作者丨杨梦雪 编辑丨方海平 你知道自己购买的理财产品实际收益率，以及实际收益率与理财产品页面所展示的收益率有多少差距 吗？ 不少银行理财投资者向《21世纪经济报道》反映称，冲着页面展示的高达5%甚至7%的收益率数据买进 去，结果发现实际获得的收益并不高，但也不知道是怎么回事、具体差异有多少。 "当时看到页面展示的收益率还可以就买了，后面也没在意过。我大概能知道我的收益率到不了页面展 示的那么高，但实际到底差多少，我不会算也就没关注过了。"某投资者对记者表示。 《21世纪经济报道》曾多次报道银行理财行业中部分理财公司存在的"打榜"现象，即，通过估值魔法以 及其他方式包装出收益数据很高的新产品用于吸引客户和资金，待"使命"完成便沦为庸常的老产品，前 期被高收益数据吸引而来的投资者实际享受不到产品所展示的诱人业绩。 该现象背后，主要成因固然是银行理财产品管理层面的把戏，但是，一些渠道在客户持仓产品业绩展示 上是一本糊涂账，导致投资者很难了解到真实情况，这某种程度上也是推手之一。 银行理财是最具普惠性的财富管理工具，其绝大部分的客户都是个人投资者，产品展示功能和客户服务 尤其重要。据银行业理财登记托管中心数据，理财市 ...

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].