Jin Rong Shi Bao·2025-08-14 11:50Core Insights - The article highlights the increasing competition among banks to attract and retain customers in the personal pension account sector, with various promotional activities being launched to incentivize account opening and contributions [1][2][3]. Group 1: Promotional Activities - Industrial and Commercial Bank of China (ICBC) offers up to 388 yuan in WeChat discounts for new personal pension account holders who deposit 10 yuan or more, and an additional 188 yuan for those who deposit 12,000 yuan this year [1]. - Agricultural Bank of China provides a "big gift" for new depositors, allowing customers who deposit 500 yuan to enter a draw for WeChat discounts of 38 or 88 yuan, and those depositing 5,000 yuan can win up to 388 yuan [1]. - Shanghai Pudong Development Bank has introduced a three-tiered reward system for customers who deposit 1,000 yuan or more into their personal pension accounts, offering WeChat discounts, video membership vouchers, and taxi vouchers [2]. Group 2: Innovative Contribution Methods - Minsheng Bank has introduced an "appointment deposit" option, allowing customers to set up automatic monthly deductions or one-time deposits based on their financial situation [3]. - Jiangsu Bank has launched a feature for personalized automatic deposit plans, enabling customers to customize their deposit dates and amounts [3]. Group 3: Market Trends and Challenges - The number of personal pension account holders in China surpassed 70 million by the end of November last year, indicating a rapid growth in account openings [3]. - Despite the surge in account openings, many customers show low willingness to contribute, posing a challenge for banks to enhance deposit engagement [3][4]. - The shift in bank strategies from "customer acquisition" to "customer retention" reflects a focus on account activity and fund retention, aligning with the long-term nature of pension services [4]. Group 4: Future Directions - Experts suggest that banks should integrate pension accounts with services like healthcare and insurance to create a comprehensive "financial + service" solution [4]. - Enhancing the variety of investment products available for personal pension accounts and providing professional advisory services are seen as key to increasing customer loyalty [5].