银行年末揽储冲刺：利率上浮、贴息返现与隐秘的KPI战场

Group 1 - Banks are entering a critical phase for deposit acquisition as they implement various strategies to attract customers, including higher interest rates and promotional activities [1][2] - Some banks are offering unique deposit products and incentives, such as shopping vouchers for new deposits, to encourage customers to increase their savings [2][3] - The pressure on bank employees to meet performance targets is driving aggressive deposit acquisition tactics, including personal financial incentives from staff [3][5] Group 2 - Regulatory guidelines prohibit banks from using improper methods, such as cash returns or gifts, to attract deposits, yet many banks continue to engage in these practices during key periods [4][5] - The competitive landscape, particularly for smaller banks, compels them to adopt riskier deposit strategies to retain and attract customers [5][6] - Experts suggest that addressing the issue of aggressive deposit acquisition requires a combination of regulatory enforcement and changes to bank performance assessment metrics to promote long-term customer relationships [6]