11月，10年期国债收益率上行4.6个基点至1.84%，期限利差进一步走阔。信用债发行回暖，发行规模显著增长。A股市场投资者避险情绪升温，主要指数 均有不同程度下跌，其中上证综合指数月度下跌1.67%。 截至2025年11月底，全市场银行理财产品总数量为45358只，较10月末增加了900只，月新发产品2767只。从产品类型来看，固收类产品最多，共有39723 只，环比增加829只。从发行机构来看，月末银行理财子公司理财产品共有29850只，环比增加1140只，占理财产品数量的71.52%，与10月末相比占比上 升了3.64个百分点；新发2127只理财产品，占全市场理财产品发行量的76.87%。 在震荡市场环境中，哪些产品于长期维度下仍能表现亮眼？请看由中国证券报与深圳数据经济研究院共建的金牛资产管理研究中心制作的银行理财产品11 月榜单。 银行理财产品11月榜单 【风险提示】 五、最短持有期"固收+"类产品榜单 | 理财登记编码 | 产品简称 | 发行机构 | 产品规 | 近3个月年 | 风险等级 | | --- | --- | --- | --- | --- | --- | | | | | 模 | 化收益 ...

银行理财产品11月榜单 【风险提示】 本榜单所有分析均基于公开信息，不构成任何投资建议；若市场环境或政策因素发生变化，将可能导致产品表现不及预期。榜单可能存在样本不足以代表 整体市场的情况。 一、定期开放6个月以内"固收+"类产品榜单 | 理财登记编码 产品简称 | | 发行机构 | 产品规 | 近3个月年 | 风险等级 | | --- | --- | --- | --- | --- | --- | | | | | 模 | 化收益率 | | | | 产品规模:3-18亿元 | | | | | | | | (银行理财子公司) | | | | | Z7002621000289 | 同盈象固收稳健半年定开14号 | 信银理财 | | | R- II | | Z7007122000262 | "净享利"系列开放式(6个 月)WPJK18M0602期 | 上银理财 | | | R-II | | Z7002023001386 号固收类 | 稳利恒盈增利六个月定期开放2 | 兴银理财 | | | R- II | | Z7001120000292 | "农银安心·双月开放"(惠农 | 农银理财 | | | R- II | | ...

Group 1 - The stock market remained active in September, with strong performance in technology growth sectors such as semiconductors, consumer electronics, and energy storage batteries [1] - The bond market faced pressure, with the 10-year government bond yield rising slightly by 2 basis points to 1.86%, and yields on various types of bonds generally increased [1] - As of the end of September 2025, the total number of bank wealth management products in the market reached 43,954, an increase of 798 from August [1] Group 2 - In September, 2,653 new wealth management products were issued, with bank wealth management subsidiaries accounting for 74.53% of the new products [1] - The proportion of wealth management products from bank subsidiaries increased by 2.42 percentage points compared to August, reaching 69.56% [1] - The overall risk level of the products on the list remained stable compared to August, with the proportion of level four (medium-high risk) products rising to 7.62%, an increase of 0.95 percentage points [12] Group 3 - The performance of short-holding "fixed income+" and mixed products improved significantly, with many products standing out in long-term evaluations [13] - The 105 wealth management products on the list came from 32 institutions, with state-owned and joint-stock bank subsidiaries maintaining a significant competitive advantage [13] - Continuous top-performing products generally allocated high-grade credit bonds, government bonds, and actively participated in the equity market to seize investment opportunities in high-growth sectors [13]

Group 1 - The bond market in April experienced a relatively loose funding environment, with the 10-year government bond yield decreasing by 19 basis points to 1.62%. High-yield credit bonds and long-term interest rate bonds were favored by institutions [1] - International investors reassessed Chinese assets, leading to a stable overall market performance, with particular attention on sectors such as dividend value and domestic demand [1] - The average scale of "fixed income+" products listed in the April rankings was approximately 12.61 billion yuan, showing an increase in the number of products holding diversified assets and public fund allocations compared to March [3][5] Group 2 - The average scale of products in the "fixed income+" category for those with a holding period of six months or more was about 2.01 billion yuan, with average yield and volatility remaining stable compared to March [5] - The risk level of the products in the pure bond fixed income category slightly increased, with an average scale remaining stable, while the proportion of bond assets decreased [7] - The average scale of mixed products in the April rankings was 3.24 billion yuan, significantly higher than in March, with an increased allocation to equity assets [9] Group 3 - The average scale of the shortest holding period "fixed income+" products increased to 27.06 billion yuan, with a decrease in average yield and volatility compared to March [11] - The average scale of the shortest holding period pure bond fixed income products rose to 61.98 billion yuan, with a stable risk level and high liquidity [13] - The average scale of the shortest holding period mixed products was approximately 30.91 billion yuan, nearly tripling from March, with a preference for ETF and index investments [15]