绕开合规限制，银行揽储有这些奇特手法

Core Viewpoint - Experts believe that solely relying on gifts to stimulate customer loyalty is insufficient, and banks may need to reconstruct their competitiveness through integrated services such as scenario finance and wealth management [1][2]. Group 1: Current Banking Practices - Some banks are using covert methods like discount coupons, group purchases, and additional interest to attract deposits, which has led to an increase in actual annual returns for depositors by 0.3% to 0.5% [2][3]. - A recent investigation revealed that certain banks are still engaging in disguised deposit incentives despite regulatory crackdowns, employing complex methods to offer gifts [3][4]. - For instance, a bank in Shenzhen offered a mountain bike for a 50,000 yuan deposit, but customers had to navigate a complicated coupon redemption process to receive it [3]. Group 2: Regulatory Environment - Regulatory authorities have issued notices prohibiting banks from using gifts and partnerships with internet platforms for disorderly deposit solicitation [3]. - Despite these regulations, some banks continue to find ways to provide deposit incentives, albeit in more concealed manners [4]. Group 3: Interest Rate Trends - The average deposit rates for various terms have decreased by 20 to 30 basis points, with one-year deposits averaging 1.339% and five-year deposits at 1.573% as of May 2025 [5]. - Analysts suggest that while deposit rates are officially declining, the actual cost of deposits may be rising due to these covert incentives [5][6]. Group 4: Industry Challenges and Recommendations - The pressure on banks to attract deposits is currently manageable, but the reliance on gift-based incentives could further compress interest margins [6][7]. - Experts recommend that banks shift their operational strategies towards creating a multi-channel retail model and enhancing customer engagement through scenario-based financial services [7].