来源：@华夏时报微博 华夏时报记者 张萌 卢梦雪 北京报道 春节假期刚过，银行网点迎来了一波存款高峰。 "开工第一天就来存钱，没想到人这么多。"在上海工作的"90后"小宇拿着过年剩下的现金准备存入银行。他常去 的那家网点大厅里人头攒动，等候区的座位早已坐满。排队的人群中，以中老年人为主，也有不少家长带着孩子 来存压岁钱。柜员不得不提高嗓门询问："有没有办其他业务的？可以到这边来！"但响应者寥寥，绝大多数客户 都是来存款的。 付一夫向记者表示，银行普遍将一季度视为全年业务的"开门红"阶段，抢占这一窗口期对全年业绩至关重要。当 前环境下，银行更倾向于通过"资产配置礼"而非单纯提高存款利率来吸引资金，原因有二：一方面，存款利率已 处于较低水平且持续下行，单纯靠利率竞争空间有限且会进一步压缩银行息差；另一方面，"资产配置礼"能够引 导客户资金从存款转向理财、基金、保险等多元产品，既有助于银行提升中间业务收入，也能通过资产配置服务 增强客户黏性，符合零售业务向财富管理转型的大趋势。 排队间隙，小宇被大厅里一块醒目的"资产配置有礼"宣传板吸引，他顺手扫码看了看活动详情。"现在定存利率不 高，不如先把钱转入理财，把银行送的 ...

Summary of Key Points Core Viewpoint - The announcement by Agricultural Bank of China outlines the holiday market closure schedule for the bond market in 2026, as per the State Council's notification regarding holiday arrangements. Group 1: New Year Holiday - The bond market will be closed for four days from December 31, 2025, to January 3, 2026, and will resume normal operations on January 4, 2026 [1] Group 2: Spring Festival - The market will be closed for ten days from February 14 to February 23, 2026, with normal operations resuming on February 28, 2026 [2] Group 3: Qingming Festival - The bond market will be closed for four days from April 3 to April 6, 2026 [3] Group 4: Labor Day - The market will be closed for six days from April 30 to May 5, 2026, and will resume normal operations on May 9, 2026 [4] Group 5: Dragon Boat Festival - The bond market will be closed for four days from June 18 to June 21, 2026 [5] Group 6: Mid-Autumn Festival - The market will be closed for four days from September 24 to September 27, 2026 [6] Group 7: National Day - The bond market will be closed for eight days from September 30 to October 7, 2026, with normal operations on September 20 and October 10, 2026 [7]