低利率时代，如何解锁财富管理新方式？解码投资新逻辑

Core Viewpoint - The capital market is undergoing significant reforms since 2025, shifting from a "savings-led" to an "asset allocation" approach, driven by low interest rates and increasing demand for wealth management [2] Group 1: Financial Industry Trends - The 14th Annual Financial Industry Evaluation, themed "Innovative Services Benefit the Public, Financial Empowerment Starts Anew," has been launched to highlight inclusive financial innovations in 2025 [2] - The evaluation focuses on five dimensions: product innovation, service model upgrades, digital technology empowerment, precise support for the real economy, and value ecosystem protection [3][4] Group 2: Evaluation Framework - The evaluation framework emphasizes the design and implementation of inclusive financial products, assessing whether institutions lower investment thresholds and optimize product structures to meet diverse investor needs [3] - It also evaluates the effectiveness of institutions transitioning from "sell-side sales" to "buy-side advisory," including the establishment of professional asset allocation research systems and personalized service offerings [3] Group 3: Innovation in Financial Products - The selected cases showcase a trend towards "low thresholds, high adaptability, and favorable rates," with leading ETFs reducing management fees to attract investors and promote industry-wide fee reforms [6] - Institutions are increasingly adopting a "full-cycle companion" service model, enhancing service professionalism and customer loyalty through tailored offerings and intelligent tools [6] Group 4: Empowering the Real Economy - Innovative financial tools like asset-backed securities (ABS) are being used to help specialized small and medium enterprises convert technology patents into financing capital [7] - Selected cases reflect a dual focus on technological advancement and social value, integrating financial products with social welfare initiatives [7] Group 5: Upcoming Event - The awards for the "New Wealth New Investment Pioneer Cases" will be announced at a themed event on December 23, 2025, in Guangzhou, showcasing the achievements of various institutions in exploring inclusive financial pathways [8] - The event aims to gather industry insights and promote a consensus on the future direction of the financial sector, emphasizing the importance of compliance and public trust [8]