业内人士指出，节日主题专属理财产品逐渐降温，与理财产品的净值化转型进程逐步成熟、客户选择趋 于理性有所关联。在此前市场环境影响下，银行理财曾遭遇了几轮净值回撤，投资者更加关注收益稳 健、中低风险的理财产品，因此存续期表现稳定的产品更受投资者和理财公司推荐。 短期理财是营销重点 "双节"将至，银行与理财公司正紧抓假期理财窗口，以"14天收益连享""看准时间点，收益机会多10 天"等口号力推闲钱理财产品。 不过，与往年常常新发"国庆专属""中秋专属"理财产品的情况不同，今年理财公司主推的多为存续理财 产品，并以亮眼的历史收益表现吸引投资者目光。记者注意到，有被推介的理财产品近一个月年化收益 率达到了12.01%，有理财产品成立以来年化收益率达到了7.43%，另有多只理财产品近期年化收益率达 到了4%、5%以上。 你的假期"钱生钱"计划准备好了吗？ 往年每逢节假日，银行及理财子公司会推出一批节日专属理财产品，以相对较高的业绩比较基准吸引客 户购买。不过，相比往年，今年国庆、中秋双节专属理财产品市场显得有些"冷淡"，存续理财产品成为 理财公司营销的主力。 近期，平安理财、招银理财、浦银理财、徽银理财、杭银理财、北银理 ...

本报（chinatimes.net.cn）记者卢梦雪 北京报道 "双节"将至，银行与理财公司正紧抓假期理财窗口，以"14天收益连享""看准时间点，收益机会多10 天"等口号力推闲钱理财产品。 短期理财是营销重点 你的假期"钱生钱"计划准备好了吗？ 往年每逢节假日，银行及理财子公司会推出一批节日专属理财产品，以相对较高的业绩比较基准吸引客 户购买。不过，相比往年，今年国庆、中秋双节专属理财产品市场显得有些"冷淡"，存续理财产品成为 理财公司营销的主力。 近期，平安理财、招银理财、浦银理财、徽银理财、杭银理财、北银理财、中银理财、民生理财和交银 理财等十余家理财公司，以及广州农商行、中原银行等多家银行，纷纷加大宣传力度，推出"假日理 财"主题营销。 例如，平安理财在其公众号连续发布多篇内容，打出"布局正当时，享8天长假收益机会""资金早规划， 国庆财富'不放假'"等宣传语，推介共11款涵盖现金管理类、固收、混合及权益类的产品。这些产品多 以7天、14天、30天为持有期，部分持有期达3个月至1年，风险等级以低风险和中低风险为主，兼顾流 动性与收益需求。 这也正是今年理财公司假日理财营销偏好的具体体现。整体来看，银行 ...

日前，民生理财有限责任公司（以下简称"民生理财"）获准开业。至此，全国性股份制银行旗下的 理财子公司获批开业数量增至9家。 随着A股市场持续反弹，银行理财子公司产品净值整体"回暖"明显。3月末，"破净"的银行理财子公 司产品数量高达1680款，而截至6月19日，该数量已不足千款。 根据民生银行日前发布的公告，银保监会已批准该行全资子公司民生理财开业。 早在2020年12月9日，民生理财的筹建即已取得银保监会批准。历经长达一年半时间的筹备后，民 生理财开业在即。 民生理财也是今年以来第4家获批开业的银行理财子公司，截至目前，先后有29家银行理财子公司 获批筹建（含4家中外合资理财公司），开业数量也已增至26家。民生理财也是全国第9家获批开业的股 份行理财子公司。 由于母行实力雄厚、布局较早，包括国有大行、股份行在内的大中型银行在设立理财子公司上走在 了前列。截至目前，国有六大行理财子公司均已开业，而全部12家股份行中，已有包括民生银行在内的 9家获批开业，此外，恒丰银行、渤海银行也已获批筹建理财子公司。 易观高级分析师苏筱芮在接受《证券日报》记者采访时表示，作为未来理财市场的主力，银行理财 子公司阵营不断壮大， ...

千呼万唤之下，理财公司理财产品销售方案"靴子"终于落地。5月27日，银保监会官网显示，《理财公 司理财产品销售管理暂行办法》(以下简称《办法》)将从6月27日起施行。 北京商报记者发现，和此前发布的公开征求意见稿相比，此次《办法》将适用机构范围从"理财子"扩充 至"理财公司"，对18项禁止性规定进一步细化，明确"禁止单独或突出使用绝对数值、区间数值展示业 绩比较基准，防止变相宣传预期收益率"，为促进产品净值化转型，推进打破刚兑预期奠定了基础。 从现有运作模式来看，理财子公司通常销售本公司发行的理财产品以及代销其他银行理财子公司的理财 产品两种。 适用范围扩充 据了解，2020年12月25日-2021年1月29日，银保监会就《办法》向社会公开征求意见。北京商报记者注 意到，和公开征求意见稿有所不同的是，《办法》的适用机构范围从"理财子"扩充至"理财公司"，名称 从原来的《商业银行理财子公司理财产品销售管理暂行办法》修改为《理财公司理财产品销售管理暂行 办法》，明确理财公司包括商业银行理财子公司和银保监会批准设立的其他理财公司，从而将外方控股 的合资理财公司纳入适用机构范围。 谈及此次范围扩展的原因，银保监会有关 ...

Core Viewpoint - The financial management industry is undergoing a significant transformation towards "net value" as it adapts to regulatory guidance and customer demands, leading to a re-evaluation of risk and return dynamics in investment products [2][3][9]. Group 1: Market Transformation - The financial management market is entering a new phase of "net value" transformation, with a focus on balancing returns and risks as the era of guaranteed returns comes to an end [2][9]. - The transition to true net value has resulted in increased volatility in product net values, with a notable decline in the total scale of financial products from 27.65 trillion yuan at the end of 2022 to 25.34 trillion yuan by mid-2023 [3][5]. Group 2: Product Performance and Risk Management - The average yield of financial products has shown fluctuations, with monthly average yields recorded at 2.09%, 2.94%, and 2.65% for the years 2022, 2023, and 2024 respectively [5]. - A significant portion of financial products has experienced maximum drawdowns, with approximately 76% of products in 2022 exceeding 50 basis points, while in 2023 and 2024, over 70% of products had maximum drawdowns below 20 basis points [5][6]. Group 3: Investor Behavior and Product Supply - There is a notable mismatch between investor risk preferences and the actual risk classification of financial products, with 46.69% of investors showing a risk preference of C3 or above, while only 4.31% of products fall into the R3 category or higher [7][8]. - The industry has seen a trend towards product homogenization, driven by a focus on low-risk offerings, which has limited the diversity and potential returns of financial products [7][8]. Group 4: Future Strategies and Innovations - Financial companies are seeking to diversify their asset allocation strategies and align their performance assessments with client interests to ensure sustainable business development [9][10]. - Companies like Xingyin Wealth Management are adjusting their product offerings and performance benchmarks to better reflect market conditions and investor expectations, while also exploring new avenues for yield enhancement [9][10].

Core Viewpoint - ICBC Wealth Management has appointed Wu Qian as the new chairman, effective April 3, 2025, following approval from the National Financial Regulatory Administration. Wu has extensive experience in the financial sector, particularly within ICBC, and her leadership is expected to address the company's profitability challenges [2][4]. Group 1: Leadership Changes - Wu Qian will be the third chairman of ICBC Wealth Management, succeeding a position that has been vacant for nearly a year [4]. - The company has seen significant turnover in its leadership, with three chairmen and two presidents in its six-year history, indicating instability in its executive team [2][9]. - Wu's background includes 20 years in ICBC's financial accounting system and leadership roles in ICBC Ansheng Life Insurance, showcasing her deep ties to the "ICBC system" [2][3][8]. Group 2: Financial Performance - As of the end of 2024, ICBC Wealth Management's product management scale reached 1.96 trillion yuan, a 22% increase year-on-year, ranking second among the six major state-owned bank wealth management subsidiaries [9]. - The net profit for 2024 was 1.42 billion yuan, reflecting a 7.3% year-on-year growth, but this growth rate was the lowest among its peers, causing a drop in its ranking from third to fourth [9][10]. - The company has struggled to leverage its parent bank's strengths, leading to a decline in profitability despite an increase in management scale [9][10]. Group 3: Market Trends and Challenges - The wealth management industry is experiencing a shift towards equity and multi-asset investments, with ICBC Wealth Management's allocation to equity assets increasing significantly, although it still remains low at 3.1% of total assets [10][11]. - The company has faced challenges in adapting to a competitive environment characterized by price wars and a focus on customer-centric strategies, which Wu Qian aims to address [9][12]. - Wu's previous experiences in the insurance sector highlight her understanding of the need to balance growth and profitability, a challenge that ICBC Wealth Management currently faces [12].