理财产品基准利率密集“跳水”，固收理财成为重点下调对象

Core Viewpoint - Recent adjustments in deposit interest rates by major banks have led to a decrease in the performance benchmarks of wealth management products, with some products offering returns below 1%, which is lower than the current deposit interest rates [1] Group 1 - Major banks, including state-owned banks and joint-stock banks, have initiated a new round of deposit rate cuts [1] - Wealth management companies such as China Merchants Bank Wealth Management and Xinyin Wealth Management have also followed suit in lowering their performance benchmarks [1] - Some wealth management products with a maturity of three months have performance benchmarks dropping below 1% [1]