Bank Wealth Management: Make Idle Funds "Come Alive"

NightAirdropper · 2026-04-11T12:35:40+00:00

As of the third quarter of 2025, the scale of bank wealth management reached 32.13 trillion yuan, becoming an important way for residents to grow their idle funds. Bank wealth management allocates assets through professional teams, offering returns better than traditional deposits. It mainly includes fixed income, hybrid, and equity products, among which fixed income products have lower risk and are suitable for the general public.

NightAirdropper

2026-04-11 12:35:40

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This article is reprinted from: Jinwen Daily

Financial Management Talk

Bank Wealth Management: Making Idle Money “Come Alive”


Author of this article: Xu Xiaoyan Wealth Advisor at Qilu Bank Tianjin Branch, with 2 years of experience in retail banking wealth management, holding a fund practitioner qualification certificate.

By the third quarter of 2025, the total outstanding scale of bank wealth management products in the market has reached 32.13 trillion yuan, becoming an important choice for residents to increase the value of idle funds. Bank wealth management products are issued by banks or their subsidiaries, with professional teams pooling funds to invest in assets such as government bonds, financial bonds, and bank deposits, with returns distributed according to shares. Unlike deposits, wealth management products do not guarantee principal and interest, but through proper allocation, higher returns can be achieved under controllable risk. In the first half of 2025, the overall returns of bank wealth management products outperformed ordinary fixed-term deposits.

In terms of product types, fixed-income products account for over 97%, with lower risk, making them the mainstream choice for the public. Hybrid products are suitable for investors who can accept slight fluctuations; equity and derivative products have larger fluctuations and are more suitable for experienced investors. According to risk levels, bank wealth management products are divided into five levels: R1 to R5. R1 (low risk) and R2 (moderate-low risk) products are highly secure and suitable for most ordinary investors.

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