定存五万1年利息降至500元，储户焦虑钱往哪投，银行送潮玩争抢Z世代存款

Core Insights - The LABUBU toy has become a marketing tool for banks to attract new customers and deposits, with significant demand in the secondary market where prices have surged over 600% [2][3] - Recent interest rate cuts have led to a "migration" of deposits, as customers seek better returns amid declining savings rates [4][8] - The banking sector is responding to these challenges by offering innovative products and lower fees to retain and attract customers [6][7] Group 1: LABUBU Marketing Strategy - Ping An Bank's initiative to offer LABUBU blind boxes for new customers depositing 50,000 yuan has generated substantial interest, leading to a surge in customer inquiries [2][3] - The LABUBU toy's popularity is evident, with a unique piece selling for 1.08 million yuan at an auction, highlighting its value in the market [3] Group 2: Deposit Migration and Interest Rates - In June, banks have lowered deposit rates significantly, with one-year fixed deposit rates dropping below 1%, prompting customers to reconsider their savings strategies [4][11] - In April 2025, there was a notable outflow of 1.39 trillion yuan in household deposits, indicating a shift in customer behavior towards seeking higher returns [4][9] Group 3: Financial Product Innovations - Financial institutions are introducing lower management fees and innovative products, such as monthly dividend-paying investment options, to attract customers [6][7] - The trend of "fixed income + gold" products is gaining traction, with a significant portion of funds allocated to fixed income assets and a small percentage to gold-related investments [7][12] Group 4: Investment Strategies and Market Trends - The concept of "new three golds" (money market funds, bond funds, and gold funds) is becoming popular among younger investors, reflecting a shift in investment strategies [9][12] - Experts suggest that investors should adopt a diversified approach to manage risks while seeking stable returns, emphasizing the importance of asset allocation [13]