“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 in China 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 cautious approach in the current market environment [1][11]. Group 1: Deposit Rate Adjustments - Multiple small and medium-sized banks have increased their fixed deposit rates, with Shanxi Zuoyun Rural Commercial Bank raising its three-year and five-year deposit rates from 1.45% and 1.50% to 1.65% [3]. - Baoying Rural Commercial Bank has also announced an increase in its three-year fixed deposit rate from 1.7% to 1.8%, reflecting a rise of 10 basis points [4]. - Shengjing Bank and Jilin Bank have also adjusted their deposit rates, with Jilin Bank raising its three-year fixed deposit annualized rate from 1.75% to 2% [5]. Group 2: Promotional Activities - To meet their deposit targets, many small and medium-sized banks have introduced various promotional activities, such as Beijing Shunyi Yinzuo Village Bank's lottery for new customers, where deposits can earn chances to win household items [6]. - Jiangsu Bank has launched a unique promotion where customers can receive free fresh eggs based on their existing deposits with other banks, allowing for multiple claims [8]. - Some bank staff have resorted to personal incentives, such as offering gift cards or small gifts to attract depositors, indicating a competitive environment for customer acquisition [10]. Group 3: Market Trends and Strategies - The increase in deposit rates this year is generally modest, with most adjustments ranging from 10 to 20 basis points, reflecting a more cautious strategy compared to previous years when increases were often larger [12]. - Analysts suggest that the current strategy of small increases in deposit rates and setting minimum deposit thresholds is aimed at precise customer acquisition without significantly raising costs, indicating a short-term marketing tactic rather than a long-term trend [12]. - Larger banks appear less affected by the need for aggressive deposit acquisition strategies, with fewer promotional activities observed compared to smaller banks [12].