炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 来源：北京商报 距离2026年不足半月，银行"开门红"战役已全面打响。12月18日，北京商报记者注意到，在社交平台 上，"3年定期存款1.9%，20万元起""存款就送礼品，想要的抓紧私我""'开门红'任务已下达，礼品备好 等您来"等此类宣传语频繁出现，利率和礼赠卖点成为银行人揽储的主要战术。在这场年末冲刺中，城 商行、农商行等地方银行全力冲锋、高频造势，国有大行则普遍低调内敛，鲜有主动营销，"开门红"揽 储的温差已然显现。 在社交平台上，不少银行客户经理也晒出清晰的积分换礼规则，米面油、品牌小家电等福利一应俱全， 且明确标注"存款金额越高，礼品等级越优"的规则，以此刺激客户提升存款额度。打开一家城商行客户 经理的朋友圈，日均3条以上的存款产品推广信息密集发布，细化到每档位的积分换礼情况，并搭配清 晰图文与私信预约链接，抢抓每一位潜在客户的紧迫感凸显。 考核机制亦高度绑定存款业绩，北京商报记者了解到，有地方银行网点明确要求客户经理完成存款基础 目标，若未完成，绩效系数将下调0.2；超额完成部分则可计提奖金。不过，如果客户存款在6个月内流 ...

Core Insights - The banking industry's "opening red" marketing campaign for 2026 has started early, breaking the tradition of focusing efforts in the first quarter, with regional small and medium-sized banks leading the charge [2][11] - Different tiers of banks are engaging in differentiated competition in the deposit and wealth management sectors, with national banks focusing on customer operations and precise services, while small banks leverage high interest rates and physical gifts to attract deposits [2][11] Group 1: Marketing Strategies - Major banks are not engaging in homogeneous high-interest deposit competition but are focusing on deep customer engagement and optimizing business structures [12][13] - Agricultural Bank has launched a variety of credit card promotions to enhance customer activity, including a "five times points package" and other engaging activities [12][13] - China Bank is concentrating on asset enhancement and wealth management, with specific incentives for customers who increase their financial assets [12][13] Group 2: Small and Medium-Sized Banks - Small banks are adopting a "high cost-performance ratio" strategy to compete against larger banks, utilizing higher interest rates and physical gifts to attract local customers [5][14] - The interest rates for three-year large deposits at small and medium-sized banks are generally between 1.8% and 2.1%, exceeding the approximately 1.55% offered by major state-owned banks [8][17] - Physical incentives are also a significant strategy for small banks, with various promotional gifts being offered to customers who deposit funds [17] Group 3: Industry Trends - The early start of the "opening red" campaign is likely to become a norm in the banking industry in the coming years, driven by weak economic recovery and a trend towards more fixed deposits [2][11] - Analysts suggest that banks need to enhance customer profiling and demand insights while optimizing assessment mechanisms to avoid a focus solely on scale [2][11]