Core Insights - The integration of wealth management and charitable initiatives is gaining momentum among banks and financial companies, with a notable increase in the issuance of charity-themed financial products since December 2025 [1][3][7] Group 1: Charity-Themed Financial Products - Multiple financial institutions, including 招银理财, 广银理财, and 平安理财, have launched charity-themed financial products, with 招银理财 raising a total of 9.65 billion RMB for its recent product during the fundraising period from December 17 to 23, 2025 [3] - 招银理财's two charity-themed products have collectively raised over 1.1 billion RMB, with a commitment to donate 50% of the management fees to the Shenzhen Volunteer Service Foundation [3] - 广银理财 introduced its first "financial + public welfare" charity product, which includes a mechanism for donating excess returns to support educational initiatives in rural areas [4] Group 2: Donation Mechanisms - The charity-themed financial products primarily utilize three main donation mechanisms: fixed percentage of management fees, a portion of excess performance fees, or a certain percentage of annual returns for donations [7] - Most existing charity financial products are structured as closed-end products, which helps to stabilize the net asset value and maximize the potential for charitable donations [7] Group 3: Industry Trends and Impact - As of December 22, 2025, a total of 53 charity-themed financial products have been issued in the market, indicating a significant rise in interest and participation in this sector [7] - 信银理财 has reported that its "温暖童行" charity financial brand has raised over 26 billion RMB and donated more than 15 million RMB to benefit over 70,000 children by the end of November 2025 [6]

多家银行和理财公司在推动财富管理与公益事业深度融合、引导金融资源向善发展方面，正在持续探路。 近期慈善、公益主题理财产品发行提速。仅据券商中国记者不完全统计，自2025年12月份以来，招银理财、广 银理财、平安理财均发行慈善主题产品。同时，多家银行及理财公司举行慈善捐赠仪式。 "金融+慈善""金融+公益"的载体，在银行理财领域密集落地。 一批慈善理财密集发行 2025年12月，多家理财公司扎堆发行慈善主题理财产品。 据记者1月2日从 招银理财 了解，该司近日发行的慈善主题理财产品——招睿增利指南针（益未来）封闭5号， 在2025年12月17日—23日的募集期间募集总金额达9.65亿元。此前，招银理财发行的第一只慈善主题产品，即 招睿嘉和稳选（益未来）封闭1号理财产品，在募集期2025年4月22日—28日的募集金额是1.38亿元。也就是 说，招银理财两只慈善理财产品的募资金额已经超过了11亿元。 两只产品均为R2（中低风险），1号是封闭期16个月，5号是封闭期30个月。慈善主题产品的核心亮点在于其 嵌入的慈善机制。据招银理财承诺，5号产品将在存续期内定期，以及在产品终止后进行捐赠，捐赠金额为管 理人实际收取固定 ...