本期，《机警理财日报》重点关注现金管理类理财产品、纯固收类理财产品、"固收+期权"类理财产品 三大类理财产品业绩表现。 数据说明： 现金管理类理财产品统计范围为理财公司发行的公募现金类产品；纯固收类理财产品统计范围为理财公 司发行的投资周期在6-12个月（含）的公募纯固收产品，且近1年每个完整的自然月月末均为正收 益；"固收+期权"类理财产品统计范围为理财公司发行的公募"固收+期权"产品。其中纯固收类理财产品 统计区间为近1年，其他两类产品统计区间为近3个月。 榜单排名来自理财通AI全自动化实时排名，如您对数据有疑问，请在文末联系助理进一步核实。 | | | 1 1 / 2 2 / 2 | | | | | --- | --- | --- | --- | --- | --- | | | 鼎瑞行稳一年定开20 22第1期公募人民币 | 南银理财 | 3.51% | 0.27% | 12.99 | | | 理财产品 | | | | | | | | 销售机构:南京银行/金华银行 | | | | | র্ব | 阳光金添利九久盈3号 | 光大理财 | 3.29% | 0.01% | 341.00 | | | B | | ...

Core Insights - The decline in deposit interest rates below 1% and the expected return on wealth management products around 2% is prompting depositors to rethink their money management strategies [1] - Wealth management companies are increasing their marketing efforts, contributing to the growth of bank wealth management scale [1] - As of June 3, the scale of bank wealth management reached 31.24 trillion yuan, an increase of over 140 billion yuan since the end of April [1] - Industry experts believe that the reduction in deposit rates is further driving "deposit migration," making it more challenging for banks to attract deposits, while wealth management products are seeing an influx of new funds [1] - The wealth management scale is expected to surpass the historical high of 33 trillion yuan within the year [1]

Core Viewpoint - The article highlights the rapid growth and development of BlackRock China Asset Management, emphasizing its ambitious goals and strategic focus on enhancing investment management capabilities and expanding product offerings in the wealth management sector. Group 1: Company Achievements - Since its establishment, BlackRock China Asset Management has achieved a remarkable growth in assets under management, reaching 40 billion yuan, with a target to double this figure by the end of 2024 [1][3] - The company has developed eight product systems covering four risk levels, issuing a total of 288 products, with a high performance and compliance rate [1][3] - The company has a 99% compliance rate for its fixed-income closed-end products due in 2024, and its first pension product has achieved an annualized return of over 5% since its inception [3][8] Group 2: Strategic Focus - The company aims to leverage the resources of its three shareholders to deepen its market presence in China, focusing on fixed income, pension, and overseas investment areas [2][5] - The development strategy emphasizes strengthening the basic product offerings while innovating in niche areas, particularly in low-risk products and multi-asset investments [5][6] Group 3: Investment Management Capabilities - BlackRock China Asset Management is committed to enhancing its core investment management capabilities, including risk management and product design, to ensure sustainable growth [7][8] - The company integrates advanced investment strategies from its parent company, BlackRock, to improve operational efficiency and investment decision-making [4][9] Group 4: Pension Financial Services - The company is uniquely positioned in the pension financial sector, being the only joint venture with dual qualifications for pension management and personal pension products [8][9] - The pension products are designed with differentiated asset allocation strategies to cater to varying risk appetites, with a focus on long-term returns and risk control [9][10] - BlackRock China Asset Management is conducting nationwide research on pension financial needs to better understand investor requirements and enhance service offerings [10]

Core Insights - The recent expansion of personal pension financial products in China reflects a growing focus on retirement planning amid increasing aging population concerns [1][4] - The majority of these products are fixed-income, catering to low-risk preferences of investors seeking stable returns [2][3] Group 1: Product Expansion and Market Trends - The eighth batch of personal pension financial products includes two new fixed-income products with moderate risk levels [1] - Since the launch of the first batch in February 2023, 35 personal pension financial products have been successfully issued by six financial companies [1] - As of March 2023, the total investment in personal pension financial products exceeded 12.99 billion yuan [1] Group 2: Product Characteristics and Performance - Among the 35 personal pension financial products, 23 are classified as low-risk, while only 12 are medium-risk [2] - Fixed-income products dominate the market, with 29 out of 35 products falling into this category [2] - All existing personal pension financial products have shown positive net asset values, indicating profitability [2] Group 3: Regulatory and Structural Developments - The personal pension system is set to expand nationwide by December 2024, with a growing variety of investment options including government bonds and index funds [4] - As of June 2023, there are 1,028 personal pension products available, including various categories such as savings, funds, insurance, and financial products [4] Group 4: Challenges and Recommendations - The current trend shows a disparity between account openings and actual contributions, limiting the attractiveness of personal pension products [5] - Financial institutions are encouraged to develop products that align with long-term retirement needs, focusing on diverse risk profiles and investment strategies [6]

Core Viewpoint - The article highlights the proactive response of wealth management companies, particularly banks, to the growing demand for diversified investment products amid policy encouragement for long-term capital market entry [1][3]. Group 1: Policy and Market Environment - The Central Political Bureau meeting in September last year emphasized the need to eliminate barriers for social security, insurance, and wealth management funds entering the market, paving the way for long-term capital investments [3]. - A joint implementation plan was issued in January this year, allowing various funds, including public funds and bank wealth management, to participate as strategic investors in listed companies' private placements, boosting market confidence [3]. Group 2: Product Innovation and Strategy - Banks are focusing on deepening "multi-asset, multi-strategy" product innovation to expand their investment boundaries, particularly in equity assets [4]. - For instance, Everbright Wealth Management launched the "Guangying+" product series, emphasizing diverse strategies such as index, quantitative, and global investments, aiming to enhance returns while managing risks [4]. Group 3: Investment Activities and Performance - Everbright Wealth Management is optimistic about the future of China's capital market and has increased its allocation to capital market investments, including ETFs and private placements [5]. - The company successfully participated in a private placement for Shanghai Waigaoqiao Group, marking a significant case of bank wealth management funds directly engaging in such activities, with an allocation of approximately 2 million yuan [5]. Group 4: Market Challenges and Responses - The current global financial market is characterized by uncertainty, with traditional fixed-income products facing pressure due to bond market volatility [6]. - To address these challenges, wealth management companies are accelerating the development of multi-asset strategies, particularly enhancing their capabilities in equity asset allocation [6]. Group 5: Performance Metrics - The "Guangying+" series has demonstrated effective asset allocation across various categories, achieving a 100% performance benchmark for closed-end products maturing by May 2025, with annualized returns exceeding benchmarks for all products established for over a month [7]. - The product series has seen a growth of over 16 billion yuan within the year, reflecting positive market feedback on the investment strategies and product designs [7].

近期，存款利率持续下行引发银行理财市场深度变革，银行理财子公司纷纷以创新策略抢占市场先机。 一方面，通过发行长封闭期理财产品，搭配"固收+非标"策略，合理配置非标债权资产，挖掘长期收益 潜力；另一方面，积极创新分红模式，推出按月或按季分红产品，为投资者提供更灵活的收益获取方 式。 受访业内人士表示，银行理财子公司的创新举措，不仅优化了理财市场产品生态，更精准对接了投资者 在低利率环境下的资产配置需求，或将成为推动理财规模阶段性增长的重要驱动力。此外，理财子公司 的策略调整，亦是其强化服务实体经济能力的重要实践，通过长期资金的有效配置，为实体经济发展注 入动能。 记者梳理发现，农银理财、徽银理财、渤银理财等机构纷纷布局"固收+非标"领域，推出长封闭期产 品。其中，农银理财"农银安心·灵珑2025年第9期理财产品（鑫享）"聚焦高评级非标资产配置；徽银理 财"智盈添金目标盈19号理财"将非标债权类资产占比控制在50%以内；渤银理财"财收有略系列固定收 益类二年封闭式理财产品"则将非标资产配置比例锁定在49%以下，精准平衡收益与风险。 银行理财创新突围"双路径" 长封闭期设计为资金运作带来多重优势：对理财子公司而言， ...

Core Insights - The report focuses on the performance of mixed and equity financial products, highlighting their returns and risk metrics over the past year [1][2]. Group 1: Mixed Financial Products - The top ten mixed public products are concentrated among four financial companies: Hangyin Wealth Management, ICBC Wealth Management, Everbright Wealth Management, and Suwei Wealth Management [7]. - Everbright Wealth Management's "Sunshine Orange Quantitative Multi-Strategy No. 1" ranks first with a net value growth rate of 8.27% and a maximum drawdown of 2.96% [7]. - The second and third positions are held by Hangyin Wealth Management's two "Excellent Mixed" series products, which have similar return levels [7]. - The top product primarily invests in individual stocks, bonds, and ETF funds, with over 90% of assets managed through private equity plans [7]. - The product has experienced a net value increase of 4.48% in 2024, following a recovery in the A-share market after the 924 policy [7]. Group 2: Equity Financial Products - Huaxia Wealth Management and Everbright Wealth Management dominate the equity product rankings, with Huaxia's "Tiangong Index Products" taking seven of the top ten spots [14]. - The leading product in this category has surged nearly 50% over the past year, although it also faced a maximum drawdown exceeding 20% [14]. - Everbright's "Sunshine Red ESG Industry Selection" has also performed well, with a growth of over 25% in the same period [14]. - The recent expansion of equity public products has led to a total of 37 existing products, with additional products from Huaxia Wealth Management pending sale [15].

兴银理财于5月26日-6月3日发售人形机器人主题产品"睿利兴合华夏人形机器人6M持有1号A"，投资于债权类资产不低 于总资产的80%，投资于华夏基金定制机器人策略专户不超过总资产的20%。 "2025年人形机器人产业催化密集，投资机遇丰富。"兴银理财指出，该产品采用了人形机器人主题策略，通过专业的 投研团队，采用主动选股、配合模型增强等多种手段，在现有中证机器人指数基础上进行优化，力争实现超越指数的 收益表现，把握科技投资新蓝海。 强化科技赋能，发展绿色金融，招银理财再度发行ESG科技主题款理财——招睿安泰定开13号固定收益类理财计划， 产品于5月27日至5月29日认购，主要投资固定收益类资产，以高评级债券、非标资产作为底仓。同时，为践行可持续 发展理念，助力科技创新，优先选择符合ESG理念，或科技领域相关的投资标的进行投资。 招银理财披露道，科技投资方面，优先配置投资科技创新相关标的，如半导体芯片、人工智能应用、新能源电力、国 防军工、高新技术领域、专精特新等企业发行的债券或项目类资产。 上周多家理财公司推出科创主题理财新品，持续布局科技创新领域资产。 据同花顺数据梳理，5月26日—6月1日，银行理财市场共 ...

以下文章来源于每日经济新闻 ，作者每经记者 每日经济新闻 . 中国主流财经全媒体。互联网新闻信息服务许可证编号：51120190017 。 "我每年光投资理财的收益，就相当于普通人5年的工资。"资料显示，"永坤商城"上有7%~8%的年化收益、预购承诺"保本"、积分也能换购黄金等宣传口 号，吸引了大批投资人。 然而，就在近日，多名投资者爆料，永坤黄金珠宝有限公司（以下简称"永坤黄金"）旗下的"永坤商城"提现无法到账，出现大规模兑付异常：既不能兑付 黄金，也无法退款。 "永坤商城"首页 来源：网页截图 《每日经济新闻》记者（以下简称每经记者）注意到，5月23日，杭州市上城区市场监督管理局已将"永坤商城"运营方杭州永坤电子商务有限公司背后的永 坤黄金和浙江永坤控股有限公司（以下简称"永坤控股"）列入经营异常名录，原因为"通过登记的住所或者经营场所无法联系"。 据红星资本局报道，5月27日，记者从杭州上城区经侦队确认此事确已立案，具体情况还在调查中。 01 客服微信无法添加，电话关机 有人投入上千万元 "我先买了几万元，到期后也顺利到账，于是就加大投资。今年3—4月的时候，金价波动很大，收益从正7000多元到负800 ...

Core Viewpoint - Yongkun Gold, established in 2014, is facing significant payout difficulties involving over 2 billion RMB, affecting thousands of investors, raising concerns about its business model and sustainability [1] Business Model and Products - Yongkun Gold claims to cover multiple sectors including gold exploration, refining, jewelry design and sales, import-export trade, and e-commerce, utilizing both online platforms and over 30 physical stores nationwide [2] - The "Gold Custody and Repurchase" service allows investors to purchase gold without actual withdrawal, with promises of high fixed annual returns, with rates as high as 12% to 18% for investments over 3 million RMB [4] - The online platform also offers a "Pre-purchase Gold" service, claiming capital protection and profit guarantees, essentially functioning as a financial product without actual gold delivery [4] - The "Super Gold Store" and "Gold Accumulation Plan" allow investors to purchase gold from 1 gram, with a promise of price protection, but high fees apply for early redemption [4] Characteristics of the Scheme - The business model lacks sustainability as gold does not generate cash flow, relying on continuous price increases which are unrealistic given market volatility [6] - Promised annual returns far exceed normal profit margins from legitimate gold investments, indicating a reliance on new investor funds to pay returns to earlier investors, characteristic of a Ponzi scheme [6] - The absence of physical gold in investors' possession and lack of regulatory oversight facilitate potential fraud, including misappropriation of funds and fictitious inventory [6][8] Investor Vulnerability - Yongkun's false advertising created a misleading perception of trust, claiming government backing and bank custody, while actual protections were minimal [10] - Investors often lacked understanding of financial product risks, failing to question the sustainability of high returns, leading to reliance on familiar recommendations and a false sense of security [10] Preventive Measures - Investors should remain vigilant against promises of excessively high returns, prioritizing capital safety over blind pursuit of profits [13] - Conduct thorough due diligence on platforms and their compliance with regulations, rather than relying solely on marketing or physical presence [13] - Diversification of investments is crucial to mitigate risks associated with concentrating funds in a single platform or product [13] - Understanding the underlying assets, operational logic, and risk-return characteristics of products is essential to identify potential Ponzi schemes [13] Actions for Affected Investors - Affected investors should organize through social media to share information and strategies for collective action [14] - Reporting to economic crime investigation departments with evidence such as contracts and transaction records is recommended [14] - Legal avenues should be explored, including hiring lawyers to pursue claims or participate in criminal proceedings [14] - Maintaining realistic expectations regarding the outcomes of legal actions is important due to potential delays and uncertainties in recovery [14]