“迷你”理财产品越来越多，怎么回事？

Group 1 - The core viewpoint is that the number of mini wealth management products has significantly increased, with a notable rise in the proportion of products with scales below 1 million yuan and 10 million yuan from the end of 2022 to May 2025 [1][3] - As of May 2025, 6.01% of wealth management products had scales below 1 million yuan, up from 1.51% at the end of 2022 [1] - The proportion of wealth management products with scales below 10 million yuan increased from 6.22% at the end of 2022 to 20.72% by May 2025 [1] Group 2 - The shift towards smaller-scale wealth management products is attributed to changes in the sales model of banks, where wealth management operations have been separated from asset management departments to enhance risk isolation [3] - Wealth management companies often launch products with small initial scales to build a track record of historical returns before promoting them through partner banks [3] - There is a potential risk that the returns on small-scale products may fluctuate more significantly, and if the scale increases rapidly, the yield may decrease due to the dilution of high returns [3]