银行Labubu营销活动被叫停

Group 1 - The core point of the article is the recent marketing strategy by banks offering Labubu blind boxes as incentives for customers to open deposit accounts, which has gained significant popularity and led to regulatory concerns [2][7][9] - Labubu blind boxes have become a trending item in the market, particularly appealing to younger customers, prompting banks to use them as promotional gifts to attract new clients [7][8] - Several banks have initiated campaigns where customers can receive a Labubu blind box by depositing a minimum amount, but these activities have been halted due to regulatory restrictions against using gifts for deposit attraction [3][6][11] Group 2 - The overall trend in deposit rates is downward, with major banks reducing rates, which has increased pressure on banks to attract and retain deposits [7][8] - The People's Bank of China has lowered the Loan Prime Rate (LPR), leading to a decrease in deposit rates across various banks, with some rates dropping below 1% for the first time [7][8] - There is a growing trend of customers moving their deposits to other financial products that offer higher returns, indicating a shift in customer behavior and increasing competition among banks [8][9] Group 3 - Regulatory bodies have previously penalized banks for using non-compliant methods to attract deposits, highlighting the risks associated with such marketing strategies [9][10] - The article mentions specific cases where banks were fined for violating regulations related to deposit attraction, emphasizing the importance of compliance in banking operations [10] - Experts suggest that banks should focus on improving service quality and product offerings rather than relying on gifts or incentives to attract customers, advocating for sustainable business practices [11]