpoint - The banking industry in China is undergoing a deep transformation from reliance on traditional deposit and loan services to a focus on comprehensive financial services due to narrowing net interest margins and increasing pressure for non-interest business transformation [1][7]. Group 1: Marketing Strategies - Banks are utilizing creative marketing strategies, such as offering LABUBU blind box toys for deposits, to attract younger customers and increase deposit inflows [2][3]. - While these marketing tactics can temporarily lower customer acquisition costs and attract deposits, they may lead to higher non-interest expenses and long-term challenges in managing interest margins [4][5]. Group 2: Regulatory Concerns - There are regulatory restrictions against banks using gifts or other incentives to attract deposits, as outlined in the 2018 notice on deposit management [4]. - Despite the popularity of such promotional activities, they may violate regulations and could lead to increased competition among banks, further raising funding costs [5]. Group 3: Industry Trends - The banking sector is experiencing a shift towards enhancing comprehensive financial service offerings, such as payroll services and efficient settlement networks, rather than relying on promotional gifts [6]. - In a low-interest-rate environment, banks are encouraged to develop wealth management services and create a differentiated financial ecosystem to meet the diverse asset allocation needs of customers [7].

大家好，今晚简单关注一下海内外的消息。 平安银行存款5万送LABUBU盲盒 近日，社交媒体上有用户发文称，只要在平安银行存款就能获得LABUBU盲盒，吸引了大量关注。 据悉，这是平安银行近期在全国多地支行推出的一项面向"纯新客户"（之前未开立/销户满一年）的定期存款促销活动。新客户开立储蓄 卡后，存入超过5万元（人民币），定期3–6个月起，可获泡泡玛特热门潮玩IP"LABUBU"系列盲盒（1.0、2.0）。若同时办理信用卡，即 可获得3.0版盲盒。银行方面称通过正规渠道采购，保证正品。 平安银行对外回应称，目前该行部分分行推出"平安好邻居"新开户回馈活动，参与即有机会获得LABUBU。本次活动针对年轻潮流客 群，探索"金融+国潮文化"的一次创新尝试，为客户打造有趣有价值的金融服务体系。 作为泡泡玛特的现象级IP，4月起LABUBU新系列在全球范围内引发抢购。 美银美林研究报告指出，泡泡玛特的LABUBU 3.0系列已经在全球范围内走红，4月美国及欧洲市场销售同比增长约8倍和5倍，多数零售 店前出现大量排队购买的场景。 更重要的是，Labubu在时尚领域的影响力正在提升，越来越多的名人和KOL将其作为装饰物，包 ...

Core Viewpoint - The article discusses the recent trends in bank deposit acquisition strategies, particularly in response to regulatory scrutiny and changing interest rates, highlighting the innovative approaches some banks are taking to attract new customers while managing deposit levels [1][2][5]. Group 1: Deposit Acquisition Strategies - As the June assessment deadline approaches, banks are intensifying their deposit acquisition efforts, with some engaging in promotional activities that have drawn regulatory attention [1]. - A specific case is noted where Ping An Bank offered promotional gifts, such as LABUBU blind boxes, to attract new account holders, indicating a shift towards integrating cultural elements into financial services [1][5]. - Regulatory bodies have begun to restrict banks from using high-value gifts for deposit acquisition, aiming to reduce "loss-making deposit acquisition" practices [2][3]. Group 2: Interest Rate Changes and Market Impact - Since late May, major state-owned banks have collectively lowered deposit interest rates, with one-year fixed deposit rates dropping below 1%, leading to a "deposit migration" phenomenon as customers seek better returns [2]. - The decline in interest rates has resulted in a significant increase in fixed-income products, surpassing 23 trillion yuan, and cash management products exceeding 7 trillion yuan, reflecting a nearly 8% increase since March [2]. Group 3: Customer Acquisition Focus - Banks are increasingly focusing on acquiring high-quality customers who can generate intermediary income, rather than solely increasing deposit volumes [5]. - The article emphasizes that the LABUBU promotional strategy is designed to attract a younger demographic with both spending and investment potential, which could enhance retail business growth [5].

Group 1 - Ping An Bank has launched a promotional campaign offering "LABUBU blind boxes" to new customers who open a savings account with a minimum deposit of 50,000 yuan, aiming to attract the younger demographic and explore the integration of finance with national cultural trends [1][2] - The LABUBU blind boxes, a product of Pop Mart, have seen a surge in demand, with prices on secondary markets reaching between 200 to 600 yuan, and hidden variants exceeding 3,000 yuan, indicating a strong consumer interest in collectible items [1][2] - The campaign aligns with the growing trend of "social currency" among Generation Z, providing a fresh marketing strategy for financial institutions [2] Group 2 - Ping An Bank reported a decline in its Q1 2025 financial performance, with operating revenue of 33.709 billion yuan, a year-on-year decrease of 13.1%, and a net profit attributable to shareholders of 14.096 billion yuan, down 5.6% from the previous year [3] - The bank's basic earnings per share stood at 0.62 yuan, reflecting the challenges faced in maintaining profitability amidst a competitive market [3]

2025.06. 09 本文字数：3050，阅读时长大约5分钟 作者 | 第一 财经 陈君君 银行揽储手段再度翻新。 平安银行多地分行近日针对新开户客户推出回馈活动，客户存入5万元即可有机会获得当下流行的潮 玩LABUBU。 近年来，银行揽储竞争越发激烈，传统揽储方式受限，促使银行不断创新手段，如实物礼品赠送、热 门IP联名、互联网平台合作等。然而，这些手段虽能吸引客户，但也可能被视作变相提高存款收益， 存在合规风险。 监管部门多次强调禁止不正当竞争揽储行为，以维护市场稳定和公平竞争环境。近期，长三角地区金 融监管部门重申禁令，明确禁止银行通过赠送实物礼品或与互联网平台合作等方式吸收存款，要求银 行立即停售违规产品，并在2025年底前完成存量业务清理。 业内人士指出，根据现行规定，银行吸收存款不得采用赠送礼品等不正当营销手段。这一举措旨在引 导银行合规经营，避免因不正当竞争引发系统性风险。 记者调查发现，目前银行通过实物礼品或相关福利进行揽储的情况较为常见。例如，平安银行上海闵 行某支行工作人员表示，开展存款送现金或实物活动（截至本月底）。新开户客户7天内存入1000 元可获30元现金券；存入满5万元可额外获 ...

Core Viewpoint - The banking industry is increasingly adopting innovative methods for deposit acquisition, such as offering physical gifts and collaborating with popular IPs, amidst intensified competition and regulatory scrutiny [1][2][8]. Group 1: Deposit Acquisition Strategies - Banks are diversifying their deposit acquisition methods, moving from traditional interest rate competition to offering physical gifts and partnerships with internet platforms [2][3]. - Ping An Bank has launched a promotional activity where new customers can receive a LABUBU blind box by depositing 50,000 yuan for at least three months, highlighting the trend of using attractive gifts to draw in customers [2][3]. - Other banks, including China Merchants Bank and SPDB, are also engaging in similar promotional activities, offering various gifts to new depositors [3][6]. Group 2: Regulatory Environment - Regulatory authorities have reiterated the prohibition of improper competition in deposit acquisition, emphasizing the need for banks to comply with regulations and avoid practices that could lead to systemic risks [1][8][10]. - The recent activities by banks, such as Ping An Bank's gift promotions, have raised questions about their compliance with existing regulations against disguised interest rate increases [8][9]. - Regulatory bodies have previously outlined specific prohibited behaviors, including the use of gifts or cash rebates to attract deposits, which remain a focus of enforcement [9][10]. Group 3: Market Dynamics and Trends - The trend of "deposit migration" is becoming more pronounced as customers seek higher returns from alternative financial products, prompting banks to enhance their deposit acquisition efforts [5][6]. - The overall deposit landscape is shifting towards a higher proportion of fixed-term deposits, with a notable increase in household term deposits compared to demand deposits [4][5]. - As banks face rising interest expenses due to increased fixed-term deposits, they are compelled to find cost-effective ways to attract and retain customers, often resorting to promotional gifts [5][6].