理财投资者增千万 增量接近去年全年

Core Insights - The report indicates that the scale of the wealth management market reached 30.67 trillion yuan by the end of June 2025, marking a 4.54% increase from the beginning of the year [3][4][9] - The average annualized yield of wealth management products decreased to 2.12%, down 0.53 percentage points from the previous year, yet the number of investors increased significantly [9][10] Market Overview - As of June 2025, there were 194 banking institutions and 32 wealth management companies with active products, totaling 4.18 million products, a 3.78% increase from the start of the year [4] - Fixed income products accounted for 97.2% of the total wealth management product scale, with a total of 29.81 trillion yuan, despite a slight decrease in proportion [5][6] Product Performance - The average annualized yield for fixed income products reached 2.79%, benefiting from rising bond prices despite declining interest rates [5] - Cash management products saw a significant decline, with a 12.3% drop in scale to 6.4 trillion yuan, attributed to falling deposit rates [5][6] Investor Trends - The number of investors holding wealth management products rose to 136 million, an increase of 8.37% or 10.48 million from the beginning of the year [10] - Individual investors dominate the market, comprising 98.7% of the total, while institutional investors also saw notable growth [10] Company Performance - Wealth management companies' market share increased to 89.61%, with a total product scale of 27.48 trillion yuan, reflecting a 4.44% increase [7] - Some banks, such as Qingyin Wealth Management, reported a decrease in product scale, while others like Hengfeng Wealth Management experienced significant growth [7][8]