Core Viewpoint - The upcoming National Day and Mid-Autumn Festival have triggered a new round of deposit marketing competition among local banks, with various promotional strategies being employed to attract depositors, including higher interest rates and gift incentives. However, the declining interest rate environment poses challenges for sustainable deposit structures and customer retention beyond mere financial incentives [1][5][10]. Group 1: Deposit Marketing Strategies - Local banks are intensifying their deposit marketing efforts by launching unique deposit products with slightly higher interest rates than standard fixed deposits, as well as implementing "points exchange" and "gift-giving" strategies to attract customers [1][3]. - For instance, Pujiang Rural Commercial Bank introduced a "Filial Piety Deposit" product with a starting amount of 100,000 yuan, offering a 3-year interest rate of 2%, which yields 6,000 yuan upon maturity [3]. - Similarly, Fudian Bank has diversified its deposit product offerings, including personal large-denomination certificates of deposit and special products for new customers, with interest rates ranging from 1.45% to 1.95% depending on the term [4]. Group 2: Challenges and Regulatory Concerns - The competitive advantage of local banks in terms of high interest rates has diminished due to multiple rounds of interest rate cuts, leading to a convergence towards industry averages [4][5]. - The use of gift incentives for deposit attraction raises regulatory concerns, as it may violate guidelines that prohibit improper methods of deposit solicitation, such as cash returns or gifts [9]. - Regulatory scrutiny has increased, with local banks facing pressure to comply with rules that restrict promotional practices that could be interpreted as disguised high-interest deposit solicitation [9][10]. Group 3: Long-term Strategies for Local Banks - To adapt to the low-interest-rate environment, local banks need to rethink their deposit strategies, focusing on building sustainable liability structures and enhancing customer loyalty beyond financial incentives [1][5][11]. - Experts suggest that local banks should improve their service capabilities, strengthen risk management, and develop long-term strategies to remain competitive in the market [6][11]. - Additionally, local banks are encouraged to integrate community financial services, leverage financial technology, and optimize liquidity management to reduce reliance on high-cost deposits and enhance operational efficiency [11][12].

国庆中秋"双节"临近，地方银行揽储大战再度拉开帷幕。9月29日，北京商报记者注意到，多家地方银 行正密集加码存款营销，有的银行推出特色存款产品，以略高于普通定期存款的利率吸引储户；有的银 行主打"积分兑换""实物馈赠"策略，礼品从抽纸、米面油到电饼铛等一应俱全。 然而，在热闹营销的背后，隐忧同样不容忽视。曾作为地方银行揽储核心优势的高利率，经历多轮下调 后已逐步向行业均值靠拢，利率优势日渐式微。与此同时，以"送礼"等方式变相揽储的做法，也游走在 监管政策的"红线"边缘。 为迎接"双节"，浦江农商行近日推出了"孝心存"存款产品，该产品以10万元为起存金额，3年期年利率 达2%，到期可获利息6000元；1年期年利率为1.5%，到期收益为1500元。 为突出"孝心存"的优势，浦江农商行还同步展示了普通定期存款产品的利率供储户对比参考。普通定期 存款中，1年期、2年期和3年期的存款利率分别为1.2%、1.25%和1.58%，以10万元起存计算，到期收益 分别为1200元、2500元和4740元。 无独有偶，富滇银行也推出了多元化的存款产品矩阵，涵盖个人大额存单、定期存款、通知存款等，其 中个人大额存单20万元起存，限 ...