礼品火速下架，地方监管叫停银行“花式揽储”

Core Viewpoint - Recent regulatory changes have led to a halt in the practice of banks offering gifts to attract depositors, shifting the focus back to interest rates as the primary competitive factor in deposit acquisition [2][3]. Regulatory Changes - Local financial regulatory authorities have issued directives prohibiting banks from using gifts or collaborating with internet platforms to attract deposits, requiring immediate cessation of such practices and a phased withdrawal of existing products by the end of 2025 [2][3]. - The ban on "fancy deposit solicitation" includes restrictions on offering physical gifts, member benefits, and practices like manual interest supplementation [3][5]. Industry Practices - Historically, banks have relied on gift-giving as a strategy to attract deposits, especially as interest rates have declined and alternative investment products have gained popularity [3]. - The practice of offering gifts has been deemed non-compliant, with previous regulations established as early as 2018 prohibiting banks from using improper means to attract deposits [5]. Expert Opinions - Experts suggest that banks should focus on enhancing product design, service quality, and risk management rather than resorting to improper methods for deposit acquisition, promoting a healthier and more sustainable banking environment [4][6]. - The transition from a "gift war" to a "value war" is recommended, emphasizing the need for banks to innovate products tailored to different customer segments and improve overall service experiences [6][7].