China Central Television, Beijing, February 28 (Reporter Tang Jing) According to a report by the Voice of Economy of China Central Radio and Television Station, “World Finance and Economics”, a few days ago, the Banking Industry Wealth Management Registration and Custody Center released the “China Banking Industry Wealth Management Market Annual Report (2021). )” shows that by the end of 2021, the scale of my country’s bank wealth management market has reached 29 trillion yuan, a year-on-year increase of 12.14%; the number of investors holding wealth management products and investment income have increased significantly.
According to the “Annual Report on China’s Banking Wealth Management Market (2021)”, by the end of 2021, the scale of my country’s bank wealth management market reached 29 trillion yuan, a year-on-year increase of 12.14%; the number of investors holding wealth management products reached 81.3 million, a record All-time high. In the context of breaking the rigid payment in the asset management industry, bank wealth management has achieved relatively stable product returns. In 2021, it will generate nearly 1 trillion yuan of income for investors, and it has become an important channel for people to manage their “money bags”.
Pan Helin, Executive Dean of the Digital Economy Research Institute of Zhongnan University of Economics and Law, said that there are three main reasons for the continuous improvement of the bank’s wealth management market: “First, our country’s GDP and residents’ disposable income have grown considerably in recent years, and the Continuing, people will inevitably need more investment channels after the wealth accumulation. Second, after our country is aging, more elderly people hope to increase their income through savings and wealth management, and to spend their old age better. Third, China’s wealth management products The regulatory system has been greatly improved, giving investors greater confidence.”
While serving investors, the quality and efficiency of bank wealth management services for the real economy has also been greatly improved. By the end of 2021, bank wealth management products will support the real economy by investing about 25 trillion yuan in assets such as bonds, non-standardized claims, and unlisted equity, equivalent to 8% of the stock of social financing in the same period.
Pan Helin said that wealth management products have become an important support for my country’s real economy. “Different from the wealth management products that supported real estate projects in the past, the current wealth management product funds are more invested in some areas that are closer to the real economy, and are closer to the direction of green environmental protection, small and medium-sized enterprises and other policy support, and these investment directions will also change our country. The economic development model, optimize the industrial structure, and promote the high-quality development of my country’s economy.”
Opportunities and challenges coexist in banking wealth management. Sun Zhaodong, a financial scholar and senior banking expert, said that the growth rate of bank wealth management products in 2021 has exceeded the growth rate of commercial bank loans and deposits. From a regulatory point of view, it is necessary to control the corresponding proportion and consider structures such as financial returns. Sexual issues. “The rate of return of wealth management products will be higher than the time deposits of commercial banks, but we cannot allow ordinary financial consumers to simply pursue excessive returns while ignoring the safety and stability of funds; The qualification management of practitioners and the improvement of their professional level also need to be further improved; the education on financial investors’ awareness of financial management risks also needs to be further strengthened.”
Looking forward to the development of the banking wealth management market in 2022, Pan Helin predicts that the scale of the banking wealth management market will be further expanded in 2022, equity products will be further developed, and fixed-income wealth management products may regain the favor of investors this year.
Editor: Yang Xuanshuo
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