"收益率可以的话，拿到年终奖之后应该会配置一些理财产品。"近日，21世纪经济报道记者在采访中， 不少职场人如此表示。 眼下，正是年终奖陆续到账的时候。这笔收入如何打理，成了许多上班族关注的实际问题。旺盛的理财 需求，也让其成为银行年末营销的重点目标。 市场另一头，银行早已行动起来。不少机构针对年终奖资金特点，推出专属理财活动，提供申赎灵活、 门槛较低、收益具备竞争力的产品。一场围绕年终奖资金的"抢滩战"，正在低调而激烈地展开。 银行"抢滩"年终奖 随着年终奖陆续发放，银行间的理财营销热潮已然拉开，市场氛围日益浓厚。各大银行纷纷推出专属活 动和产品，力争在年终资金流动高峰期吸引客户。 交通银行就以"万马奔腾'交'好运，年终奖好去处"为口号，针对工资卡客户推出了专属理财系列。该系 列包含七款产品，涵盖每日开放型与不同期限封闭型，以满足多样化的流动性需求。其中，"交银理财 灵动添利6号新薪宝"表现亮眼，提供4.68%的年化收益率，支持每日开放申购赎回，且1元起购，兼顾 了收益性与灵活性。 工商银行则在其"工银薪管家"板块集中推介了三款理财产品。以"工银理财·鑫悦优先股策略优选最短持 有90天混合类开放式理财产品（薪 ...

21世纪经济报道 记者郭聪聪 "收益率可以的话，拿到年终奖之后应该会配置一些理财产品。"近日，21世纪经济报道记者在采访中， 不少职场人如此表示。 眼下，正是年终奖陆续到账的时候。这笔收入如何打理，成了许多上班族关注的实际问题。旺盛的理财 需求，也让其成为银行年末营销的重点目标。 市场另一头，银行早已行动起来。不少机构针对年终奖资金特点，推出专属理财活动，提供申赎灵活、 门槛较低、收益具备竞争力的产品。一场围绕年终奖资金的"抢滩战"，正在低调而激烈地展开。 银行"抢滩"年终奖 随着年终奖陆续发放，银行间的理财营销热潮已然拉开，市场氛围日益浓厚。各大银行纷纷推出专属活 动和产品，力争在年终资金流动高峰期吸引客户。 交通银行（601328）就以"万马奔腾'交'好运，年终奖好去处"为口号，针对工资卡客户推出了专属理财 系列。该系列包含七款产品，涵盖每日开放型与不同期限封闭型，以满足多样化的流动性需求。其 中，"交银理财灵动添利6号新薪宝"表现亮眼，提供4.68%的年化收益率，支持每日开放申购赎回，且1 元起购，兼顾了收益性与灵活性。 工商银行（601398）则在其"工银薪管家"板块集中推介了三款理财产品。以"工银理 ...

临近岁末，多家银行理财正瞄准年终奖市场抢先布局。《证券日报》记者注意到，近期已有多家银行在 手机银行等线上渠道上线年终奖专属理财活动。 交通银行推出"年终奖已到账，'薪'动家族'瓜分'年终奖"活动，覆盖存款、理财、基金、贵金属、保险 等全品类产品。其年终奖专享理财以低风险为核心特点，期限从随时赎回到年度投资灵活可选，部分产 品近3个月年化收益率超4.6%。 薛洪言认为，投资者决策过程需秉持理性态度，做好统筹规划。首先，明确资金用途划分，厘清短期备 用资金与长期闲置资金比例：短期备用资金适宜配置活期理财、货币基金等流动性较强的产品；长期闲 置资金可结合风险承受能力，考虑配置稳健型理财产品或开展基金定投。其次，无论选择何种产品，均 需仔细研读产品说明书，明确资金投向、风险等级、费用收取标准等核心信息，避免被高收益宣传误 导。此外，应坚持分散投资原则，避免资金过度集中于单一产品或机构；同时合理规划投资期限，保障 资金流动性与使用需求相匹配，防止因期限错配导致急需资金时无法支取。 （文章来源：证券日报） 上海金融与法律研究院研究员杨海平对《证券日报》记者表示，今年银行年终奖理财营销策略的转变， 反映了银行理财子公司正 ...

与往年相比，今年末各家银行的年终奖理财营销策略呈现出明显的不同。 在普益标准研究员付翘楚看来，其变化主要体现在两个路径上：一是各家银行提供一站式综合资产配置 方案。部分银行致力于通过整合存款、理财、基金、保险、贵金属等全品类金融产品，为客户构建覆盖 多场景需求的一站式解决方案；二是聚焦专业资产配置服务，一些银行的营销重点并非简单罗列产品， 而是直接提供基于客户风险偏好与资金用途的配置策略与投资逻辑。 记者注意到，近日，广发银行梅州分行针对年终奖理财为投资者制定资产配置攻略，建议投资者采 用"保守+稳健+进取"的阶梯式策略进行资产配置，为不同风险承受能力的资金部分匹配相应产品。 "距离发放年终奖还有一个多月，手机银行就接连收到理财推荐了。"在北京从事互联网运营工作的赵先 生对记者说道，自己的年终奖预计在2026年1月底发放，最近有不少银行陆续推送了年终奖专属理财活 动，他已经提前开始考虑这笔资金的打理方式。 岁末年初，年终奖成为职场人翘首以盼的"年终大礼"，这笔规模可观的闲置资金也如期成为各家银行及 理财公司的必争之地。 记者梳理发现，2025年岁末至今，交通银行、邮储银行（601658）、广发银行等多家机构已 ...

原标题：年终奖发放倒计时！多家银行已推出专属理财→ 来源：金融时报客户端 记者：张冰洁 "距离发放年终奖还有一个多月，手机银行就接连收到理财推荐了。"在北京从事互联网运营工作的赵先 生对记者说道，自己的年终奖预计在2026年1月底发放，最近有不少银行陆续推送了年终奖专属理财活 动，他已经提前开始考虑这笔资金的打理方式。 岁末年初，年终奖成为职场人翘首以盼的"年终大礼"，这笔规模可观的闲置资金也如期成为各家银行及 理财公司的必争之地。 在普益标准研究员付翘楚看来，其变化主要体现在两个路径上：一是各家银行提供一站式综合资产配置 方案。部分银行致力于通过整合存款、理财、基金、保险、贵金属等全品类金融产品，为客户构建覆盖 多场景需求的一站式解决方案；二是聚焦专业资产配置服务，一些银行的营销重点并非简单罗列产品， 而是直接提供基于客户风险偏好与资金用途的配置策略与投资逻辑。 《金融时报》记者注意到，近日，广发银行梅州分行针对年终奖理财为投资者制定资产配置攻略，建议 投资者采用"保守+稳健+进取"的阶梯式策略进行资产配置，为不同风险承受能力的资金部分匹配相应 产品。 "这些营销实践的变化，体现了银行理财行业向'以客户为中 ...

Core Viewpoint - The article discusses the aggressive deposit acquisition strategies employed by small and medium-sized banks as they approach the end of the year, highlighting both legitimate marketing tactics and the resurgence of questionable practices to meet performance targets [3][4][5]. Group 1: Deposit Acquisition Strategies - As the end of 2025 approaches, banks are entering a "sprint mode" for deposit acquisition, utilizing methods such as raising deposit interest rates, offering gifts, and promoting wealth management products to attract new customers and funds [5][6]. - For instance, Jiangsu Bank has raised the annual interest rate on a three-year fixed deposit product to 1.9%, a 15 basis point increase from the standard rate, while Jilin Bank has increased its three-year fixed deposit rate from 1.75% to 2% [5][6]. - Additionally, banks like Yilian Bank are implementing limited-time offers and gift incentives to draw in customers, with some banks offering gifts for deposits above certain thresholds [6]. Group 2: Market Dynamics and Risks - Industry insiders indicate that the year-end deposit acquisition not only plays a crucial role in banks' strategies but also reflects the challenges faced by small banks in a limited interest rate environment, prompting them to adopt refined operational strategies to attract customers and increase funds [7]. - The phenomenon of "deposit rushing" has re-emerged, where banks attempt to meet performance metrics by rapidly increasing deposits at the end of reporting periods, often facilitated by intermediaries advertising low-cost deposit options [8][9]. - This practice raises concerns about compliance with regulations and the potential risks to depositors' funds, as these operations may violate banking regulations and create market disturbances [11][12]. Group 3: Internal Pressures and Ethical Concerns - The pressure on bank employees to meet performance targets has led to the normalization of purchasing performance indicators through online platforms, with employees spending money to complete deposit and fund purchase tasks to avoid penalties [10]. - Such practices not only expose banks to regulatory risks but also create internal competition issues and could damage the bank's reputation and customer trust [12]. - Experts warn that these practices can lead to long-term negative consequences if not managed properly, emphasizing the need for customers to be aware of the risks associated with participating in such deposit operations [12].

Core Insights - The article highlights the increasing pressure on banks, particularly small and medium-sized banks, to attract deposits as the year-end approaches, leading to various promotional strategies and potential compliance risks [1][2][3]. Group 1: Deposit Strategies - Banks are employing strategies such as raising deposit interest rates, offering gifts, and promoting wealth management products to attract new customers and funds [2][3]. - For instance, Jiangsu Bank has raised the annual interest rate on a three-year fixed deposit product to 1.9%, a 15 basis points increase from the standard rate [2]. - Other banks, including Jilin Bank and Hangzhou Bank, have also increased their deposit rates, with Jilin Bank's three-year fixed deposit rate rising from 1.75% to 2% [2]. Group 2: Wealth Management Focus - Many banks are shifting their focus towards wealth management products as part of their year-end strategies, launching fixed-income products and promotional activities [3]. - For example, China Post Life has introduced three products targeting year-end bonuses, with one offering a maximum annualized yield of 1.52% [3]. - This shift is seen as a way for banks to stabilize liabilities and attract new funds while also increasing non-interest income [3]. Group 3: Compliance Risks - The phenomenon of "deposit rush" has resurfaced, where banks engage in practices to meet performance targets, potentially leading to compliance risks and market disturbances [4][6]. - There are reports of intermediaries advertising "end-of-year deposit rush" services, where funds are concentrated to meet performance metrics, raising concerns about regulatory compliance [4]. - Such practices may violate regulations and could expose banks to legal risks, as well as jeopardize customer funds [6]. Group 4: Internal Pressure and Ethical Concerns - The pressure on bank employees to meet performance targets has led to the normalization of purchasing performance indicators through online platforms [5]. - Employees may resort to these practices to avoid penalties and secure bonuses, indicating a culture of performance-driven behavior that could harm the bank's reputation [5][6]. - The reliance on such practices raises ethical concerns and could lead to internal corruption and a loss of customer trust [6].

年末岁尾，年终奖成为职场人最期待的"年终大礼"，这笔待入账的资金也成为银行营销重点。12月21 日，北京商报记者注意到，近期，多家银行已抢先布局，在手机银行等线上渠道上线年终奖专属理财活 动，营销布局各有特色，部分机构整合理财、基金、贵金属等全品类资产，打造一站式年终奖理财方 案；另有银行聚焦资产配置逻辑，为客户提供投资策略。从产品供给来看，中低风险理财产品成为银行 主推的核心方向，这类产品在严控风险的前提下兼顾收益潜力，贴合大众稳健理财的需求。分析人士建 议，对投资者而言，需理性看待业绩比较基准，锚定自身资金用途与风险承受能力进行投资。 银行发力年终奖理财 "年终奖还没发，银行的理财推广先到了，"白领杨光（化名）的年终奖预计在2026年2月左右发放，他 原本的计划是拿到年终奖后，先偿还部分房贷，再将剩余资金存成定期存款，但接连收到的推广让他有 些心动，想看看有没有合适的稳健型理财产品，能多赚点利息。 北京商报记者在杨光展示的邮储银行App上看到，该行在手机银行"掌工资"服务板块推出了"开'薪'年终 奖，财富这样'理'"活动，点开服务专区，共展示了3款中邮理财发行的产品，一款名为"天天盈"，该产 品支持每日快 ...

Core Insights - Year-end bonuses are a key focus for banks, leading to the launch of specialized financial products aimed at maximizing returns for employees expecting these bonuses [1][4] - Banks are promoting low to medium-risk financial products, aligning with the conservative investment preferences of the general public [1][4] Product Offerings - Several banks, including Postal Savings Bank, have introduced specific financial products for year-end bonuses, such as "天天盈" with a maximum annualized yield of 1.52% and "优盛·鸿锦最短持有" with a yield of 4.76% [2] - The products are designed to cater to different investment timelines and risk appetites, with options ranging from low-risk daily redeemable products to those with longer holding periods [3] Marketing Strategies - Banks are intensifying their marketing efforts around year-end bonuses to boost their wealth management, fund, and insurance services, enhancing customer loyalty and overall contribution [4] - The marketing strategies include a variety of products such as deposits, wealth management, funds, and insurance, with a focus on low-risk options [3][4] Investment Recommendations - Analysts suggest that investors should assess their risk tolerance and investment needs before selecting financial products, recommending low-risk options for short-term needs and higher-yield products for long-term investments [5] - The importance of understanding the performance benchmarks of financial products is emphasized, as actual returns may vary due to market conditions [5]

年末岁尾，年终奖成为职场人最期待的"年终大礼"，这笔待入账的资金也成为银行营销重点。12月21日，北京商报记者注意到，近期，多家银行已抢先布 局，在手机银行等线上渠道上线年终奖专属理财活动，营销布局各有特色，部分机构整合理财、基金、贵金属等全品类资产，打造一站式年终奖理财方案； 另有银行聚焦资产配置逻辑，为客户提供投资策略。从产品供给来看，中低风险理财产品成为银行主推的核心方向，这类产品在严控风险的前提下兼顾收益 潜力，贴合大众稳健理财的需求。分析人士建议，对投资者而言，需理性看待业绩比较基准，锚定自身资金用途与风险承受能力进行投资。 银行发力年终奖理财 "年终奖还没发，银行的理财推广先到了，"白领杨光（化名）的年终奖预计在2026年2月左右发放，他原本的计划是拿到年终奖后，先偿还部分房贷，再将 剩余资金存成定期存款，但接连收到的推广让他有些心动，想看看有没有合适的稳健型理财产品，能多赚点利息。 交通银行多家分支机构营销了该行推出的"年终奖已到账，'薪'动家族'瓜分'年终奖"活动，覆盖全品类产品，包括存款、理财、基金、贵金属、保险等多种 产品。以理财产品为例，交通银行推出的年终奖专享理财整体特点为风险偏低、期 ...