根据规则，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，由于Labubu价值不低且难 以抢购，一度网络引发热议。 而在这两件事发酵后，迅速成为公众讨论的焦点。有人觉得新鲜，有人感到困惑，也有人质疑：银行揽储居然卷到了要靠"送实习"、"送玩具"的程度了 吗？在层出不穷的花式揽储背后，最辛苦的又是谁呢？ 从送苏超门票到自建相亲角，银行为了揽储都拼了 在存款利率不断降低的当下，银行为了揽储，计谋迭出。 5月底，据红星资本局报道，兴业银行推出了一项实习计划，"非私行新增资金1000万元以上，存量私行新增资金500万元以上"的客户，可以免费为其子女 提供知名企业实习机会。 而据智通财经报道，同样在5月，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。 "送米面粮油，过传统节日有礼品是最基础的，在这些福利的基础上，平时有大额资金流动的客户还有更大件一些的礼品，但并没有一个固定的说法，而 且不同地区的支行网点，都是有不同活动的"，建行员工吴洁向我们表示。 但是，要说各家银行在揽储手段上的创意，那可谓是花样百出，令人耳目一新，只要储户 ...

Core Viewpoint - Recent regulatory changes have led to a halt in the practice of banks offering gifts to attract depositors, shifting the focus back to interest rates as the primary competitive factor in deposit acquisition [2][3]. Regulatory Changes - Local financial regulatory authorities have issued directives prohibiting banks from using gifts or collaborating with internet platforms to attract deposits, requiring immediate cessation of such practices and a phased withdrawal of existing products by the end of 2025 [2][3]. - The ban on "fancy deposit solicitation" includes restrictions on offering physical gifts, member benefits, and practices like manual interest supplementation [3][5]. Industry Practices - Historically, banks have relied on gift-giving as a strategy to attract deposits, especially as interest rates have declined and alternative investment products have gained popularity [3]. - The practice of offering gifts has been deemed non-compliant, with previous regulations established as early as 2018 prohibiting banks from using improper means to attract deposits [5]. Expert Opinions - Experts suggest that banks should focus on enhancing product design, service quality, and risk management rather than resorting to improper methods for deposit acquisition, promoting a healthier and more sustainable banking environment [4][6]. - The transition from a "gift war" to a "value war" is recommended, emphasizing the need for banks to innovate products tailored to different customer segments and improve overall service experiences [6][7].