Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82
mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!
随机图片

mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!

更新时间: 浏览次数: 207

400电话:123456(点击咨询)
mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!各观看免费《今日汇总》
mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!各热线观看免费2025已更新(2025已更新)








mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!各区点热线观看免费《今日发布》
Random Image mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!电话








7天观看免费人工电话为您、mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!团队在调度中心的统筹调配下,线下专业及各地区人员团队等专属,整个报修流程规范有序,后期同步跟踪查询公开透明。








所有团队均经过专业培训、持证上岗,所用产品配件均为原厂直供,








mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!各观看免费《今日汇总》2025已更新(今日/推荐)








mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!电话区域:








甘南藏族自治州(夏河县、舟曲县、玛曲县、碌曲县、迭部县、临潭县、合作市、卓尼县)








兰州市(皋兰县、城关区、红古区、榆中县、西固区、永登县、七里河区、安宁区)








宿迁市(沭阳县、宿豫区、泗洪县、泗阳县、宿城区)








本溪市(平山区、桓仁满族自治县、溪湖区、明山区、本溪满族自治县、南芬区)  湘西土家族苗族自治州(永顺县、古丈县、吉首市、保靖县、凤凰县、龙山县、泸溪县、花垣县)








吕梁市(汾阳市、兴县、交口县、中阳县、文水县、柳林县、孝义市、离石区、岚县、临县、交城县、方山县、石楼县)








铜川市(印台区、耀州区、宜君县、王益区)








阜新市(阜新蒙古族自治县、清河门区、彰武县、新邱区、细河区、太平区、海州区)








厦门市(海沧区、湖里区、同安区、集美区、思明区、翔安区)  克拉玛依市(克拉玛依区、乌尔禾区、白碱滩区、独山子区)








滁州市(凤阳县、南谯区、琅琊区、全椒县、天长市、明光市、来安县、定远县)








郑州市(中牟县、金水区、登封市、二七区、新密市、新郑市、惠济区、管城回族区、荥阳市、巩义市、中原区、上街区)








乌兰察布市(商都县、丰镇市、集宁区、兴和县、卓资县、凉城县、四子王旗、察哈尔右翼前旗、察哈尔右翼中旗、化德县、察哈尔右翼后旗)








延安市(延川县、宜川县、黄陵县、延长县、宝塔区、黄龙县、富县、洛川县、安塞区、子长市、甘泉县、吴起县、志丹县)








遵义市(桐梓县、红花岗区、仁怀市、余庆县、道真仡佬族苗族自治县、绥阳县、凤冈县、汇川区、湄潭县、习水县、正安县、务川仡佬族苗族自治县、赤水市、播州区)








滨州市(阳信县、滨城区、博兴县、无棣县、惠民县、邹平市、沾化区)








威海市(文登区、乳山市、荣成市、环翠区)








云浮市(云安区、新兴县、罗定市、郁南县、云城区)








许昌市(鄢陵县、建安区、长葛市、魏都区、禹州市、襄城县)








甘孜藏族自治州(巴塘县、德格县、白玉县、泸定县、色达县、雅江县、道孚县、理塘县、石渠县、康定市、甘孜县、稻城县、丹巴县、九龙县、新龙县、炉霍县、得荣县、乡城县)








宁波市(海曙区、宁海县、余姚市、鄞州区、象山县、镇海区、奉化区、慈溪市、北仑区、江北区)








南昌市(东湖区、西湖区、南昌县、红谷滩区、青山湖区、安义县、青云谱区、进贤县、新建区)








汉中市(汉台区、留坝县、宁强县、城固县、佛坪县、南郑区、镇巴县、洋县、西乡县、勉县、略阳县)








德宏傣族景颇族自治州(盈江县、芒市、瑞丽市、梁河县、陇川县)








自贡市(荣县、贡井区、自流井区、沿滩区、大安区、富顺县)








伊春市(乌翠区、大箐山县、金林区、南岔县、伊美区、嘉荫县、铁力市、丰林县、友好区、汤旺县)








大理白族自治州(巍山彝族回族自治县、祥云县、宾川县、大理市、鹤庆县、弥渡县、剑川县、云龙县、洱源县、漾濞彝族自治县、南涧彝族自治县、永平县)








西双版纳傣族自治州(勐腊县、勐海县、景洪市)








日喀则市(萨迦县、昂仁县、亚东县、萨嘎县、吉隆县、仲巴县、拉孜县、白朗县、岗巴县、定日县、聂拉木县、南木林县、桑珠孜区、康马县、谢通门县、江孜县、仁布县、定结县)
400电话:123456(点击咨询)
mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!各观看免费《今日汇总》《今日发布》
mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!各观看免费《今日汇总》(2025已更新)








mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!各观看免费《今日汇总》【2025已更新列表】
mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!电话








7天观看免费人工电话为您、mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!团队在调度中心的统筹调配下,线下专业及各地区人员团队等专属,整个报修流程规范有序,后期同步跟踪查询公开透明。








所有团队均经过专业培训、持证上岗,所用产品配件均为原厂直供,








mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!中心2025已更新(今日/推荐)








mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!电话区域:








杭州市(桐庐县、滨江区、拱墅区、建德市、临安区、钱塘区、淳安县、临平区、上城区、西湖区、萧山区、富阳区、余杭区)








黔西南布依族苗族自治州(晴隆县、安龙县、兴仁市、册亨县、兴义市、望谟县、普安县、贞丰县)








梧州市(苍梧县、万秀区、藤县、岑溪市、蒙山县、龙圩区、长洲区)








平顶山市(宝丰县、郏县、湛河区、石龙区、卫东区、鲁山县、新华区、汝州市、叶县、舞钢市)  金华市(兰溪市、金东区、东阳市、义乌市、武义县、磐安县、永康市、浦江县、婺城区)








大同市(阳高县、新荣区、广灵县、灵丘县、天镇县、云州区、浑源县、左云县、平城区、云冈区)








拉萨市(墨竹工卡县、达孜区、当雄县、城关区、林周县、曲水县、尼木县、堆龙德庆区)








绥化市(青冈县、安达市、庆安县、绥棱县、兰西县、北林区、海伦市、望奎县、明水县、肇东市)台州市(天台县、三门县、路桥区、仙居县、黄岩区、临海市、温岭市、玉环市、椒江区)








西宁市(大通回族土族自治县、城东区、城西区、城北区、湟源县、湟中区、城中区)  迪庆藏族自治州(德钦县、香格里拉市、维西傈僳族自治县)








常州市(武进区、天宁区、钟楼区、溧阳市、新北区、金坛区)








宣城市(泾县、宁国市、广德市、旌德县、绩溪县、宣州区、郎溪县)








娄底市(涟源市、冷水江市、新化县、娄星区、双峰县)淮北市(杜集区、相山区、濉溪县、烈山区)








邯郸市(复兴区、磁县、大名县、峰峰矿区、成安县、临漳县、邯山区、魏县、涉县、邱县、永年区、武安市、广平县、馆陶县、丛台区、肥乡区、曲周县、鸡泽县)








阿里地区(措勤县、改则县、革吉县、噶尔县、札达县、普兰县、日土县)








普洱市(江城哈尼族彝族自治县、景东彝族自治县、孟连傣族拉祜族佤族自治县、镇沅彝族哈尼族拉祜族自治县、宁洱哈尼族彝族自治县、澜沧拉祜族自治县、西盟佤族自治县、墨江哈尼族自治县、景谷傣族彝族自治县、思茅区)








钦州市(钦北区、灵山县、浦北县、钦南区)








南阳市(西峡县、内乡县、宛城区、淅川县、方城县、镇平县、南召县、卧龙区、邓州市、社旗县、唐河县、新野县、桐柏县)








益阳市(安化县、沅江市、桃江县、赫山区、南县、资阳区)








果洛藏族自治州(甘德县、久治县、玛沁县、达日县、玛多县、班玛县)








北京市(平谷区、怀柔区、延庆区、丰台区、通州区、昌平区、石景山区、密云区、门头沟区、朝阳区、顺义区、西城区、房山区、东城区、海淀区、大兴区)








无锡市(宜兴市、惠山区、江阴市、新吴区、梁溪区、滨湖区、锡山区)








朝阳市(北票市、喀喇沁左翼蒙古族自治县、双塔区、龙城区、朝阳县、建平县、凌源市)








西安市(雁塔区、未央区、高陵区、阎良区、周至县、蓝田县、灞桥区、碑林区、莲湖区、临潼区、鄠邑区、长安区、新城区)








湖州市(安吉县、南浔区、吴兴区、长兴县、德清县)








黄石市(黄石港区、铁山区、西塞山区、下陆区、大冶市、阳新县)








宜春市(万载县、铜鼓县、奉新县、上高县、靖安县、丰城市、宜丰县、高安市、袁州区、樟树市)








龙岩市(武平县、漳平市、上杭县、连城县、长汀县、永定区、新罗区)








唐山市(丰南区、古冶区、曹妃甸区、路北区、乐亭县、滦南县、路南区、迁安市、丰润区、遵化市、迁西县、开平区、玉田县、滦州市)

  来源:北京商报 

  随着多数银行长期限定期存款利率一降再降,存款特种兵“重出江湖”。他们在社交平台发布“求高息存款”的帖子,动辄跨越上千公里寻找“最优”利率。为争夺这些大额储户,客户经理们也不惜自掏腰包,现金补贴、礼品折现、路费报销,多重手段轮番上阵,同一家银行客户经理之间互相“截和”的场面也是屡见不鲜。

  存款特种兵出动

  “我在东北,想存3年期定期存款,麻烦推荐一下”“求高利率存款,有资源的客户经理私我”……在利率不断下行的当下,社交平台上,出现了不少求购高息存款的帖子,为了增厚收益,存款特种兵也开启了新的旅途,千里奔袭。

  不久前,李杨(化名)跨越1100公里,成功“捡漏”一笔高利率定期存款。从他晒出的存单来看,5年期定期存款年利率高达3%。对于这次存款经历,李杨总结,既因为利率高,也算是完成了一场说走就走的旅行。

  经李杨介绍,北京商报记者联系上了为他办理存款业务的客户经理,经了解后得知,这是一家位于广东省惠州市的村镇银行。“目前我行3年期、5年期定期存款利率都为3%,不过利率水平预计6月初应该会下调。针对外地过来存钱的储户,有米油盐、床上四件套、电器等礼品相送。”

  与以往单纯依靠朋友介绍,或者在生活中向陌生人打听高息存款渠道不同,如今越来越多储户选择主动出击,在网络上公开寻求客户经理。在诸多求存款的帖子下方,也能看到不少客户经理积极揽客的身影。

  北京商报记者以储户身份发布异地高利率存款需求后,不到一小时内,超10位银行客户经理人士前来推荐产品,这其中,地方城商行、村镇银行的占了多数,同时也不乏一些股份制银行异地网点的工作人员。

  山东一家村镇银行客户经理介绍,该行定期存款1年期利率为1.9%、2年期利率为2.2%、3年期利率则是2.4%起,3年期大额存单利率可以达到2.55%。“首次开卡需要临柜办理,后期可以线上操作”,这位客户经理说道。

  将目光拉向浙江省,湖州地区一位城商行客户经理也推荐了该行的存款产品,“我行2年期定期存款利率为2.53%”。也有位于天津地区的某城商行网点的银行人士称,“我行3年期定期存款利率为2.35%,10万元起存,想要的抓紧存,国内又开启一波降息了”。

  谈及存款特种兵重出江湖,博通分析金融行业资深分析师王蓬博指出,体现了储户对个人资产的积极管理意识,主动寻找更高收益的存款产品,但值得关注的是,同时也要考虑路费、时间成本等综合因素,甚至如银行的信用风险、资金安全风险、取款限制等也要放在考虑范围之内。

  客户经理贴钱“抢人”

  存款特种兵通过跨地区存款来追求更高收益,为了争夺这些储户,客户经理也纷纷自掏腰包。北京商报记者调查发现,不少客户经理直接承诺现金补贴,礼品折现也是常见手段。

  一位城商行客户经理直言,“以50万元资金为例,存入3年期定期存款产品,到期的利息为3.8万元,除了利息之外,还会额外补贴礼品折现费和路费,从北京来的储户补贴费用共计750元”。

  民营银行客户经理也不甘示弱,加入这场补贴大战。“存1000元,用我的推荐码,立马发100元红包”,一位客户经理称,目前该行3年期定期存款利率为2.6%。当北京商报记者与这位客户经理沟通时,也有多位该行其他客户经理“截和”,主动私聊推荐产品,并表示能提供200元的返现红包。

  多位村镇银行客户经理也透露,除了官方利率外,还会提供现金返现等补贴内容。在基层营销岗位上,客户经理补贴返现的行为并不少见,一位银行人士表示,从一线经营角度看,基层客户经理面临的存款指标逐年攀升,尤其在季末、年末等关键考核节点,完不成任务意味着绩效扣减甚至职业发展受限,这迫使他们不得不通过个人补贴吸引客户。通常,这是客户经理自发行为,银行一般不会进行干涉。

  短期来看,这种方式的确能提升业绩水平,但长期依赖补贴揽储,也推高了客户经理自身的财务压力。招联首席研究员董希淼指出,银行员工完不成任务,靠贴钱、返现等方式来买存款冲业绩属于违规行为。对于银行来说,通过这种方式买来的“客户”质量较低。除此之外,对于被“买”的客户来说,将大量身份证号码、手机号码等提供给第三方,很容易泄露个人信息。当然,银行总行给基层机构和员工下达任务要科学合理,否则就会导致员工行为异化跑偏。

  董希淼进一步指出,此类行为产生的部分原因与银行业绩考核体系和任务指标不合理有关。在过重的考核指标和压力之下,基层机构和员工行为容易出现异化。银行应平衡好业务发展和风险防范的关系,处理好短期利益和长期利益的关系,给分支机构下达的考核任务应科学合理。基层机构和员工应端正认识,采取依法合规的方式完成任务指标。

  切勿参与高息揽储等活动

  自今年4月以来,一场存款利率的下调浪潮席卷银行业。股份制银行、城农商行、村镇银行、民营银行集体行动,密集调低存款利率,其中3年期、5年期定存利率受影响显著,大中型银行2%以上存款产品已成为“限量版”。

  金融监管总局发布的数据显示,2024年四季度末,商业银行净息差为1.52%,处于历史低位。在2024年度业绩发布会上,多位银行管理层直言,净息差下行压力依旧严峻,进一步降低高成本负债迫在眉睫。

  下调中长期存款利率,能够有效减少银行的利息支出,缓解存款长期化带来的成本压力,进而稳定负债成本,增强银行的盈利能力。从宏观政策导向而言,今年中国人民银行多次提及“择机降息降准”,银行下调存款利率,与宏观政策方向契合。

  在宽松的货币政策基调下,市场普遍预期存款利率仍将持续下行。在董希淼看来,当前,存贷款利率已进入下行通道,银行净息差下滑压力仍然较大。银行应摒弃规模情结和速度情结,不追求简单的规模增长和市场份额,既要保持存款业务稳定增长,更要将负债成本控制在合理范围之内。尤其是中小银行,要加快转变经营理念,克服路径依赖,不可盲目追求存款规模扩张,而是要加强资产负债管理,压降负债成本,努力保持发展的稳健性和可持续性。

  就储户而言,董希淼提醒,“跨城存款”要注意两点:第一,“跨城存款”需要付出交通、住宿等费用以及时间成本,储户应仔细比较是否划算;第二,“跨城存款”应到银行网点柜面办理,切勿参与高息揽储、第三方“贴息”等活动。

  “从便利性来看,如果储户所在地没有所属银行网点,大额取款或提前支取可能需要找到网点柜台才可以交易,这会给储户带来不便和额外的时间成本。”王蓬博如是说道。

  北京商报记者 宋亦桐

mobilejapanese日本一|抖音没戴罩子90秒擦玻璃,轻松搞定脏污!的相关文章 认养一头牛广告被指嘲讽打工人的相关文章
老家的驿站排满了取快递的老人
孙颖莎刚赢完就去训练了
人间破破烂烂小猫缝缝补补
特朗普亲自参加美日贸易谈判
澳媒:中国不需“任意球”就能成功
杨小伟被查 曾任广电总局副局长
丁禹兮喜欢杀青后坚持在片场多待一会儿
市民自发前来为被虐死男童发声
白宫承认:中方没打来过电话
李永乐因做网红患抑郁症
何小鹏表态 小鹏汽车要抓好四件事
CDPR警告《巫师4》测试版邀请均为骗局
  • 友情链接:
  • 无忧渡反方一辩对战七人 美商务部长拒为万斯乡巴佬言论背锅 openai官宣400亿美元最新融资 张檬韩国婆婆特意赶来香港 日本女星广末凉子确认被捕 大哥卖60克金项链赚了1万8 985新传硕分享毕业后生活 用白砂糖能给自己做一只左手 武契奇:天塌下来我也要去莫斯科 部分中国商品紧急转口马来西亚 美国铝业一季度调整后EPS为2.15美元 「用户直连制造」的海尔洗衣机

    查看更多评价 ∨