【导读】平安银行与平安理财高管详解理财服务升级 中国基金报记者 刘明 以"中国最卓越、全球领先的智能化零售银行"为战略目标，在行长冀光恒两年多的改革后，平安银行的 零售银行战略究竟将怎么做，今年3月从深圳分行调任总行分管零售的行长助理王军，近日接受媒体采 访。 另一方面，从银行自身发展，平安银行现在大概4.21万亿元AUM，基础理财占比还不够高，所以也需 要调整结构，提升基础理财在大财富管理的作用，尤其以银管或者基础理财作为突破口或者重点的发展 方向，是要高价值或者高质量的财富管理AUM。 8月25日，平安银行举办2025年中期业绩发布会，王军首度以行领导身份在主席台亮相并分享零售业务 的想法，王军谈到了紧紧围绕效益优先、兼顾规模的经营发展目标，平安银行对零售业务首次提出"效 益优先、兼顾规模"。王军表示，要重视银管资产、银保资产，尤其是基础理财，使其成为AUM（资产 管理规模）高质量发展的"蓄水池"。王军说，下一步将打造"买理财找平安、好理财平安造"的品牌升 级。 8月27日，平安银行与子公司平安理财举办"买理财 找平安"为主题的理财服务升级发布会。王军发表致 辞时表示，平安银行和平安理财携手升级理财服务， ...

Core Viewpoint - Ping An Bank aims to become "China's most outstanding and globally leading intelligent retail bank" by enhancing its retail banking strategy, focusing on "efficiency first, scale considered" in its retail business development [1][2]. Group 1: Retail Banking Strategy - Ping An Bank has appointed Wang Jun as the assistant president in charge of retail banking, emphasizing the importance of asset management and basic wealth management as a "reservoir" for high-quality AUM (Assets Under Management) development [1][3]. - The bank's retail AUM currently stands at approximately 4.21 trillion yuan, with a need to increase the proportion of basic wealth management products [3]. Group 2: Wealth Management Services - The bank is responding to the low interest rate environment by positioning wealth management as a "wealth ballast," aiming to provide stable and secure investment products for customers [3][4]. - Ping An Wealth Management has launched a brand upgrade campaign titled "Buy Wealth Management, Choose Ping An" to enhance customer trust and satisfaction [1][3]. Group 3: Differentiation in Wealth Management - With over 40,000 bank wealth management products in the market, Ping An Wealth Management is focusing on creating differentiated service capabilities to stand out in a highly competitive environment [5][6]. - The company is leveraging AI and big data to provide tailored services to a large customer base, enhancing the customer experience through features like "Wealth Management Night Market" for flexible trading [6][7]. Group 4: Investment Management Practices - Ping An Wealth Management is implementing an "industrialized and platformized" investment management model to ensure consistency in risk-return characteristics and improve investment efficiency [7]. - The company aims for absolute returns, with clear performance targets for each product, supported by a robust platform for achieving these goals [7]. Group 5: Service Advantages - Ping An Bank boasts five core service advantages: strong backing from the Ping An Group, a comprehensive product offering, a large professional wealth management team, fast transaction processes via its app, and exclusive customer benefits [8]. - The bank's wealth management clients generally prefer investments that yield higher returns than deposits while avoiding high risks, indicating a cautious approach to market fluctuations [8].