“花式”揽储：有银行送鸡蛋吸引他行储户 多家中小银行上调存款利率……

Core Viewpoint - Several small and medium-sized banks have recently raised their deposit rates and launched various promotional activities to attract depositors, although the increase in rates is more restrained compared to previous years, indicating a short-term strategy rather than a long-term trend [1][9]. Group 1: Deposit Rate Adjustments - Multiple small and medium-sized banks have increased their fixed deposit rates, such as Shanxi Zuoyun Rural Commercial Bank raising its three-year and five-year rates from 1.45% and 1.50% to 1.65% [2]. - Baoying Rural Commercial Bank has also adjusted its three-year fixed deposit rate from 1.7% to 1.8%, an increase of 10 basis points [2]. - Jilin Bank has raised its three-year fixed deposit annualized rate from 1.75% to 2% [3]. Group 2: Promotional Activities - To meet their deposit targets, many small and medium-sized banks have launched various promotional activities, such as Beijing Shunyi Yinzou Village Bank offering a lottery for new customers with prizes including household appliances [4]. - Jiangsu Bank has introduced a unique promotion where customers can receive free eggs based on their deposits held at other banks, allowing for multiple claims [6]. - Some bank employees have resorted to personal incentives, such as giving out gift cards or fruits, to attract depositors [8]. Group 3: Market Trends and Strategies - The increase in deposit rates this year is generally modest, with most banks raising rates by only 10 to 20 basis points, reflecting a more cautious approach compared to previous years [9]. - Analysts suggest that the recent rate adjustments by small and medium-sized banks are part of a short-term marketing strategy aimed at precise customer acquisition, rather than a shift in the overall downward trend of deposit rates [9]. - Larger banks appear less aggressive in their deposit strategies, focusing instead on adjusting minimum deposit thresholds while maintaining rates [9].