【导读】年末揽储旺季之际，蓝海银行将全部存款产品统一标注为"售罄" 中国基金报记者 马嘉昕 另据一位蓝海银行储户表示，该行这种存款"售罄"状态也有一段时间了。"因为民营银行的存款利率相对较高，所以倾向于在此存款，但最近一段时间该 行均没有额度。" 此外，今年以来，蓝海银行也频繁下调存款利率，据统计，仅上半年其便8次下调存款利率。 临近年末揽储旺季之际，竟然有中小银行悄然将全部存款产品统一标注为"售罄"！ 全部存款产品竟统一标注"售罄" 蓝海银行手机银行App显示，截至目前，该行"银行存款"界面的包括7天通知存款、3个月定期存款、6个月定期存款等全部期限存款产品的申购额度均显 示为"售罄"状态。 不过，在记者操作中发现，目前"蓝宝宝"各期限的存款同样显示为"售罄"。据悉，此产品是蓝海银行的特色存款产品，目前，该存款产品的期限包括3个 月、6个月、1年期、2年期、3年期和5年期，对应显示的存款利率分别为1.35%、1.45%、1.65%、1.85%和2%。 1.35% 3个月定期 伊人 最高年利率 存款期限 1.45% 6个月定期 fir 存款期限 最高年利率 1.65% 1年定期 官) 存款期限 最高年利率 1 ...

Core Viewpoint - The popularity of Labubu, an IP under Pop Mart, has led to a surge in demand, prompting banks to offer promotional activities involving Labubu blind boxes as incentives for deposits, although such marketing strategies have faced regulatory scrutiny and subsequent bans [1][2][4]. Group 1: Marketing Activities - Several branches of Ping An Bank in cities like Xi'an, Shijiazhuang, and Wuhan launched a promotion where new customers could receive Labubu blind boxes by depositing at least 50,000 yuan for a minimum of three to six months [1]. - The promotional strategy aimed to attract more customers amid declining deposit rates and increased competition among banks [1][5]. Group 2: Regulatory Environment - Financial regulatory authorities in the Yangtze River Delta region reiterated a ban on banks using physical gifts or collaborations with internet platforms to attract deposits, requiring immediate cessation of such activities [2]. - The 2018 regulation explicitly prohibits banks from using improper means, such as cash returns or physical gifts, to attract deposits, with multiple banks having faced penalties for violating these rules [4]. Group 3: Financial Implications - The effective cost of the Labubu promotion, when calculated, suggests that the annualized interest rate for a three-month deposit of 50,000 yuan could reach approximately 2.27%, exceeding the typical rates of 1% to 1.5% offered by banks [4][5]. - Concerns have been raised that if banks continue to use such promotional tactics, it could lead to a "gift competition" that raises overall deposit costs and disrupts healthy competition based on service quality [5]. Group 4: Recommendations for Banks - Experts suggest that banks should focus on enhancing service quality and product offerings rather than relying on gift promotions to attract deposits, which could increase non-interest expenses and hidden liabilities [5][6]. - There is a call for banks, especially smaller ones, to shift their operational strategies away from merely pursuing deposit growth towards better asset-liability management and sustainable development [6].