华宝证券出品的2025中国金融产品年度报告《生态跃迁》，已经正式发布了。这是我们 连续第 十四年 发布这个报告。 未来， 我们将继续以买方视角为锚点 ，让研究成果如毛细血管般渗透到我们每个服务的触点 ——因为真正的跃迁，从来不是孤立的质变，而是生态系统的协同进化！ 图：2025中国金融产品年度报告完整目录 | 第一部分 -- 2024 年财富生态洞察 · | | --- | | 1. 存款替代产品的收益率会更低吗? … | | 2. 让客户接受净值型固定收益产品难在哪里? … | | 3. 胖东来对财富管理机构有哪些启示? | | 4. 基金与理财,投资者的选择背后隐藏着什么秘密? …………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………… 10 | | 5.工具化浪潮,指数化投资如何改写金融产品竞争格局? …………………………………………………………………………………………… 12 | | 6. 不同人群如何用养老金规划安享晚年? . | | 7. ...

中金财富周建：资产配置多元化催生财富管理体系新迭代 金十数据6月12日讯，"低利率时代已经来临。"在中金财富2025财富管理发展论坛上，中金财富产品与 解决方案财富规划部负责人周建阐述了低利率时代的资产配置新格局。他称，金融资产在居民资产配置 结构中的占比不断上升，而不动产的整体占比和配置则出现了一定比例的下降。资产配置的多元化催生 了财富管理服务体系升级。对此，周建认为，这亟待相关机构围绕财富管理全流程，打造专业财富管理 力量。以中金财富为例，公司率先发力财富管理转型，立足买方视角，根据客户需要制定合适的解决方 案。"目前，中金财富已建立国际化水准的多层次买方投顾服务体系。" （上证报） ...

Group 1 - The China Securities Regulatory Commission (CSRC) has approved E Fund Management Co., Ltd. to establish a wholly-owned subsidiary focused on buy-side investment advisory services, increasing the number of approved public fund sales subsidiaries in the industry to 9 [1] - E Fund submitted its application for the wealth management subsidiary in May 2023 and has spent nearly two years preparing based on regulatory feedback, building a team of over 100 people across various functions to enhance its advisory services [1] - The newly approved subsidiary, named E Fund Wealth Management Fund Sales (Guangzhou) Co., Ltd., is registered in Nansha District, Guangzhou, with a registered capital of 100 million RMB, and aims to support financial cooperation in the Guangdong-Hong Kong-Macao Greater Bay Area [1] Group 2 - Wealth management subsidiaries are seen as an extension of fund companies, marking a transformation towards wealth management and providing high-quality services from the buy-side perspective [2] - The government has been actively supporting the development of investment advisory services, with recent policies aimed at accelerating wealth management transformation and establishing industry standards [2] - E Fund's investment advisory team plans to leverage the new subsidiary to create a systematic, multi-layered, and intelligent advisory service system, offering comprehensive wealth management solutions to clients [2]

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Core Insights - The establishment of real estate trust registration in Shanghai marks a significant advancement following Beijing's earlier initiatives, with both cities showcasing different practical applications in the sector [1][2] - The Shanghai pilot program highlights a comprehensive process involving various property types and purposes, emphasizing the inclusivity of real estate trusts in wealth management and social welfare [2][3] Group 1: Real Estate Trust Registration - Shanghai's real estate trust registration was initiated by multiple regulatory bodies, indicating a coordinated effort to enhance the financial landscape [1] - The pilot program in Shanghai has resulted in the registration of both residential and commercial properties, showcasing a diverse application of trust mechanisms [2][3] Group 2: Social and Economic Implications - Real estate trusts are emerging as innovative tools for wealth management and inheritance, particularly beneficial for elderly individuals seeking to maintain property rights while ensuring financial security [4] - The integration of real estate into trust structures reflects a broader trend of addressing comprehensive financial needs within families, including elder care and wealth transfer [3][4] Group 3: Industry Trends - The trust industry is expanding its focus beyond real estate to include management of liquid assets, responding to the increasing demand for comprehensive financial services among households [5][6] - As personal wealth accumulates, the demand for diversified wealth management solutions is expected to grow, shifting from high-yield aspirations to more holistic financial strategies [7]

一位私行业务负责人直言：在金融业务基本同质化、理财差异不大的情况下，非金融服务权益已 经成为私人银行的核心竞争力。 预订私人飞机、南极旅行、名医就诊，再到留学辅导、海外医美，私人银行开"卷"服务背后，正 是抢夺千万富豪客户们的野心。 以下文章来源于棱镜 ，作者肖望 棱镜 . 腾讯新闻出品栏目，《棱镜》聚焦泛财经深度记录。 作者： 肖望 来源： 棱镜 私人银行，素以神秘、低调、门槛高昂著称。要成为私人银行客户，须在一家银行内拥有存款、 理财等金融资产超过600万元，招行则将这一门槛提高至1000万元。需要强调的是，这一门槛不 包括房产等固定资产。 业内共识是，一位私行客户往往享受不止一家私行服务， 其个人资产普遍在1500万元以上。 国内私行业务走过18年后，存量富豪客户基本都已被银行发掘，私行业务也从"跑马圈地"转 向"存量竞争"。 01 定制演唱会、南极旅游、观摩卫星发射 招行联合贝恩咨询发布的2023年《中国私人财富报告》数据显示，截至2022 年，可投资资产在 1000 万元以上的中国高净值人群数量达316万人，人均持有可投资产约3183万元。 谁能为富豪客户创造价值甚至提供情绪价值，谁就能得到客户转入 ...

6月11日，21世纪经济报道记者获悉，突触科技(NeuralFin)正式完成A轮融资。该轮融资金额为数千万港 币，本轮融资资方为GPTX、C Capital，以及Shuren Education。本轮融资的资金，将用于技术升级、AI 功能的继续开发和完善、社区功能增强，以及团队人员扩充。 AI技术加成，做金融投资领域的拼多多 谈及最初突触科技的诞生契机，德林控股集团主席兼突触科技董事长陈宁迪表示，突触的目标是金融投 资的平权和普世化，它的基因是德林的家办体系和十五年的深层积累。 "突触科技不是家办的平民化产品，而是一个全新的为大众投资服务的AI智能投资平台。我们要做村村 通、路路通，要用科技去覆盖海外巨大的投资和资管服务的市场，所以只有'AI+金融'才可能实现。"陈 宁迪说。 本轮融资前，突触科技曾经完成韩国Qraft Technologies注资的天使轮融资。据悉，Qraft Technologies是 总部设于首尔的人工智能技术革新传统投资管理公司，2022年获得软银集团1.46亿美元投资。 突触科技本轮融资的投资方可谓大有来头，他们在提供资金支持外，也将为公司业务发展带来资源助 力。具体来说，GPTX ...

以下文章来源于棱镜 ，作者肖望 棱镜 . 腾讯新闻出品栏目，《棱镜》聚焦泛财经深度记录。 将投中网设为"星标⭐"，第一时间收获最新推送 抢夺千万富豪客户们。 作者丨 肖望 编辑丨 孙春芳 来源丨 棱镜 私人银行，素以神秘、低调、门槛高昂著称。要成为私人银行客户，须在一家银行内拥有存款、理财 等金融资产超过600万元，招行则将这一门槛提高至1000万元。需要强调的是，这一门槛不包括房 产等固定资产。 业内共识是，一位私行客户往往享受不止一家私行服务，其个人资产普遍在1500万元以上。 一位私行业务负责人直言： 在金融业务基本同质化、理财差异不大的情况下，非金融服务权益已经 成为私人银行的核心竞争力。 预订私人飞机、南极旅行、名医就诊，再到留学辅导、海外医美，私人银行开"卷"服务背后，正是 抢夺千万富豪客户们的野心。 定制演唱会、南极旅游、观摩卫星发射 招行联合贝恩咨询发布的2023年《中国私人财富报告》数据显示，截至2022 年，可投资资产在 1000 万元以上的中国高净值人群数量达316万人，人均持有可投资产约3183万元。 谁能为富豪客户创造价值甚至提供情绪价值，谁就能得到客户转入更多的资产。同样，银行提供 ...

Core Insights - The approval of E Fund's wealth management subsidiary marks a significant development in the public fund industry, with several large fund companies establishing similar subsidiaries to enhance their wealth management capabilities [1][2][3] Group 1: Company Developments - E Fund has received approval from the China Securities Regulatory Commission (CSRC) to establish a wholly-owned subsidiary named E Fund Wealth Management Fund Sales (Guangzhou) Co., Ltd., with a registered capital of 100 million RMB [1][2] - Other major fund companies, including Huaxia Fund, Harvest Fund, and China Universal Fund, have also set up wealth management subsidiaries, indicating a trend in the industry [3][4] Group 2: Industry Trends - The establishment of wealth management subsidiaries is seen as a strategic move for fund companies to strengthen their marketing channels and enhance their product offerings from a buyer's perspective [1][2][4] - The wealth management subsidiary will focus on buy-side investment advisory services and aims to create a systematic, multi-layered, and intelligent advisory service system for clients [2][4] Group 3: Competitive Landscape - Wealth management subsidiaries are becoming a competitive focus for large fund companies, with different subsidiaries focusing on various business directions, such as fund sales and private asset management [2][3] - As of the end of 2024, several wealth management subsidiaries have entered the top ranks of fund sales, with notable assets under management reported for Harvest Wealth, Huaxia Wealth, and China Universal Wealth [3] Group 4: Strategic Advantages - Fund companies possess unique advantages in establishing wealth management subsidiaries, including strong research capabilities, market understanding, and sufficient capital to support long-term development [4][5] - The transition to wealth management allows fund companies to diversify their offerings beyond public funds, potentially increasing profitability and aligning with the evolving financial landscape [4][5]

不过直播热闹的背后藏着现实扎心面 —— 同框的六位男神，人生轨迹其实早已 " 分道扬镳 " 。有人把直 播当副业 " 玩票 " ，靠早年投资赚得盆满钵满，身价上亿，如今上镜只是图个热闹；而有人人间清醒， 淡泊名利。 以下文章来源于金融八卦女频道 ，作者身披铠甲的方方 金融八卦女频道 . 有深度、有温度、有态度，在这里读懂财富。 这场来自大湾区文化直播互动秀《今晚好犀利》的名场面，短视频剪辑直接刷屏全网。数据更是夸张 —— 直播观看人次狂飙至 1900 万，点赞量突破 3500 万，相关话题播放量狂破 11.6 亿！当镜头里的昔 日男神们默契互动、卖力热舞，多少观众一边喊着 "爷青回"，一边感叹时光飞逝。 不过直播热闹的背后藏着现实扎心面 —— 同框的六位男神，人生轨迹其实早已 "分道扬镳"。有人把直 播当副业"玩票"，靠早年投资赚得盆满钵满，身价上亿，如今上镜只是图个热闹；而有人人间清醒，淡 泊名利。 文丨金融八卦女 特约作者：身披铠甲的方方 最近，"童年记忆" 直接杀疯了！TVB 男神天团 —— 欧阳震华、郭晋安、林晓峰、吴卓羲、王浩信、高 钧贤集体亮相直播间，跳起全网魔性洗脑的《晚安大小姐》。直播弹幕瞬间 ...