收益7303亿元！理财市场晒出年度“成绩单”

Core Insights - The report indicates that by the end of 2025, the bank wealth management market's outstanding scale reached 33.29 trillion yuan, an increase of 11.15% from the beginning of the year [1][14] - Wealth management products generated a total return of 730.3 billion yuan for investors throughout the year, with an average yield of 1.98% [1][24] - The number of investors holding wealth management products reached 143 million, reflecting a growth of 14.37% compared to the previous year [1][21] Market Scale and Investor Growth - As of the end of 2025, the wealth management market's outstanding scale was 33.29 trillion yuan, with a growth of 11.15% year-on-year [2][19] - The number of wealth management products from wealth management companies reached 33,700, with a total scale of 30.71 trillion yuan, marking a 16.72% increase [2][19] - The proportion of wealth management company products in the overall market reached 92.25% [2][19] Investor Composition - The total number of investors in wealth management products reached 143 million, with a notable increase from 9.88% in 2024 to 14.37% in 2025 [5][21] - Individual investors accounted for 98.64% of the total, while institutional investors made up 1.36% [5][21] - The report noted that 136 banks and 32 wealth management companies launched 33,400 new products, raising 76.33 trillion yuan in total funds [5][21] Product Types and Performance - Fixed-income products dominated the market, accounting for over 97% of the total market share, while mixed, equity, and commodity/financial derivative products accounted for 2.61%, 0.24%, and 0.06% respectively [6][22] - The average yield of wealth management products was 1.98%, down 67 basis points from 2.65% in 2024 [9][26] - The total return generated for investors was 730.3 billion yuan, with banks contributing 113.2 billion yuan and wealth management companies contributing 617.1 billion yuan [7][24] Asset Allocation - In 2025, the asset allocation of wealth management products was primarily in fixed-income assets, with investments in bond assets, non-standardized bond assets, and equity assets amounting to 18.52 trillion yuan, 1.82 trillion yuan, and 0.66 trillion yuan respectively [10][29] - Fixed-income assets represented 51.93% of total investment assets [10][29] Investor Risk Preferences - The majority of individual investors had a risk preference classified as level two (moderate), making up 33.54% of the total [13][32] - There was an increase in the proportion of conservative (level one) and aggressive (level five) investors compared to the beginning of the year, with increases of 0.48 and 1.30 percentage points respectively [13][32]