Core Insights - The article emphasizes the transformation of financial institutions, particularly through mobile banking, as a key platform for enhancing service experience, security, and convenience, marking a shift from traditional transaction processing to comprehensive financial service platforms [1][2] Group 1: Mobile Banking Evolution - China Everbright Bank has launched the 13.0 version of its mobile app, focusing on wealth management, retirement finance, retail credit, and credit cards, with a goal of connecting users to a better life [1][2] - The new app design is centered around user needs, restructuring the homepage into five main modules: Home, Borrowing, Wealth, Activities, and My Account, indicating a fundamental shift from a bank-centric to a user-centric service logic [2] Group 2: Wealth Management Focus - The retail asset management scale of China Everbright Bank has surpassed 3.15 trillion yuan, with wealth management products reaching 1.89 trillion yuan, showcasing its robust capabilities in providing a reliable wealth management platform [3] - The app's wealth management section emphasizes the "Sunshine Wealth" brand, focusing on trust, security, and professionalism, while introducing the "Four Types of Money" asset allocation concept to guide users in financial planning [3][7] Group 3: Retirement Financial Services - The bank has upgraded its mobile banking features to address the growing demand for diverse retirement solutions, transitioning from a single product sales approach to a comprehensive "finance + ecosystem" service model [5][6] - The app includes dedicated sections for retirement finance and personal pensions, offering a one-stop service that aligns with the national multi-pillar pension system, enhancing the planning of future retirement funds [6] Group 4: User-Centric Innovations - The 13.0 version of the app includes a "Simplified Love" version tailored for elderly users, improving usability through optimized design and simplified processes, thereby lowering barriers for older customers to access digital financial services [6][7] - The bank's initiatives reflect a commitment to redefining the relationship between banks and users in the digital economy, positioning itself as a co-creator of value and an enabler of a better life [7]

近日，在第六届银行业金牛奖颁奖典礼上，徽商银行凭借卓越的理财服务能力、稳健的产品业绩以及良好的市场口 碑，荣膺"银行理财服务金牛奖"和"金牛私人银行奖"两项大奖。 金牛奖系列评选以公正、公平、公开原则和对资产管理行业发展规律的尊重，被誉为中国资产管理行业"奥斯卡奖"。 这一权威奖项是对该行近年来财富管理与私人银行业务在产品创新、客户服务、队伍建设等方面综合实力的权威肯 定。 以客户为中心，提升精细化服务体验 徽商银行始终秉持"以客户为中心"的经营理念，始终将客户需求置于首位，为客户提供多层次、全流程式的陪伴服 务。2022年7月，该行专门设立财富管理与私人银行部一级部，旨在为客户提供更加丰富的财富产品和更加优质便捷 的服务体验。部门成立以来，加快数字化转型步伐，一方面通过精细化客户分层与精准画像，为不同风险偏好的客户 提供适配的资产配置方案，提供从现金管理、稳健增值到财富传承的全方位规划服务。另一方面不断优化手机银行流 程与服务体验，推出夜市理财、"徽财宝"等服务与功能，并通过专业的理财经理团队提供有温度的线下咨询服务，实 现"科技+人文"的融合服务体验。截至2025年11月末，全行财富客户数130.9万户， ...

第八届新财富最佳投顾评选已圆满落下帷幕。在"服务能力评价"阶段，新财富在成都、北京、深圳、上海四地展开"最佳投顾总决赛"。54位来自证券公 司、公募基金、私募基金及第三方机构的资深评委，通过严谨的现场评审与深度答辩，最终评选出91位行业标杆代表。 评审过程中，评委们不仅严格把关，也从专业进阶、服务转型与行业趋势等多重维度，分享了他们的观察、思考与期待。本文将汇集部分评委的现场寄语 （排名不分先后，按机构首字母排序），与读者一同聆听行业前沿的声音。 【上篇回顾】 《第八届新财富投顾评选评委寄语集锦：真正的投顾，从不只有一种答案》 度和专业度在迅速提升。参赛选手均展现出较高的研究水准、较为完善的投资理念、以及较强的客户服务意识。以客户利益为核心，以资产配置与长期陪 伴为核心能力，未来买方投顾队伍必然推动国内财富管理行业进入高质量发展阶段。预祝新财富越办越好! 创金合信基金权益总部执行总监王妍：非常有幸担任此次新财富投顾总决赛的评委，通过参加了ETF和股票两场比赛，深深的感受到买方投顾队伍的成熟 淳阳基金董事长兼投资总监谢伟玉：投顾老师们专业度和对客户的热忱让人感动，期待能通过上市公司调研加强深度、AI跟踪基本面加 ...

《财富管理视角下的金融产品引入和运营》课程中，李欣老师立足行业发展脉络，系统搭建了财富管理视角下金融产品全生命周期运营体系。他首先回溯了 中国公募基金从封闭式基金起步到36.1万亿规模、1.3万只产品的发展历程，结合275万亿居民可投资金融资产的配置需求，揭示了券商财富管理从通道业务 向买方服务转型的必然趋势。在此基础上，他详细拆解了金融产品引入的核心逻辑与流程：公募产品需通过宏观、中观、微观三维尽调，私募产品则聚焦公 司治理、投研稳定性与风险收益匹配度，最终形成覆盖固收、权益、量化等多策略的产品货架。针对行业降费趋势，他提出"做大保有规模、协同ETF生态 圈、转型买方投顾"三大应对路径，并结合个人养老金三支柱体系，阐释了长期财富服务的产品布局与运营逻辑，为学子们呈现了从产品引入到客户服务的 全链条实战框架。 本次课程，王磊老师与李欣老师分别从客户服务与产品运营两个核心维度，系统呈现了财富管理行业的实践逻辑与前沿趋势。两位主讲人以深厚的行业积 淀、务实的实操方法，共同搭建了学术理论与行业实践的沟通桥梁。 《财富管理与基金投资顾问》系列课程不仅为在校学子厘清了财富管理的核心脉络，更传递了以客户利益为核心的行业价 ...

随后，在《营业部财富管理的美名和执业务实》课程中，毛彩华先生结合其二十余年的一线从业经历，分享了财富管理行业的真实图景与执业心得。他深刻 剖析了行业在转型过程中的挑战与机遇，指出真正的财富管理应以客户为中心，超越传统的通道服务，提供涵盖资产配置、风险管理、财富传承的综合解决 方案。毛彩华先生通过丰富的客户案例，生动展示了在实践中如何理解客户需求、建立信任关系并提供务实服务。他鼓励同学们积极投身财富管理事业，从 基础做起，在实践中锤炼专业能力与客户服务精神。 本次课程，白建国先生与毛彩华先生以前瞻的宏观洞察与深厚的实战经验，成功搭建了一座连接学术理论与行业实践的桥梁，不仅启发了同学们对资本市场 的深入思考，也为其未来职业规划提供了宝贵的方向指引。 在《宏观市场与资本市场投资策略》课程中，白建国先生以风趣幽默的讲述风格，系统梳理了当前宏观经济形势与资本市场走势。他不仅从经济增长、政策 导向、产业结构等多维度解析了"十五五"时期的宏观背景与投资逻辑，还通过生动的案例与故事，深入浅出地阐释了科技成长、出海破局、资产配置等关键 策略。白建国老师强调，在当前经济转型与政策托底并存的背景下，资本市场正迎来"慢牛"格局，投资 ...

11月5日，上海财经大学与东方证券联合开设的《财富管理与基金投资顾问》系列课程第五讲在中山北一路校区七教301教室如期举行。本次课程由东方证券 财富管理委员会金融产品总部总经理王峰先生带来《基金选品与组合构建》，以及金融产品总部总经理助理刘晨书洋女士主讲《私募策略介绍以及FOF组合 构建》。两场主题分享紧扣实务，内容层层递进，为现场来自上海财经大学、复旦大学、华东师范大学等多所高校的学生带来了一场系统而深入的基金投资 实战课。 在《基金选品与组合构建》课程中，王峰先生以"你是否购买过基金？"这一贴近学生的问题开场，迅速拉近了与听众的距离。他系统介绍了东方证券TPS体 系下的核心投研能力，并围绕"固收+"与主动权益两大主线，详细阐述了从宏观研判、市场应对到α能力圈刻画的全流程投资框架。他强调，深度α的挖掘不 仅依赖于定量与定性相结合的评分体系，还需结合行为数据验证，并通过完善的标签体系与严谨的绩效归因，实现策略的持续优化与投后管理的精细化。 本场课程内容扎实、逻辑清晰，既有理论高度，又具操作指导性，帮助同学们建立起从基金选品到组合构建，再到私募策略与FOF管理的完整认知链条。王 峰与刘晨书洋两位主讲人以其深厚的 ...

Core Insights - The event hosted by Dongfang Securities and Shanghai University of Finance and Economics focused on wealth management and investment advisory, featuring two main lectures aimed at university students [1][9] Group 1: Investment Fundamentals - The lecture titled "The 'Easy' and 'Difficult' Aspects of Investment" by Dai Daoling addressed the investment cognition characteristics of university students, analyzing the core contradictions and practical logic of investing [3] - Dai highlighted the dual nature of investment, where the "easy" aspects include low entry barriers, easy access to knowledge, and diverse product choices, while the "difficult" aspects involve overcoming information gaps, cognitive biases, and human weaknesses like greed and fear [3] - The lecture emphasized the dialectical relationship between the "easy" and "difficult" aspects of investment, promoting the idea that "slow investment is fast, and fast investment is slow" [3] Group 2: Event-Driven Investment Strategies - The second lecture by Xiao Xia focused on the core logic that "investment is a game of cognitive and information differences," establishing a complete system from strategy to practical application [6] - Xiao introduced a formula for high returns: "strong catalyst × high correlation × value mismatch," and analyzed the three essential elements of investment strategy: "people," "way," and "technique" [6] - Practical techniques were shared, including strategy formulation, content definition, and framework establishment, along with insights into industry cycles and consensus formation [6]

Core Insights - The event held on December 3, 2025, was a collaborative course between Dongfang Securities and Shanghai University of Finance and Economics, focusing on wealth management and fund investment advisory [1] Group 1: Wealth Management Client Service - The course on "Wealth Management Client Service and Communication" was presented by Xing Hailiang, who emphasized a client-centric approach in wealth management, highlighting the importance of understanding client needs and providing continuous educational support [3] - Dongfang Securities employs a client segmentation strategy that includes inclusive, mass, and affluent client service models, utilizing practices such as client classification, label management, and KYC-KYP strategies [3] - The transition from a "transaction-driven" to a "service-driven" model is crucial for helping clients achieve stable wealth growth [3] Group 2: Chinese Economic Resilience - The session titled "The Logic and Practice of China's Economic Resilience" was led by He Guoliang, who analyzed the development logic and resilience of the Chinese economy amid complex international conditions [5] - He discussed the implications of the recent China-US summit and the evolving global economic landscape, linking these to China's strategic layout under the "14th Five-Year Plan" [5] - The deep resilience of the Chinese economy and its policy space provide a solid foundation for the long-term positive outlook of the capital market, encouraging investors to seize opportunities in industrial upgrades and asset revaluation [5] Group 3: Student Engagement and Learning Outcomes - Students actively engaged in discussions regarding macro policies and asset allocation, with both speakers providing insights based on their practical experiences and market cases [7] - The course aims to bridge academic theory and industry practice, enhancing students' understanding of wealth management and their ability to apply macro trends to investment strategies [7]

Core Insights - The event marked the 41st Teacher's Day in China, where Huang Yanming, the director of Dongfang Securities Research Institute, delivered a lecture on "Why Stock Prices Rise and Fall" to over 110 students from various universities [1][3] - The course is part of a collaboration between Dongfang Securities and Shanghai University of Finance and Economics, aimed at promoting financial education and wealth management talent development [1][8] Summary by Sections - **Course Importance**: The course is a key component of the wealth management curriculum in universities, coinciding with the launch of the 2025 "Financial Education Promotion Week," aimed at enhancing financial literacy among students [3] - **Investment Philosophy**: Huang emphasized that the essence of stock price fluctuations lies in changes in market expectations, advocating for a forward-looking approach to investment rather than merely analyzing historical data [3][5] - **Core Thinking Framework**: The lecture introduced core frameworks of securities research, including expectation thinking, trading thinking, and marginal thinking, highlighting the direct relationship between stock price changes and expectation shifts [5] - **Practical Application**: The course not only enriched students' professional knowledge but also systematically developed their financial thinking and risk assessment skills, laying a solid foundation for future careers in wealth management [5][8] - **Industry Collaboration**: Dongfang Securities actively integrates rational investment concepts into university curricula, promoting a new model of financial education through deep collaboration between academia and industry [8]

Core Viewpoint - The eighth New Wealth Best Investment Advisor selection has concluded, highlighting the evolution of the investment advisory industry from product sales to asset management and long-term client relationships [1][66]. Group 1: Professional Development and Industry Trends - The investment advisory team is rapidly maturing, showcasing high research standards and a strong client service awareness, which is essential for the high-quality development of the wealth management industry [2][5]. - The transition from "product sellers" to "asset allocators and companions" emphasizes the growing importance of professionalism, communication, and trust in the advisory role [10][58]. - The industry is moving from "scale expansion" to "deep service," with a focus on understanding clients and navigating market fluctuations [14][66]. Group 2: Future Expectations and Capabilities - Future investment advisors are expected to enhance their capabilities in asset allocation, risk identification, and the use of digital tools to improve service efficiency and precision [62][66]. - The wealth management industry is at a critical stage, where compliance, professionalism, and long-termism will be foundational for success [62][67]. - Advisors should aim to create value centered around client trust, ensuring that investment advice is both profound and warm [67]. Group 3: Client-Centric Approach - The essence of successful wealth management lies in building long-term trust with clients, which requires a shift towards a client-centered service model [41][66]. - Advisors are encouraged to maintain a focus on clients' long-term interests, ensuring that wealth management is not merely about product sales but about delivering sustainable value [66][67]. - The industry is witnessing a significant transformation, where the role of advisors is evolving into that of "wealth stewards" and "life companions" for clients [66].