收益7303亿元！理财市场晒出年度“成绩单”→

Core Insights - The core viewpoint of the report indicates that the banking wealth management market in China has shown significant growth in both scale and investor participation by the end of 2025, with a total market size of 33.29 trillion yuan, reflecting an 11.15% increase from the beginning of the year [1][4]. Market Scale and Investor Growth - As of the end of 2025, the total size of the banking wealth management market reached 33.29 trillion yuan, marking an 11.15% increase from the start of the year [4]. - The number of wealth management products in existence was 33,700, with a total scale of 30.71 trillion yuan, which is a 16.72% increase from the beginning of the year, accounting for 92.25% of the entire market [4]. - The number of investors holding wealth management products reached 143 million, representing a growth rate of 14.37%, which is a significant increase compared to the 9.88% growth rate in 2024 [7]. Product Characteristics and Performance - The report indicates that 136 banks and 32 wealth management companies launched a total of 33,400 new wealth management products, raising 76.33 trillion yuan, which is an expansion compared to 2024 [7]. - Fixed-income wealth management products dominate the market, holding over 97% of the total market share, while mixed, equity, and commodity/financial derivative products account for 2.61%, 0.24%, and 0.06% respectively, showing slight increases from 2024 [7][8]. - The average yield of wealth management products in 2025 was 1.98%, a decrease of 67 basis points from 2.65% in 2024, with total returns for investors amounting to 730.3 billion yuan, a 2.87% increase from the previous year [10][13]. Investor Profile and Risk Preferences - Individual investors constitute the vast majority at 98.64%, with 141 million individual investors compared to 1.36% for institutional investors [7][8]. - The most common risk preference among individual investors is classified as level two (moderate), making up 33.54% of the total, with increases in both conservative (level one) and aggressive (level five) risk preferences noted [16].