合规闸门收紧！有地方监管严禁银行通过送实物、加息券揽储

Core Viewpoint - Recent regulatory measures have been implemented to curb "fancy" deposit solicitation practices by banks, with a clear timeline for the exit of related non-compliant activities by the end of 2025 [1][3][4] Summary by Relevant Sections Regulatory Measures - Local regulatory authorities have introduced multiple prohibitive regulations aimed at various deposit solicitation methods, including manual interest supplementation and the issuance of interest coupons [3][4] - The regulations also prohibit banks from offering physical gifts or collaborating with internet platforms to provide membership benefits as a means of attracting deposits [4][6] Impact on Banks - The decline in deposit interest rates has increased the pressure on banks to attract deposits, leading to the emergence of various unconventional solicitation methods [3][5] - Smaller banks, in particular, are more likely to resort to "fancy" solicitation practices due to their weaker brand influence and network coverage compared to larger banks [5][6] Compliance and Management - The regulatory framework emphasizes the need for banks to enhance compliance management regarding deposit solicitation activities, with immediate cessation of non-compliant products and a structured exit plan for existing ones by 2025 [6][7] - Experts suggest that banks should shift focus from high-cost solicitation methods to improving service quality and product innovation to attract depositors sustainably [7][8]