券商中国·2026-02-12 03:23Core Viewpoint - The article discusses the evolving landscape of wealth management in the Guangdong-Hong Kong-Macao Greater Bay Area, emphasizing the transition from "scale expansion" to "quality enhancement" in the industry, particularly in Shenzhen, which is a key engine for development in the region [1]. Group 1: Current Trends in Wealth Management - The phenomenon of "deposit migration" is deepening, with Shenzhen experiencing a faster pace compared to the national average. This trend is seen as an opportunity for wealth management upgrades rather than a crisis of deposit loss [2]. - The "deposit migration" is driven by a combination of low interest rates, a recovering capital market, and the expiration of excess savings, indicating a reallocation of household wealth [2][3]. - The customer base in Shenzhen is characterized by youth, high net worth, and a strong presence of technology finance, leading to diverse and rapid flows of wealth [3]. Group 2: Strategic Shifts in Wealth Management - The Postal Savings Bank of Shenzhen is transitioning from a "savings bank" to a "wealth management bank," focusing on professional capabilities, technological empowerment, and cross-border advantages to provide superior services to high net worth clients [2][3]. - The bank aims to establish deeper customer trust by shifting from merely selling products to providing asset allocation and accompanying services, which is seen as a long-term strategy to enhance competitive advantage [3]. Group 3: Product and Service Development - The bank is committed to creating "Shenzhen characteristic combinations" tailored to different customer segments, emphasizing appropriate product matching and risk management [4]. - A focus on digital technology is being implemented to enhance customer experience and operational efficiency, with the goal of building a comprehensive wealth management digital capability [6]. - The bank has established a wealth management system with differentiated services for various customer tiers, including mass affluent and high net worth clients, since 2019 [5][6]. Group 4: Future Outlook and Competitive Strategy - For 2026, the bank plans to enhance its competitive edge in wealth management by integrating financial services into key customer scenarios and providing tailored experiences for different demographics [7]. - The bank will promote a range of financial products, including investment products, insurance, and precious metals, to meet the diverse needs of its clientele [8].