“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 - Multiple 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 short-term strategy rather than a long-term trend [2][11]. Group 1: Deposit Rate Adjustments - Several 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% [4] - 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 [4] - Jilin Bank has raised its three-year fixed deposit annualized rate from 1.75% to 2% [4] Group 2: Promotional Activities - To meet their deposit targets, many small and medium-sized banks have launched creative promotional activities, such as Beijing Shunyi Yinzou Village Bank offering a lottery for new customers with various household items as prizes [5] - Jiangsu Bank has introduced a unique promotion where customers can receive fresh eggs based on their deposits, allowing for multiple claims [7] - Some bank employees have resorted to personal incentives, such as offering gift cards or small gifts to attract depositors [9] Group 3: Market Trends and Strategies - The increase in deposit rates this year is generally more conservative, with most adjustments ranging from 10 to 20 basis points, reflecting a cautious approach compared to previous years [11] - Analysts suggest that the recent rate increases 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 [11][12] - Larger banks appear less affected by the need for aggressive deposit strategies, focusing instead on adjusting minimum deposit thresholds while maintaining rates [12]