这已经是中信银行年内第四次调整代销产品风险评级。其中，5月初中信银行发布公告称，自5月12日起 上调158款代销资产管理产品的风险评级，单批调整创下业内数量之最。 无独有偶，今年以来由于股市上涨凶猛，已经有多家银行调整代销产品评级，多为向上调整。比如1月7 日，民生银行在官网发文称，决定自2025年1月10日起调整部分银行代销公募基金产品的风险评级。 21世纪经济报道记者叶麦穗 股市大幅波动，多家银行调整代销基金风险等级。 10月9日，中信银行在官网发文称，将自2025年10月15日起，陆续调整部分（共计17款）代销资产管理 产品的风险评级。这是年内中信银行第四次度调整代销基金产品评级，而且罕见地调降了两款产品风险 评级，其余15只上调风险评级。 除了中信银行之外，年内还有农行、建行、民生、宁波银行等多家银行相继对旗下代销公募基金产品的 风险评级进行调整。从公开信息来看，绝大部分基金的风险评级都是向上调整。业内人士认为，随着今 年股市指数上涨，波动开始加剧，银行适时调整、优化代销公募基金风险评级，有助于更真实地反映代 销基金的风险情况，核心还是满足适当性原则的要求。 公告显示，中信银行将自2025年10月15 ...

Core Viewpoint - Major commercial banks, including Citic Bank, have raised the risk ratings of their fund distribution products to better protect investors' rights, with Citic Bank's adjustment being the largest in the industry to date [1][3]. Group 1: Citic Bank's Actions - Citic Bank announced an increase in the risk ratings of 158 asset management products, effective from May 12, 2025, marking the highest number of products adjusted in a single batch [2][3]. - The risk ratings of several funds were raised, with some products moving from PR3 (medium risk) to PR4 (higher risk), and one product being upgraded from PR2 (lower risk) to PR4 [3]. - The adjustments are in response to regulatory requirements aimed at enhancing investor suitability management and protecting investor rights [2][3]. Group 2: Industry Trends - Other banks, such as China Construction Bank and Minsheng Bank, have also raised risk ratings for their fund distribution products earlier this year, indicating a broader trend in the banking industry [4][5]. - Minsheng Bank adjusted the risk rating of a specific fund to "medium risk" on January 10, 2025, while China Construction Bank made similar adjustments to 21 funds in February 2025 [4].