股债“跷跷板”效应又起 哪些产品表现亮眼？银行理财产品8月榜单揭晓

Group 1 - In August, the A-share market was active, with the Shanghai Composite Index reaching a nearly 10-year high. The bond market faced pressure, with the 10-year government bond yield rising by 13 basis points to 1.84% [1] - As of the end of August 2025, there were a total of 43,427 bank wealth management products in the market, an increase of 798 from July. Among these, bank wealth management subsidiaries accounted for 29,850 products, representing 68.74% of the total, up by 3.17 percentage points from July [1] Group 2 - The August ranking of bank wealth management products was compiled by the Golden Bull Asset Management Research Center, co-established by China Securities Journal and Shenzhen Data Economy Research Institute [2] - The ranking includes various categories of wealth management products, highlighting those that performed well in long-term evaluations [2] Group 3 - The overall risk level of the products on the list has slightly increased, with 50.47% of the products rated at level three (medium risk) or higher, and 6.67% rated at level four (medium-high risk) [14] - The structure of the listed products shows a notable phenomenon of "same category, different levels" in "fixed income+" and mixed products, indicating a more dispersed risk level distribution among the listed products [15] Group 4 - The retention rate of the products on the list was 37.14%, with 39 products from 22 institutions continuously appearing on the list, indicating a significant increase compared to July [11] - The competition in the market is intense, as evidenced by the relatively low retention rate of "fixed income+" products [11] Group 5 - The ranking utilized publicly available data from the bank wealth management market from January 1, 2024, to August 31, 2025, covering a total of 20 months [13] - The evaluation was based on multiple dimensions, including annualized weighted returns, return volatility, downside risk, and purchase costs, employing the Z-Score model for comprehensive assessment [13]