热评丨对存款送礼严监管很有必要 但银行营销也应有合理空间

Core Viewpoint - Recent promotional activities by banks offering gifts for new customers highlight the tension between marketing strategies and regulatory compliance in the banking sector [1][2]. Group 1: Promotional Activities - Several banks have launched promotional campaigns offering LABUBU blind boxes as gifts for new customers who deposit over 50,000 yuan for a term of 3 to 6 months [1]. - The trend of offering gifts for deposits is not new, with past promotions including a variety of items from daily necessities to high-value products [1]. Group 2: Regulatory Environment - Financial regulatory authorities in certain regions have issued notices prohibiting banks from using physical gifts or collaborating with internet platforms to attract deposits, requiring immediate cessation of such practices [1][2]. - The regulatory framework aims to maintain market order and prevent the potential disruption caused by gift-based deposit acquisition strategies [2]. Group 3: Banking Competition and Strategy - The competition among banks for deposits is critical for their operational sustainability, especially when interest rates are similar across institutions [2]. - As deposit interest rates decline, banks face increasing competition from alternative investment products, leading to a significant outflow of deposits to non-bank financial institutions [3]. - Effective marketing strategies, including promotional activities, are essential for banks to retain deposits and support their ability to serve the real economy [3].