从卖产品到配资产，银行年终奖理财热度升温

Core Viewpoint - The article discusses the challenges faced by individual investors in allocating their year-end bonuses amidst rising stock and gold prices, while banks are actively launching specialized financial products to attract these funds [1] Group 1: Market Trends - Since 2026, gold prices have significantly increased, with the Shanghai Composite Index rising by 4.82% and the Hang Seng Index by 8.17% within the year [6] - The total scale of the national wealth management market reached 33.29 trillion yuan by the end of 2025, growing by over 3 trillion yuan from the beginning of the year [6] Group 2: Bank Initiatives - Major state-owned banks and various commercial banks have launched year-end bonus exclusive financial products, focusing on low-risk, flexible-term options to cater to investors' needs [2][3] - The products include short-term and medium-term options, with some banks offering annualized returns exceeding 4% for short-term investments [2][3] Group 3: Product Features - Banks are emphasizing low initial investment amounts and a variety of strategies, with many products starting at 1 yuan and offering annualized returns around 3% to 4% [3][5] - The marketing strategies have shifted from product-centric to configuration-oriented, integrating various financial tools to better meet customer needs [5] Group 4: Customer Engagement - Some banks are implementing incentive mechanisms to enhance the retention of year-end bonus funds, such as cash rewards for increasing average monthly assets [4] - The focus is on providing a one-stop management solution for year-end bonuses, combining wealth management, insurance, and investment products [5]