揽储大战提前开打，有银行推2.35%高息

Core Insights - The banking industry's "opening red" marketing campaign for 2026 has started early, breaking the tradition of focusing efforts in the first quarter, with regional small and medium-sized banks leading the charge [2][11] - Different tiers of banks are engaging in differentiated competition in the deposit and wealth management sectors, with national banks focusing on customer operations and precise services, while small banks leverage high interest rates and physical gifts to attract deposits [2][11] Group 1: Marketing Strategies - Major banks are not engaging in homogeneous high-interest deposit competition but are focusing on deep customer engagement and optimizing business structures [12][13] - Agricultural Bank has launched a variety of credit card promotions to enhance customer activity, including a "five times points package" and other engaging activities [12][13] - China Bank is concentrating on asset enhancement and wealth management, with specific incentives for customers who increase their financial assets [12][13] Group 2: Small and Medium-Sized Banks - Small banks are adopting a "high cost-performance ratio" strategy to compete against larger banks, utilizing higher interest rates and physical gifts to attract local customers [5][14] - The interest rates for three-year large deposits at small and medium-sized banks are generally between 1.8% and 2.1%, exceeding the approximately 1.55% offered by major state-owned banks [8][17] - Physical incentives are also a significant strategy for small banks, with various promotional gifts being offered to customers who deposit funds [17] Group 3: Industry Trends - The early start of the "opening red" campaign is likely to become a norm in the banking industry in the coming years, driven by weak economic recovery and a trend towards more fixed deposits [2][11] - Analysts suggest that banks need to enhance customer profiling and demand insights while optimizing assessment mechanisms to avoid a focus solely on scale [2][11]