Unbalanced Wealth Management Portfolio: High Returns Mask Concerns Over Excess Non-Standard Asset Allocation

NightAirdropper · 2026-03-18T01:59:03+00:00

Recently, multiple wealth management companies released their 2025 annual reports, showing that many products invest a large proportion in non-standardized debt assets, with the main financing clients being municipal investment companies and internet lending companies. Some products have non-standard assets accounting for 40%-50%, which exceeds the regulatory limit of 35%, concealing hidden risks.

NightAirdropper

2026-03-18 01:59:03

Abstract generation in progress

Recently, several wealth management companies announced their 2025 annual reports. Journalists found that many wealth management products invest heavily in non-standardized debt assets. Urban investment companies and internet loan companies are the main financing clients. Some products have a balance of non-standardized assets accounting for 40%-50% of total assets at the end of the period. However, the “Measures for the Administration of Commercial Bank Wealth Management Subsidiaries,” issued on December 2, 2018, stipulate that the balance of non-standard debt assets invested by bank wealth management subsidiaries in all wealth management products must not exceed 35% of the net assets of the wealth management products at any time. Some products have exceeded regulatory limits, hiding multiple risks. (China Securities Journal)

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