Bank interest in asset upgrading activities
It is worth noting that, in order to increase the retention of funds, state-owned and equity companies have launched asset upgrading programmes to attract users by offering credits, giving micro-credits, and throwing down gold eggs. On social platforms such as the little red book, a “sweety-sweety-sweety strategy” for major commercial banks' asset upgrading schemes is also emerging。
A beijing correspondent shared that in february this year the beijing branch of the construction bank launched a monthly win-up plan for asset upgrades, with an average monthly asset increase of 10,000-50,000 (excluding) micro-credits of 10 yuan, and an average monthly asset increase of 200,000-500,000 (excluding) micro-credits of 150 yuan, with an opportunity to receive up to 4,000 yuan based on the increase. There are also a number of internet users who have posted that banks have different levels of asset enhancement activities, which allow them to move funds between banks every month, obtain the corresponding concessions and list the tables for comparison。
From 1 january to 31 march 2026, the governor of the department of the bank of agriculture, anhui, showed that a banker with an emhum bank debit card had registered to participate in the event, and that the average aum on that date had been upgraded to the corresponding level compared to the average aum on december 2025, thereby providing an opportunity to obtain a corresponding award for the order of compliance. For example, 10,000 (excluding) - 30,000 (excluding) completed asset upgrades, with an interest of 1800 ge; 30,000 (excluding) - 50,000 (excluding) completed asset upgrades, with an interest of 2,800 ge; and 50,000 (excluding) - 100,000 (excluding) completed asset upgrades, with an interest of 3800 ge. Gin can be used to convert consumption credits, gifts to exchange entities and participation in exclusive activities。
The director-general of the bank of zimbabwe announced the launch of the “false savings” campaign in the first half of 2026, with up to $168 or 84,000 retail credits for asset upgrades for subscribers whose average assets were less than $200,000 on the previous month's average, and up to $518 or 259,000 for debit card users whose average assets were greater or equal to $200,000 on the previous month's average to perform asset upgrades。
The bank also issued an exclusive “pay” end-of-year award, and before 13 february, the average monthly assets of the bank's payroll clients had increased by $10,000 or more than in december 2025, and they could be involved in a gold-throwing campaign to win a consumption reduction。
In response to banks ' enthusiasm for end-of-year award-specific marketing and asset-upgrading activities, wang bobo explains that similar activities help banks to replenish their increased liability funds, replenish their deposit reserves and expand their assets, while at the same time boosting middle-business growth, such as finance management, insurance, etc., by increasing client activity and retention rates and reducing the cost of acquiring customers. The bank's focus is due to the fact that the end-of-year awards are centralized and more stable idle funds that match the current needs of the bank to optimize the debt structure, ease the interest-rate burden and increase the client's willingness to allocate its assets at that point in time to achieve efficient business growth。
Yang haiping, a member of the beijing association of wealth management industries, told journalists that commercial banks are now actively promoting asset upgrading programmes, closely related to the overall context of the industry's traditional marketing boom. As the key node of the bank's annual operations, the core objective during the “open-door red” period was to sprint operational indicators, and the personal asset upgrading initiative was an important initiative under this objective。
According to yang haiping, using the monthly average financial assets as a core appraisal indicator, the operation, through a series of highly targeted marketing initiatives, focuses on effective clients and high net value customer groups. The aim is to continuously expand quality customer size, enhance the overall contribution of clients and build a solid foundation for the subsequent business of regularized clients, thus guaranteeing the smooth achievement of overall business objectives。
Rational response to bank “discretion”
How should the end-of-year “players” choose for themselves in the face of all kinds of marketing initiatives by lin-ling financial products and commercial banks
In the face of the various marketing activities of banks for end-of-year awards, the key to investors ' rational decision-making lies in returning to their own needs and the nature of their products, and the following four levels of focus are recommended。
First, it would clarify its financial position and financial planning. Investors should first specify the specific purpose and the duration of the investment. For example, the part that is planned for short-term consumption or contingency reserves is suitable for the allocation of highly liquid products such as the imf, cash management, etc., and, for long-term inactive funds, fixed-term deposits, closed finance, etc., can be considered for more robust returns。
Second, an objective assessment of an individual's real risk tolerance. Prior to investment, decisions should be made in the context of their own risk preferences, and risk assessment through formal channels can help to identify the levels of risk appropriate to their own products. Typically, investors tend to be robust, and their asset allocation should be dominated by low- and medium-risk products。
Thirdly, the year-end awards are integrated into the overall wealth allocation. The end-of-year award investments should be planned in a holistic manner, taking into account the existing asset structure of an individual or household, the debt situation and other financial management objectives, so as to avoid excessive concentration on a particular type of asset or product in order to preserve the health and balance of wealth structures。
Finally, independent judgement is maintained and marketing promotion is viewed with caution. Faced with a variety of outreach messages, investors need to be rationally identified, with a clear understanding of indicators such as “performance comparison benchmarks” as reference rather than as a promise of return, and real returns will fluctuate with markets. It is important that product clauses be carefully read, focusing on interest start-up times, investment cycles, buy-back rules and cost statements to ensure that the product's liquidity arrangements are compatible with its own funds utilization plans。
Wang pombo reminds us that the end-of-year award requires clarity about the timing and risk tolerance of the funds: short-term money needs to be prioritized for liquid short-term fixed revenue management, avoiding long-term lock-down fixed-term products; short-term and long-term inactive funds can be configured with a small amount of “solid +” products, but with a mapping of bottom assets and institutional ability to invest and not blindly pursue high returns. At the same time, it is important to select the compliance products of licensed financial institutions and to pay attention to the tariff and foreclosure rules, to integrate the end-of-year award configuration into overall financial planning, not to follow the wind to buy explosive products and to balance risk and liquidity。
