文 | 银行螺丝钉 （转载请注明出处） 有朋友问，国内家庭资产配置的现状是怎样的？ 存款利率下降，资产大类未来趋势如何？利率下降，我们还能投资啥？ 针对大家的这些疑问，螺丝钉也通过直播课，进行了讲解。 长按识别下面二维码，添加 @课程小助手 微信，回复「 0606 」即可观看直播回放。 （提示：回复后可以耐心等待几秒哦～） 存款收益很低，而且还在不断下降 存款这类资产，最大的特点就是安全，几乎看不到下跌风险。 不过收益也比较低，而且还在不断下降。 2025年5月底，中农工建交邮储等国有大行，再次下调了人民币存款利率。 活期储蓄，利率只有0.05%。 1年期定存，只有不到1%。 3年期和5年期，在1.25%和1.3%。 现在人民币资产还没到0利率时代，但也绝对称得上低利率时代了。 | 中国工商银行关于调整人民币存款挂牌利率的公告 | | | | | --- | --- | --- | --- | | 尊敬的客户: | 我行自2025年5月20日起调整人民币存款挂牌利率,具体情况如下: | | | | 项目 | 年利率 (%) | 一、活期存款 | 0.05 | | 1.整存整取 | 三个月 | 0.65 | | ...

有银行客户经理为了吸引客户办理信用卡，用自己的个人提成 订购Labubu赠送给客户，也有客户经理为了揽储，垫款上万 元预订Labubu。 作者：老盈盈 封图：东方IC 近日，泡泡玛特推出的一款潮玩Labubu盲盒火爆全球，外国人排长队购买，Labubu在一些平台上 也被炒到上万元一个。 据经济观察报记者了解， 为了能吸引客户 ，近日 有银行推出赠送Labubu盲盒的营销活动 ，客户 存入5万元并办理存期不低于3个月的定期存款业务，即可免费获得一个1.0或2.0或3.0系列的 Labubu。此外，还有银行客户经理为了吸引客户办理信用卡，用自己的个人提成订购Labubu赠送 给客户，也有客户经理为了揽储，垫款上万元预订Labubu。 客户经理"自掏腰包" 6月9日，一位广东地区的网友在社交媒体上发帖"找银行客户经理要一只Labubu"，谈及发帖的原 因，她对经济观察报记者表示， 因为不好买，但是现在只要在银行办理存款就可以白送。 6月初，有股份制商业银行推出了"存款送Labubu盲盒"活动。6月9日，该行武汉和西安等地区的客 服经理向经济观察报记者介绍，新开户办理储蓄卡并存入5万元存款且存期不少于3个月，客户即 ...

Core Viewpoint - The recent promotional strategy by a bank offering LABUBU blind boxes for a fixed deposit of 50,000 yuan has gained significant attention, highlighting the challenges banks face in attracting deposits amid regulatory scrutiny and declining interest rates [1][2]. Group 1: Regulatory Environment - The banking sector is under strict regulations that prohibit unconventional methods of attracting deposits, such as cash returns or gifts, as outlined in the 2018 notice regarding deposit management [1]. - Regulatory bodies have reiterated the ban on interest rate manipulation and have emphasized the need for banks to optimize their deposit structures to avoid last-minute deposit inflations [1][2]. Group 2: Market Response and Trends - The LABUBU promotion, despite its popularity, will not be replicated in other regions, indicating a cautious approach by banks in response to regulatory pressures [2]. - There is a noticeable trend of price-sensitive depositors shifting their funds to higher-yielding asset management products, driven by a declining net interest margin, which was reported at 1.43% at the end of Q1 [2]. Group 3: Strategic Considerations for Banks - Banks are encouraged to focus on customer perception by creating segmented interest-bearing deposit products and enhancing customer engagement through tailored app interfaces [2]. - A shift in deposit assessment metrics is suggested, moving away from sheer deposit volume towards evaluating overall asset management scale, customer retention, and engagement [2][3].

摩根士丹利CEO：正致力于增加存款。 ...

【环球网财经综合报道】自2022年4月中国人民银行指导利率自律机制建立存款利率市场化调整机制以来，存款挂牌利率历 经七次下调。2024年5月20日第七次下调后，存款利率全面进入"1%"时代，中小银行也纷纷跟进。 储蓄型寿险产品吸引力提升是寿险保费增长主因。银行存款"保值增值"属性弱化，而保险产品兼具保障与投资功能，成为 居民储蓄"避风港"。多数寿险产品预定利率仍高于一年期存款利率，对资本市场投资能力较低的消费者而言是较好选择。 不过，定期寿险、年金保险和两全保险的费率会因预定利率下调有所提升。 存款利率下行背景下，寿险业务原保险保费收入却逆势增长。2022年以来，保险业原保险保费收入与寿险业务原保险保费 收入逐年递增且增速加快，2024年寿险业务实现原保险保费收入3.19万亿元，同比增长15.45%，高于行业整体增速。 在此形势下，保险公司产品策略改变，加大浮动收益型产品供给。今年一季度，人寿保险中分红型、万能型产品占比近四 成，年金保险中此类产品占比超三成且较去年上升10个百分点。多家上市险企高管也表示将加大分红险等浮动收益型产品 供给。 业内人士认为，长远来看，保险公司需从"储蓄替代"向"风险保障 + 长 ...

据悉，这是平安银行近期在全国多地支行推出的一项面向"纯新客户"（之前未开立/销户满一年）的定期存款促销活动。新客户开立储蓄卡后， 存入超过5万元（人民币），定期3–6个月起，可获泡泡玛特热门潮玩IP"LABUBU"系列盲盒（1.0、2.0） 。 对此网友吵翻了，有人说"不敢苟同这设计""不明白稀缺性在哪里"，有人说"人家凭这个成了河南首富""稀缺性只体现个人意愿"。 | "二生 后, 河南 10小时前 | 78 FT | | --- | --- | | 不敢苟同这设计 | | | ■ 日光,黑龙江 10小时前 | 15 36 | | 人家凭这个成了河南首富 | | | ■ 10小时前 | 15 51 | | 能流水线生产的东西,不明白稀缺性在哪里。 | | | 。 医 北京 8小时前 | 14 14 | | 你要知道，这世界上真正稀缺的东西本来就没有。 | 稀缺性只体现在个人意愿,你没有你想 | | 要,它就稀缺。 | | 作 者丨易佳颖 张欣 编 辑丨骆一帆 周炎炎 江佩佩 存款5万元送La bubu引发热议！ 近日，社交媒体上有用户发文称，只要在银行存款就能获得La b ub u盲盒，吸引了大量关注。 据 ...

6月银行考核时间节点逼近，近日部分银行推出揽存新招引发市场和监管关注。 6月9日，华东地区有银行人士向财联社证实， 华东某地监管部门近日要求银行机构不得通过 包括赠送实物等多种变通方式进行揽储。 6月9日，某城商行零售部门人士对财联社表示，各家银行揽存的强度取决于对存款的需求程 度，不同机构不同时间节点，力度不一。比如，近期存款利率有新一轮下调，肯定会影响部分 银行的存款规模。同时，临近6月末，业务活跃度较高，同时考核节点叠加，部分银行可能借 此机会加强营销力度。 财联社记者注意到，5月以来，平安银行多家分行推出办理储蓄卡或信用卡"存款送LABUBU 盲盒"的活动，由于LABUBU价值不低且难以抢购，一度网络引发热议。 揽存只是其一，新增客户或是主因 利息下调存款搬家，银行僧多粥少 5月下旬以来，六大国有银行集体宣布下调存款利率，一年期定存利率更是跌破1%，活期利 率仅0.05%。带动惯以"高息吸储"的中小银行紧随大行降息步伐，多数最高定存利率降至 1.7%以下。 利息下调引发连锁反应，出现"存款搬家"的情况。截至5月20日，固收类产品突破23万亿 元，现金管理类产品突破7万亿元，较3月底增幅均将近8%。 某 ...

Core Viewpoint - The banking industry is increasingly adopting innovative methods for deposit acquisition, such as offering physical gifts and collaborating with popular IPs, amidst intensified competition and regulatory scrutiny [1][2][8]. Group 1: Deposit Acquisition Strategies - Banks are diversifying their deposit acquisition methods, moving from traditional interest rate competition to offering physical gifts and partnerships with internet platforms [2][3]. - Ping An Bank has launched a promotional activity where new customers can receive a LABUBU blind box by depositing 50,000 yuan for at least three months, highlighting the trend of using attractive gifts to draw in customers [2][3]. - Other banks, including China Merchants Bank and SPDB, are also engaging in similar promotional activities, offering various gifts to new depositors [3][6]. Group 2: Regulatory Environment - Regulatory authorities have reiterated the prohibition of improper competition in deposit acquisition, emphasizing the need for banks to comply with regulations and avoid practices that could lead to systemic risks [1][8][10]. - The recent activities by banks, such as Ping An Bank's gift promotions, have raised questions about their compliance with existing regulations against disguised interest rate increases [8][9]. - Regulatory bodies have previously outlined specific prohibited behaviors, including the use of gifts or cash rebates to attract deposits, which remain a focus of enforcement [9][10]. Group 3: Market Dynamics and Trends - The trend of "deposit migration" is becoming more pronounced as customers seek higher returns from alternative financial products, prompting banks to enhance their deposit acquisition efforts [5][6]. - The overall deposit landscape is shifting towards a higher proportion of fixed-term deposits, with a notable increase in household term deposits compared to demand deposits [4][5]. - As banks face rising interest expenses due to increased fixed-term deposits, they are compelled to find cost-effective ways to attract and retain customers, often resorting to promotional gifts [5][6].

Core Points - The article discusses the fallout from the collapse of Yongkun Gold, highlighting significant financial losses for investors and the ongoing investigation by local authorities [2][3][5]. Group 1: Company Overview - Yongkun Gold is a brand under Yongkun Group, with Yongkun Holdings being its core holding company [5]. - The company operated both online and offline channels for gold sales, promising high returns and a "no-loss" investment model [6]. Group 2: Investor Impact - Investors reported total losses estimated at around 4 billion yuan, with some individuals losing over 1 million yuan [2][3]. - Many investors, like Ah Xuan, expressed feelings of helplessness and financial distress due to their inability to withdraw or refund their investments [2][4]. Group 3: Legal and Regulatory Actions - The Hangzhou Public Security Bureau has initiated investigations into Yongkun Holdings and Yongkun E-commerce for suspected illegal public deposit absorption [3]. - The company has been listed in the abnormal business operations directory due to its inability to be contacted at its registered address [5]. Group 4: Insurance and Risk Management - Yongkun Gold provided insurance policies for the gold investments, but many investors found that the insurance companies did not recognize the validity of these policies after the collapse [8][12]. - Concerns were raised about the authenticity of the gold and the insurance coverage, with investors questioning whether the insurance companies colluded with Yongkun [11][12]. Group 5: Market Perception and Trust - The long-standing history and various accolades of Yongkun Gold contributed to investor trust, leading them to believe in the safety of their investments [6]. - The use of credit cards and lending platforms for purchasing gold further complicated the financial situation for many investors, as they now face mounting debts [6][8].

强化培训夯基础，精细服务筑屏障。一是针对存款保险宣传的专业性和政策敏感性，支行采取"理论 +实践"相结合培训模式。围绕存款保险制度"存款保险定义、保障范围、偿付限额、存款保险标识"等内 容，辖内网点对全网点员工进行了详细讲解，确保一线员工熟练掌握政策要点。展情景模拟演练，提升 员工应对客户咨询的专业能力，模拟老年客户咨询存款安全、小微企业主询问资金保障等场景，强化员 工沟通技巧与政策解答能力。二是客户互动精细化，增强宣传渗透力。"微课堂"常态化，每日在网点客 户高峰时段开设"存款保险微课堂"，通过真实案例解析存款保险制度对个人储蓄的保障作用。 特色场景宣传精准触达，延伸金融服务半径。一是社区场景，老年群体定向突破。以"315消费者权益保 护日"为契机，联合南通阳光养老中心开展"金融安全进社区"活动，将存款保险宣传与老年人权益保护 深度融合。通过互动问答环节，重点讲解"存款保险标识识别""偿付流程"等实用知识。活动吸引120余 名老人参与，现场解答疑问40余条。二是校园场景，青少年金融素养筑基。在"反洗钱知识进校园"活动 中嵌入存款保险宣传模块，形成金融安全知识体系化输出。专题讲座深入化，解析存款保险制度对个人 ...