Core Viewpoint - Banks are increasingly adopting creative and unconventional methods to attract deposits, such as offering internships and promotional gifts, in response to declining deposit interest rates [1][2][8]. Group 1: Innovative Deposit Attraction Strategies - Industrial banks are launching unique initiatives like offering internships for clients who deposit significant amounts, such as 10 million yuan for new clients and 5 million yuan for existing private banking clients [1]. - Promotional activities include giving away popular collectible toys, such as Labubu blind boxes, to new customers who open savings accounts and deposit over 50,000 yuan [1][13]. - Other banks are providing various incentives, such as movie tickets for children’s savings accounts and health services for clients who meet certain deposit thresholds [3][4]. Group 2: Public Reaction and Employee Pressure - The public's response to these promotional strategies is mixed, with some finding them innovative while others are confused or critical of the need for such tactics [2][9]. - Despite the vibrant marketing campaigns, the pressure to meet deposit targets falls heavily on bank employees, who face significant stress and scrutiny during key assessment periods [9][10]. - Employees often resort to unconventional methods to meet their targets, including offering personal incentives or engaging in practices that may not comply with regulations [11][12]. Group 3: Regulatory Environment and Future Considerations - Regulatory bodies are beginning to impose restrictions on banks' promotional activities, emphasizing the need for compliance while still allowing for innovative approaches to attract deposits [13]. - The banking industry faces the challenge of balancing deposit attraction strategies with regulatory compliance and genuine customer needs, highlighting the importance of developing effective incentive mechanisms [12][13].

Group 1 - The core viewpoint is that children's financial education is gaining traction, with banks increasingly focusing on this segment as a new competitive arena in retail finance [1][2] - Various children's financial services have been launched, such as "Little Jing's Lucky Money," "Baby Piggy Bank," and "Wealth Little Manager," which not only provide savings channels but also serve as important vehicles for financial education [1] - Banks have taken on the role of guiding children's financial education, transforming into experimental fields for children to actively participate in financial practices [1] Group 2 - The introduction of children's savings accounts, children's bank cards, and parent-child cards has become standard among banks, but the application process is often criticized for being cumbersome [2] - Many banks require multiple documents for minors under 16 to open accounts, which adds to the burden of proof for customers [2] - The children's bank cards typically offer basic functions like deposits and withdrawals but lack features for purchasing investment products, leading to a "hot opening, cold deposit" phenomenon [2] Group 3 - Banks need to enhance the user experience for children and parents by simplifying the application and usage processes while ensuring financial security [3] - A tailored, differentiated operational strategy for different child demographics should be a focus for future development in children's financial services [3] - There is significant potential for expanding family financial services linked to children's financial services, creating a comprehensive financial ecosystem that includes parent-child accounts and family wealth management [3]