前瞻2026 | 银行“开门红”静悄悄：利率战熄火，指标考核硝烟四起

Core Viewpoint - The pressure on grassroots bank employees is becoming more complex and hidden, as traditional high-interest deposit products are in short supply, and the focus has shifted to loan and intermediary business metrics [1][4]. Group 1: Changes in Banking Practices - The concept of "opening red" is fading, with banks no longer aggressively releasing special credit quotas at the beginning of the year as they did from 2010 to 2020 [1][4]. - High-interest deposits and financial products that previously stimulated the market are largely absent this year, with loan rates increasing from a historical low of 2.2% to around 2.35% [2][3]. - The People's Bank of China reports that the current one-year Loan Prime Rate (LPR) is 3%, indicating that some banks are offering loans below this benchmark [3]. Group 2: Pressure on Bank Employees - Despite the absence of traditional high-interest products, the pressure on bank employees to meet performance metrics has not decreased, with new marketing initiatives emerging to cope with the challenges [4][5]. - Employees are increasingly resorting to unconventional methods to meet loan targets, such as subsidizing customer purchases or collaborating with loan intermediaries to package client qualifications [5][6]. - The design of performance metrics has become more detailed, with specific assessment points for various tasks, indicating that the competition within the banking sector remains intense [7].