银行理财业绩比较基准调整展示方式，投资者直呼“看不懂”

Core Viewpoint - Recent adjustments in the performance benchmark display of wealth management products by banks are a response to the new regulatory requirements aimed at enhancing transparency and protecting investor rights [2][4]. Group 1: Changes in Performance Benchmark Display - Many banks are shifting from traditional single-value or range-based performance benchmarks to market interest rate or index combination types [2][3]. - The new benchmark display methods include four main forms: single value, range value, benchmark interest rate, and index combination [3]. - For example, Everbright Wealth adjusted its product benchmarks to align with market indices, reflecting a broader trend among financial institutions [3][4]. Group 2: Regulatory Compliance and Market Response - The adjustments are primarily driven by the upcoming implementation of the "Asset Management Product Information Disclosure Management Measures," which mandates clearer and more consistent disclosures [4][5]. - The volatility in the bond market this year has prompted the need for benchmarks that can adapt to market changes, ensuring compliance with the new regulations [4][5]. Group 3: Investor Education and Understanding - The complexity of the new benchmark display methods may increase the difficulty for investors to understand the products, highlighting the need for enhanced investor education [5][6]. - Financial institutions are encouraged to simplify explanations and provide clearer case studies to help investors grasp product characteristics [5][6]. - The new regulations require that the reasons for benchmark selection and calculation methods be clearly communicated to investors [5][6].