（来源：经济参考报） 进入2026年，ESG主题银行理财产品持续上新。记者根据中国理财网披露的信息梳理发现，今年以来已 有工银理财、农银理财、中银理财、信银理财及吉林银行等多家机构推出ESG主题理财产品，主要为中 低风险的固收类产品。 从收益率来看，新推出的ESG主题理财产品的业绩比较基准多在2%至3%之间。以刚刚结束募集的吉林 银行吉稳系列固收封闭理财产品2026年第6期（ESG主题）为例，该产品风险等级为二级（中低风 险），产品期限为268天，主要投资于固定收益类资产，占比不低于80%，同时，该产品践行ESG投资 理念，从环境保护、社会责任及公司治理的维度，优先投资于符合绿色金融属性的各类绿色资产，其A 至D类不同份额的业绩比较基准在2.40%至2.50%（年化，下同）之间。 农银理财也推出多款不同期限的产品，以满足投资者多元需求。如农银匠心·灵珑固收增强第99期ESG 主题理财产品（红利成长双享），产品期限为754天，业绩比较基准为2.20%至3.50%；农银匠心·灵珑固 收增强第98期ESG主题理财产品（红利优选）产品期限为382天，业绩比较基准为2.10%至3.20%；农银 匠心·灵珑2026年第1 ...

Core Insights - The issuance of ESG-themed bank wealth management products is increasing year by year, with 36 products launched this year, continuing the acceleration seen since last year [1][2] - The overall characteristics of these products include longer durations, lower risk levels, and lower subscription thresholds, indicating a conservative investment style [1][4] Industry Trends - Since 2019, a total of 124 ESG-themed bank wealth management products have been issued, with a significant concentration in 2021 and 2022, where 72 products were issued in 2021 alone [2] - Bank wealth management subsidiaries are the primary issuers of ESG products, accounting for 28 out of the 36 products issued in 2022 [2] Market Dynamics - The rise of ESG-themed bank wealth management products is closely related to the rapid development of ESG investment in China, which emphasizes environmental, social, and governance performance [3] - The "14th Five-Year Plan" and the "dual carbon" goals reinforce the importance of green transformation, further validating the value of ESG investments in the domestic market [3] Product Characteristics - ESG-themed bank wealth management products primarily invest in fixed-income assets, focusing on green bonds, green ABS, and debt assets from companies with good ESG performance [4] - Most of the 36 products issued in 2022 have durations of 1 to 3 years, catering to client liquidity needs while enhancing product performance benchmarks [4] Performance Metrics - ESG-themed bank wealth management products have shown minimal instances of breaking the net value, with performance benchmarks generally around 4% [4] - Over 70% of fixed-income ESG products have annualized returns above 4%, while over 60% of mixed ESG products have returns exceeding 5% in the last three months [4] Challenges and Opportunities - Despite the growth in issuance, ESG-themed bank wealth management products still represent a small proportion of the total bank wealth management product issuance [5] - There is a need for improved information disclosure mechanisms and product diversification, as current offerings are still in the early stages [6][5] - Future product types are expected to diversify, potentially including equity investments and non-standard bonds from low-carbon and environmentally friendly enterprises [6] Investor Education - ESG investment remains a relatively new concept for most individual investors in China, highlighting the necessity for enhanced investor education to avoid missing opportunities or making uninformed decisions [7]