实测银行理财收益展示：8家仅1家展示持仓年化收益率

Core Viewpoint - The article highlights the discrepancy between the displayed and actual yields of bank wealth management products, emphasizing that many investors are unaware of the actual returns they receive compared to the advertised rates, which can be as high as 5% to 7% [1][2]. Group 1: Investor Awareness and Experience - Many investors are attracted to wealth management products due to high displayed yields but later find that their actual returns are significantly lower, often without understanding the reasons for this discrepancy [1]. - A survey by 21st Century Asset Management Institute tested eight major bank apps, revealing that the displayed annualized returns are often not directly comparable to the actual returns shown in the holding pages, which are typically presented in monetary terms [2][3]. Group 2: Data Presentation in Banking Apps - The tested bank apps primarily display annualized returns over various time frames, but the actual holding returns are shown in monetary terms and non-annualized percentages, making it difficult for investors to compare [2][3]. - Only one bank, WeBank, provides a holding annualized return, allowing customers to directly compare their actual returns with the advertised rates [5]. Group 3: User Experience and Accessibility - The majority of banks display holding returns and rates, but the user experience varies significantly; some banks make it easy to find this information, while others require multiple clicks, which can lead to confusion [7][9]. - Some banks, like Industrial and Commercial Bank of China, only show returns in monetary terms without providing percentage yields, limiting investors' ability to assess their performance [12]. Group 4: Regulatory Changes and Future Implications - New regulations from the National Financial Supervision Administration aim to improve the transparency of performance data for wealth management products, emphasizing the importance of investor awareness and access to information [19][20]. - The article suggests that banks need to simplify the presentation of performance data to enhance investor understanding and trust in wealth management products [20].