在慈善工具创新方面，交通银行积极探索全球应用较广的捐赠人建议基金（DAF）模式。金旗介绍，深 圳分行今年联合罗湖区慈善会设立DAF慈善信托，主要有两方面特点：一是将单笔捐赠门槛降低，更利 于普惠推广；二是鼓励家庭共同参与，增强代际传承。 朋友圈不断扩大 作为完善多层次社会保障体系的重要工具，慈善信托凭借财产独立、制度透明、专业管理等优势，受到 市场关注。慈善金融产品也正从高净值客户的专项安排，逐步走向更广泛的客群。 日前，记者在交通银行（601328）股份有限公司（以下简称"交通银行"）"蓝气球公益·财富向善"发布 会上获悉，2025年以来，该行慈善信托发展速度明显加快，年内新设立近30单慈善金融产品，吸引2300 余名客户参与。 围绕慈善信托如何连接金融与公益、如何实现长期可持续发展，《证券日报》记者对交通银行私人银行 部总经理金旗进行了专访。 财富向善的跨越式发展 资料显示，交通银行自2018年推出"BLUE蓝气球"公益品牌，将慈善金融纳入集团战略，并着手构建慈 善服务体系。金旗表示，慈善需求与居民财富增长密切相关。"随着居民人均GDP水平提升，客户更关 注公益参与方式，也更重视项目透明度，包括资金流向与 ...

Core Insights - The report highlights the challenges and opportunities faced by charitable organizations in asset management, emphasizing the need for professionalization and improved investment strategies [1][2] Group 1: Current State of Charitable Organizations - In 2024, the donation income of social organizations in mainland China reached 129.79 billion yuan, with the total number of foundations exceeding 9,800 [1] - Despite the growth, the sector faces structural challenges such as insufficient asset management capabilities and low investment returns [1] Group 2: Investment Management Challenges - Current average annual investment return rates for charitable assets in China are low, leading to real asset depreciation [1] - Issues such as long-term declining interest rates, reliance on bank deposits, lack of professional talent, inadequate management systems, and regional development imbalances are prominent [1] Group 3: Policy and Regulatory Environment - The implementation of the new Charity Law and supporting policies provides clearer regulations for charitable investments while raising the bar for professionalization and standardization [1][2] Group 4: Future Directions and Initiatives - Charitable organizations are at a historical turning point, moving from "conservative idle" to "professional value-added" asset management [2] - The market needs to offer differentiated service strategies to accommodate varying capabilities, risk preferences, and collaboration needs among organizations [2] - In June 2025, the company will launch the "Yizhao Xiangshan · Zhiyuan Qianxing" public finance brand and establish the first ESG public finance laboratory in the securities industry [2] - The company aims to connect investors with charitable causes through public finance, promoting sustainable development in the charity sector [2]

Core Insights - The report highlights the ongoing development of China's charity sector, with total donations reaching 129.79 billion yuan in 2024 and the number of foundations exceeding 9,800, while also addressing structural challenges such as inadequate asset management capabilities and low investment returns [1] Group 1: Current Challenges and Trends - China's charity sector is transitioning from a "conservative idle" approach to a "professional value-added" model, driven by policy support, technological innovation, and internal demand [2] - The average annual investment return of charity assets in China is low, leading to pressure on organizations to seek alternative financial products that better match risk-return profiles [3] - The implementation of the new Charity Law and supporting policies has established clearer regulations for charity investments, raising the bar for professionalization and standardization [2] Group 2: Investment Trends - Six core trends in charity organization investments have been identified, including the need for customized services for large foundations, particularly university endowments, which have significant assets and frequent large donations [3] - Collaborative investment models are emerging, such as the "Shenzhen Charity Common Fund," which has accumulated nearly 1 billion yuan and generated over 80 million yuan in returns, addressing the challenges faced by smaller organizations [3] - There is a clear preference for low drawdown and relatively high returns in investment strategies, with some organizations setting strict withdrawal alerts and stop-loss lines to balance asset safety and public sentiment risks [3] Group 3: Mechanisms and Innovations - The collaboration between charitable trusts and asset management products is becoming increasingly close, with entrusted institutions enhancing asset appreciation capabilities through various models [4] - The establishment of the ESG Public Finance Laboratory by China Merchants Securities marks a significant step towards systematic and professional upgrades in public welfare practices [4][5] - The company aims to integrate public finance innovation with ESG principles to explore new pathways for wealth creation and social good, contributing to common prosperity and high-quality development [5]

Core Insights - The report highlights the transformation of asset management in Chinese charitable organizations from a conservative approach to a more professional and value-added strategy, driven by policy support, technological innovation, and internal industry demands [1][2] Group 1: Industry Overview - China's charitable sector has shown steady growth, with donations reaching CNY 129.79 billion in 2024 and the total number of foundations exceeding 9,800, indicating the increasing role of charity in social welfare and rural revitalization [1] - Despite this growth, structural issues such as insufficient asset management capabilities and low investment returns are becoming more pronounced, particularly in a long-term declining interest rate environment [1] Group 2: Key Development Trends - Conservative organizations are actively seeking alternatives to traditional bank deposits, focusing on financial products that match risk and return [2] - There is a growing demand for customized services, especially from institutions like university foundations that require personalized asset management solutions [2] - Collaborative regional models, such as the "Shenzhen Charity Common Fund," are emerging to pool resources, achieving a cumulative scale of nearly CNY 1 billion and generating over CNY 80 million in returns [2] - Organizations are prioritizing risk-return balance, with some setting a 5% withdrawal warning line and a 10% stop-loss line to manage risks [2] - Large asset holders prefer dedicated accounts, with universities and large corporate foundations leaning towards specialized deep services [2] - Innovative mechanisms are fostering deeper cooperation, integrating charitable trusts with asset management products to create a cycle of returns benefiting public welfare [2] Group 3: Company Initiatives - In June 2025, the company launched the "Yizhao Xiangshan · Zhiyuan Qianxing" public finance brand and established the first ESG public finance laboratory in the securities industry, aiming to promote the systematic and professional transformation of public welfare practices [2]

Core Insights - The report titled "Charity Organization Investment Special Research Report" provides a comprehensive overview of asset management in Chinese mainland charity organizations, highlighting challenges and opportunities for asset preservation and appreciation [1] Group 1: Current State of Charity Asset Management - Charity organizations in China face low annual investment returns, with assets under pressure from depreciation due to long-term declining interest rates and a lack of professional management capabilities [2] - The implementation of the new Charity Law and supporting policies has established clearer regulations for charity investments, demanding higher levels of professionalism and standardization [2] Group 2: Transition in Asset Management Strategies - Chinese charity organizations are at a historical turning point, shifting from "conservative idle" management to "professional appreciation" of assets, driven by policy support, technological innovation, and internal demand [3] - There is a need for differentiated service strategies in the market to cater to the varying capabilities, risk preferences, and collaboration needs of different organizations [3] Group 3: Key Trends in Charity Investment - The long-term decline in bank deposit rates has compelled conservative charity organizations to seek alternative financial products that better match their risk-return profiles [4] - University foundations, due to their concentrated assets and frequent large donations, have become key targets for customized asset management services [4] - Regional cooperative investment models are emerging, such as the "Shenzhen Charity Common Fund," which has accumulated nearly 1 billion yuan and generated over 80 million yuan in returns, addressing the challenges faced by smaller organizations [4] - Investment preferences are characterized by a clear demand for "low drawdown, relatively high returns," with some organizations setting strict withdrawal alerts and stop-loss lines to balance asset safety and public spending needs [4] - For larger organizations like university foundations and large corporate foundations, dedicated account management is becoming a key consideration due to its specialized and in-depth service [4] Group 4: Innovations and Future Directions - The collaboration between charitable trusts and asset management products is becoming increasingly close, with entrusted institutions enhancing asset appreciation capabilities through models like "trust + asset management" and "trust + investment advisory" [5] - The launch of the "Yizhao Xiangshan · Zhiyuan Qianxing" public finance brand by the company marks a significant step towards systematic and professional upgrades in public welfare practices [5] - The company aims to deepen its commitment to connecting investors with public welfare through public finance, contributing to the sustainable development of the charity sector [5]

Core Insights - The event "沃德财富万里行" organized by Bank of Communications Jiangsu Branch and交银施罗德基金 aims to enhance wealth management services and investor education [1][2] - The "沃德财富" brand has evolved over nearly two decades to provide comprehensive wealth management solutions, including asset allocation, family trusts, cross-border finance, and tax planning [1] - The bank emphasizes the importance of professional wealth management in increasing residents' property income and promoting common prosperity [1] Group 1: Wealth Management Development - The "沃德财富" brand was launched in 2006 and has since become a trusted partner for individual clients, managing over 400 billion yuan in financial assets for more than 11 million customers [1] - The wealth management team consists of experts from various fields, utilizing professional research and quantitative models to create the "沃德优选" product series [1] Group 2: Economic Insights and Asset Allocation - The event featured insights from Zhao Wei, Chief Economist at Shenwan Hongyuan, who discussed the current economic trends and investment opportunities, focusing on policy understanding and market outlook for 2026 [3] - Liu Jiawei from交银施罗德基金 provided practical advice on fund asset allocation and the underlying logic of asset management [3] Group 3: Social Responsibility in Wealth Management - The "瑞善" charitable trust service was launched to enhance the professionalism and efficiency of charitable activities, reflecting the social responsibility aspect of wealth management [4][5] - The "瑞善" program includes upgrades in service models, focus areas, user experience, technology integration, and collaboration with nearly 50 trust and charity organizations to create a transparent charitable network [5]

事实上，自2019年设立首笔慈善信托以来，交行在此领域已深耕六年，累计设立慈善信托超60单，汇聚 近4000名爱心客户，累计捐赠金额近2600万元。尤其进入2025年以来，数据上来看，相关方参与热情空 前高涨。交行慈善信托业务实现了跨越式发展，年内新设立近30单，吸引超2300名爱心客户积极参与， 捐赠金额突破千万元。 据交通银行私人银行部相关负责人向记者介绍，2025年，交通银行进一步深化"金融+公益"服务生态圈 建设。今年已有2317名爱心客户踊跃捐赠；参与慈善信托32笔；捐赠金额达1036万元。同时，慈善服务 生态圈内的合作伙伴已扩展至近50家机构，与民政部门、社区、街道、医院、学校、养老福利院等的合 作也得到进一步拓展，高净值客户参与慈善的意愿与行动力有所提升。 在助力慈善信托发展中，银行机构具体扮演着怎样的角色、发挥了哪些作用？在这一发展过程中，交通 银行从客户与渠道端又感知到了哪些新的需求变化？ 近日，在回应21世纪经济报道记者提问时，交行浙江省分行相关负责人深入分析表示，该维度的需求变 化主要体现在两点上： 21世纪经济报道记者 余纪昕 随着时代的改变，高净值人群对慈善的认知持续深化；另一方面， ...

Core Insights - The company has demonstrated a steady growth in asset management scale, which is rare in the fluctuating asset management industry, attributed to a clear customer and product positioning strategy [1][2] - The mission of the company is to serve the real economy and promote common prosperity, integrating the political and people-oriented nature of financial work into practice [1][2] Group 1: Development Strategy - The company has served over 25 million customers and generated nearly 200 billion yuan in returns since its establishment in July 2020 [2] - As of June 2025, the company's product management scale reached 2.13 trillion yuan, with over 700 billion yuan in medium to long-term products, placing it among the top wealth management firms [2] - The company emphasizes a stable product strategy focused on fixed-income products while diversifying its offerings to create a comprehensive wealth management product supermarket [2][3] Group 2: Operational Framework - The company operates on a "six-dimensional" system covering customer, channel, product, investment research, assets, and risk control, which is essential for its stable development [3][4] - The investment research system is designed to cover a wide range of asset classes, necessitating multiple research modules to effectively manage diverse risks [3][4] - The product system includes over 2,000 products, with a focus on clear legal positioning and distinct characteristics for each product [4] Group 3: Social Responsibility and Innovation - The company integrates charitable activities into its financial products, allowing investors to contribute to social causes while earning returns [5][6] - As of July, the company has launched 23 charitable financial products, raising over 18 billion yuan and donating more than 18 million yuan to support children in need across multiple provinces [6] - The company is also expanding into technology finance, green finance, and digital finance, with a focus on innovative sectors such as renewable energy and biotechnology [6][7]

Core Insights - The "Warm Child Journey" charity financial brand by Xinyin Wealth Management won the "Annual Brand Communication Case Award" at the 6th China Financial Annual Brand Case Competition [1] Group 1: Company Initiatives - Xinyin Wealth Management, as a key player in CITIC Bank's asset management sector, focuses on common prosperity as a major business development direction, innovating the "charity + finance" model [3] - The "Warm Child Journey" charity financial product donates a portion of excess returns and subscription funds to partner public welfare foundations, aimed at children's medical care, education, and health [3] - The company has issued three batches of five charity financial products, with a total scale exceeding 5 billion yuan, receiving enthusiastic subscriptions from investors [3] Group 2: Future Plans - Xinyin Wealth Management aims to continue its mission of "serving the real economy and assisting common prosperity," with a plan to achieve a "billion scale and ten million donations" [3] - The company seeks to collaborate with more partners to gather social charity resources and explore the creation of a "charity finance" ecosystem [3] - The initiative is expected to promote industry demonstration effects and contribute to the construction of common prosperity and high-quality economic development [3]

Core Viewpoint - The company, Xinyin Wealth Management, has received two charitable honors for its "Warm Children's Journey" charitable financial product, which supports the practice of common prosperity [1][3]. Group 1: Charitable Financial Initiatives - Charitable finance is a significant focus for Citic Bank in the asset management sector, with Xinyin Wealth Management committed to serving the real economy and promoting common prosperity [3]. - The "Warm Children's Journey" charitable financial product donates a portion of excess returns and subscription funds to partner charitable foundations, focusing on children's medical care, education, and health [3]. - Xinyin Wealth Management has successfully issued three batches of five charitable financial products, with a total scale exceeding 5 billion yuan, attracting enthusiastic subscriptions from market investors [3]. Group 2: Future Plans and Goals - The company aims to continue fulfilling its corporate mission by collaborating with more partners and harnessing social charitable forces to explore the creation of a "charitable finance" ecosystem [3]. - Xinyin Wealth Management is dedicated to contributing to the construction of common prosperity and supporting high-quality social and economic development [3].