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].

聚焦客户需求 丰富绿色金融服务体系 中央金融工作会议提出，做好科技金融、绿色金融、普惠金融、养老金融、数字金融五篇大文章。 绿色金融是推动中国经济高质量发展的选择，也是支持经济和社会低碳绿色发展的重要工具。 作为中信银行在资管领域的重要布局，信银理财积极响应贯彻国家"双碳"目标，搭建绿色金融服务 生态，持续打造多元化的绿色金融产品和服务体系，积极助力经济社会发展全面绿色转型，为中国式现 代化贡献银行理财的坚实力量。 强化顶层设计 将绿色理念融入经营战略 党的二十大报告提出，推动经济社会发展绿色化、低碳化是实现高质量发展的关键环节。银行理财 作为金融行业的新生力量，贯彻落实绿色金融与可持续发展理念既是实现自身轻资产转型发展的必由之 路，更是践行金融政治性、人民性的必然选择。 信银理财于2021年制定灯塔计划，将绿色金融作为公司重大发展战略之一贯彻推进，已形成公司领 导、各部门协同分工、全员共同参与的绿色金融战略组织架构，将绿色金融、ESG理念融入投资策略、 资产配置、风控机制、考核激励等经营管理流程，全方位加强绿色能力建设，完善配套资源。 在风控方面，信银理财建立了绿色业务统一标签，在评审端嵌入绿色风险审查标准 ...

Core Insights - Xinyin Wealth Management was awarded the "Annual Outstanding Bank Wealth Management Subsidiary" at the "2023 China Financial Development Forum and the 14th China Golden Ding Award Ceremony" for its exceptional comprehensive strength in bank wealth management [1] Company Overview - Xinyin Wealth Management is a significant part of CITIC Bank's asset management strategy, adhering to the philosophy of "entrusted by others, managing wealth for others" and focusing on customer-centric services [4] - The company has developed a multi-tiered product system with different risk-return characteristics, covering six major product tracks: currency, currency+, fixed income, fixed income+, mixed, and equity [4] - Xinyin Wealth Management has gained high market recognition, ranking among the top tier in comprehensive wealth management capabilities according to Puyi Standard and Zhongzheng Jinnv's national wealth management institution rankings [4] Future Outlook - The company aims to continue its mission of "serving the real economy and promoting common prosperity," leveraging CITIC's collaborative advantages to enhance the political and people-oriented nature of financial work [4] - Xinyin Wealth Management is committed to improving its professionalism to better provide asset management services to various clients, aspiring to become a leading technology-driven asset management firm domestically and internationally [4] - The company seeks to contribute to the high-quality development of the social economy through its services [4]

Group 1 - The core viewpoint of the article highlights that Xinyin Wealth Management has been awarded the "Bank Wealth Management Company Topology Award" at the 2023 Zhitong Finance Sixth Investment Annual Conference, recognizing its leading comprehensive strength in bank wealth management [1][4] Group 2 - Xinyin Wealth Management, as an important layout of CITIC Bank in the asset management field, adheres to the philosophy of "entrusted by others, managing wealth for others," focusing on customer-centric services [4] - The company has developed a multi-layered product system with different risk-return characteristics across six major product tracks: money market, money market+, fixed income, fixed income+, mixed, and equity, leveraging advanced financial technology to meet diverse client needs [4] - Xinyin Wealth Management aims to enhance its professional services and contribute to high-quality social and economic development, while maintaining its mission of "serving the real economy and promoting common prosperity" [4]

Core Insights - The "Warm Child Journey" charity financial brand by Xinyin Wealth Management won the "Annual Brand Communication Case Award" at the 6th China Financial Annual Brand Case Competition [1] Group 1: Company Initiatives - Xinyin Wealth Management, as a key player in CITIC Bank's asset management sector, focuses on common prosperity as a major business development direction, innovating the "charity + finance" model [3] - The "Warm Child Journey" charity financial product donates a portion of excess returns and subscription funds to partner public welfare foundations, aimed at children's medical care, education, and health [3] - The company has issued three batches of five charity financial products, with a total scale exceeding 5 billion yuan, receiving enthusiastic subscriptions from investors [3] Group 2: Future Plans - Xinyin Wealth Management aims to continue its mission of "serving the real economy and assisting common prosperity," with a plan to achieve a "billion scale and ten million donations" [3] - The company seeks to collaborate with more partners to gather social charity resources and explore the creation of a "charity finance" ecosystem [3] - The initiative is expected to promote industry demonstration effects and contribute to the construction of common prosperity and high-quality economic development [3]

Core Viewpoint - The article emphasizes the importance of digital transformation in the pension finance sector, highlighting how financial institutions can leverage digital technologies to enhance their services and customer experiences in pension finance [1][7]. Group 1: Digital Transformation in Pension Finance - The asset management industry is entering a digital transformation era, which will reshape pension finance business models and optimize service delivery [1]. - Banks, particularly in wealth management, are encouraged to explore digital technologies to create a new digital landscape for pension finance [2]. Group 2: Product Innovation - Digitalization in product innovation is crucial, as pension investments are highly personalized. Utilizing big data, cloud computing, and AI can help create tailored pension products that meet specific customer needs [2]. - The ability to track customer feedback and adapt products throughout their lifecycle is essential for matching diverse customer demands [2]. Group 3: Customer Service Enhancement - Generative AI technology can significantly improve customer service processes in pension finance, enhancing customer experience through personalized marketing and education [3]. - The potential for virtual investment advisors using AI for pension finance clients is highlighted as a future development [3]. Group 4: Investment Research and Management - The current market volatility favors the development of quantitative strategies, with AI models aiding in factor discovery and strategy development for pension finance [3]. - Increasing demands for refined investment management necessitate higher system information levels, with AI helping to expand the management capabilities of investment managers [3]. Group 5: Business Management Digitalization - Establishing a data platform for pension finance can drive intelligent business management, enabling real-time monitoring and analysis of various operational aspects [4]. - The integration of internal and external data resources is essential for enhancing operational efficiency and risk monitoring [4]. Group 6: Risk Management Innovations - The company is actively exploring digital risk control systems for pension-themed financial products, aiming to enhance quality and efficiency [5]. - A comprehensive risk management system has been established to automate key monitoring indicators, reducing the likelihood of investment violations [5][6]. Group 7: Future Directions - The company is committed to leveraging digital technologies to innovate pension finance business models and meet the comprehensive needs of clients throughout their lifecycle [7]. - The focus on achieving a balance between human oversight and technological solutions in risk management is emphasized as a pathway to enhance investment success [5][6].

Core Viewpoint - Xinyin Wealth Management has won two awards at the "ESG Practices in China" event organized by Xinhua News, highlighting its innovative exploration and practices in the ESG field [1][3] Group 1: Awards and Recognition - Xinyin Wealth Management received the "2023 Corporate ESG Annual Special Case" and "2023 Corporate ESG Outstanding Social Responsibility Practice Case" awards [1][3] - The event was co-hosted by Xinhua News, the China Enterprise Reform and Development Research Association, and the Capital University of Economics and Business, focusing on new ESG development concepts and corporate practices [3] Group 2: Company Strategy and Initiatives - Xinyin Wealth Management, fully initiated by CITIC Bank, is a strategic layout of CITIC Group and CITIC Bank to serve the real economy [3] - The company integrates ESG into its strategic development, emphasizing sustainable development and green growth [3] - In the green finance sector, Xinyin Wealth Management has launched customized cross-market ESG stock indices and developed green and ESG-themed products [3] Group 3: Social Responsibility Efforts - The company has introduced the "Warm Childhood Journey" charity financial product, issuing three phases of five products, raising over 5 billion yuan, with an expected charitable donation of 5 million yuan [3] - Xinyin Wealth Management aims to contribute to the green, low-carbon, sustainable, and high-quality development of the economy while adhering to its mission of serving the real economy and promoting common prosperity [3]

日前，养老金融作为"五篇大文章"之一，在中央金融工作会议上被正式提出。实施积极应对人口老 龄化国家战略，推进基本养老服务体系建设，大力发展银发经济，是新时期金融机构深化金融供给侧结 构性改革的题中之义。 作为专业的资产管理机构，信银理财坚持以服务国家战略、增进人民福祉为己任，积极推进养老金 融工作，致力于为投资者提供有担当、有温度、有特色、有价值的养老服务，助力实现人民对美好生活 的向往，奋力谱写金融为民新篇章。 践行金融使命 做好养老三支柱的重要参与者 2022年11月，我国个人养老金制度正式启动实施，银行理财公司成为当下养老第三支柱的重要参与 者之一，其发行的银行理财产品也成为未来个人养老金投资者的重要投资方向。 对于信银理财而言，参与中国特色养老保险体系建设既是机遇、挑战，更是责任、担当。在净值化 时代下，银行理财产品业绩会面临市场环境波动的挑战，管理人需要不断提升投研能力来实现产品业绩 的提升，给投资者带来更好的持有体验，同样也可以为公司带来长期、稳定的资金流，形成正向循环。 另一方面，银行理财公司诞生于金融改革浪潮，肩负着金融为民的重要使命，加快提升投资管理、合规 风控、客户服务和业务创新等方面的能 ...

数字化转型是利用数字化技术赋能业务模式创新的一项系统性工程，需要业务部门与技术部门深度 融合，才能做到敏捷自驱，然而业务与技术"两张皮"却是当前企业数字化转型的关键难题之一。 信银理财结合领先的方法和自身的特点，深入探索数业技融合，全面打造"数智理财"技术赋能体 系，推动信息数字化、场景数字化、业务数字化，布局数字化服务手段，锻造差异化的科技竞争优势。 数字金融是贯彻落实中央金融工作会议提出做好五篇大文章的基础支撑。在数字经济时代，数字金 融将成为铺就金融强国之路的重要基石。做好数字金融这篇大文章，需要借力数字技术革命，推动金融 与数字技术的有机融合，着力提升金融服务实体经济质效，强化系统性风险防控，不断满足经济社会发 展和人民群众金融服务需求。 信银理财始终秉持"科技赋能业务"的理念，充分保证科技投入，深入挖掘金融科技应用场景，全面 推动公司数字化转型，在金融与科技的深度融合发展中实现自身高质量发展新阶段。 强化金融科技布局 赋能业务全流程 金融科技在银行理财公司的业务发展中扮演至关重要的角色。信银理财在成立之初，就将金融科技 布局融入公司战略发展规划，对科技系统进行细致配置和详尽布局，明确将数字化纳入公司 ...

Core Viewpoint - The importance of inclusive finance is emphasized by the Central Financial Work Conference, highlighting its role in national economic development and social equity [1] Group 1: Development Strategy - The company positions inclusive finance as a major strategic focus, aiming to enhance financial service coverage, accessibility, and satisfaction [2] - Two main approaches are adopted: focusing on the financial needs of key service targets and enriching the inclusive financial product system while lowering investment thresholds [2] - The company is also accelerating the integration of digital solutions into inclusive finance, exploring new models to enhance service breadth and depth [2][3] Group 2: Product Innovation - The company aims to create unique products such as charitable finance and localized finance to deepen and elevate inclusive financial services [4] - The "Warm Child Journey" charitable finance product has been launched, raising over 6.4 billion yuan and supporting children's health and education [4] - Localized finance products are being developed in Zhejiang, with a focus on high-quality development and community wealth sharing, achieving over 10 billion yuan in sales [4] Group 3: Service Optimization - The company is committed to enhancing service density and speed by optimizing channel service capabilities and customer engagement [5] - A direct sales system has been established, along with a multi-channel distribution strategy to improve service efficiency [5][6] - Marketing efforts include online promotions and live broadcasts to reach key customer groups more effectively [6] Group 4: Support for Small Enterprises - The company is increasing support for small and micro enterprises and directing funds towards key agricultural sectors to promote rural revitalization [6] - Collaboration with local governments and market participants is being pursued to enhance the entire production chain for small enterprises and agriculture [6] - The company aims to explore sustainable development models for inclusive finance while providing valuable financial services to investors [6]