多家中小银行密集上调存款利率，各家银行为揽储开启“花式”营销

Group 1 - The core viewpoint of the articles highlights that many small and medium-sized banks are increasing their fixed deposit rates and offering promotional gifts to attract depositors, although the rate increases are more restrained compared to previous years [1][2][6] - Several small banks have announced specific rate increases, such as Shanxi Zuoyun Rural Commercial Bank raising its three-year and five-year fixed deposit rates from 1.45% and 1.50% to 1.65% [2] - Jiangsu Bank has introduced a unique promotional activity where customers can receive fresh eggs based on their deposits, indicating a creative approach to customer retention [3] Group 2 - 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 strategy compared to previous years [6] - Analysts suggest that the current trend of small banks raising short-term deposit rates is a temporary marketing strategy rather than a long-term trend, as overall deposit rates are expected to continue declining [6][7] - Larger banks appear less aggressive in their deposit strategies, with fewer promotional activities and rate increases observed, indicating a divergence in approach between small and large banks [6]