“年底收官”叠加“开门红大幅提前”，银行人感叹：“开门红”的“门”几乎没关上过

Core Insights - The "opening red" campaign for banks has started earlier and is more intense this year, driven by narrowing interest margins and a lack of quality assets, leading banks to secure clients and funds earlier for interest income [7][8][10] - Banks are employing various strategies to attract deposits, including higher interest rates for clients who book through managers rather than apps, and offering incentives like WeChat discounts for increasing financial assets [2][3] - The pressure on bank employees is significant, as they juggle "opening red" tasks alongside year-end performance targets, leading to fatigue and even staff turnover [8][9][10] Group 1 - The "opening red" campaign is a traditional marketing effort for banks to secure market share and performance at the beginning of the year, with this year's activities starting as early as October [1][6] - Employees are facing increased pressure to meet deposit targets, with specific metrics set for financial assets and customer acquisition during the "opening red" period [1][2] - Banks are extending the duration of the "opening red" campaign, with some institutions planning for up to six months, indicating a shift in focus from mere deposit accumulation to comprehensive service integration [7][8] Group 2 - Strategies to retain existing deposits include targeted marketing to specific customer segments, such as elderly clients and those nearing asset thresholds [3] - The competitive landscape is shifting, with banks focusing on enhancing customer relationships and service quality rather than just expanding their scale [7][10] - There is a call for internal reforms within banks to reduce reliance on short-term performance metrics and to foster a more sustainable approach to client service and relationship management [9][10]