12月3日，存款利率处于历史低位情况下，银行一年一度的"开门红"又该如何开展？财联记者近日采访 多家机构了解到，多地银行"开门红"营销较往年有所提前，以便提前锁定优质客户和发力中收业务。 与此同时，银行"开门红"营销差异化也日趋明显。虽然不少地方性银行依然将揽储作为重点来做，但部 分银行需求有所减弱，而多数大行策略更是明显转变，重点发力财富管理业务，在营销上也更显低调。 此外，智通财经记者注意到，相较于往年，今年部分银行对揽储需求有所减弱。在为明年"开门红"做准 备，部分银行甚至要先进行"排水"，即要求客户暂时先将资金转出。 受访业内人士指出，银行业正在经历一场深刻的转型，从传统的存贷业务向综合金融服务转变，而"开 门红"正是这种转型的缩影，映射出银行在变化的市场环境中寻找新增长点的努力。 净息差收窄压力下，银行提早发力"开门红"营销 据了解，往年银行"开门红"大多集中在第一季度，而今年市场节奏明显前置。自11月下旬起，已有多家 银行通过召开"专项启动会"等形式，在内部下达了针对资管产品销售的冲刺任务。 "最近接到的培训通知特别密集，都是关于新产品推介和营销技巧的。"一位城商银行客户经理向智通财 经记者透露， ...

Group 1 - Gold prices surged on October 13, with spot gold reaching a high of $4060 per ounce and COMEX gold exceeding $4070 per ounce [1] - As of the report, spot gold was priced at $4046.06 per ounce, while COMEX gold was at $4066.1 per ounce [1] - The London gold price on October 10 was reported at $4017.845 per ounce, reflecting a year-to-date increase of 53.11% [5] Group 2 - The recent volatility in precious metals markets has seen both gold and silver prices hitting record highs, with silver prices increasing by 73.53% year-to-date [5][6] - Analysts from CITIC Futures indicated that the upward trend in precious metals is supported by the onset of a Federal Reserve rate cut cycle and liquidity easing [6] - Key factors to monitor include the U.S. government's "shutdown" developments and the release of non-farm payroll and inflation data [6] Group 3 - Major banks, including China Construction Bank and Industrial and Commercial Bank of China, have issued risk warnings regarding the increased volatility in precious metals prices [8][10] - These banks recommend that clients manage their positions carefully and stay informed about market changes to mitigate risks [8][10] - The adjustments in risk ratings for various asset management products by banks reflect the overall market volatility and aim to guide investors in making informed decisions [11][12]