聚焦百姓需求 践行金融为民 中银理财打造有温度的投教陪伴矩阵

Core Viewpoint - The asset management industry is undergoing a comprehensive transformation towards net value, presenting challenges for both investors and financial companies in understanding product characteristics and optimizing asset allocation to enhance investment experiences [1][3]. Group 1: Company Initiatives - Bank of China Wealth Management, established in July 2019, focuses on a people-centered development approach, continuously enriching its product system and optimizing investment strategies to meet diverse client needs [3]. - The company has developed a "4+1" wealth management companion matrix to provide attentive companion services to investors [3][6]. Group 2: Digital Empowerment - Digital technology has broken physical boundaries in wealth management services, enabling broader customer reach and product diversification, which are key to enhancing service quality [4]. - The "4+1" companion matrix integrates online platforms and offline teams, including four online platforms and a professional sales service team, to support a comprehensive investment and wealth management ecosystem [4][6]. Group 3: Educational Content Development - The company emphasizes transforming complex financial data into understandable content, aiming to make financial knowledge accessible and engaging for investors [7][8]. - Various educational initiatives, such as "Investment Knowledge at Your Fingertips" and "Pension Tips," have been launched to enhance public understanding of financial services and investment risks [8]. Group 4: Market Trends and Growth - The investment companion system has led to a steady increase in the acceptance of net value-based wealth management products, with a growing number of investors adopting a rational approach to risk and return [9]. - As of the third quarter of 2025, the number of investors holding wealth management products reached 139 million, a year-on-year increase of 12.70%, with the total scale of existing products amounting to 29.28 trillion yuan, up 15.26% [9].