岁末年初往往是银行揽储的关键时期。然而，与往年火热喧嚣的揽储氛围不同，当前时点，国有大行普 遍低调，少有主动营销；更多中小银行则选择通过实物奖励、积分翻倍、抽奖活动等"非价格手段"开展 揽储活动，也有部分中小银行推出"新客专享利率存款"，比如1.75%的3年期存款利率，虽略高于国有大 行普遍1.55%的存款年利率，但与此前动辄3%以上的存款利率相比已不可同日而语。曾经火热的"揽储 大战"熄火了吗？ 策略分化 "2025年年末开始，银行业揽储总体呈现'稳中偏冷、结构分化、成本约束更强'的特征。"上海金融与发 展实验室首席专家、主任曾刚指出，新年伊始，银行业揽储仍在进行，但营销声量和利率刺激力度弱于 往年：一方面存款仍在回流与沉淀，居民风险偏好偏谨慎，定期化倾向仍较明显，使得银行负债 端"量"的压力不大；另一方面，部分中小银行更强调"控价、控结构、控期限"，不再追求简单的规模冲 刺。 银行业整体揽储氛围趋于理性。苏商银行特约研究员薛洪言分析，银行不再普遍采用大幅推高利率的激 进策略争抢存款，而是更加注重对负债成本和期限结构的优化管理。比如，近期6家国有大型商业银行 集体下架了5年期大额存单产品。以工商银行为例，通 ...

Core Viewpoint - The banking sector in China is experiencing intense competition for deposits, with various strategies employed by different types of banks to attract customers, leading to potential risks and unsustainable practices in the long term [1][10]. Group 1: Deposit Strategies - State-owned banks leverage their strong financial backing, with some increasing large deposit rates by 5% without offering incentives [3]. - Joint-stock banks are targeting middle-class consumers with promotional offers, such as airport lounge access for large deposits [5]. - City and rural commercial banks are engaging in aggressive tactics, including offering physical goods like cooking oil for deposits [5][7]. Group 2: Risks and Consequences - Some bank employees are resorting to personal funds to incentivize clients, indicating a desperate attempt to meet performance targets [7]. - There are reports of unethical practices, such as using public funds for gifts, which can lead to significant financial losses for the banks involved [8]. - The intense competition for deposits is causing banks to face rising costs, with some reporting a 20% drop in profits in the first three quarters of the year [16]. Group 3: External Influences - Foreign investment in RMB assets has reached 10.42 trillion, the highest in 43 months, driven by stable interest rates and currency [10][12]. - The influx of foreign capital is crucial for banks to maintain lending capabilities, supporting domestic enterprises in global markets [14]. Group 4: Regulatory Response - The central bank has increased the emphasis on the stability of funding costs in its assessments, indicating a shift towards more sustainable banking practices [21]. - Banks are beginning to adapt by promoting products with social or environmental benefits, such as "green deposits" for renewable energy projects [21]. Group 5: Future Outlook - The banking sector must transition from aggressive deposit acquisition to sustainable practices that focus on effective management of resources [23]. - Consumers are advised to prioritize the safety of their deposits over promotional offers, emphasizing the importance of deposit insurance [24].

Group 1 - The core viewpoint of the articles highlights that banks are intensifying their deposit acquisition strategies as the end of the year approaches, employing various promotional tactics such as higher interest rates and giveaways to attract customers [1][2][6] - Banks are offering competitive interest rates for different deposit amounts, with examples including a 1.90% interest rate for new funds of 200,000 yuan at Hangzhou Bank [2][4] - Some banks are incentivizing deposits through lotteries and gifts, with reports of customers receiving shopping vouchers for making deposits, indicating a shift from traditional incentives like rice and oil to more appealing rewards [1][4][5] Group 2 - The pressure on bank employees to meet performance targets is driving aggressive deposit acquisition tactics, with some employees reportedly using personal funds to offer cash back to customers [4][5] - The practice of "timing deposits" is prevalent, where banks aim to boost their deposit figures at the end of the year to improve their financial statements, despite regulations prohibiting such practices [6][7] - Experts suggest that to address the issues of aggressive deposit acquisition, banks need to reform their assessment mechanisms, reduce the emphasis on short-term deposit targets, and enhance customer loyalty through better wealth management and service offerings [7]

Group 1 - Banks are entering a critical phase for deposit acquisition as they implement various strategies to attract customers, including higher interest rates and promotional activities [1][2] - Some banks are offering unique deposit products and incentives, such as shopping vouchers for new deposits, to encourage customers to increase their savings [2][3] - The pressure on bank employees to meet performance targets is driving aggressive deposit acquisition tactics, including personal financial incentives from staff [3][5] Group 2 - Regulatory guidelines prohibit banks from using improper methods, such as cash returns or gifts, to attract deposits, yet many banks continue to engage in these practices during key periods [4][5] - The competitive landscape, particularly for smaller banks, compels them to adopt riskier deposit strategies to retain and attract customers [5][6] - Experts suggest that addressing the issue of aggressive deposit acquisition requires a combination of regulatory enforcement and changes to bank performance assessment metrics to promote long-term customer relationships [6]

Group 1 - The core viewpoint of the article highlights the competitive landscape of deposit interest rates among banks as the year-end approaches, with state-owned banks maintaining stable rates while smaller banks are increasing rates to attract deposits [1] Group 2 - A state-owned bank offers one-year, two-year, and three-year deposit rates at 1.1%, 1.2%, and 1.55% respectively, showing little change [1] - In contrast, smaller commercial banks are offering higher rates, with a three-year deposit starting at 200,000 yielding up to 1.9% [1] - A limited-time offer from a commercial bank features a three-year deposit rate of 1.71%, which will expire on December 31, and some three-year deposits at 1.75% require advance booking due to limited availability [1]

Group 1 - The banking sector is entering a year-end sprint to attract deposits, with various banks adjusting their interest rates accordingly [1] - Major state-owned banks are offering fixed deposit rates for one, two, and three years at 1.1%, 1.2%, and 1.55% respectively, showing little change [1] - Smaller banks are increasing deposit rates to attract funds, with one commercial bank offering a maximum three-year deposit rate of 1.9% for amounts starting from 200,000 [1] Group 2 - A limited-time deposit rate of 1.71% for three-year terms will expire on December 31, and some banks have a limited quota for a 1.75% rate that requires advance booking [1]

Core Viewpoint - The banking sector is intensifying efforts to attract deposits as the year-end approaches, with significant differences in interest rates between large state-owned banks and smaller commercial banks [1] Group 1: Interest Rate Trends - Large state-owned banks are maintaining stable interest rates for one, two, and three-year deposits at 1.1%, 1.2%, and 1.55% respectively, showing little change [1] - In contrast, smaller banks are increasing deposit rates to attract funds, with some offering rates as high as 1.9% for three-year deposits starting from 200,000 [1] - A limited-time offer for a three-year deposit at 1.71% will expire on December 31, and some banks have a capped rate of 1.75% that requires advance booking [1]

Core Viewpoint - The current interest rates for large time deposits are low, with banks offering similar rates for both large deposits and regular savings, leading to a decline in attractiveness for large deposits [1][2]. Group 1: Interest Rates and Deposit Products - The Industrial and Commercial Bank of China (ICBC) is offering a three-year large deposit with a minimum investment of 1 million yuan at an interest rate of 1.55%, which is the same as the rate for a regular three-year deposit starting from 50 yuan [1]. - Major banks, including the "Big Six," have collectively stopped offering five-year large deposits, with the remaining three-year products seeing rates drop to between 1.5% and 1.75% [2]. - The interest rate for various deposit products is as follows: - 1.55% for three-year large deposits starting from 1 million yuan [3]. - 1.20% for two-year deposits starting from 20,000 yuan [5]. - 1.10% for one-year deposits starting from 10,000 yuan [4]. Group 2: Market Trends and Analyst Insights - Analysts indicate that banks are reluctant to hold long-term liabilities due to expectations of declining interest rates in the future [2]. - The reduction in the availability of long-term large deposits reflects a divergence in banks' strategies under current market pressures, although large deposits are not expected to disappear entirely [1][2].

Core Viewpoint - The launch of the "High-end Client Children Internship Program" by Industrial Bank has sparked industry attention, requiring clients to deposit a minimum of 10 million yuan and lock the funds for the duration of the internship [1][3]. Group 1: Program Details - The program, aimed at high-net-worth clients, offers internship opportunities at well-known companies such as JPMorgan, Google, and ByteDance, among others [3][4]. - Non-private banking clients must deposit an additional 10 million yuan, while existing clients need to add 5 million yuan to qualify for recommendations, with funds locked until the internship concludes [3][4]. - The program is part of a broader trend where banks provide educational and internship services to high-net-worth clients' children, reflecting the competitive landscape of the banking industry [5][6]. Group 2: Industry Context - The competitive pressure on banks to attract deposits has led to innovative offerings, including educational services and internship opportunities for clients' children [5][7]. - Private banking is viewed as a key area for growth, with significant asset management scale reported by major banks, indicating a shift towards high-value segments [8]. - The practice of linking deposits to internship opportunities is not unique to Industrial Bank, as other banks are also exploring similar strategies to meet client demands [5][6]. Group 3: Compliance and Legal Concerns - The compliance of the "funds must not be transferred during the internship" clause has raised discussions regarding its legality under Chinese banking laws [2][9]. - Legal experts suggest that the arrangement may lead to potential violations of regulations concerning the proper solicitation of deposits [9][11]. - Despite concerns, some industry analysts view the program as a normal business practice that aligns with customer needs and the bank's service philosophy [9][10].

Core Viewpoint - The banking industry is experiencing increased pressure on deposit acquisition due to declining deposit rates, leading to unconventional marketing strategies such as gift giveaways and promotional activities to attract customers [1][2][3]. Group 1: Deposit Acquisition Strategies - Banks are implementing various marketing tactics, including limited edition gifts, cash vouchers, and exclusive lottery events to attract deposits [2][3]. - A specific example includes a bank offering a潮玩盲盒 (trendy toy blind box) or camping gear for customers who deposit a certain amount [2]. - The phenomenon of "deposit migration" is becoming more pronounced as customers shift funds to wealth management products and funds, increasing the urgency for banks to enhance their deposit offerings [2][3]. Group 2: Regulatory Response - Regulatory bodies have begun to scrutinize banks' deposit acquisition methods, prohibiting practices such as offering physical gifts and collaborating with internet platforms for member benefits [3]. - Banks are required to conduct self-assessments and rectify any non-compliant practices, including the suspension of products that involve high-interest offerings or non-standard deposit acquisition methods [3]. - The prohibition of "manual interest supplementation" has been reiterated, emphasizing the need for banks to adopt compliant and sustainable deposit strategies [3]. Group 3: Future Competitive Landscape - The competition for deposits is expected to shift from price-based strategies to a focus on comprehensive financial service capabilities [4][5]. - Banks are encouraged to develop new customer acquisition systems that emphasize core services like payment and settlement, wealth management, and innovative digital service offerings [4][5]. - Experts suggest that banks should move away from traditional growth metrics and focus on maintaining stable deposit growth while managing liability costs effectively [5].