Core Insights - The LABUBU toy has become a marketing tool for banks to attract new customers and deposits, with significant demand in the secondary market where prices have surged over 600% [2][3] - Recent interest rate cuts have led to a "migration" of deposits, as customers seek better returns amid declining savings rates [4][8] - The banking sector is responding to these challenges by offering innovative products and lower fees to retain and attract customers [6][7] Group 1: LABUBU Marketing Strategy - Ping An Bank's initiative to offer LABUBU blind boxes for new customers depositing 50,000 yuan has generated substantial interest, leading to a surge in customer inquiries [2][3] - The LABUBU toy's popularity is evident, with a unique piece selling for 1.08 million yuan at an auction, highlighting its value in the market [3] Group 2: Deposit Migration and Interest Rates - In June, banks have lowered deposit rates significantly, with one-year fixed deposit rates dropping below 1%, prompting customers to reconsider their savings strategies [4][11] - In April 2025, there was a notable outflow of 1.39 trillion yuan in household deposits, indicating a shift in customer behavior towards seeking higher returns [4][9] Group 3: Financial Product Innovations - Financial institutions are introducing lower management fees and innovative products, such as monthly dividend-paying investment options, to attract customers [6][7] - The trend of "fixed income + gold" products is gaining traction, with a significant portion of funds allocated to fixed income assets and a small percentage to gold-related investments [7][12] Group 4: Investment Strategies and Market Trends - The concept of "new three golds" (money market funds, bond funds, and gold funds) is becoming popular among younger investors, reflecting a shift in investment strategies [9][12] - Experts suggest that investors should adopt a diversified approach to manage risks while seeking stable returns, emphasizing the importance of asset allocation [13]

（原标题：理财公司出手，加大"固收+"布局力度） 【导读】应对低利率环境，理财公司加大产品创新并积极布局"固收+" 例如，6月4日，农银理财推出了一款名为"农银安心·灵珑2025年第10期理财产品（鑫享）"的理财产 品。记者注意到，该产品期限为395天，业绩比较基准为2.3%至2.7%，高于同期存款利率；从该产品资 金投向来看，非标准化债券仓位在30%至50%。 徽银理财也于近期推出了一款名为"智盈添金目标盈19号理财"的理财产品，该产品非标债权类资产占比 控制在50%以内。渤银理财"财收有略系列固定收益类二年封闭式理财产品"则将非标资产配置比例锁定 在49%以下，平衡收益与风险。 除此之外，不少理财公司还积极创新分红模式，推出按月或按季分红的理财产品，为投资者提供更灵活 的理财收益获取方式。 例如，5月底农银理财推出了首只分红型理财产品"长辈悦享"。该产品在成立满3个月后可按月进行现金 分红，产品期限为390天，业绩比较基准为2.5%～3.00%。 上银理财和苏银理财也同步加入分红创新阵营，分别推出"安心颐选长盈3年（悠享分红款）""恒源封闭 三年鑫利系列"等产品，通过定期分红机制增强产品对投资者的吸引力。 ...