银行理财规模创纪录 2026年进入“真净值时代”

Core Insights - By the end of 2025, despite a slight monthly contraction in bank wealth management due to seasonal factors, the annual significant increase has pushed the industry scale to a new record [1] Industry Overview - As of January 14, data from credible industry sources indicate that 14 wealth management companies, managing over 1 trillion yuan each (including 6 state-owned banks and 8 joint-stock banks), have seen their scale grow by nearly 3 trillion yuan since the beginning of 2025 [1] - The total industry scale reached a peak of 34 trillion yuan during November 2025 [1] Market Dynamics - With the net value rectification period for the wealth management industry ending in 2025, the industry has entered a "true net value era" in 2026, where market fluctuations will directly reflect in product net values [1] - Several bank customer managers have reported that as fixed-term deposits mature, the risk appetite of ordinary customers has increased, making bank wealth management an important option for accommodating maturing deposits [1]