守正创新 行稳致远：中邮理财六周年高质量发展时代答卷

Core Insights - The banking wealth management industry has entered a new phase of net value transformation and structural reshaping since the implementation of asset management regulations in 2018, with a total market scale of 32.13 trillion yuan by the end of Q3 2025 [1] - China Post Wealth Management celebrates its sixth anniversary, achieving a product scale of 1.2524 trillion yuan, an increase of 229.8 billion yuan since the beginning of the year, with a compound annual growth rate exceeding 8% [2] - The company maintains a net value rate of 98.9% and has generated approximately 150 billion yuan in returns for over 20 million customers [2] Group 1: Company Performance - As of Q3 2025, the company has invested 26.1 billion yuan in technology-related bonds, a 25% increase from the previous year, and 61 billion yuan in equity assets in the technology sector [3] - The company has actively participated in cornerstone investments in Hong Kong and major project investments, becoming a key institutional investor in the Hong Kong market [3] - The scale of green/ESG-themed products reached approximately 23.7 billion yuan, a 216% increase from the previous year [3] Group 2: Risk Management and Customer Focus - The company has maintained a "zero bad debt" asset quality, with over 99% of products achieving positive returns, and leads the industry in average yield and volatility [4] - The company emphasizes a customer-centric value philosophy, ensuring steady returns for clients and actively participating in industry self-regulation and legislative research [4] Group 3: Strategic Collaboration and Growth - The company has established a collaborative system with the postal group, significantly increasing retail customer numbers from 4.6 million to 15.7 million, with an annual compound growth rate of 23% [5] - The company has actively bid for bonds underwritten by the parent bank, achieving a total of 76.1 billion yuan in bond underwriting [5] Group 4: Innovation and Digital Transformation - The company has invested approximately 500 million yuan in technology, launching 35 systems with zero operational accidents, significantly enhancing technological responsiveness [11] - The company has developed over 45 investment strategies, including ETFs and derivatives, and has been a pioneer in launching innovative financial products [7] Group 5: Governance and Talent Development - The company has optimized its governance structure, enhancing decision-making processes and establishing a professional board of directors [12] - The company has built a competitive talent mechanism, focusing on professional development and employee welfare, leading to a significant improvement in employee satisfaction [13]