五载春秋共奋进，勇立潮头再起航——青银理财成立五周年发展纪实

Core Viewpoint - Qingyin Wealth Management has successfully transformed from a scale-driven model to a value-driven approach, focusing on high-quality development and aligning with the asset management regulations since its establishment five years ago [3][12]. Group 1: Company Development - Qingyin Wealth Management was established in 2020 as the first wealth management subsidiary of a city commercial bank in Northern China, following the implementation of the "Regulations on Wealth Management Subsidiaries of Commercial Banks" [1]. - The company has adhered to its founding principle of "trust and manage wealth for others," responding to market demands and supporting the strategic transformation of its parent company, Qingdao Bank [1][3]. Group 2: Business Model Transformation - The company has shifted its business model from "scale expansion" to "value creation," emphasizing high-quality development and compliance with asset management regulations [3]. - Qingyin Wealth Management has expanded its distribution channels from 3 to 104, improving product structure and increasing the proportion of products with a maturity of one year or more by over 11 percentage points since the beginning of the year [3][4]. Group 3: Product Innovation - The product offerings have evolved from "single fixed income" to "diversified allocation," creating a product matrix that includes cash management, fixed income, "fixed income +," equity, and thematic products [5]. - The "fixed income +" products have been a strategic focus, with a controlled risk exposure and a dynamic management approach to enhance returns while managing risks [5][6]. Group 4: Commitment to Investors - Over five years, Qingyin Wealth Management has issued 2,820 products, raising a total of 25,283.59 billion yuan and generating 536.40 million yuan in returns for clients [4]. - The company has successfully managed low-volatility products, with 291 products maturing at a scale of 462 billion yuan, achieving returns that meet or exceed performance benchmarks [4]. Group 5: Service to the Real Economy - Qingyin Wealth Management has positioned itself as a strategic partner for the real economy, directing funds towards national strategic areas and supporting green finance initiatives [8]. - The company has launched various themed products, including carbon neutrality and ESG, with a total issuance of 144 products and a fundraising scale exceeding 18.3 billion yuan [8]. Group 6: Technological Empowerment - The company has implemented a three-step strategy for digital transformation, focusing on online investment trading, data-driven operations, and intelligent management decision-making [9]. - Qingyin Wealth Management has developed a proprietary investment trading platform and a big data platform to enhance investment management efficiency and risk control [9][10]. Group 7: Future Outlook - The company aims to transition from a "scale-first" approach to a focus on "high-quality development" during the 14th Five-Year Plan period, becoming a key institutional investor in the asset management industry [12][13]. - Qingyin Wealth Management will continue to innovate products and upgrade services while maintaining a balance between quality and steady growth, reinforcing its operational foundation and risk resilience [12][13].