洞察理财客户需求 持续提升投资体验 "理财夜市"满足了广大客户的灵活理财交易时间需求，是中邮理财坚持"以客户为中心"的代表举措 之一，也是更好践行金融工作政治性、人民性的体现。中邮理财始终聚焦客群需求，致力于为投资者提 供多选择、全覆盖的理财投资解决方案，不断提升客户全流程的产品服务和场景体验水平。 中邮理财精准定位客群需求，根据细分客群针对性研发供求适配的产品，过去一年累计发行61只区 域定制产品，销售规模超250亿元，积极布局养老、教师、代发、新市民等细分理财产品领域。此外， 中邮理财以精细化客户服务为牵引，不断深化金融科技赋能，以体验创新驱动服务升级，协同母行在邮 储银行手机银行App先后上线了理财产品业绩比较基准测算依据、产品特色、理财到账日、同系列产品 历史业绩、产品热销榜单等功能，帮助客户降低决策难度，持续优化客户理财购买体验。 2024年以来，中邮理财产品规模快速稳健增长，截至3月末产品总规模超8660亿元，较年初增长近 12%。 上班太忙下班晚，没空打理钱袋子；工资入账有点晚，资金只能闲一天；产品赎回到账晚，次日收 益已下线资金要再"躺平"一天……有没有更灵活、更便捷的投资理财方式呢？针对理财 ...

【导读】招商基金原副总经理董方，获聘为招银理财总裁 中国基金报记者 刘明 银行理财 " 一哥 " 招银理财正式宣布，聘任董方为公司总裁。 6 月 27 日晚间， 2.36 万亿元管理规模的招银理财发布公告称，公司董事会审议通过了聘任 董方为公司总裁的议案。 招银理财总裁 董方 董方是 24 年的 " 老招行 " ，有着丰富的财富管理及资产管理行业积淀。履新招银理财之 前，董方为招商基金副总经理。业内人士表示，此次对董方而言，算是 " 升职 " 。 据了解，董方的加盟，有望深化招银理财以 " 固收 +" 为代表的全产品线布局，夯实招银理 财投资研究核心竞争力，加速招银理财向 " 全能型资管机构 " 的转型升级。 公开简历显示，董方是工商管理硕士，曾任职于深圳市赛格东方实业发展公司和交通银行深 圳分行。 2001 年 5 月起，董方任职于招商银行，曾任总行资产管理部（招银理财前身）副总经理、 总行财富管理部副总经理、总行财富平台部副总经理。 2023 年 8 月，董方加入招商基金， 曾任招商基金党委委员、副总经理、深圳分公司和成都分公司总经理。 据悉，董方作为招商系金融管理人员，深度参与了招商银行资管业务体系搭建 ...

Core Viewpoint - The article emphasizes the importance of financial innovation in bridging the value chain between the industrial and consumer sectors to drive high-quality economic development in China, especially during the current phase of economic transformation and structural adjustment [2][23]. Group 1: Current Economic Challenges - China's economy is facing multiple pressures, including the need for industrial transformation, structural employment issues, and insufficient consumer confidence, which are hindering the release of domestic consumption potential [2][3]. - Enterprises are under significant operational pressure due to rising costs and weak market demand, leading to declining profit margins, particularly in traditional manufacturing sectors [3]. - The employment market is experiencing structural challenges, with traditional jobs disappearing faster than new opportunities in emerging industries can be created, resulting in a mismatch in labor supply and demand [3]. Group 2: Consumer Income and Confidence - There is a noticeable downward pressure on household income, with wage growth slowing significantly, particularly for frontline employees in manufacturing and services [4]. - Fluctuations in financial markets have adversely affected property income, leading to a substantial impact on overall disposable income and consumer purchasing power [4]. - Consumer confidence remains low due to uncertainties in economic expectations and employment prospects, resulting in a tendency towards risk-averse savings and a decline in consumption willingness [4]. Group 3: Role of Commercial Banks - Commercial banks are encouraged to develop a collaborative mechanism between industrial finance and consumer finance to support the transformation of the real economy and stimulate market demand [5]. - By providing financial support to advanced manufacturing and strategic emerging industries, banks can enhance supply quality and create a virtuous cycle of "industrial upgrading creating supply—employment stability ensuring income—consumer finance releasing demand" [5][7]. - The integration of financial services into consumption scenarios and the provision of robust wealth management services are essential for stabilizing employment and increasing residents' income [5][8]. Group 4: Value of Industrial Finance - The value of industrial finance in expanding domestic demand and boosting consumption is multi-faceted, impacting supply-side optimization, demand-side enhancement, employment stability, and income growth [7]. - Supporting technological upgrades and product innovation through industrial finance can significantly improve the quality and efficiency of the supply system, thereby meeting the demands of consumption upgrades [7][10]. - Financial support for private enterprises, which are key to job creation, directly influences income levels and consumer capacity, enhancing overall consumption willingness [8]. Group 5: Practical Measures for Banks - Banks should focus on strategic emerging industries and advanced manufacturing by offering specialized loans and innovative financing products to support the development of products aligned with consumption upgrade trends [13][16]. - By designing differentiated financial products that cater to consumer scenarios and small business growth, banks can stimulate terminal consumption markets and create a positive cycle from "employment increase" to "consumption stimulation" [17][19]. - Wealth management services should be integrated with consumer finance to enhance residents' financial income and optimize consumption rights, thereby fostering a positive cycle from "income growth" to "consumption upgrade" [20][22].