2025年银行理财规模和产品数量持续增长

Core Insights - The bank wealth management market in 2025 showed a continuous growth trend, with the total scale reaching 33.8 trillion yuan by the end of November 2025, driven by the demand for wealth management and market supply changes [1] - The shift in investor preferences towards "fixed income plus" products, which combine bonds with equity assets for enhanced returns, reflects a broader trend of seeking growth in a low-interest-rate environment [3][4] Market Size and Growth - By the end of 2025, the bank wealth management scale grew to 33.8 trillion yuan, indicating a significant increase in demand for wealth management solutions [1] - The number of bank wealth management products increased by approximately 6,000 in the fourth quarter of 2025, highlighting the expanding product offerings in the market [2] Product Trends - "Fixed income plus" products emerged as a key highlight in 2025, as investors shifted from purely fixed income to products that offer moderate returns through a mix of stable assets and various strategies [3] - The scale of mixed and equity bank wealth management products reached 685.57 billion yuan by December 22, 2025, representing a growth of over 40% compared to the end of 2024, although these products still accounted for less than 2% of the total market [3] Structural Changes - The 2025 wealth management market exhibited a dual trend of "steady growth in scale" and "internal structural optimization," with a clear shift towards a "fixed income dominant, equity-enhanced" structure [4] - The market is expected to continue its steady growth into 2026, with asset allocation strategies evolving towards a more balanced and diversified approach, driven by ongoing wealth management demand [4] Investment Strategies - Experts recommend that investors adopt a long-term investment perspective and consider a "core-satellite" approach to diversify their portfolios across fixed income, equity, and alternative assets [4][5] - Investors are advised to select products from top-tier institutions with strong research capabilities and stable historical performance, while also being mindful of liquidity arrangements in closed-end products [5]