服务实体经济新实践，浦银理财“日鑫悦益”产品体系焕新

Core Viewpoint - The asset management industry is transitioning from "scale expansion" to "quality improvement," with a focus on integrating into the Shanghai International Financial Center's development [1][3]. Group 1: Product System Upgrade - The "Rixin Yueyi" product system has been upgraded from version 1.0 to 2.0, reflecting a significant enhancement in product offerings and market responsiveness [4][5]. - The upgrade is a response to the evolving market environment characterized by low interest rates and diversified investor demands, emphasizing liquidity, yield, and safety [5][9]. - The new product system aims to create sustainable wealth growth for investors through optimized asset allocation and diverse investment strategies [5][9]. Group 2: Product Structure and Features - The upgraded product system is structured around a "4+3" framework, consisting of four main series and three distinctive dimensions, enhancing the service scope and depth [8][10]. - The four main series include: - "Ri" series for active cash management, with improved features for seamless integration into consumption scenarios [9]. - "Xin" series focusing on stable asset allocation, with a current scale of approximately 900 billion [9]. - "Yue" series emphasizing value exploration through high-quality non-standard assets [9]. - "Yi" series promoting diversified asset allocation strategies, including technology growth and cyclical rotation [9]. - The three distinctive dimensions include: - "+Theme" aligning with national strategies for economic transformation [10]. - "+Client Group" offering customized products for various demographics [10]. - "+Region" focusing on local characteristics to support regional development [10]. Group 3: Technological Integration - The launch of the technology financial theme product integrates the bank's technological resources, utilizing the "Five Forces Model" for asset selection [12][13]. - This product aims to provide investors with access to the growth of the technology sector while supporting the national strategy for technological finance [13]. - The bank's commitment to financial innovation and alignment with real economic needs is expected to contribute to high-quality economic development [13].