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 ...

Core Viewpoint - The company reflects on its five-year journey, emphasizing its commitment to serving the real economy and contributing to common prosperity, while aiming for high-quality development in line with Chinese banking characteristics [3][12]. Group 1: Company Mission and Vision - The company aims to create a platform that meets world-class standards, focusing on market credibility, brand strength, and connectivity [3]. - It emphasizes the importance of aligning with national strategies and enhancing financial services to support the real economy, with over 1 trillion yuan directed towards this goal [5][12]. Group 2: Achievements and Growth - Over the past five years, the company has achieved significant milestones, including over 200 awards, operating income exceeding 16 billion yuan, and net profit surpassing 10 billion yuan, with a compound annual growth rate of 11% [12]. - The company has served over 25 million clients and generated nearly 200 billion yuan in returns for investors [8][12]. Group 3: Governance and Risk Management - The company has established a governance structure that emphasizes independent operations and risk management, adhering to regulatory requirements [11]. - A comprehensive risk management system has been implemented to address credit, market, and liquidity risks [11]. Group 4: Future Strategy - The company plans to accelerate its strategic layout in new sectors, aiming to build a comprehensive and diverse product and service system [13]. - It will focus on enhancing both quantitative and qualitative aspects of its offerings, ensuring a sustainable growth trajectory [15].

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 ...

Core Viewpoint - The company, Xinyin Wealth Management, has made a charitable donation of 3.4264 million yuan to support the education development in Huangpu District, Shanghai, benefiting over 30,000 teachers and students across 14 schools [1][3]. Group 1 - The donation is part of the "Warm Journey for Children" initiative, which serves as an important vehicle for the company to fulfill its social responsibility [3]. - Over the past two years, the initiative has raised more than 18 billion yuan in financial resources and has donated over 10 million yuan [3]. - The company aims to continue supporting high-quality education in Huangpu District, positioning itself as a "runner" for the healthy growth of children [3][6]. Group 2 - Future plans for the "Warm Journey for Children" initiative include close collaboration with the government and various social sectors to enhance educational projects, such as the establishment of "Little Warm Elephant" AI laboratories [6]. - The Huangpu District government has expressed high recognition of the initiative and encourages the company to continue its support for local education, aiming for high-quality development through mutual efforts [6][8]. - The company will uphold the public welfare philosophy of "making charity simpler through financial management" and deepen cooperation with the Huangpu District Education Foundation [8].

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].

一周财经大事（2025年8月4日-8月10日） 头条 证监会1.6亿罚单：*ST高鸿财务造假，9名董监高被罚 8月8日晚，证监会在官网发布了一则对于上市公司财务造假案件的通报。 据悉，*ST高鸿（即大唐高鸿网络股份有限公司）长期开展无商业实质的笔记本电脑等"空转""走单"业 务，大幅虚增收入和利润，违反证券法律法规。 证监会拟对相关责任主体罚款1.6亿元，对配合造假的第三方罚款700万元。*ST高鸿涉嫌触及重大违法 强制退市情形，深交所将依法启动退市程序。 北京符合条件家庭五环外买房不限购，公积金加码！什么信号？ 8月8日，北京市住房和城乡建设委员会、北京住房公积金管理中心发布关于进一步优化调整本市房地产 相关政策的通知（下简称《通知》）。通知指出，符合北京市商品住房购买条件的居民家庭，在五环外 购买商品住房（含新建商品住房和二手住房）不限套数。此外，北京也加大住房公积金贷款支持力度。 通知自2025年8月9日起施行。 酒闻 茅台集团"百元酱酒"上新，新品瞄准宴席渠道 茅台集团旗下"百元酱香"产品上新。 8月6日，南都湾财社-酒水新消费指数课题组记者从茅台保健酒业公司微信公众号上注意到，该公司正 式对外宣布， ...