同时，该行定期分析阶段性客户需求集中度，有针对性地组织开展主题沙龙，已成功针对有子女教育规 划需求的家庭开展"智慧教育伴成长特色财富助未来"主题沙龙，围绕"教育"与"财富"两类核心需求，特 别邀请青少年教育专家为高净值客户开展专题授课，提供极具针对性和人文关怀的金融解决方案，形成 代销业绩增长、客户黏性提升、理财团队能力提升、客户需求满足等多赢局面。 通过一系列"分层分类、精准滴灌"的营销活动，泗阳农商银行精准对接不同客群需求，成功实现活动当 日代理销售保险产品逾190万元，代理销售贵金属产品超140万元，充分彰显了客户对该行财富管理专业 能力的高度信赖。王彬 该行精心策划的不同系列财富主题活动，将专业的金融知识和贴心的财富服务送到客户身边，实现了与 客户的"零距离"互动。精心打造"农商相伴财富增值"营销沙龙系列活动，满足客户多元化财富增值服务 需求。与保险公司、贵金属公司联动，有计划地在全辖所有网点流动式开展代销保险、贵金属产品金融 服务宣介答疑活动。 今年以来，泗阳农商银行坚持以客户为中心，将财富管理作为零售升级的重要方向，着力打造专业、规 范、有温度的财富管理服务体系，积极应对客户需求转变。 为确保财富 ...

中小银行抢跑"开门红" 近期，多家中小银行宣布开始"开门红"营销活动。兰州银行12月5日宣布开启"开门红"活动，其中包括 信用卡支付优惠、快捷支付绑卡赠送支付券、生活服务卡券优惠价推介、"开门红"专属理财代销等具体 项目。金台农商银行2026年"新禾行动"动员会则在12月3日召开，会议强调"新禾行动"要紧盯普惠贷 款、"三年倍增"、代销理财等重点指标，并提出坚守存款生命线、激活信贷新动能、拓展中收增长极、 夯实客群基本盘等具体目标。 事实上，今年不少中小银行"开门红"营销提前启动。10月11日，宁波东海银行就召开2025年三季度经营 工作会议暨"开门红"工作部署会，会议提出在创设特色化产品、零售客群差异化破局、做大做稳普惠小 微公司贷款等业务上抓好落实工作。10月21日，华夏银行太原分行也召开2025年三季度经营分析会暨 2026年"开门红"启动会。并提出具体部署，包括紧扣存款与龙e贷两大核心业务，重点突破个人经营性 贷款、高端信用卡及付费权益产品，以及重点代销财私产品，夯实财私客户、代发客户、千元活跃客户 及信用卡价值客户的重点客群根基等。 一位银行业分析师告诉记者，中小银行的"开门红"营销节奏明显提前，从 ...

Core Insights - The continuous decline in bank deposit interest rates in China has led to a significant increase in residents' savings, with new deposits reaching 11.09 trillion yuan from January to July this year [1][3] Group 1: Deposit Trends - The three-year deposit interest rate has fallen below 3%, marking the beginning of a "two-digit" era for domestic bank deposits [1] - Despite low interest rates, the demand for savings remains strong as residents view savings as a crucial buffer against uncertainties such as unemployment and unexpected medical expenses [3] Group 2: Investment Strategies - Residents are advised to pay attention to liquidity when choosing deposit terms, as locking funds in long-term deposits can lead to significant interest losses if early withdrawal is necessary [5] - A suggested strategy is to divide savings into three parts, investing in one-year, two-year, and three-year fixed deposits to ensure annual liquidity while maximizing interest [5] Group 3: Risk Management - It is recommended that depositors avoid concentrating all funds in a single bank, especially smaller banks that may offer higher rates but carry bankruptcy risks [7] - Depositors should diversify their savings across multiple banks, ensuring that no single bank holds more than 500,000 yuan to protect against potential losses [7] Group 4: Awareness of Financial Products - Caution is advised against purchasing high-risk financial products that may be misrepresented as innovative deposit options by bank staff [9] - Depositors should personally verify the nature of the products they are purchasing to avoid misunderstandings and potential financial losses [9] Group 5: Maximizing Returns - In addition to the above strategies, depositors should actively seek out opportunities for higher returns through large-denomination certificates of deposit or government bonds, which typically offer better rates than standard fixed deposits [10]

Core Viewpoint - The company is focused on maintaining steady growth in loan issuance while supporting the real economy and rural revitalization efforts, with a strategic emphasis on agricultural and small micro-enterprises [3]. Group 1: Impact of U.S. Tariff Policies - The overall impact of U.S. tariff policies on the bank's clients is manageable, as there are few credit clients involved in U.S. imports and exports [2]. - The bank plans to closely monitor international policy changes and provide services such as exchange rate hedging to help clients mitigate trade risks [2]. - The bank will enhance financial support for existing import and export credit clients through fee reductions and process optimizations [2]. Group 2: Loan Growth Outlook - The bank expects a steady increase in loan scale for 2025, focusing on supporting the real economy and rural revitalization [3]. - There will be an emphasis on credit issuance for agricultural and small micro-enterprises, reinforcing the bank's strategic positioning in these areas [3]. - The bank aims to control risks while increasing loan issuance and optimizing loan structures to support economic development [3]. Group 3: Fee Income and Business Development - The bank plans to implement multiple measures to advance its intermediary business development in 2025 [4]. - There will be a focus on optimizing asset management structures and enhancing the scale of insurance product sales [4]. - The bank aims to improve comprehensive service capabilities for corporate clients, addressing their diverse needs in financing, foreign exchange trading, and asset management [4]. Group 4: Financial Performance - In the first quarter of 2025, the bank reported a main revenue of 3.057 billion yuan, a year-on-year increase of 0.99% [5]. - The net profit attributable to shareholders was 1.182 billion yuan, reflecting a year-on-year growth of 7.97% [5]. - The bank's investment income reached 0.962 billion yuan, with a debt ratio of 91.89% [5].