存款产品创新趋势随想

— 01 —

背景

Background

通过技术手段平衡流动性、收益性与用户黏性，同时响应监管与市场需求的双重驱动，未来存款产品将向智能化、场景化、社交化、全球化演进。

Future deposit products will evolve toward intelligentization, scenario-based integration, socialization, and globalization, balancing liquidity, yield, and user retention through technological solutions while responding to dual drivers of regulatory compliance and market demands.

— 02 —

流动性管理智能化

Intelligent Liquidity Mgmt.

— 03 —

付息周期DIY

DIY Interest Payment Cycle

— 04 —

团体客户生态化

Dev Group Customer Ecology

一方面，发展产业链金融，在存款产品嵌入供应链（如核心企业信用背书的分级存款），服务B端到C端的全链条资金需求；另一方面，通过社群裂变，以企业客户带动员工或会员参与存款计划，通过社交裂变（如邀请返利）扩大规模。

On one hand, develop industrial chain finance by embedding supply chain mechanisms into deposit products (e.g., credit-graded deposits backed by core enterprise guarantees), serving the full-chain capital needs from B2B to B2C segments. On the other hand, leverage community-driven viral growth, enabling corporate clients to incentivize employees or members to participate in deposit programs, scaling through social incentives such as referral rebates.

— 05 —

情感&社交化升级

Emotional & Social Upgrading

— 06 —

新型存款形态

New Deposit Forms

— End —

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