中银理财董事长黄党贵：理财行业高质量发展迎来新机遇

Core Insights - The low interest rate environment presents new opportunities for the wealth management industry to develop high-quality products and services [3] - There is an increasing demand for asset management from both residents and enterprises, leading to a broader client base and diversified risk preferences and return goals [3] - The traditional reliance on bond and cash assets, which account for approximately 80% of the investment in wealth management products, is facing challenges due to declining yields [3][4] Group 1 - The performance benchmark for newly issued fixed-income wealth management products has decreased from over 4% at the end of 2021 to around 2.4% as of the end of September this year, indicating a need for enhanced diversification in investment strategies [3] - The impact of asset price volatility on product net values will become more pronounced in a low interest rate environment, necessitating preparedness for potential interest rate rebounds [4] Group 2 - Future investment and innovation strategies for wealth management companies should focus on integrating technology in finance and collaborating with pension finance [4] - Expanding cross-border investments is seen as a crucial strategy for enhancing returns on wealth management products in a low interest rate environment [4]