净值脱虚向实 积极面对波动 银行理财估值整改“年中考”

Group 1 - The core viewpoint of the article emphasizes that after the rectification, bank wealth management products will implement "penetrating management," allowing investors to face real net value fluctuations directly [2][5] - Many bank wealth management companies are expected to complete their rectification plans by the end of June, with a focus on two main methods: "using surplus to cover losses" and closing price valuation [3][4] - The adjustment of performance comparison benchmarks by banks is aimed at aligning investor return expectations, with over a hundred bank wealth management products having adjusted their benchmarks, some by more than 150 basis points [5][6] Group 2 - The rectification will lead to a decrease in the number of low-volatility, stable wealth management products, while the proportion of mixed wealth management products may increase [6] - Future focus for bank wealth management companies will shift towards asset allocation capabilities to better cope with normalized net value fluctuations [7] - Companies are encouraged to dynamically adjust their asset holdings and strategies to enhance overall investment returns, with a focus on improving asset combination efficiency [7]