华夏时报（www.chinatimes.net.cn）记者 卢梦雪 见习记者 张萌 北京报道 近期，理财产品业绩比较基准迎来密集下调。 据不完全统计，进入5月以来，已有上百只银行理财产品陆续下调了业绩比较基准，有理财产品调整后业绩比较基 准下限已跌破1%，低于同期限存款产品的利率水平。 多家银行和理财机构在调整公告中表示，此次调整受当前市场利率走势及市场环境变化等因素影响。 "从当前经济增长面临的外部冲击、提振内需的难度以及债务风险化解的现实需要看，宏观调控政策只能加码，难 以逆转。以此判断，理财产品业绩基准下调具有必然性，且下一阶段理财产品业绩比较基准继续下行的压力仍比 较大。"北京财富管理行业协会特约研究员杨海平在接受《华夏时报》记者采访时表示。 上百只理财产品下调业绩比较基准 5月以来，已有上百只理财产品业绩比较基准区间集中下调。 此前，中银理财亦连续发布公告，对23只理财产品份额业绩比较基准进行调整。其中，8只产品调整自5月6日起生 效，另有15只产品调整自5月9日起生效。这些产品均为固定收益类理财产品，大部分主要投资于债券、货币市场 工具等固定收益类资产，并适度参与以对冲为目的的金融衍生品交易，另有 ...

Group 1 - The People's Bank of China announced a reduction in reserve requirements and interest rates on May 7, leading to adjustments in the bank wealth management market [1] - Several institutions, including Tangshan Bank and CMB Wealth Management, have lowered their performance benchmarks for wealth management products, with some adjustments exceeding 100 basis points and lower limits below 2% [1] - Market interest rates are declining, with interbank certificate of deposit yields falling below 2% and 10-year government bond yields decreasing from 2.8% in 2024 to 2.1% in May 2025, compressing the interest spread [1] Group 2 - The traditional high-interest deposit model is becoming unsustainable in a persistently loose liquidity environment, leading to a general downward trend in wealth management product yields [2] - It is expected that over 70% of wealth management products will actively lower their performance benchmarks within the next 3 to 6 months [2] - Financial institutions are advised to innovate products and manage risks to balance returns and liquidity, with a focus on developing short-term, high-liquidity products to meet current low-interest environment demands [2]