临近年底，长沙多家银行纷纷推出花样繁多的揽储活动，以冲刺全年存款目标。这些举措包括赠送米面粮油、超市购物卡、话费充值券，甚至有银行提供抽奖机会或高额度积分兑换礼品。部分中小银行还通过提高定期存款利率、设置阶梯式奖励等方式吸引储户资金。业内人士指出，此类‘花式揽储’现象在年末较为常见，主要源于银行面临监管考核压力及年终业绩冲刺需求。然而，过度依赖礼品激励可能掩盖产品本身竞争力不足的问题，长期来看不利于健康经营。监管部门也多次强调，银行应合规开展营销活动，不得变相高息揽储或误导消费者。专家建议，储户在选择存款产品时，应综合考虑安全性、流动性和实际收益，而非仅被短期赠品所吸引。
As the year-end approaches, multiple banks in Changsha have rolled out a variety of creative deposit-gathering campaigns to meet their annual savings targets. These promotions include giveaways such as rice, cooking oil, supermarket gift cards, mobile top-up vouchers, and even lucky draws or high-value reward points redeemable for gifts. Some smaller and mid-sized banks have also raised fixed deposit interest rates or introduced tiered bonus structures to attract deposits. Industry insiders note that such ‘creative deposit drives’ are common toward year-end, driven by regulatory performance assessments and the urgency to hit annual targets. However, overreliance on promotional incentives may mask underlying weaknesses in product competitiveness and is unsustainable in the long run. Regulators have repeatedly stressed that banks must conduct marketing activities in compliance with rules and avoid disguised high-interest offers or misleading customers. Experts advise depositors to evaluate savings products based on safety, liquidity, and real returns—not just short-term giveaways.
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