网商银行稳利宝二季度报告：用户超400万，近7成新用户投资2笔以上

Core Insights - The report from Wenzhong Bank's wealth management platform "Wenli Bao" indicates strong user growth and retention despite a low interest rate environment, with over 4 million users by the end of June 2025 [1][5] Group 1: Performance Metrics - Wenli Bao's average annualized return for the past year is 2.76%, surpassing the banking wealth management industry average of 2.51% [2][8] - During market fluctuations in May, Wenli Bao's main products maintained a 100% positive return rate, outperforming the industry average of 97.9% [2] - Users holding investments for over three months achieved a 100% positive return [3][9] Group 2: User Engagement and Trust - The platform has seen a significant increase in user trust, with two out of three new users making more than two investments, and over 60% of users reinvesting amounts higher than their initial investment [5][8] - Wenli Bao is particularly favored by small and micro business owners, as evidenced by the case of the athletic brand "Yin Su Mao," which invested 20 million yuan in Wenli Bao for better returns compared to traditional savings [5] Group 3: Market Context - The banking wealth management market's total size reached 31.22 trillion yuan by the end of June 2025, reflecting a 5.22% increase since the beginning of the year, as more users view these products as a safe haven amid declining interest rates [5]