At present, the banking outlets in urban areas are plagued by the hollowing out of cities and the diversification of financial needs. The advantages of capital flow and customer flow, which were originally located in the city center, are being weakened by the trend of urban development centers moving out and the impact of internet finance, and the location advantage is being transformed into a development disadvantage, which is particularly obvious in the development of personal deposits. How to solve the problem of personal deposit growth in city bank outlets? Starting from the "three hot spots", the author puts forward three effective ways to promote the growth of personal deposits in city bank outlets.

First, focus on the hot spot of "silver hair economy" and increase the scale of pension deposits. With China's gradual move towards the elderly society, the population base of retired elderly people is getting larger and larger, which provides an opportunity for banks to expand financial services for the elderly. In view of the characteristics of the elderly's pursuit of security and preservation of value, city bank outlets can cooperate with urban communities to hold various forms of exclusive activities of financial services for the elderly, actively promote the marketing of financial products such as large deposits and structured deposits, enhance their exclusive service capabilities for the elderly, and further expand their customer base, thus effectively promoting the steady growth of personal deposits of elderly customers.

Two, around the "real estate economy" hot spot, expand the scale of personal deposits. In view of the fact that it is difficult to sell a new house in urban areas, urban bank outlets should carry out all-round and multi-level new house subscription deposit marketing activities. On the one hand, they should work closely with major real estate developers to target buyers for targeted marketing; on the other hand, they should promote marketing through WeChat circle of friends to improve the service efficiency of deposit-opening, capture buyers at the first time, lock in the deposit for new houses at the first time, and correspondingly carry out one-stop services such as housing mortgage loans, thus forming the scale effect of personal housing deposits.

Three, around the "study abroad economy" hot spot, expand the scale of personal foreign exchange deposits. In view of the characteristics of the study abroad fever in our city, city bank outlets should actively expand study abroad intermediaries, carry out mutually beneficial cooperation with them, seize the golden season of study abroad every year, carry out activities such as study abroad salons and study abroad financial promotion conferences in various ways, launch a package of study abroad financial products and services such as overseas account opening, settlement and sale of foreign exchange, Western Union remittance, traveler's checks and deposit deposits, build a one-stop study abroad financial brand, form the characteristics of study abroad financial services, continuously improve the scale and quality of study abroad customers, and promote personal foreign exchange.