2025年末,银行业传统的“开门红”揽储活动再次启动,但往昔“全民揽储、利率普涨”的喧闹景象已不复存在。在净息差持续承压与监管规范的双重背景下,一场静悄悄的变革正在发生:国有大行主动收缩长期高成本存款,部分中小银行为冲刺考核则进行阶段性利率上浮,市场呈现出“整体下行、局部上调”的鲜明分化格局。与此同时,财富管理业务强势崛起,数字化营销广泛赋能,昭示着银行揽储正从单纯的“规模竞赛”迈向深度的“价值...
Source Link2025年末,银行业传统的“开门红”揽储活动再次启动,但往昔“全民揽储、利率普涨”的喧闹景象已不复存在。在净息差持续承压与监管规范的双重背景下,一场静悄悄的变革正在发生:国有大行主动收缩长期高成本存款,部分中小银行为冲刺考核则进行阶段性利率上浮,市场呈现出“整体下行、局部上调”的鲜明分化格局。与此同时,财富管理业务强势崛起,数字化营销广泛赋能,昭示着银行揽储正从单纯的“规模竞赛”迈向深度的“价值...
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