Bei Jing Shang Bao·2025-12-21 12:51Core Insights - The year-end bonus has become a focal point for banks' marketing strategies, with various institutions launching dedicated financial products to attract customers [1][5] - Banks are primarily promoting low to medium-risk financial products, aligning with the conservative investment preferences of the general public [1][5] Group 1: Bank Marketing Strategies - Multiple banks have initiated year-end bonus exclusive financial activities through online channels, offering a one-stop investment solution that includes wealth management, funds, and precious metals [1][3] - Postal Savings Bank has introduced products like "天天盈" with a maximum annualized yield of 1.52% and "优盛·鸿锦最短持有7天15号薪享C" with a yield of 4.76%, targeting different investor needs [3] - The marketing campaigns by banks not only aim to increase sales of financial products but also enhance customer loyalty and overall contribution [5] Group 2: Product Offerings and Risk Assessment - The financial products being marketed are primarily low to medium-risk, focusing on fixed-income assets such as government bonds and corporate bonds, which are consistent with the broader market trends [5] - Traffic Bank's offerings include products with annualized yields above 4.9%, catering to various investment horizons from short-term to annual investments [4] - Investors are advised to assess their risk tolerance and investment goals, with recommendations for low-risk products for those with lower risk capacity and higher-risk options for more aggressive investors [6]