利率最高3%！存款特种兵上演“千里大挪移”，客户经理自掏腰包“抢人”

Core Viewpoint - The article discusses the emergence of "deposit specialists" who actively seek high-interest deposit rates across different regions as banks continuously lower their fixed deposit interest rates [1][3][8]. Group 1: Deposit Specialists' Activities - Deposit specialists are utilizing social media to request recommendations for high-interest deposits, indicating a proactive approach to asset management among savers [3][4]. - A case study highlights an individual traveling over 1,100 kilometers to secure a 5-year fixed deposit with an interest rate of 3% [3][4]. - Banks are incentivizing these depositors with gifts and cash subsidies to attract them, showcasing a competitive environment among banks [6][7]. Group 2: Bank Strategies and Customer Manager Behavior - Bank customer managers are resorting to personal financial incentives, such as cash rebates and gift vouchers, to attract depositors, reflecting pressure to meet performance targets [6][7]. - The article notes that customer managers from various banks, including local commercial banks and rural banks, are actively promoting their deposit products to potential customers [4][5]. - The reliance on personal incentives to attract deposits raises concerns about the quality of customers acquired through such means [7]. Group 3: Market Trends and Regulatory Environment - Since April, a trend of declining deposit rates has been observed across various types of banks, with significant impacts on 3-year and 5-year fixed deposit rates [8][9]. - The financial regulatory authority has indicated that banks are under pressure to reduce high-cost liabilities, which aligns with the trend of lowering deposit rates [8][9]. - Analysts suggest that banks should focus on sustainable growth and effective asset-liability management rather than merely expanding deposit volumes [9].