"适老化"服务有温度暖心敬老提升养老金融服务体验 养老金融既是我国金融事业的重要组成部分，又是养老事业的重要支撑，更是走中国特色金融发展 之路的必然要求。金融机构要坚持政治性、人民性，要始终把不断实现人民对美好生活的向往作为金融 工作的出发点和落脚点，做好养老金融大文章，建设金融强国。 信银理财自成立以来，始终将养老金融作为重点赛道积极布局，不断探索养老金融高质量发展，丰 富养老主题相关产品及策略研发，并在实践中加快提升适老化服务水平，用心用情做好养老金融大文 章。截至2024年9月底，信银理财持续做大做强"信颐"养老品牌，产品总规模近600亿元，直销APP上 线"适老化"版本，客户服务开通"敬老专线"，积极打造养老金融新产品、新服务，以优质金融服务助力 养老金融发展，奋力做好养老金融大文章。 "专业化"服务有力度稳健理财护航银发经济发展 与发达国家相比，我国养老金融体系在总量和结构上存在短板，由于过于依赖第一支柱，第二支柱 起步晚、增长空间有限，第三支柱养老金余额占比较低。 为加快推进多层次养老保障体系，特别是第三支柱建设，近年来国家及相关部门利好政策频出，各 类金融机构应需而动、抢抓机遇。诞生于商业银行的 ...

中国证券报记者梳理发现，民生理财、招银理财、华夏理财、中银理财等理财公司近期密集发布下 调理财产品业绩比较基准的公告，部分产品下调幅度超100个基点。 理财产品业绩比较基准下调与其底层资产收益率走低密切相关。在当前低利率环境下，理财公司适时调 降业绩比较基准，可避免理财产品实际收益率与业绩比较基准偏离过大的问题，及时调整投资者收益预 期。 展望2025年，业内人士认为，资产荒料持续，在适度宽松的货币政策下，低利率环境难言完结。为应对 债市波动，不少理财公司调整产品底层资产投资策略，加强投资者预期管理；同时，加强投研能力建 设，积极布局权益市场，为投资者提供更加多元的投资选择。 加强投资者预期管理 近日，多家理财公司密集发布下调理财产品业绩比较基准的公告。例如，1月13日，民生理财发布公告 称，根据理财合同约定及当前市场情况，决定自下一投资周期（2025年1月15日开放日后）起，将"民生 理财贵竹慧赢添利固收增强半年定开1号理财产品"的业绩比较基准调整为2.7%-3.1%，较此前下调10个 基点。 又如，招银理财1月6日宣布，根据理财产品合同约定，该公司发行的"招睿卓远系列一年定开9号增强型 固定收益类理财计划 ...

11 中信理财 资 日 投 载 者 亲爱的投资者们: 征途在星辰大海，潮涌于壮阔山河。回望五年前，信银 理财作为首家落户长三角的股份制商业银行理财子公司,伴 赌差国家深化全融供给侧结构性改革的冲锋后备心污带生。 HIJI-V 不知不觉,已陪伴您走过五个年头了。 作为以"服务实体经济,助力共同富裕"为使命的理 财公司,遵循党的意志、契合人民期盼、服务客户需 求，是我们必须扛起的时代重任。 经过五年筑基、五年铸魂、五年聚力,我们追光 逐梦、矢志不渝、对于银行理财如何回归价值本源、扛起 使命担当,坚定走好具有鲜明中国特色、中国银行业特色 和中信特色的高质量发展之路,有了更加清晰而笃定的判 断和领悟。 作为一家致力于打造对标世界一流水准的平台型、 科技型、全能型资管企业,不断塑造市场公信力、品 牌力、联接力,是我们必须交出的历史答卷。 经过五年求索、五年耕耘、五年磨砺、我们逾山越海、 拔节起势,正在从一支初出茅庐、蓄势待发的"资管新军", 向着打造居民财富管理主阵地、服务实体经济主力军的目 标阔步迈进。 这五年, 我们因为温暖托付而彼此照见。 只有金融守"大义"，社会才能取"大利"。 鲜明立起为民造福的政绩观。我们恪 ...

在广西柳州一家企业担任文员的00后陆晓（化名）未曾料到，自己四年前在信银理财App随手购买 的理财产品，不仅支撑了她大学时期的"旅行自由"，更在毕业后化为一把车钥匙——那是她用理财收益 解锁的人生首辆汽车。 与此同时，34岁的重度残障人士张宁（化名）在信银理财App上完成了从零到百万持仓的蜕变。无 法外出工作的她通过指尖操作实现了财富稳健增值："在手机上就能操作，产品选择自由，信银理财 App像亲人一样给了我安全感和温暖鼓励。" 在信银理财成立五周年之际，这两个普通人的财富故事，成为中国资管行业数字化变革的生动注 脚。当金融"五篇大文章"的国家战略照进现实，这家管理规模近2万亿元的头部机构，正用科技的温度 与专业的厚度，将金融服务嵌入千万人的生活肌理。 四年前，读大一的她在信银理财App上的初始投入5000元，此后每年定投2万，最终在复利增长中 悄然沉淀，化作毕业季的方向盘——这不仅是个人财富的增值轨迹，更是金融科技重构资管逻辑的微观 普惠的温度 金融为民 残障人士持仓百万收获满满幸福感 近年来，党中央、国务院高度重视发展普惠金融，多次指出大力发展普惠金融可提高金融服务的覆 盖率、可得性和满意度，增强广大人民 ...

作为业内最早开展科技企业股权直投的理财公司之一，信银理财采取多维策略"驰援"科创企业发 展。依托中信集团产融结合优势和母行客户网络，信银理财通过专业化投资团队，推动细分行业研究， 以股权投资和资本市场业务为抓手，强化对优质企业的筛选和甄别，促进科技金融业务和专精特新"小 巨人"的项目储备，目前多个项目已经结出成果。 在选择股权投资项目时，重点考量的因素包括宏观环境情况、所在细分行业情况、企业的资源禀赋 及风险状况、协同发展赋能和投资成本等。具体需要判断企业在未来较长期限内能够符合经济和金融政 策，考核被投企业的估值合理性，还需考察企业科技属性成色、前景预期、行业壁垒、竞争态势和企业 的团队人员、技术实力、股东支持，以及财务稳健性、融资能力、专利技术、法律合规等。这些都离不 开信银理财"耐心"的研究和"潜心"的研究。 从"精准滴灌"到"生态共建" 服务企业全生命周期投融资需求 面对科技型企业"轻资产、高风险、长周期"的特性，信银理财科学构建了"精准滴灌"与"生态共 建"的发展模式，服务企业全生命周期的投融资需求。 在方向选择上，信银理财会优先聚焦当前国家经济发展的核心领域，帮助破解企业融资难题。在先 进制造业方 ...

7月30日，信银理财举行"温暖童行"慈善理财捐赠仪式。信银理财党委副书记、总裁董文赜代表"温 暖童行"慈善理财向上海市黄浦区教育基金会理事长曹跟林捐赠善款342.64万元。黄浦区副区长袁园、 沈丹娜，区教育党工委书记陈亮，区投促办主任杨国威出席活动并见证捐赠。 此次善款用于支持黄浦区教育事业发展，预计将惠及14所学校、超3万人次师生。信银理财党委副 书记、总裁董文赜表示，"温暖童行"是该公司践行社会责任的重要载体，经过两年的稳健运作，已累计 募集理财资金超180亿元，实现捐赠超1000万元。未来，信银理财将持续扎根黄埔、深耕黄浦，通过"温 暖童行"持续做黄浦优质教育的"陪跑者"，以中信温度呵护黄浦儿童健康成长。黄浦区教育基金会理事 长曹跟林代表基金会接受捐赠并对信银理财"理财+慈善"的公益善举表示感谢。 围绕"温暖童行"下一步发展方向，与会领导展开热烈讨论。信银理财提出，未来将紧跟黄浦打 造"教育强区"的发展规划，不断深化与政府、基金会等社会各界的合作，通过"高目标牵引、项目组推 进、进阶式提升、标准化推广"四步走举措，在全市范围内打造"小暖象"AI实验室等企校联合共建的黄 浦区教育亮点项目。黄浦区政府对"温 ...

Overall Performance - As of August 7, 2025, there are a total of 2,258 public "fixed income + equity" products with a duration of 3-6 months issued by wealth management companies, with 1,134 products achieving positive monthly returns over the past six months, accounting for slightly over 50% [2] - Among institutions, Schroder and Bank of Communications Wealth Management had all three products achieving positive monthly returns, while Su Yin Wealth Management and Agricultural Bank of China Wealth Management had over 90% of their products with positive returns. In contrast, Chongqing Rural Commercial Bank Wealth Management and Pudong Development Bank Wealth Management had less than 20% of their products achieving positive returns [2] Highlighted Product Analysis - Ten products stood out with the highest net value growth rates over the past six months, coming from seven wealth management companies, with Ping An Wealth Management having the most products listed (3), followed by Pudong Development Bank Wealth Management (2) [2] - The top-ranked product from China Postal Savings Bank Wealth Management achieved a net value growth rate of 4.34% over the past six months, but it also had a high annualized volatility of 2.81%. The second-ranked product from Pudong Development Bank Wealth Management also exceeded a 4% growth rate [3] Product Performance Metrics - The third-ranked product from Xinyin Wealth Management had the highest Calmar ratio, achieving a 3.88% return with a maximum drawdown of only 0.01%. Another product from Ping An Wealth Management also had a high Calmar ratio with a 3.59% net value growth rate and a maximum drawdown of 0.01% [3] - The top product from China Postal Savings Bank is a secondary (medium-low risk) open-ended net value product with a minimum holding period of 180 days. Since its inception, the product's net value has steadily increased, with a total growth of 7.46% and a year-to-date growth rate of 4.36% [3] - The product's asset scale surged to 463 million yuan by the end of June 2025, a 26-fold increase from 16.68 million yuan at the end of the first quarter of 2025, likely due to increased marketing efforts [3] Investment Strategy - The product aims to provide stable and continuous investment returns through asset allocation and fund selection, primarily tracking the China Postal Savings Bank Stable Strategy Fund Index [4]

Core Viewpoint - ABC Wealth Management Co., Ltd. emphasizes its commitment to providing flexible and secure wealth management products that cater to diverse customer needs, while also focusing on sustainable and responsible investment practices. Group 1: Product Offerings - The "农银时时付" series has expanded to over 20 products with a total fundraising scale exceeding 700 billion [5][6] - The "农银天天利" series, launched in 2021, has raised nearly 270 billion, offering daily liquidity and flexible access to funds [6][7] - The ESG series, introduced in 2019, reached a peak scale of over 800 billion, prioritizing investments in clean energy and environmental protection [9][10] Group 2: Performance Metrics - The "农银天天利" series has a recent annualized return of 2.01% and a cumulative annualized return since inception of 3.44% [7] - The "农银匠心·灵动" ESG product has an annualized return of 5.00% for 2024, with over 80% of assets in fixed income [10] - The "低波悦享" series, launched in 2023, has a scale exceeding 400 billion and aims for zero drawdown in its investment strategy [14] Group 3: Target Audience - The "农银时时付" products are designed for individual investors, providing a cash management solution [5] - The "农银天天利" series caters to both individual and corporate clients, enhancing liquidity and investment flexibility [7] - The "乡村振兴" series targets county-level clients, focusing on rural revitalization and agricultural support [11][12]

农银理财有限责任公司 ABC Wealth Management Co., Ltd. I 11 12 10 5 3 9 4 8 5 7 6 那些被时光磨旧的画面， 总是不经意间钻出来 恍惚间看见小时候垫脚 够存钱罐的样子 I H CO 日 I HILL @ O .. ary e 4 Up 原来那些藏在老物件里的时光，早被悄悄妥 帖安放在心间。六载相伴,农银理财愿意做家里 总为你亮着的那盏灯,默默暖着当下的日子,也 用心护着往后的时光。 01 *数据截至2025年7月31日 风险提示 本产品由农银理财有限责任公司发行与管理,代理销售机构中国 农业银行不承担产品的投资和兑付责任。本产品通过代理销售机构渠 道销售的,产品风险评级应当以代理销售机构最终披露的评级结果为 准。"农银安心"、"农银天天利"仅为产品名称,不构成任何收益 承诺。理财产品过往业绩不代表其未来表现,不等于理财产品实际收 益,投资须谨慎。本资料仅为宣传用品,不作为任何法律文件。产品 要素请以产品说明书为准,投资者在投资前应认真阅读产品说明书、 理财产品投资协议等法律文件。产品详情及产品说明书可咨询中国农 业银行授权网点、访问中国农业银行网站(WWW ...

Core Viewpoint - The article emphasizes the importance of financial literacy and the launch of "Li Cai Wan Juan Shu" by Nongyin Wealth Management, which aims to provide comprehensive knowledge and tools for investors to navigate their financial journey [1][9]. Group 1: Understanding Financial Products - The article introduces the concept of "Zhi Li Cai," which focuses on understanding the product system and basic financial knowledge to help investors avoid common pitfalls and develop a holistic view of financial management [2]. - It highlights the importance of mastering redemption rules and risk matching to help investors select suitable financial products that meet their investment needs [2]. Group 2: Practical Guidance and Resources - The article outlines various educational resources such as video explanations, fun comics, and expert insights to make financial learning engaging and accessible for beginners [3][4]. - It mentions the "Li Cai Qing Bao Ju" section, which provides timely economic news and professional analysis to keep investors informed about market dynamics [5]. Group 3: Expert Insights and Strategies - The "Zhao Ren Shuo Shi Chang" section features insights from a team of experts who analyze market policies and trends to assist investors in making informed decisions [6]. - The "Li Cai Da Ren Shuo" section offers in-depth analysis of product operations and different investment strategies, enhancing investors' understanding of financial management [7]. Group 4: Product Information and Tools - The "Li Cai Bi Ji" section summarizes key points and details about Nongyin Wealth Management's product system and redemption rules, helping investors recognize products by name [8]. - The "Li Cai Bai Bao Xiang" section provides a user-friendly visual guide to changes in product redemption rules and purchasing methods, making it easier for investors to access information [8].