前三季度这类产品累计为投资者创收5689亿元！你赚到了吗？

Core Insights - The report indicates a steady growth in the banking wealth management market, with a total of 4.39 million products in existence and a total scale of 32.13 trillion yuan as of the end of Q3 2025, reflecting year-on-year increases of 10.01% and 9.42% respectively [1][2] Group 1: Market Overview - As of the end of Q3 2025, there are 109 banks and 32 wealth management companies that have collectively issued 0.89 million new wealth management products, raising a total of 20.15 trillion yuan [2] - The number of investors holding wealth management products reached 139 million, marking a year-on-year growth of 12.70% [4] Group 2: Product Structure - Fixed income products dominate the market, with a total scale of 31.21 trillion yuan, accounting for 97.14% of the total wealth management product scale, which is an increase of 0.05 percentage points from the previous year [3] - Mixed products account for 2.58% of the total scale, while equity and commodity/financial derivative products have relatively small scales of 0.07 trillion yuan and 0.02 trillion yuan respectively [3] Group 3: Investment Returns - In the first three quarters of 2025, wealth management products generated a total return of 568.9 billion yuan for investors, with 179.2 billion yuan generated in Q3 alone [4] - Banks contributed 28.3 billion yuan to this return, while wealth management companies contributed 150.9 billion yuan [4] Group 4: Asset Allocation - The total investment assets of wealth management products reached 34.33 trillion yuan, reflecting a year-on-year increase of 8.53%, while total liabilities decreased by 2.89% to 2.14 trillion yuan [5] - The leverage ratio of wealth management products stands at 106.65%, a decrease of 0.84 percentage points from the previous year [5] Group 5: Support for the Real Economy - The wealth management industry has actively responded to national policy calls, supporting the real economy with approximately 21 trillion yuan through investments in bonds, non-standardized debt, and unlisted equity [6] - As of Q3 2025, 77 ESG-themed wealth management products have been issued, raising over 20 billion yuan, with a total scale of nearly 300 billion yuan [6] - The market also features over 200 specialized products related to themes such as rural revitalization and green low-carbon initiatives, with a total scale exceeding 100 billion yuan [6]