Core Viewpoint - The article discusses the aggressive deposit acquisition strategies employed by small and medium-sized banks as they approach the end of the year, highlighting both legitimate marketing tactics and the resurgence of questionable practices to meet performance targets [3][4][5]. Group 1: Deposit Acquisition Strategies - As the end of 2025 approaches, banks are entering a "sprint mode" for deposit acquisition, utilizing methods such as raising deposit interest rates, offering gifts, and promoting wealth management products to attract new customers and funds [5][6]. - For instance, Jiangsu Bank has raised the annual interest rate on a three-year fixed deposit product to 1.9%, a 15 basis point increase from the standard rate, while Jilin Bank has increased its three-year fixed deposit rate from 1.75% to 2% [5][6]. - Additionally, banks like Yilian Bank are implementing limited-time offers and gift incentives to draw in customers, with some banks offering gifts for deposits above certain thresholds [6]. Group 2: Market Dynamics and Risks - Industry insiders indicate that the year-end deposit acquisition not only plays a crucial role in banks' strategies but also reflects the challenges faced by small banks in a limited interest rate environment, prompting them to adopt refined operational strategies to attract customers and increase funds [7]. - The phenomenon of "deposit rushing" has re-emerged, where banks attempt to meet performance metrics by rapidly increasing deposits at the end of reporting periods, often facilitated by intermediaries advertising low-cost deposit options [8][9]. - This practice raises concerns about compliance with regulations and the potential risks to depositors' funds, as these operations may violate banking regulations and create market disturbances [11][12]. Group 3: Internal Pressures and Ethical Concerns - The pressure on bank employees to meet performance targets has led to the normalization of purchasing performance indicators through online platforms, with employees spending money to complete deposit and fund purchase tasks to avoid penalties [10]. - Such practices not only expose banks to regulatory risks but also create internal competition issues and could damage the bank's reputation and customer trust [12]. - Experts warn that these practices can lead to long-term negative consequences if not managed properly, emphasizing the need for customers to be aware of the risks associated with participating in such deposit operations [12].

以江苏银行为例，该行部分高额存款产品调高利率，一款3年期定存产品起存20万元，年化利率达到 1.9%，较普通起存额利率上浮15BP。不仅如此，盛京银行、吉林银行、杭州银行等多家中小银行近期 也逆势上调部分定存利率。其中，吉林银行三年期定期存款年化利率从1.75%阶段性上调至2%，杭州银 行对20万元起的新资金三年期定存利率上浮至1.9%，宁波银行则对1年期、3年期定存分别上浮至1.6% 和1.85%。 还有银行以限时放量和赠送礼品的方式吸引客户。以亿联银行为例，该行近期对2年期及以上定期存款 产品实行限量释放，并设立预约窗口。该行表示，资产每新增2万元，可获得1万元的两年期存款额度。 上海银行和温州银行则通过赠送礼品刺激客户新增存款，小额存款赠送洗手液，25万元以上可叠加赠送 油品或小电器。 同时，银行"开门红"布局也逐渐转向财富管理业务，多家机构在年末启动固收类理财、基金及银保产品 推广。例如，针对年终奖，中邮理财发行了三款产品：其中"天天盈"支持每日快赎，0.01元起购，低风 险，7日年化收益率最高达1.52%；另一款"优盛·鸿锦最短持有7天15号薪享C"成立以来年化收益率为 4.76%，风险等级为中低风 ...