银行“开门红”静悄悄：利率战熄火，指标考核硝烟四起

Group 1 - The traditional "opening red" phenomenon in the banking sector is fading, with a significant reduction in high-interest deposits and financial products typically seen at the beginning of the year [1][2] - Loan rates have increased from a historical low of 2.2% to around 2.35%, indicating a shift in the lending landscape [2][3] - Major banks in Guangdong are now offering similar products with rates not lower than 2.35%, with some banks like China Construction Bank offering rates as high as 2.65% [3][4] Group 2 - Despite the absence of traditional high-interest products, the pressure on bank employees to meet performance indicators remains high, with a shift from acquiring deposits to fulfilling loan targets [5][6] - Employees are resorting to unconventional methods, such as subsidizing customer purchases or collaborating with loan intermediaries to meet their sales targets [6][7] - The design of performance metrics has become increasingly detailed, with specific assessments for various tasks, indicating that the competitive environment within banks is intensifying [7][8]