中经记者 郭建杭 北京报道 银行揽储的营销活动随着年末临近持续升温。 《中国经营报》记者注意到，伴随今年存款利率多轮下调、国有大型银行集体下架五年期大额存单产品 等市场变化，中小银行在2026年"开门红"营销即将到来之际表现出更为精细化的揽储策略。不仅通过上 浮利率、发行大额存单、存款送积分等传统方式揽储，还有部分银行对存款产品设定不同起存门槛、不 同利率，以及上浮利率须满足额外限定政策等条件。 业内人士指出，银行存款利率上浮整体来看比往年更克制，而客户分层则更为细致。这既能优化存款结 构、降低整体付息成本，又能筛选出高净值客户做交叉销售。 存款利率议价再现 杭州银行（600926.SH）近期发布的限定地区专属定存产品，三年期定期产品的起购门槛分别为5万 元、20万元和50万元，对应利率水平分别为1.65%、1.75%和1.8%。 12月1日，内蒙古农商银行多家支行发布第七期金彩社保盈·存款产品公告，根据公告可知，该期产品销 售期限为12月1日至12月31日，个人存款产品分为社保卡专属和非社保卡专属两类，起存门槛也分为100 元起存和20万元起存。其中，社保卡专属的"金彩社保盈"系列产品，100元起存的一年期 ...

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Core Viewpoint - The article discusses the recent trend of declining deposit interest rates and offers practical financial management tips to balance liquidity and returns, emphasizing the importance of savings and investment strategies in personal finance management [1]. Group 1: Savings and Investment Strategies - The "334 Rule" is proposed for effective fund allocation, suggesting that 30% of income should be allocated to liquid investments, another 30% to fixed-income products, and the remaining 40% to secure assets like fixed deposits and government bonds [4]. - Various "pain-free saving methods" are introduced, including systematic investment plans (SIPs) in mutual funds, the "Twelve Deposit Rule" for regular savings, and savings insurance as a means of enforced saving [5]. Group 2: Types of Financial Products - Different types of bank deposits are outlined, including fixed deposits, large-denomination certificates of deposit (CDs), and notice deposits, with a focus on the current phenomenon of interest rate inversion where longer-term deposits yield lower rates than shorter ones [7][8]. - Government bonds are highlighted as a popular investment choice, often selling out quickly, with current rates for three-year and five-year bonds at 1.93% and 2% respectively, offering better returns compared to declining deposit rates [9]. - Savings insurance is recommended for long-term financial planning, with features such as guaranteed returns and the potential for wealth transfer, although current rates have decreased to around 2.5% [10]. Group 3: Financial Product Selection - For liquid investments, newly launched financial products are suggested as they may offer higher initial yields, while for longer-term investments, closed-end and open-end financial products are recommended for their stability and automatic reinvestment features [11][12].