兴业银行“存千万换实习”暂停，“公开的秘密”背后是揽储压力

Core Viewpoint - The introduction of the "Elite Internship Program" by Industrial Bank for high-net-worth clients' children has sparked significant industry attention, highlighting the relationship between deposit scale and bank performance amid increasing competition [1][2][3] Group 1: Program Details - The "Elite Internship Program" requires new deposits of 10 million yuan for new clients and 5 million yuan for existing clients, with funds locked until the internship concludes [3] - The program offers internship opportunities at renowned companies such as Google, Microsoft, and ByteDance across various industries [3][4] - This initiative is part of a broader trend where banks provide educational and internship services to high-net-worth clients' children, reflecting a competitive strategy to attract deposits [5][6] Group 2: Industry Context - The competitive landscape among banks has intensified, leading to innovative strategies for attracting deposits, including offering value-added services like internships [5][8] - Other banks, such as CITIC Bank, are also implementing similar programs, indicating that this trend is not isolated to Industrial Bank [5][6] - The private banking sector is viewed as a crucial area for deposit acquisition, with significant growth in assets under management reported by major banks [8] Group 3: Compliance and Legal Considerations - The requirement that funds cannot be transferred during the internship period has raised questions about compliance with banking regulations [9] - Legal experts suggest that the model of linking internships to deposit amounts may violate certain banking laws, although some argue it is a normal business practice [9][10]