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 Viewpoint - The article highlights the significant growth and transformation of the banking wealth management industry since the implementation of new asset management regulations in 2018, emphasizing the role of China Post Wealth Management as a key player in serving the real economy and safeguarding residents' wealth [1]. Group 1: Company Growth and Performance - As of the end of Q3 2025, China Post Wealth Management's product scale reached 1.2524 trillion yuan, with a year-to-date increase of 229.8 billion yuan, marking the highest growth rate among state-owned banks [1]. - The average annual compound growth rate since its establishment has exceeded 8%, surpassing the industry average, with a net value rate of 98.9% [1]. - The company has generated approximately 150 billion yuan in returns for over 20 million customers [1]. Group 2: Strategic Focus and Mission - The company adheres to the mission of "serving the national strategy, supporting the real economy, and protecting people's wealth," maintaining a commitment to political and people-oriented financial work [2][4]. - It actively participates in key national projects and investments, including 261 billion yuan in technology innovation bonds and 610% growth in equity assets in the technology sector [5]. Group 3: Risk Management and Compliance - The company emphasizes a "zero bad debt" policy, with over 99% of products achieving positive returns, showcasing industry-leading performance in average yield and volatility [6]. - It has implemented a comprehensive risk management framework, achieving a 71.4% reduction in risk events and maintaining a strong compliance structure [14]. Group 4: Innovation and Digital Transformation - The company has invested approximately 500 million yuan in technology, launching 35 systems to enhance operational efficiency and customer engagement [15]. - It has developed over 45 investment strategies, including innovative products in ETFs and derivatives, significantly improving its market competitiveness [11]. Group 5: Customer Engagement and Channel Development - The company has conducted over 1,500 channel training events, reaching more than 500,000 participants, and has established a comprehensive marketing system to enhance customer engagement [13]. - The retail customer base has grown significantly, with the number of retail customers increasing from 4.6 million to 15.7 million, achieving a compound annual growth rate of 23% [7]. Group 6: Future Outlook and Strategic Direction - Looking ahead, the company aims to align with the high-quality development of the Chinese economy, focusing on comprehensive, digital, and refined strategies to enhance its capabilities [18]. - It plans to continue its commitment to innovation, collaboration, and technology-driven growth, striving to become a leading asset management company in the banking sector [18].