近34万亿元！银行理财规模再创新高

Core Viewpoint - The article highlights the significant shift of low-risk preference funds towards bank wealth management products, driven by the decline in deposit rates and the increasing attractiveness of these products, leading to a record high in the bank wealth management market, which has surpassed 33 trillion yuan [1][3]. Group 1: Market Growth and Trends - As of November, the top 14 wealth management companies have a combined scale of 25.86 trillion yuan, with a growth of approximately 340 billion yuan from October [3]. - The total net increase in scale for these companies in the first 11 months of the year is about 3.43 trillion yuan, with nearly half of this growth occurring in the fourth quarter [3][4]. - The wealth management market is expected to stabilize around 33 trillion yuan by the end of the year, with the potential for the "2 trillion yuan club" to expand from 3 to 6 members by 2024 [2][3]. Group 2: Product Performance and Shifts - "Fixed income +" products have become a significant contributor to the growth of wealth management scales, with a net increase of approximately 1.32 trillion yuan in the first 11 months [6][8]. - The mixed product category has seen a notable increase, with a balance of about 820 billion yuan as of November, growing nearly 320 billion yuan since the beginning of the year [10]. - The introduction of new IPO underwriting regulations has allowed wealth management companies to participate in new stock subscriptions, with several companies actively engaging in both A-share and Hong Kong stock market IPOs [12]. Group 3: Investment Strategies - Wealth management companies are increasingly diversifying their portfolios by allocating more to equity assets, evidenced by a significant rise in index-type products and participation in stock market IPOs [9][11]. - The number of index-type wealth management products has surged, with 98 existing products and 58 launched this year, indicating a shift towards thematic and differentiated offerings [11]. - The performance of mixed products has improved significantly, with many achieving annualized returns exceeding 20%, attracting more investments [11].