Core Viewpoint - The article discusses the recent trends in bank deposit acquisition strategies, particularly in response to regulatory scrutiny and changing interest rates, highlighting the innovative approaches some banks are taking to attract new customers while managing deposit levels [1][2][5]. Group 1: Deposit Acquisition Strategies - As the June assessment deadline approaches, banks are intensifying their deposit acquisition efforts, with some engaging in promotional activities that have drawn regulatory attention [1]. - A specific case is noted where Ping An Bank offered promotional gifts, such as LABUBU blind boxes, to attract new account holders, indicating a shift towards integrating cultural elements into financial services [1][5]. - Regulatory bodies have begun to restrict banks from using high-value gifts for deposit acquisition, aiming to reduce "loss-making deposit acquisition" practices [2][3]. Group 2: Interest Rate Changes and Market Impact - Since late May, major state-owned banks have collectively lowered deposit interest rates, with one-year fixed deposit rates dropping below 1%, leading to a "deposit migration" phenomenon as customers seek better returns [2]. - The decline in interest rates has resulted in a significant increase in fixed-income products, surpassing 23 trillion yuan, and cash management products exceeding 7 trillion yuan, reflecting a nearly 8% increase since March [2]. Group 3: Customer Acquisition Focus - Banks are increasingly focusing on acquiring high-quality customers who can generate intermediary income, rather than solely increasing deposit volumes [5]. - The article emphasizes that the LABUBU promotional strategy is designed to attract a younger demographic with both spending and investment potential, which could enhance retail business growth [5].

我这倒也不是标题党，而是来自微众银行（腾讯旗下的）的消息，这周其公告，从4月29日，也就是下周二开始，全面下调定存利 率，具体调整情况，我做了一个表格，如下。 | 期限 | 原存款利率 | 下调后的利率 | 降幅 | | --- | --- | --- | --- | | 1年 | 1.80% | 1. 60% | 20bps | | 2年 | 2% | 1. 60% | 40bps | | 3年 | 2% | 1. 60% | 40bps | | 5年 | 2% | 1. 60% | 40bps | 也就是说，1年期定存下调0.2%，2年及以上的定存利率，下调0.4%，有四块可以讨论的点。 第一，一次性下调 幅度 非常大 ，在20%左右； 第二，和大行的定存利率 价差 缩小 ，我看了一眼招行的存款挂牌利率，1、2、3、5年，分别是1.1%、1.2%、1.5%、1.55%，也就 是说，3年和5年的定存利率，几乎拉平了； 第三，收益率曲线极度扁平，1年到5年都是同一个报价，这个价格隐含的假设是，认为未来5年， 市场利率 会保持不变，或者还会 下行。 2、很多大行，想降存款利率，但像上面微众银行这样的互联网银行， ...