网商银行稳利宝三季报：七成用户复购金额比第一笔高

Core Insights - The report from Wenzhi Bao, a bank wealth management platform under Ant Bank, highlights its growing user base and strong performance in a low-interest-rate environment [2][8]. User Growth and Engagement - As of the end of September, Wenzhi Bao's user base reached 4.5 million, a 67% increase from 2.69 million at the beginning of the year [2][8]. - User engagement is high, with two out of three new users making more than two investments, and over 70% of users increasing their investment amounts compared to their first investment [4][8]. Performance Metrics - Wenzhi Bao's average annualized return over the past year is 2.58%, outperforming the industry average of 2.41% [6][8]. - Users holding products for more than three months achieved a 100% positive return, indicating strong product performance [7][8]. Investment Strategy and Market Position - The platform focuses on low to medium-risk products, primarily investing in deposits and high-quality bonds, which helps maintain stable performance amid market fluctuations [7][8]. - Wenzhi Bao is increasingly favored by small and micro enterprises for managing idle funds, with flexible investment cycles ranging from 7 days to 1 year [8]. Market Context - The bank wealth management market has seen significant growth, with an increase of over 550 billion yuan in July compared to June, driven by a shift in asset allocation preferences among residents [8].