压岁钱如何存？银行扎堆上线儿童金融产品

国际金融报02-13

随着马年新春的脚步临近，孩子们又将迎来一大笔“进账”。压岁钱谁来管、怎么打理，成为春节期间的一道“选择题”。《国际金融报》记者注意到，近期，招商银行、北京银行、蒙商银行、鄞州银行等多家机构纷纷上线架压岁钱“攻略”，推出限时高息存款、发行儿童卡和儿童存单，部分机构三年期存款利率可达1.88%。区别于往年可选产品仅有存款，黄金、保险也成为今年的发力点。受访专家指出，银行发力儿童金融产品，有利于通过早期...

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href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20260213173325a4a036e6&s=b><strong>国际金融报</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>随着马年新春的脚步临近，孩子们又将迎来一大笔“进账”。压岁钱谁来管、怎么打理，成为春节期间的一道“选择题”。《国际金融报》记者注意到，近期，招商银行、北京银行、蒙商银行、鄞州银行等多家机构纷纷上线架压岁钱“攻略”，推出限时高息存款、发行儿童卡和儿童存单，部分机构三年期存款利率可达1.88%。区别于往年可选产品仅有存款，黄金、保险也成为今年的发力点。受访专家指出，银行发力儿童金融产品，有利于通过早期...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20260213173325a4a036e6&s=b\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0384037296.USD","symbol_name":"ALLIANZ ASIAN MULTI INCOME PLUS \"AT\" (USD) 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Banks gather together to launch children's financial products","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"03968":0.9,"03143":0.6},"content_text":"随着马年新春的脚步临近，孩子们又将迎来一大笔“进账”。压岁钱谁来管、怎么打理，成为春节期间的一道“选择题”。《国际金融报》记者注意到，近期，招商银行、北京银行、蒙商银行、鄞州银行等多家机构纷纷上线架压岁钱“攻略”，推出限时高息存款、发行儿童卡和儿童存单，部分机构三年期存款利率可达1.88%。区别于往年可选产品仅有存款，黄金、保险也成为今年的发力点。受访专家指出，银行发力儿童金融产品，有利于通过早期接触锁定客群、建立品牌黏性，并有利于拓展家庭整体业务进而拓宽交叉销售空间。未来，儿童金融服务将作为银行细分客群的一个重要方向得到深化。银行瞄准“压岁钱”今年春节前夕，与压岁钱相关的金融服务成为多家银行推广的主力产品之一。《国际金融报》记者注意到，与往年相比，今年银行的“压岁钱”产品体系明显更为完整和细致，相较此前主推专属存款的情况，今年多家机构还推出了黄金、保险等产品供投资者选择。“集结吧！高财商宝宝！”点开招商银行手机银行App，一份“压岁钱有新招”的攻略已经上线。记者注意到，该行推出了子女银行卡以及在家长名下创建子女专项账户的功能，并限时推出办理账户抽取AI学习机等礼品的活动。“压岁钱规划”一栏则给出了三个选择，其中，实物金饰品给出了每克减30元的专属优惠，定期存款则并未推出专属产品，利率也没有上浮。此外，保险产品也被放入压岁钱理财的方案中。地方中小银行也成为营销“压岁钱”理财的主力军，纷纷推出春节期间专属的限时存款产品，起存门槛大多低至500元。例如，蒙商银行发布了三只“压岁宝”存款产品，发行期自2月15日至3月底，为1年至3年期的中长期存款，其中，3年期定期存款利率可达1.75%。鄞州银行也推出了“儿童存单”，根据不同的存期和资金门槛设置了不同的利率。其中，3年期新客资金可享受最高1.88%的利率。寿阳农商银行推出办理儿童存单和借记卡，并赠送玩具、文具等礼品的活动。除了产品营销外，拉新活动以及财商课等亲子互动也成为多家银行“压岁钱”活动的发力点。例如，招商银行活动界面显示，该行将于1月至3月在网点开展“金小葵”财商沙龙，还推出多重推荐人礼遇。精准服务儿童客群当下，银行的儿童金融服务愈发完善，家庭对于子女财商培养也越来越重视。存钱罐和银行卡，已经渐渐成为两代人对“压岁钱”的记忆载体。在复旦发展研究院助理研究员、复旦平安宏观经济研究中心主任助理石烁看来，近年来银行集中推出儿童金融服务并非偶然，而是与银行零售转型、市场竞争及长期战略布局密切相关。“布局‘压岁钱’可以提前锁定未来长期客户。银行将儿童及未成年群体视为‘未来客户池’，希望通过早期接触建立品牌黏性。一旦孩子及其家庭在某银行开户、使用服务，未来可能继续使用该行的储蓄、贷款、理财等产品，这对银行长线留客至关重要。有银行儿童金融客户规模已经上升为百万级用户，并带来了巨额管理资产。这有利于推动银行零售业务转型，加强客户生命周期竞争。”石烁表示。“以儿童为入口，也有利于银行拓展家庭整体业务。儿童账户通常需监护人参与开户，这意味着银行能同时接触到家长及其家庭整体金融需求。”石烁进一步分析道，“通过为儿童提供账户服务，银行可以进一步推广家长的理财产品、消费贷款、教育金融服务等，从而拓宽交叉销售空间。”石烁指出，当前宏观环境下，银行整体存款增长放缓，净息差收窄，吸储难度加大。为了扩充存款规模，银行不得不探索新的低成本资金来源。儿童压岁钱、零用钱等资金具有集中且可观的存量，银行通过专属账户吸引这类资金入账，并将其作为稳定、长期的资金来源，有利于应对激烈的存款争夺战，提升资金来源稳定性。展望后续，银行儿童金融服务还能如何优化？“未来，儿童金融服务将作为银行细分客群的一个重要方向得到深化。”素喜智研高级研究员苏筱芮指出，“银行推出的这类卡片，首先要关注儿童群体客户的储蓄、保险等目的，及对未来的资金用途期望，设计有针对性的产品及服务，其次则是要切入合适的场景及渠道，为儿童用户设立相应功能，此外还可以关注与理财储蓄相关的内容栏目，通过亲子活动、金融科普等丰富多彩的形式，使得儿童在与银行打交道的过程中潜移默化地提升财商。”石烁建议，从长期看，国内银行应更加重视儿童的金融行为培养和客户终身价值培育。例如，增加预算分配与管理功能，为消费行为设置身心健康评价与提示等，以符合儿童身心发展规律与社会价值导向。“家长则应把办卡当成教育的工具，不应当成教育本身。培养孩子的财商，起点不是赚钱，而是管理。”石烁表示，“家长不要只盯着利率和优惠，而是要引导孩子先想好钱怎么用，特别是要鼓励孩子自己作决定和负责任，而不是替孩子做安排。只有想清楚让孩子通过银行卡学会什么，家庭才能真正从中受益。”","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"tenantId":"TBCN","deviceId":"web-server-community-laohu8-v3","version":"4.42.0","shortVersion":"4.42.0","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2611161194","isCrawlerRequest":true}