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 ...

Important Market News - The Ministry of Commerce announced export control measures for rare earths, emphasizing their dual-use nature and compliance with international practices. China will continue to review export license applications and has approved a certain number of compliant requests [1] - As of May 2025, China's foreign exchange reserves reached $328.53 billion, an increase of $3.6 billion from April, while gold reserves rose to 7.383 million ounces (approximately 2,296.37 tons), marking a continuous increase for seven months [1] Industry Insights - Deutsche Bank is exploring stablecoins and tokenized deposits, considering options for issuing its own tokens or joining industry initiatives. The bank recognizes the potential for stablecoins, especially in the U.S. regulatory environment, and sees various roles it could play in the stablecoin sector [2] - The storage industry is experiencing a shift due to anticipated production cuts of DDR4 memory, leading to price increases and supply shortages. The demand for DDR4 remains stable in niche markets, and the overall market is expected to improve by the second half of 2025, driven by AI device demand and inventory adjustments [3] - The Ministry of Industry and Information Technology is promoting the integration of artificial intelligence and manufacturing, focusing on enhancing software and hardware capabilities. The initiative aims to accelerate the intelligent upgrade of key industries and foster innovation in industrial data and models [4][5] Company Updates - Ruoyu Chen announced a share reduction plan by its shareholder, Langzi Co., intending to reduce up to 4.768 million shares, accounting for 3% of the total share capital. The stock has seen a significant increase of 535% over the past year [5] - Silk Road Vision disclosed plans for share reductions by its executives, with specific limits on the number of shares to be sold [5] - Mindong Electric Power announced a plan to reduce 4,579,514 shares, representing 1% of its total share capital, between June 30 and September 26, 2025 [5] - *ST Haiyue received a decision from the Shanghai Stock Exchange for stock delisting, with the last trading date expected to be July 4, 2025 [6]

Core Viewpoint - The recent trend of lowering deposit interest rates by small and medium-sized banks in China is prompting depositors to reconsider their investment strategies, leading to a surge in bank wealth management products as an alternative to traditional savings accounts [1][2][3]. Group 1: Deposit Rate Adjustments - Following the major state-owned and joint-stock banks, small and medium-sized banks in regions such as Hunan, Jiangsu, Anhui, Guangdong, Guangxi, and Henan have also reduced deposit interest rates since late May [1][2]. - Many city commercial banks have set their fixed deposit rates below 1.5%, with some even dropping to 1% or lower, which contrasts sharply with the approximately 2% expected returns from wealth management products [1][2]. - For instance, Nanjing Bank has adjusted its fixed deposit rates to 0.7%, 0.95%, 1.15%, 1.25%, 1.35%, and 1.35% for different terms, while Beijing Bank has similar reductions [2]. Group 2: Shift to Wealth Management Products - As deposit rates decline, banks are intensifying their marketing efforts for wealth management products, which are becoming increasingly attractive to depositors seeking better returns [4][5]. - The rapid growth of bank wealth management products is evident, with the total scale reaching 31.24 trillion yuan by June 3, an increase of 144 billion yuan since the end of April [6]. - Wealth management products, particularly short-term fixed-income products, are now viewed as viable alternatives to traditional savings accounts, especially for interest-sensitive customers [4][7]. Group 3: Fee Reductions and Promotions - In response to the competitive landscape, several wealth management companies have announced fee reductions for their products, with some fees dropping to as low as 0.01% [5]. - For example, Zhongyin Wealth Management has reduced management fees for over 20 products since May 20, while Agricultural Bank Wealth Management has also lowered fees for various open-ended products [5]. Group 4: Market Dynamics and Growth Drivers - The influx of deposits into wealth management products is driven by factors such as the migration of funds from traditional savings accounts and aggressive marketing strategies by banks [6]. - Current average yields for newly issued wealth management products exceed 2.50%, with some reaching around 3%, making them more appealing compared to declining deposit rates [6][7].

Core Viewpoint - The recent interest rate cuts by the central bank are aimed at stabilizing growth and market expectations, with significant implications for the banking sector and liquidity management [1][2]. Group 1: Monetary Policy Changes - On May 7, the central bank announced a 50 basis point reduction in the reserve requirement ratio, releasing approximately 1 trillion yuan of long-term low-cost funds [1]. - The central bank also lowered the policy interest rate by 10 basis points, with the 7-day reverse repo rate decreasing from 1.5% to 1.4%, and the 1-year LPR adjusted from 3.1% to 3% [1]. - State-owned banks collectively reduced deposit rates, with the 1-year fixed deposit rate lowered by 15 basis points to around 1.5% [1]. Group 2: Market Reactions and Trends - Following the "double cut," the overall funding environment remained loose, with overnight rates declining from a range of 1.55%-1.65% to 1.45%-1.55% [2]. - The 1-year deposit rates for state-owned banks fell from approximately 1.75% to around 1.65%, but concerns over upcoming maturity pressures led to a rebound in rates above 1.7% [2]. Group 3: Factors Affecting Liquidity and Stability - The short-term funding and deposit rates did not align quickly with the policy rates due to the central bank's cautious liquidity management and potential credit weakness in May [3]. - Banks are focusing on managing liability duration to mitigate interest rate risks, leading to a decrease in overall stability of bank liabilities [3]. - A record high of 4.1 trillion yuan in interbank certificates of deposit is set to mature in June, prompting banks to absorb deposits in May to alleviate pressure [3].

ETF进化论 创历史新低！160万亿存款动手？ 原创 阅读全文 ...

金价剧烈波动的情况下，黄金投资能"稳赚不赔"吗？ 近日，多名投资者向中国新闻网《民生调查局》反映，永坤黄金（浙江永坤控股有限公司）的黄金委托保管业务无法正常兑付，有投资者被套数百万甚至 上千万元。而这家公司此前宣称，黄金"涨了赎回赚差价，跌了退款免损失"。 "涨了赚差价，跌了免损失" 有人投资数百万元 "大约是5月20日，有人发现15日的提现没有到账，去公司总部后，发现老板已经跑路。" 小余（化名）告诉记者，他通过永坤商城的APP购买了价值约14万的黄金，如今无法兑付。"后来才发现，线上购买没有正式合同。" 永坤商城APP宣称，金价下跌时可以无损原价退回金条。客户通过接近大盘的价格在永坤黄金的APP或微信小程序"预购黄金"，并由永坤保管一定周期， 涨了赎回赚差价，跌了原价退款免损失。 截图自永坤商城。 与线上的短线托管不同，线下不少投资者已投资了十数年。受访者小赵（化名）表示，永坤推出黄金托管业务已久，她在2013年线下购买了永坤黄金的黄 金托管业务，目前无法兑付的黄金价值约700万元。她称，身边还有不少亲友也参与了投资。 "合同是每年一续签，年化常年在7%左右，中间有几年短暂提高到9%，因为它有很多线下实体 ...