🇨🇳 🇨🇳 China’s Banks Are Outdated: Banks have been lowering performance benchmarks for new wealth management products. In March, big state-owned institutions were on average guiding 2.9% for their offerings, down from 3.3% at the onset of 2023. One could earn a bit more from riskier and less-capitalized city commercial lenders, but the expected returns there were not much better at an average of 3.28%. As of 2023, banks managed 26.8 trillion yuan ($3.7 trillion) of wealth management products
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