理财营销乱象频出：首页展示“高收益率” 点击进去“收益衰减 ”

Core Viewpoint - The banking wealth management market has surpassed 30 trillion yuan in scale in the first half of this year, but some institutions are engaging in misleading marketing practices that could harm investor rights and lead to a short-term funding tendency in the market [1][5]. Group 1: Misleading Marketing Practices - Some institutions display high returns on their wealth management products on the homepage, but the actual returns are significantly lower when investors delve into the product details [2][3]. - There is a lack of uniform standards for displaying performance metrics, leading to discrepancies between homepage listings and detailed product information [4][6]. - Instances of "high yield" displays on the homepage followed by lower actual returns have been reported, causing confusion and distrust among investors [5][6]. Group 2: Regulatory Concerns - The China Banking Association has issued guidelines for the display of past performance, but many institutions still do not comply fully, leading to potential violations of asset management regulations [4][8]. - Regulatory bodies have imposed significant fines on institutions for non-compliance with investment management standards, indicating ongoing issues within the industry [7]. Group 3: Recommendations for Improvement - Experts suggest that there should be a continuous refinement of disclosure rules regarding key performance information to curb unreasonable marketing behaviors and better protect investor interests [8]. - There is a call for banks and wealth management companies to enhance their research and investment capabilities to provide differentiated products and services that meet diverse investor needs [8].