At present, the interest rate for 5-year personal pension deposits can reach 4%, and the interest rate for 3-year deposits can reach 3.5%, which is much higher than the interest rate for regular fixed deposits. In addition, several banks have launched a series of promotional activities such as receiving red envelopes to encourage customers to open accounts and contribute personal pension funds. Analysts say that raising personal pension deposit interest rates is one of the means for some banks to break the dilemma of "hot account opening and cold payment" and increase customer deposit rates. Financial institutions should also launch more exclusive products that meet the needs of investors, and increase investors' willingness to invest after opening an account through appropriate consulting and investment education services.