财经聚焦|银行理财交出上半年“成绩单”：规模站上30万亿元

Core Insights - The banking wealth management market in China has shown significant growth in the first half of 2025, with a total scale reaching 30.67 trillion yuan, marking a 2.38% increase from the beginning of the year and a 7.53% year-on-year increase [1][3] Group 1: Market Performance - The average annualized yield of wealth management products in the first half of 2025 was 2.12%, generating a total return of 389.6 billion yuan for investors, which is a 14.18% increase compared to the same period last year [1][3] - The number of investors holding wealth management products reached 136 million by the end of June 2025, reflecting an 8.37% growth since the beginning of the year [3] Group 2: Product Composition - Fixed income products dominate the market, with a total scale of 29.81 trillion yuan, accounting for 97.2% of the total wealth management product scale, 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] - Open-ended wealth management products are increasingly favored, with a scale of 24.82 trillion yuan, representing 80.93% of the total, which is an increase of 0.13 percentage points from the start of the year [2] Group 3: Investor Behavior - The growth in personal pension wealth management accounts is notable, with over 1.439 million accounts opened, a 46.2% increase since the beginning of the year, and a total purchase balance of 110.36 billion yuan [1] - The decline in bank deposit rates has led investors to seek safer and more stable returns through bank wealth management products, which are perceived as lower risk [3][4]