Core Viewpoint - The rise of public fund mini-programs in China is expected to lead to a stratified development pattern, enhancing user service and reducing reliance on traditional distribution channels [2] Group 1: Mini-Program Features and Trends - The popularity of fund mini-programs is increasing, with companies like E Fund launching features that support comprehensive operations for index products, linking various sales channels [4] - The current trend in the industry shows a focus on more segmented positioning and enhanced trading functionalities to simplify the investment process for users [4][5] - Numerous fund companies have launched mini-programs to meet the diverse financial needs within the WeChat ecosystem, with services ranging from investment advice to real-time market updates [5] Group 2: Pilot Programs for Fund Sales - Several fund companies have received pilot qualifications to conduct fund sales through mini-programs, marking a significant step in the practical implementation of "selling funds via mini-programs" [7] - This development is seen as a way to reduce dependence on distribution channels and lower transaction costs for investors, as they can now purchase funds directly through mini-programs without incurring distribution fees [8] Group 3: Complementarity of Mini-Programs and Apps - The operational costs of developing and maintaining mini-programs are significantly lower than those of traditional apps, making them a more attractive option for fund companies [10] - For most fund companies, especially smaller ones, mini-programs represent a cost-effective solution, while larger firms may adopt a dual approach, using both mini-programs for light engagement and apps for deeper service [10][11] - Mini-programs are viewed as complementary to existing apps, providing quick access and transaction capabilities, while apps offer more comprehensive features and services [11]

（原标题：易方达重磅出手！又一热潮来了？） 【导读】公募小程序热度再起，未来发展或呈现分层格局 中国基金报记者 方丽 张燕北 触达更多投资者、轻量运维、提供多元化场景服务……微信小程序正成为基金公司服务用户的重要阵 地。 与此同时，部分基金公司获得试点资格，可通过小程序开展基金买卖业务。业内认为，此举既能降低基 金公司对代销渠道的依赖、减少投资者交易成本，也可为行业探索新销售路径提供实践样本。未来，小 程序将与App形成互补，实现分层化布局。 两大特征凸显 多元类型覆盖 根据证监会近期发布的《公开募集证券投资基金销售费用管理规定（征求意见稿）》，基金管理人销售 其管理的基金，不得收取认（申）购费、销售服务费。相关规定开始执行后，投资者通过小程序直销， 申购费率为零。 博时基金表示，基金公司积极开拓小程序，是希望在不同场景下探索用户服务路径，形成提升用户体验 的产品化表达。 试点小程序销售基金 在基金公司小程序功能"多点开花"的当下，行业迎来一项重要突破——多家基金公司获得试点资格，可 通过小程序开展基金买卖业务，这标志着"小程序卖基金"从规划走向实质落地。 事实上，基金公司此前已对小程序交易功能有所规划，但受 ...