Core Insights - The report indicates that the bank wealth management market has a total outstanding scale of 30.67 trillion yuan as of June 2025, with 16,300 new wealth management products launched in the first half of the year, raising 36.72 trillion yuan and generating returns of 389.6 billion yuan for investors [1][2] - The average annualized return on wealth management products is reported to be 2.12% for the first half of the year, with a 14.18% increase in returns compared to the same period last year [2] - Fixed income products remain the dominant category, accounting for 97.20% of the total outstanding scale, while mixed products have seen a slight increase in their share [2] Wealth Management Market Overview - As of June 2025, the fixed income product outstanding scale is 29.81 trillion yuan, showing a slight decrease of 0.13 percentage points from the beginning of the year but an increase of 0.32 percentage points year-on-year [2] - The outstanding scale of mixed products is 0.77 trillion yuan, representing 2.51% of the total, with a year-to-date increase of 0.07 percentage points [2] Investor Behavior and Preferences - The number of investors holding wealth management products reached 136 million by June 2025, reflecting an 8.37% increase since the beginning of the year, with individual investors accounting for 98.66% of this total [4][5] - The risk preference of individual investors remains conservative, with 33.56% classified as moderate risk-takers, while the proportion of conservative and aggressive investors has increased slightly compared to the previous year [5] Personal Pension Products - Since the launch of personal pension products, six wealth management companies have introduced 35 products, with a total balance of over 15.16 billion yuan, marking a 64.7% increase since the beginning of the year [3] - The average annualized return for personal pension products exceeds 3.4%, with total returns exceeding 390 million yuan for investors [3] Distribution Channels - As of June 2025, there are 32 established wealth management companies, with 30 of them expanding their distribution channels beyond their parent banks [6] - Direct sales by wealth management companies reached 319.7 billion yuan in the first half of the year, with a slight increase in the number of cooperative distribution institutions [6]
银行理财赚了多少?上半年数据来了→
Jin Rong Shi Bao·2025-07-26 06:29