Core Viewpoint - The article emphasizes the commitment of Bank of China Wealth Management to the path of financial development with Chinese characteristics, focusing on serving the economy, society, and sustainable development through innovative financial products and services [1]. Group 1: Financial Innovation and Support - The company has accumulated nearly 20 billion yuan in net assets and has issued products that have created absolute returns for clients [3]. - The focus on technology finance is highlighted as a key driver for economic transformation, with the central financial work conference placing it at the forefront of financial initiatives [4]. - Bank of China Wealth Management is enhancing financial support for advanced manufacturing, particularly in sectors like equipment manufacturing, green technology, and strategic emerging industries [5]. Group 2: Green Finance Initiatives - The company is actively promoting green finance to align with national carbon neutrality goals, developing a diversified green wealth management product system [9]. - Since launching the first "ESG Preferred" series product in 2021, the scale of ESG-themed products has rapidly grown, exceeding 70 billion yuan [10]. - The company has invested over 20 billion yuan in green-related bonds, demonstrating a strong commitment to sustainable investment [10]. Group 3: Inclusive Finance and Social Responsibility - The company prioritizes inclusive finance to enhance financial service coverage and efficiency, particularly in rural areas [13]. - Collaborating with the China Bond Financial Valuation Center, the company has developed a customized rural revitalization bond index to support rural development [14]. - The introduction of the "Love Charity" wealth management product reflects the company's commitment to social welfare and community development [15]. Group 4: Pension Finance Development - The company is addressing the aging population by innovating financial products for retirement, with a total pension finance product scale exceeding 50 billion yuan [19]. - The pension product offerings include a series of themed brands aimed at meeting diverse retirement needs [18]. - The company has launched multiple pension wealth management products across various distribution channels, ensuring broad market coverage [20]. Group 5: Digital Finance Transformation - The company is advancing its digital transformation in wealth management, aligning with national strategies for high-quality digital finance development [22]. - Investment in a new integrated asset management technology platform aims to enhance digital capabilities across various business areas [23]. - The implementation of a "data x AI+" strategy is underway to leverage data analytics and artificial intelligence for improved operational efficiency [25]. Group 6: Internationalization and Cross-Border Investment - The company supports high-level opening-up and contributes to national diplomatic and economic strategies by exploring offshore financial development [27]. - It has diversified its cross-border asset offerings, including investments in various international bonds and currencies [27]. - The establishment of over 123 distribution channels has facilitated significant sales growth, with over 500 billion yuan in non-Bank of China channel sales [29].

Core Viewpoint - The article highlights the six-year journey of China Bank Wealth Management, emphasizing its commitment to serving the economy and society through innovative financial products and services, while aligning with national goals such as green finance and technological innovation [2][31]. Group 1: Company Overview - China Bank Wealth Management was established in July 2019 as a wholly-owned subsidiary of China Bank, focusing on public and private wealth management products, advisory services, and asset management [1]. - The company has accumulated a product management scale of nearly 20 billion yuan and has served over 4,000 clients, generating absolute returns of 2 billion yuan for its customers [3]. Group 2: Technological and Financial Innovation - The company is actively enhancing its financial support for advanced manufacturing and strategic emerging industries, focusing on sectors like equipment manufacturing, green technology, and new materials [5]. - During the 14th Five-Year Plan period, the company has invested over 20 billion yuan to meet the financial needs of technology-driven enterprises [6]. - The company is also seizing opportunities in the bond market for technology innovation, supporting the issuance of technology innovation bonds [7]. Group 3: Green Finance Initiatives - China Bank Wealth Management is committed to the national "dual carbon" goals, integrating ESG principles into its investment strategies and developing a diversified green wealth management product system [9][10]. - The company has launched its first "ESG Preferred" series product in 2021, with the scale of ESG-themed products exceeding 70 billion yuan [10]. Group 4: Inclusive Finance and Social Responsibility - The company emphasizes inclusive finance as a means to enhance financial service efficiency and accessibility, particularly in rural areas, and has developed products tailored to support rural revitalization [13][14]. - It has also introduced "Love Charity" wealth management products to promote social harmony and support public welfare initiatives [15]. Group 5: Pension Finance - The company is addressing the aging population by innovating financial products for retirement, with a total pension finance product scale exceeding 50 billion yuan [19]. - It has launched multiple pension-themed brands and products to meet diverse retirement investment needs [18]. Group 6: Digital Transformation - The company is advancing its digital transformation in wealth management, aligning with national strategies for high-quality digital finance development [22]. - It is building a leading digital infrastructure to enhance operational efficiency and customer engagement [23][25]. Group 7: International Expansion - The company supports high-level foreign trade and economic strategies, exploring offshore financial development and diversifying its cross-border asset offerings [27]. - It has established over 123 distribution channels, with non-China Bank channel sales exceeding 500 billion yuan [29].

在投资端，中银理财构建了"固收+衍生品"的多元策略组合，以ESG为核心风控工具，实现风险规避与 收益提升的双重目标。 传统金融定价侧重财务指标，而ESG将环境（E）、社会（S）、治理（G）纳入评估体系。中银理财从 产品策略、投资、风控等方面进行多方位优化设计，确保在投资管理的各个环节都能充分考虑ESG因 素，并持续强化其在投前、投中、投后的全流程应用。 产品创新：从单点突破到生态构建 绿色理财是一种综合考量资源有限性、社会效益、环境保护与生态平衡以及企业盈利的理财模式。近年 来，随着全球对气候变化问题的重视程度不断提升，绿色理财市场呈现出蓬勃发展的态势。政策层面， 各国政府纷纷出台鼓励绿色金融发展的政策，搭建起绿色金融制度的"四梁八柱"。早在2022年，中银理 财便制定绿色金融相关规划，从业务发展、风险管理、碳运营等七大维度系统布局。其中，"ESG优 享"系列产品作为立足负责任投资领域设立的专属产品品牌，有效引导理财资金投向ESG表现较好的企 业。截至2024年末，ESG主题产品存续规模超700亿元。 2025年2月，《银行业保险业绿色金融高质量发展实施方案》明确要求银行理财子开发绿色主题产品， 而中银理财早 ...