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2013年2月5日,上海银监局发布《上海地区银行个人理财业务总体稳健》的报告,指出理财产品余额为5760.72亿元,占全国总量的14%。由此可以推算出全国个人理财规模的余额约为4.1万亿元,这与银监会公布的7.1万亿余额之差达3万亿元之多。官方解释是银监会统计数据是全口径的,上海银监局统计数据专指个人理财产品,差别在对公和私人银行产品存量余额的统计。
On February 5, 2013, CBRC Shanghai Banking Bureau released the report, “Overall Personal Banking in Shanghai Area is Healthy.” The balance of wealth management products was 5760.72 billion yuan, accounting for 14% of the national total. From this we can deduce that the balance of the national personal financial management scale is about 4.1 trillion yuan, which is as much as 3 trillion yuan from the 7.1 trillion balance promulgated by the CBRC. The official explanation is that the CBRC statistics are full-size. The statistics of Shanghai Banking Regulatory Bureau refer specifically to personal wealth management products, with the difference being in the statistics of the balance of the stock of public and private banking products.