多家银行理财业绩比较基准应声下调

Group 1 - The People's Bank of China announced a reduction in reserve requirements and interest rates on May 7, leading to adjustments in the bank wealth management market [1] - Several institutions, including Tangshan Bank and CMB Wealth Management, have lowered their performance benchmarks for wealth management products, with some adjustments exceeding 100 basis points and lower limits below 2% [1] - Market interest rates are declining, with interbank certificate of deposit yields falling below 2% and 10-year government bond yields decreasing from 2.8% in 2024 to 2.1% in May 2025, compressing the interest spread [1] Group 2 - The traditional high-interest deposit model is becoming unsustainable in a persistently loose liquidity environment, leading to a general downward trend in wealth management product yields [2] - It is expected that over 70% of wealth management products will actively lower their performance benchmarks within the next 3 to 6 months [2] - Financial institutions are advised to innovate products and manage risks to balance returns and liquidity, with a focus on developing short-term, high-liquidity products to meet current low-interest environment demands [2]