工银理财高向阳：银行理财业正迈向“净值化3.0”时代

Group 1 - The core viewpoint of the article emphasizes the successful transformation of the banking wealth management industry during the 14th Five-Year Plan period, achieving company-oriented, net value-oriented, and market-oriented transitions [1] - The banking wealth management industry is entering the "Net Value 3.0" era, driven by continuous progress in classification, unified regulation, and a focus on standardized development [1] - The foundation for high-quality development in the wealth management industry is supported by China's stable economic fundamentals, advantages, resilience, and potential [1] Group 2 - The company aims to solidify and pass down effective practices, creating a clear, stable, attributable, and replicable management system [2] - A factory-like, industrialized management system is being constructed, tailored to the risk-return characteristics of wealth management clients, summarized as "3122" [2] - This "3122" framework includes a three-tier investment decision-making mechanism, a reference portfolio guide, two major business process controls, and two management tools for empowerment, focusing on professional division of labor, process control, and standardized output [2]