多家公司“降费揽客” 理财规模继续扩张

Core Viewpoint - Multiple wealth management companies are reducing fees to attract customers, with management fees for mainstream wealth management products dropping to a range of 0.05% to 0.15% [1][2] Group 1: Fee Reductions - Several wealth management companies have announced fee reductions for various products, with specific examples including Bank of China Wealth Management reducing its fixed management fee from 0.3% to 0.05% per year [2] - Minsheng Wealth Management has also lowered the annual fixed management fee for one of its pure fixed-income products from 0.5% to 0.05% [2] - Cash management products are becoming a focal point for banks, with Zhaoyin Wealth Management launching two cash management products and reducing management fees for four cash management plans, with some fees dropping to as low as 0.01% [3] Group 2: Market Trends - The total scale of bank wealth management products has been steadily increasing, reaching a total of 31.5 trillion yuan by the end of May 2025, up by 0.19 trillion yuan from April and 1.58 trillion yuan from the end of the previous year [1] - The structure of wealth management products is changing, with fixed-income products still dominating the market, accounting for 92.5% of the total, while cash management products have seen significant growth, increasing by 97 products to a total of 2,054 [4] Group 3: Future Outlook - Industry experts predict that the scale of bank wealth management products may exceed 33 trillion yuan by the end of the year, although volatility in the bond market could impact this growth [7] - Long-term strategies for wealth management companies may need to shift from "scale-driven" to "value-driven" approaches, focusing on optimizing asset allocation and enhancing risk management capabilities [6]