2022 is a year for the bank financial management market to carry forward the past and open up the future. This is the first year after the end of the transition period of "new asset management rules". Facing the new rules, many new changes have taken place in the bank financial management market. First, the product structure has been continuously optimized. By the end of December 2022, the scale of financial products had reached 27.7 trillion yuan, including 19.7 trillion yuan invested in bonds, stocks and other direct financing. The second is the rapid development of pension finance. By the end of January 2023, the scale of pension financial products has exceeded 100 billion yuan. Third, the transformation has achieved remarkable results. By the end of December 2022, the proportion of net worth financial products has reached 95.47%, the breakeven financial products have been cleared, and the expected income products have basically dropped. The investment of funds into the real economy plays an important role in serving the real economy and increasing the proportion of direct financing. According to the Annual Report of China's Banking Financial Market (2022) (hereinafter referred to as the "Annual Report") released by the Banking Financial Management Registration and Custody Center a few days ago, by the end of December 2022, the scale of real economic funds supported by bank financial products was about 22 trillion yuan, of which 19.7 trillion yuan was invested in bonds, stocks and other direct financing, an increase of 43.9% compared with the release of the "new asset management regulations". "In 2022, we have issued a number of opinion notices to guide market institutions to invest the funds of 'financial direct financing instruments' in key areas of the real economy," said the relevant head of the banking financial registration and custody center. From the perspective of capital flow, more than 270 billion yuan has been invested in green bonds, more than 120 billion yuan has been invested in special bonds for epidemic prevention and control, rural revitalization and poverty alleviation, and more than 3.5 trillion yuan has been provided for the development of small and medium-sized enterprises. "We strengthened our support for key areas, invested more than 480 billion yuan in green assets, and the balance of investment in the manufacturing industry remained 100 billion yuan." According to the relevant person in charge of ICBC's financial management, the company organized characteristic businesses, and accurately served the construction of advanced manufacturing and major projects through on-site stock pledge and equity investment. In order to cooperate with the work of "ensuring supply and stabilizing the chain", ICBC Wealth Management also increased its financial support for energy, agricultural products, logistics and other industry entities. In order to better serve the "double carbon" goal and boost rural revitalization, the bank financial market also issued a number of theme products. In 2022, the bank wealth management market will issue 110 ESG (environment, society and governance) theme products, raising more than 70 billion yuan in total; A total of 131 socially responsible financial products, such as rural revitalization, public welfare and charity, were issued, raising about 50 billion yuan. By the end of December 2022, the existing scale of ESG theme products had reached 130.4 billion yuan, an increase of 35.55% over the beginning of the year. Many new changes have taken place in the bank financing market itself. From the perspective of product types, the proportion of fixed income products is the highest and has increased. According to the Annual Report, by the end of December 2022, the scale of fixed income products was 26.13 trillion yuan, accounting for 94.50% of the total scale of financial products, an increase of 2.16 percentage points over the same period in 2021; The existing scale of mixed products is 1
Edit：Hou Wenzhe Responsible editor：WeiZe
Source：economic dairy
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