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Core Viewpoint - The long-standing practice of "deposit rush" in the banking industry is experiencing a decline due to stricter regulations and a growing consensus against excessive competition, leading to a shift in operational strategies among banks [1][3][6]. Group 1: Market Dynamics - The activity of brokers, who previously thrived during peak deposit periods, has significantly decreased, with reports indicating a drop in the number of active brokers and the volume of deposit requests [3][4]. - The once-popular "day-cut arbitrage" strategy is becoming increasingly difficult to execute due to enhanced regulatory scrutiny and improved tracking capabilities of banks [4][5]. - Despite a decrease in market demand, the pricing for deposit rushes has not drastically dropped, remaining in the range of 0.01% to 0.02% for large deposits [5]. Group 2: Regulatory Environment - Financial regulatory bodies have intensified efforts to curb practices that artificially inflate liquidity metrics, leading to a more rational and regulated banking environment [6][8]. - The "anti-involution" concept is gaining traction within the banking sector, prompting banks to focus on sustainable growth rather than short-term metrics [6][10]. Group 3: Internal Banking Challenges - The pressure on bank employees to meet performance targets continues to drive some to seek deposits through informal channels, despite the risks associated with such practices [7][8]. - The disconnect between central bank strategies and branch-level execution has led to a reliance on short-term deposit strategies, undermining long-term profitability [8][10]. Group 4: Future Strategies - Banks are encouraged to shift from a focus on deposit accumulation to enhancing customer service and product offerings, thereby retaining customer funds through better management and service fees [11]. - A comprehensive strategy involving strategic focus, service innovation, and regulatory collaboration is essential for banks to transition from a scale-driven approach to one centered on value creation [11].