存款5万送Labubu盲盒？如此“随机惊喜”不可持续

Core Viewpoint - Ping An Bank has launched a promotional campaign offering "Labubu blind boxes" to new customers who deposit 50,000 yuan, reflecting a trend of banks using gifts to attract deposits, particularly targeting younger consumers [1][3]. Group 1: Promotional Strategy - The campaign allows new customers to receive popular blind boxes by opening a savings account and depositing a minimum amount, with additional rewards for those who apply for a credit card [1]. - This marketing strategy is seen as an innovative exploration of "finance + national trend culture," aimed at appealing to the youth market [1]. Group 2: Regulatory Concerns - There are emerging regulatory concerns regarding the legality of such promotional practices, with some financial authorities prohibiting banks from using physical gifts to attract deposits [3]. - A recent case involved a village bank in Zhejiang being fined for similar practices, indicating a potential tightening of regulations in this area [3]. Group 3: Impact on Financial Decision-Making - The promotional activities may negatively influence young consumers' financial decision-making, as many prioritize receiving gifts over understanding the financial products' terms and conditions [4][5]. - Young customers have been observed expressing interest in opening accounts solely for the blind boxes, which could lead to poor investment habits [4][5]. Group 4: Bank Performance and Recommendations - Ping An Bank reported a decline in revenue and net profit in the first quarter of 2025, highlighting the pressure on banks to improve performance [5]. - Experts suggest that banks should focus on enhancing product quality and service to attract and retain customers, rather than relying on promotional gifts [5].