Towards the end of the year, traditional savings collection activities in the banking industry arrived as scheduled, but compared with previous years, the “good start” atmosphere in 2026 was not as “hot” as in previous years — although the overall preparation pace was ahead of schedule, the banking sector's savings collection strategy is being adjusted against the backdrop of continued pressure on net interest rates: major commercial banks continue to guide medium- and long-term deposit interest rates downward and gradually reduce the scale of high-cost deposit products; at the same time, in response to phased assessment pressure, some small and medium-sized banks still chose to attract capital through limited interest rate increases and marketing activities. Industry analysis points out that the current differentiated pattern of “overall decline and partial increase” is a reflection of the continued deepening of market-based reforms in deposit interest rates and increased bank pricing autonomy. On the one hand, net interest spreads in the banking sector are already at a historically low level, and there is limited room for further large concessions; on the other hand, the regulatory authorities continue to guide banks to regulate deposit competition and curb irrational savings collection behavior, so this year's “good start” focuses more on the sustainability of business development rather than simply pursuing short-term increases in deposit size.

Towards the end of the year, traditional savings collection activities in the banking industry arrived as scheduled, but compared with previous years, the “good start” atmosphere in 2026 was not as “hot” as in previous years — although the overall preparation pace was ahead of schedule, the banking sector's savings collection strategy is being adjusted against the backdrop of continued pressure on net interest rates: major commercial banks continue to guide medium- and long-term deposit interest rates downward and gradually reduce the scale of high-cost deposit products; at the same time, in response to phased assessment pressure, some small and medium-sized banks still chose to attract capital through limited interest rate increases and marketing activities. Industry analysis points out that the current differentiated pattern of “overall decline and partial increase” is a reflection of the continued deepening of market-based reforms in deposit interest rates and increased bank pricing autonomy. On the one hand, net interest spreads in the banking sector are already at a historically low level, and there is limited room for further large concessions; on the other hand, the regulatory authorities continue to guide banks to regulate deposit competition and curb irrational savings collection behavior, so this year's “good start” focuses more on the sustainability of business development rather than simply pursuing short-term increases in deposit size.