银行理财子公司成立6年时间，已然成为了老百姓金融资产的压舱石，这背后主要是老百姓对于银行理 财的信任。 对于老百姓而言，好的理财需要兼顾安全稳定和高于普通存款的收益的特点，在当前我国逐渐进入低利 率的大环境下，单纯依靠债券票息并不容易达到投资者对理财产品的收益预期，这对理财公司的投研能 力提出了更高的要求。 随着市场步入低利率时代，理财产品中的票息"保护垫"在变薄，投资者对波动的感受也更加明显，但银 行理财稳健的基因并没有改变，在这种趋势下要保持理财的基因，势必要求理财公司提出新的解决方 案。为此，平安理财构建了"工业化+平台化"的投资管理模式。 "工业化+平台化"投资管理模式能够高效地整合公司内外部的优质资源和投资策略，形成全量、全域、 同宽、共享、协作的平台化能力和组织优势，在严控回撤前提下实现更高的长期业绩达标率；更为理财 公司拓展多资产、多策略奠定了更扎实的平台基础，伴随着时间沉淀，形成适应多种市场环境与波动的 可持续投资优势。 "强交易+量化"双轮驱动 打造固收旗舰 据悉，平安理财对固收系列产品的收益增强要求与公募基金同类型产品保持一致，但净值回撤需控制在 后者的一半。在低波导向下，平安理财投资条线 ...

银行理财子公司成立六年时间，已然成为了老百姓金融资产的压舱石，这背后主要是老百姓对于银行理财的信任。对于老百姓而言，好的理财 需要兼顾安全稳定和高于普通存款的收益的特点，在当前我国逐渐进入低利率的大环境下，单纯依靠债券票息并不容易达到投资者对理财产品 的收益预期，这对理财公司的投研能力提出了更高的要求。 随着市场步入低利率时代，理财产品中的票息"保护垫"在变薄，投资者对波动的感受也更加明显，但银行理财稳健的基因并没有改变，在这种 趋势下要保持理财的基因，势必要求理财公司提出新的解决方案。为此，平安理财构建了"工业化+平台化"的投资管理模式。 "工业化+平台化"投资管理模式能够高效地整合公司内外部的优质资源和投资策略，形成全量、全域、同宽、共享、协作的平台化能力和组织 优势，在严控回撤前提下实现更高的长期业绩达标率；更为理财公司拓展多资产、多策略奠定了更扎实的平台基础，伴随着时间沉淀，形成适 应多种市场环境与波动的可持续投资优势。 "强交易+量化"双轮驱动打造固收旗舰 据悉，平安理财对固收系列产品的收益增强要求与公募基金同类型产品保持一致，但净值回撤需控制在后者的一半。在低波导向下，平安理财 投资条线需自上而下 ...

Core Insights - The banking wealth management industry is facing new challenges in providing stable and high-quality solutions for over 30 trillion yuan in products amid declining interest rates and market volatility [1] - Ping An Wealth Management emphasizes the importance of "allocation" over "timing" in investment strategies, aiming to make every client's fund a "ballast stone" for family wealth [1] Industry Challenges - As of June 2025, there are 194 banks and 32 wealth management companies with a total of 41,800 existing wealth management products, indicating rapid growth but also a challenge of homogenization in the industry [1] - The industry is tasked with providing wealth management products that balance liquidity, stability, and returns, which is a new topic of concern [1] Investment Management Model - Ping An Wealth Management is adopting an "industrialized and platformized" investment management model to address the challenges of homogenization [2] - The "industrialization" aspect involves modularizing the entire investment process, categorizing underlying assets into different strategy modules, which enhances investment efficiency and ensures consistent risk-return characteristics [2] Risk Management - A dynamic risk budgeting model has been established to monitor product volatility and drawdown in real-time, ensuring that each product maintains consistent risk-return characteristics [2] - This system aims to prevent instability in product quality due to individual investment manager preferences, aligning product performance with expected goals [2] Product Development - The new product brand system "An+Xin Stable and Long-term" includes four series: "Anxin" for cash management, "Anwen" for pure fixed income, "Anzhi" for fixed income plus, and "Anyuan" for mixed products, catering to different risk appetites [3][4] - This product system is a response to the evolving needs of investors for wealth management services and reflects a deeper integration of asset management and wealth management functions [4] Service Enhancement - Ping An Bank is also upgrading its customer service system alongside the new product offerings, focusing on long-term client needs and concerns regarding investment decisions [5] - Five core service advantages have been established, including comprehensive financial services, a rich product range, a professional wealth management team, efficient transaction processes, and exclusive client benefits [5] Strategic Goals - Ping An Bank aims to become a distinctive professional retail bank in the wealth management sector, aligning its service upgrades with the current market trends to provide a more secure and reliable wealth management experience [5]