五载春秋共奋进，勇立潮头再起航 --青银理财成立五周年

Core Viewpoint - Qingyin Wealth Management has successfully navigated its first five years by adhering to the principles of the Asset Management New Regulations, focusing on value creation rather than mere scale expansion, and aligning its strategies with the evolving needs of investors and the broader economy [1][2][9] Group 1: Company Development and Strategy - Qingyin Wealth Management was established as the first city commercial bank wealth management subsidiary in Northern China and the sixth nationwide, responding to market demands and the strategic transformation of its parent company, Qingdao Bank [1] - The company has transitioned from a focus on "scale expansion" to "value creation," emphasizing high-quality development and collaboration with its parent bank to enhance wealth management services [2][9] - Over five years, Qingyin Wealth Management has issued 2,820 products, raising a total of 25,283.59 billion yuan and generating 536.40 billion yuan in returns for clients [3] Group 2: Product Innovation - The product offerings have evolved from "single fixed income" to a diversified portfolio, including cash management, fixed income, "fixed income plus," and equity products, catering to the wealth upgrade needs of residents [4] - The "fixed income plus" products have been a strategic focus, achieving an average annualized return of 3.68% over a specific period, outperforming the market average by 69 basis points [4] - The company has launched the "Tianyuan series" of fixed income products aimed at retirement finance, raising over 6.9 billion yuan, with a focus on high-quality bonds and non-standard assets [4][5] Group 3: Service to the Real Economy - Qingyin Wealth Management positions itself as a strategic partner to the real economy, channeling funds into national strategic areas and supporting green finance initiatives [5][6] - The company has pioneered the issuance of carbon-neutral and ESG-themed products, aligning with national goals for sustainable development [5][6] Group 4: 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 [7] - Qingyin Wealth Management has developed a proprietary investment trading platform and a big data management system to enhance investment efficiency and risk control [7][8] - The integration of AI technology into research and decision-making processes is being advanced through the development of an intelligent investment research platform [8] Group 5: Future Outlook - The company aims to transition from being a participant in the financial industry to becoming a key institutional investor, driven by policy support, capital market participation, and product innovation [9] - Qingyin Wealth Management will continue to prioritize high-quality development while maintaining steady growth, focusing on professional capabilities and customer needs [9][10]