“含金量”上升！银行理财产品11月榜单揭晓

Group 1 - The core viewpoint of the article highlights the increase in the 10-year government bond yield by 4.6 basis points to 1.84%, indicating a widening yield spread, while credit bond issuance shows signs of recovery with a significant increase in issuance scale [1] - The A-share market experiences heightened investor risk aversion, with major indices showing varying degrees of decline, particularly the Shanghai Composite Index, which fell by 1.67% for the month [1] - As of the end of November 2025, the total number of bank wealth management products in the market reached 45,358, an increase of 900 from the end of October, with 2,767 new products launched during the month [1] Group 2 - Among the newly issued products, fixed-income products dominate, totaling 39,723, which is an increase of 829 from the previous month [1] - Bank wealth management subsidiaries accounted for 29,850 products at the end of the month, representing 71.52% of the total, with a 3.64 percentage point increase compared to the end of October [1] - The new products launched by bank wealth management subsidiaries accounted for 76.87% of the total issuance in the market [1] Group 3 - The overall risk level of the products listed in November continues to converge towards a medium-low level, with 97.14% of the products falling into the second (medium-low) and third (medium) risk categories [12] - A total of 34 institutions were listed in November, an increase of 6 from the previous month, with city commercial banks accounting for 9 of these institutions [16] - The five institutions with the highest number of listed products include Xinyin Wealth Management, Industrial Bank Wealth Management, Xingyin Wealth Management, Zhaoyin Wealth Management, and Jianxin Wealth Management, collectively accounting for 37.14% of the total [16] Group 4 - The products listed in November exhibited a notable characteristic of diversification, with over 40% of the listed products including gold ETFs in their investment portfolios [19] - The asset combinations of the listed products displayed a multi-regional and multi-type diversification feature, with significant allocations to high liquidity assets such as government bond ETFs and bond funds to mitigate risks [19] - Certain products showed a concentrated investment in non-standard assets (trusts, interbank loans) and local government bonds, particularly from regions like Shandong and Jiangsu [19]