建信理财党委书记、董事长齐建功：坚守为民理财初心，以强投研、优配置赢得高质量发展未来

Core Viewpoint - The banking wealth management industry is experiencing unprecedented challenges despite reaching a historical high in asset management scale, surpassing 32 trillion yuan [1] Group 1: Industry Challenges - The primary pressure on the industry comes from two aspects: customer demand for stable product returns and the declining yields of new assets due to falling market interest rates, leading to an "asset shortage" phenomenon [1] - The transition to full net value management has resulted in unavoidable net value fluctuations for wealth management products, posing significant challenges to traditional operational strategies [1] - There is an urgent need to enhance the investment research and asset allocation capabilities of wealth management companies to align with customer expectations [1] Group 2: Opportunities in the Industry - There is a growing demand for wealth management from both residents and institutions, with a notable shift of household deposits towards wealth management products due to their relative yield advantages [2] - The trend of institutional clients transitioning from "borrowers" to "investors" presents substantial potential for wealth management [2] - The changing structure of social financing offers a rare opportunity for wealth management companies to leverage their value [2] Group 3: Strategic Focus of the Company - The company aims to enhance service levels by prioritizing customer needs, enriching product offerings, and improving customer experience [3] - A new service roadmap has been developed to segment clients into fourteen categories based on various attributes, allowing for tailored product design and investment strategies [3] - The company emphasizes a full-chain approach to customer service, ensuring that all processes reflect a "customer-first" philosophy [3] Group 4: Product Innovations - The company has launched products like "Long Qian Bao No. 1" for 24/7 real-time redemptions and "Heng Ying Self-Selected Maturity" allowing clients to choose maturity dates [4] - Innovations such as "Wealth Management Night Market" extend product application times to accommodate working professionals and younger clients [4] Group 5: Investment Research Enhancements - The company is committed to advancing integrated investment research capabilities, focusing on macroeconomic trends and market analysis to develop practical asset allocation strategies [4] - There is an emphasis on enhancing research capabilities in specific sectors and regions, with increased investment in emerging industries [4] - The establishment of an integrated investment research platform aims to improve the timeliness and effectiveness of research communication [4] Group 6: Technology Empowerment - The company is accelerating the development of a comprehensive digital empowerment system, applying AI and big data across customer service and investment management [5] - The goal is to enhance decision-making in investment research, refine product operations, and dynamically manage risks [5]