来源：华夏时报 临近年终，银行业"开门红"悄然打响。 日前，记者走访北京多家银行网点了解到，为应对"开门红"，部分中小银行阶段性上调定期存款利率， 或推出颇具吸引力的礼品奖励，如有银行给出"10万一桶油或一袋米"的礼品配置，吸引储户。 "我们目前柜面3年期定存利率是1.9%，如果单笔50万元以上，可以做到1.95%。"有城商行北京某支行 客户经理向记者透露，并称这一水平"应该是目前北京这边（同类产品中）最高的了"。 "开门红"并未改变整体利率下行的大趋势。进入12月，仍有不少中小银行继续下调挂牌存款利率。业内 人士指出，"高息揽储"更多是短期营销策略，长期来看，存款利率整体仍处于下行通道。 "利率+礼品"组合揽储 "1.9%这个利率，得来咱们柜台存。"有银行客户经理对记者表示。 记者日前走访北京多家银行网点发现，不少银行线上APP显示的存款利率与线下柜面实际可享利率存在 差异。以某城商行为例，其手机银行APP上显示，北京地区3年期定期存款年利率最高为1.75%，2年期 和5年期则均为1.6%；但据该行客户经理介绍，若客户为"新资金"且到柜面办理，单笔金额20万元以 上，3年期定存利率可达1.9%。 "现在不少 ...

Core Viewpoint - The disparity in deposit interest rates between large state-owned banks and smaller banks is becoming increasingly pronounced, with smaller banks offering significantly higher rates to attract depositors in a low-interest environment [3][5]. Group 1: Interest Rate Trends - The interest rates for large state-owned banks have dropped to the "1" range, with one-year fixed deposit rates falling below 1% and savings account rates as low as 0.05% [3]. - In contrast, smaller banks are offering higher rates, such as Shanghai Huari Bank's 2.35% for a two-year large deposit certificate and Guizhou Bank's 2.45% for a three-year product [3]. - The average interest rates for various deposit terms are projected to remain low, with the three-month average at 0.943% and the one-year average at 1.278% as of July 2025 [5]. Group 2: Competitive Landscape - Smaller banks are leveraging higher interest rates as a strategy to attract depositors due to their weaker brand influence and customer base compared to larger banks [5]. - The competition for deposits is intensifying as the growth rate of household savings is slowing, while funds are increasingly flowing into investment products like mutual funds and stocks [5]. Group 3: Challenges for Smaller Banks - Smaller banks face a dilemma of balancing asset expansion with risk accumulation, as seen in a private bank with a 17.11% asset growth rate relying on high-interest deposits [5]. - The net interest margin for many banks has narrowed to 1.43%, with increasing pressure from inverted loan-to-deposit spreads [7]. - Regulatory challenges are also mounting, with the central bank prohibiting manual interest supplementation and other promotional deposit strategies [7][8]. Group 4: Future Outlook - The central bank's monetary policy is expected to remain accommodative, potentially leading to further declines in interest rates [8]. - High-interest deposit strategies may not be sustainable in the long term, as they increase banks' liability costs and exacerbate the narrowing of interest margins [8][9]. Group 5: Considerations for Depositors - Depositors should be cautious of liquidity risks associated with high-interest deposits, as many cannot be withdrawn early without penalties [11]. - Credit risk is a concern, especially for smaller banks with lower capital adequacy ratios, prompting recommendations to limit deposits to under 500,000 yuan to ensure insurance coverage [13]. - It is advisable for depositors to align their investment choices with their financial needs and risk tolerance, diversifying their deposits across different terms and types [15].

Core Viewpoint - Zhejiang Yongkun Holdings Co., Ltd. (Yongkun Gold) has attracted thousands of investors through a promised annual return of up to 18% and a "referral commission" mechanism, disguising its operations as legitimate financial products [1][2]. Group 1: Company Overview - Yongkun Gold, established in March 2014, is a subsidiary of Zhejiang Yongkun Holdings, with a significant presence in the gold industry, including over 100 offline stores across the country [13][15]. - The company operates a gold custody model, where most of the gold is not held by investors, and has expanded its business through various sales channels, including e-commerce platforms [6][15]. Group 2: Business Model and Operations - Yongkun Gold's business consists of two main categories: sales-custody-recovery services, promising high returns to investors, and online sales of gold products with a no-loss guarantee [7][10]. - The company has implemented a referral reward system, where investors earn commissions for bringing in new clients, resembling a Ponzi scheme [23]. Group 3: Financial Issues and Legal Troubles - On May 20, 2025, Yongkun Gold faced a liquidity crisis, unable to make payments to clients, leading to investor protests and legal actions for illegal public deposit solicitation [2][4]. - The company was listed in the business abnormality directory due to being unreachable at its registered address, and there are concerns regarding the authenticity of its insurance policies covering over 4.1 billion yuan in gold assets [4][11]. Group 4: Investor Impact - Over 10,000 investors have reportedly been defrauded, with losses exceeding 2 billion yuan, and conservative estimates suggest total losses could reach 5 billion yuan [5][21]. - The high promised returns have lured many investors, including employees of Yongkun Gold, who invested their life savings, only to face significant financial losses [21][24].

Group 1 - The core viewpoint of the articles is that a new wave of interest rate cuts is sweeping through the banking industry, initiated by the People's Bank of China, with significant adjustments made by major state-owned banks and other financial institutions [2][3][6] - On May 20, 2025, major state-owned banks lowered their deposit rates, with the one-year deposit rate falling below 1%, and the adjustment range for fixed-term deposits varying from 0.15 to 0.25 percentage points [2][3] - Despite the overall trend of rate cuts, Yilian Bank reportedly raised its one-year fixed deposit rate from 1.85% to 2.00% on May 21, 2025, although this claim was later disputed as the bank's official website showed the rate remained at 1.85% [1][4][5] Group 2 - The net interest margin of commercial banks in China narrowed to 1.43% in Q1 2025, a decrease of 9 basis points from the previous quarter, indicating pressure on bank profitability [3][6] - Analysts predict that the overall interest margin for banks may decline by 10 to 15 basis points throughout 2025 due to the combination of LPR cuts and lower funding costs [3][6] - Some smaller banks, like Blue Ocean Bank, have also attempted to raise deposit rates in 2025, indicating a strategy to attract funds amid a competitive environment [6][7] Group 3 - The trend of interest rate adjustments reflects a broader strategy among banks to manage their funding costs and attract deposits, particularly in a low-interest-rate environment [2][6] - Analysts suggest that small and medium-sized banks should focus on niche markets and enhance service quality to differentiate themselves in a competitive landscape [7]

Group 1 - The Loan Prime Rate (LPR) experienced its first reduction of the year on May 20, with expectations of a new wave of interest rate cuts across the banking sector [1][2] - Major state-owned banks, including ICBC, Bank of China, and Agricultural Bank of China, lowered their deposit rates, with one-year deposit rates falling below 1% [2][3] - Private banks, such as Sanxiang Bank and Blue Ocean Bank, also announced reductions in deposit rates, indicating a widespread trend in the banking industry [2] Group 2 - Yilian Bank attracted attention for reportedly raising its one-year fixed deposit rate from 1.85% to 2.00% on May 21, although this announcement could not be verified on their official website [3][4] - The bank's official rate for one-year fixed deposits remained at 1.85% as of May 26, suggesting that the reported increase may have been a temporary promotional activity [4][5] - Analysts noted that Yilian Bank's previous adjustments included rate cuts for longer-term deposits, indicating a general trend of declining rates despite short-term promotional increases [5][6] Group 3 - The narrowing of net interest margins for commercial banks was highlighted, with the margin dropping to 1.43% in Q1 2025, down 9 basis points from the previous quarter [3] - Analysts predict a further decline in net interest margins by 10 to 15 basis points for the entire year of 2025 due to the LPR reduction and lower funding costs [3] - The strategy of small and medium-sized banks to raise short-term deposit rates amidst a general decline in rates is seen as a way to attract funds quickly while managing costs [5][6]