"今日买入，明日起息""节前出手早，玩 '赚'假期不打烊""节前巧布局，假期更无忧"……距离"十一"长 假仅剩两天，贝壳财经记者发现，多家银行理财公司发布了"节前理财攻略"，吸引投资者在节前将资金 购入理财产品，以确保在8天的长假期间财富"不打烊"。 贝壳财经记者了解到，大部分理财公司发布的攻略中，主要包括了现金管理类产品和日开产品，部分 T+1的产品需要于9月29日收盘前购入，可在9月30日确认并在8天小长假中赢得收益。另有部分日开产 品最晚可于9月30日购入，亦可在假期享受收益。 有业内人士指出，节假日是银行理财传统的营销时节，今年又恰逢银行存款"搬家"热兴起，越来越多的 银行存款转移至银行理财、基金股票等领域。因此，今年银行理财公司更需加大力度来吸引更多资金和 投资者，以抢占市场。 十一专项理财产品普遍风险低、流动性较好 临近十一长假，工银理财、交银理财、平安理财、招银理财、民生理财、徽银理财等多家银行理财公司 发布了十一假期前的理财"攻略"。 据贝壳财经记者不完全统计，招银理财、民生理财、平安理财等多家银行理财公司均在今日开设了夜市 专场，在24:00之前购买指定的理财产品，均可在国庆假期计息。 如招 ...

Core Insights - The banking wealth management industry is undergoing significant changes, with a clear shift in market leadership towards more market-oriented joint-stock banks, leading to a pronounced Matthew effect [1] - Xingyin Wealth Management has consistently ranked among the top players in the industry, being recognized in the "2025 Global Asset Management 500" list, currently positioned 90th globally and 8th in China [1] - The company emphasizes a transition from resource-driven growth to capability-driven growth, focusing on enhancing adaptability through ecosystem collaboration, product system restructuring, and multi-asset strategy platform development [1][4] Industry Development - The wealth management industry is transitioning from a focus on real estate and government platforms to a new triangle of technology, industry, and finance, facilitating a shift in residents' wealth allocation towards financial assets [5] - The industry is moving towards standardization, regulation, and transparency, which supports the growth of residents' property income and meets the direct financing needs of the real economy [5] Strategic Positioning - Xingyin Wealth Management's strategic development is guided by a "365" transformation strategy, focusing on suitability, marketability, and adaptability, while implementing six major restructurings and five capability enhancements [4] - The company aims to build a first-class asset management institution, with a clear understanding of industry development logic and future strategic positioning [4] Capability Building - The company plans to enhance its capabilities in four key areas: customer demand insight and product innovation, large asset allocation management and multi-strategy application, customer service system construction, and digital transformation with AI [6][7] - The focus on customer needs requires a shift from fixed income to multi-asset strategies, optimizing customer experience and creating value [6] Product Innovation - Product innovation is essential for the company, with a focus on aligning product creation with customer needs and ensuring effective lifecycle management [8] - The company has developed a product blueprint "8+3" and has successfully launched several product lines that cater to varying customer demands, emphasizing sustainable income generation [9][10] Channel Development - Xingyin Wealth Management has established a comprehensive channel coverage and is focused on deepening collaboration with banks to enhance the effectiveness of wealth management services [12] - The company recognizes the importance of adapting to regulatory changes and market dynamics to ensure effective customer engagement and product delivery [12][13] Research and Investment Framework - The investment research framework of Xingyin Wealth Management is structured around a "234N" model, emphasizing both self-directed and outsourced investment strategies [15] - The company is enhancing its research capabilities by establishing agile teams and promoting collaboration across departments to improve decision-making and investment performance [17][18]