代销网络加速扩张！31家理财公司跨行“联姻”构建代销渠道

Core Insights - The financial companies are accelerating the construction of diversified distribution networks due to saturation in their parent bank channels and the orderly exit of non-licensed banks, alongside the release of potential in county markets [2] - The expectation of continued expansion in the wealth management market in 2026 is further enhancing the enthusiasm for channel expansion among wealth management companies [2] - The trend of product customization among wealth management companies is becoming increasingly evident, with a focus on rural revitalization products and tailored marketing strategies [3] Group 1 - Recently, China Post Life announced distribution agreements with 60 banks, including Beijing Zhongguancun Bank and Meizhou Rural Commercial Bank [1] - As of January 10-16, 2026, 31 wealth management companies expanded their distribution channels to 2,422 banks, an increase of 2 from the previous week [1] - By the end of December 2025, 593 institutions were involved in cross-bank distribution of wealth management products, an increase of 31 from the beginning of the year [1] Group 2 - The growth of wealth management scale in 2026 will be driven by the continuous migration of deposits towards various asset management products, including wealth management products [2] - Wealth management companies face challenges in adapting products for small banks, including inconsistent risk control standards and weak service collaboration [2] - The trend of increasing risk appetite in newly issued distribution products is evident, with 95.76% of new fixed-income products being issued in the week of January 10-16, 2026 [3] Group 3 - The distribution network is expected to penetrate county areas more rapidly, with leading wealth management companies leveraging their brand and system advantages to capture quality distribution resources [4] - The deepening of distribution is pushing wealth management companies to shift from merely selling products to providing investment advisory services, promoting innovations such as AI-driven recommendations and transparency in net value [4]