编者按：《机警理财日报》作为南财集团、 21 世纪经济报道、南财理财通的金牌理财专栏，目前细分了现金、纯固收、固收 + 期权、固收 + 权益、混合、权 益、衍生品七大类，已实现对银行理财市场的每日追踪。为了进一步反映银行理财行业发展现状，南财理财通课题组增设机警理财周报专题，力求及时准确 研判理财行业趋势、洞悉理财产品表现，以期为银行理财行业转型发展带来参考价值。 【市场回顾】 上周债市震荡，资金面均衡偏紧。9月28日DR007加权均价为1.5556%，10年期国债收益率收至1.8%。A股板块分化，科创50指数、创业板指数周涨幅分别为 6.47%和1.96%，上证指数、沪深300指数周涨幅分别为0.21%、1.07%，电力设备、有色金属、电子板块周涨幅居前。 【破净情况】 理财破净率走高。南财理财通数据显示，截至2025年9月28日，理财公司共有26,298只存续公募理财产品，其中367只累计净值低于1，银行理财综合破净率 为1.4%。权益类、混合类理财破净率分别为20.41%和2.82%，固定收益类公募理财破净率为1.29%。 各期限人民币固定收益类理财产品破净率维持在较低水平。其中，2—3年期限和6—12 ...

Core Viewpoint - The company, Xinyin Wealth Management, has successfully integrated charity into financial products, raising over 18 billion yuan and donating more than 13 million yuan to benefit over 60,000 children through its "Warm Childhood" charity investment products [1][2][5] Group 1: Charity Financial Products - Xinyin Wealth Management has launched 23 charity investment products, attracting over 40,000 investors and raising more than 18 billion yuan in social funds [1][2] - The "Warm Childhood" charity investment model allows investors to contribute to charity through their investment returns, with a portion of the profits automatically allocated to charitable causes [2][5] - The company emphasizes quality over quantity in its charity products, ensuring that each investment is managed with professionalism and care [2][4] Group 2: Impact on Beneficiaries - The funds raised have been used to improve educational facilities and provide essential support for children in various provinces, including Yunnan, Tibet, and Sichuan [3][4] - The "Warm Childhood" project has provided medical support and psychological counseling for nearly 10,000 children with birth defects [3] - In response to emergencies, such as the earthquake in Tibet, the company has demonstrated rapid response capabilities by quickly allocating funds for disaster relief [3] Group 3: Transparency and Trust - Xinyin Wealth Management has established a transparent process for tracking donations, ensuring that funds are accurately allocated and their impact is visible [4][5] - The company collaborates with reputable charitable organizations to ensure the integrity and effectiveness of its charitable initiatives [4] - A complete closed-loop system has been created, encompassing product design, fundraising, precise donations, and transparent tracking [4]

Core Viewpoint - The development of high-quality public welfare and charity is a crucial approach to advancing common prosperity, with bank-affiliated wealth management companies like Xinyin Wealth Management leading the way in innovative "financial charity" models that connect wealth preservation and growth with social good [1][8]. Group 1: Financial Charity Products - Xinyin Wealth Management launched the "Warm Childhood" charity wealth management series, raising over 2 billion yuan in just 10 days, with funds allocated to children's medical and educational needs [4][6]. - The charity wealth management products are fixed-income products, with donations made based on excess returns to support organizations focused on children's health and education [4][6]. - Previous initiatives include the "Jinjingxiang (Tongfu) series," which raised 1.17 billion yuan and donated 1.55 million yuan in excess returns to various charitable projects [6][11]. Group 2: Role in Common Prosperity - The bank wealth management sector is seen as a key player in achieving common prosperity by effectively connecting financing needs of real enterprises with residents' wealth management demands [3][11]. - The "charity + finance" model allows for a systematic approach to wealth redistribution, enhancing both wealth preservation for residents and expanding sources of charitable funding [6][11]. - Xinyin Wealth Management's efforts have been recognized by local governments and financial regulatory bodies, highlighting its role in promoting common prosperity through innovative financial products [11][12]. Group 3: Strategic Vision and Future Plans - Xinyin Wealth Management aims to create a comprehensive "charity + finance" platform, collaborating with various foundations and financial institutions to innovate and expand charitable wealth management products [11][14]. - The company is committed to integrating its business development with national strategies, focusing on high-quality economic growth and social responsibility [12][14]. - Future initiatives will continue to emphasize children's welfare and support for the next generation, aligning with national goals for common prosperity [7][14].

Core Viewpoint - The charity sector in China is experiencing significant growth and innovation, integrating with various industries to enhance social welfare and promote common prosperity [2][8]. Group 1: Charity Development - The charity sector in China has evolved from a recovery phase to a period of innovation, with a focus on integrating charity with various sectors such as finance and technology [2][3]. - The "Charity+" ecosystem has emerged, promoting high-quality development of charity through deep integration with internet, projects, culture, and brands [2][3]. Group 2: Financial Institutions' Role - Financial institutions are taking on the responsibility of promoting social equity and justice, aligning with the goal of common prosperity [2][3]. - The introduction of charity financial products, such as charity trusts and public welfare funds, has broadened public participation in charity and strengthened the financial foundation of charitable activities [2][3]. Group 3: Company Initiatives - Xinyin Wealth Management has integrated charity into its strategic planning, launching the "Lighthouse Plan" and focusing on areas closely related to national interests [3][4]. - The "Jinqingxiang (Tongfu) Series" charity financial products raised 1.17 billion yuan, generating 1.55 million yuan for projects supporting left-behind children [3][4]. Group 4: Children's Welfare Focus - Xinyin Wealth Management is actively responding to national population strategies by focusing on children's growth, directing charity donations towards medical, educational, and health initiatives [4][5]. - The "Warm Children's Journey" charity financial brand has raised over 10.5 billion yuan, with expected charity funds exceeding 10 million yuan, benefiting various children's welfare organizations [5][6]. Group 5: Impact and Future Outlook - The successful implementation of charity financial projects demonstrates the potential for deep integration between finance and charity, contributing to common prosperity and modernizing China's economy [7][8]. - The "Warm Children's Journey" project aims to continue its mission of serving the real economy and promoting common prosperity, using financial resources to support children's welfare [8][9].