2025年上半年银行理财公司竞争力排名揭榜 平安理财投研能力再获认可

Core Insights - The report highlights that Ping An Wealth Management ranked fourth in the comprehensive competitiveness of bank wealth management companies for the first half of 2025, focusing on product issuance, returns, research capabilities, risk control, and sustainability [1] - The investment research capability is identified as a key factor determining product structure depth and competitiveness, with a significant dominance of fixed-income products, which account for over 97% of the total, while the proportion of mixed products is gradually increasing [1][2] - The trend towards long-term products is confirmed, with over 72.86% of products having a duration of more than one year, indicating a growing acceptance among investors for long-term allocations [1] Product Performance - As of July 2025, Ping An Wealth Management's fixed income and fixed income+ products achieved an average annualized return of 3.46%, significantly outperforming peers [2] - The company's product net loss ratio is only 0.65%, and the proportion of products with negative returns is just 0.55%, both substantially lower than the industry average [2] Risk Control and Investor Behavior - The report notes a shift in investor risk preferences, with a decline in conservative investors and a rise in aggressive investors since 2023, reflecting a desire for higher returns in a low-interest-rate environment [2] - Despite this shift, the overall risk control levels of bank wealth management companies have declined compared to the previous year, with noticeable disparities in the management of medium to high-risk products [2] Product Example - The "Qihang Enhanced Stable Income" series, a flagship product of Ping An Wealth Management, targets R2 low to medium-risk fixed-income investments, offering various terms from 30 days to over a year [3] - This product series has achieved an average annualized return of 3.76% since its inception in November 2023, with a 100% performance benchmark compliance rate for fixed-term products [3] Future Outlook - Ping An Wealth Management aims to strengthen its core investment research capabilities and enhance its market influence, positioning itself as a key player in wealth management and contributing to national high-quality development [4]