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class=\"wp-block-heading\">\u7ffb\u8bd1\uff1a<\/h2>\n\n\n\n<p>In August 2001, he joined Huaxia Fund Management Co., LTD., and served as deputy general manager, general manager of Fund Marketing Department, marketing director and marketing Director of Huaxia Fund Management Co., LTD., and executive director and general manager of Shanghai Huaxia Wealth Investment Management Co., LTD.<\/p>\n\n\n\n<p>Yimei Li holds a Master&#8217;s degree in Public Policy from Harvard University . And a Master&#8217;s degree in Economics from Renmin University of China. She is also a Chartered Financial Analyst (CFA).<\/p>\n\n\n\n<p>McKinsey: Looking ahead to 2030, what do you think are the major development opportunities that could contribute to significant net inflows to Chinese asset management institutions or bring about a fundamental shift in the industry&#8217;s business model?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Li Yimei: Looking ahead, there are three key opportunities for Chinese asset management institutions:<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">First, the high-quality development of China&#8217;s asset management market.<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/h4>\n\n\n\n<p>Asset management institutions are rooted in the capital market, and if there is no fertile soil, no matter what is planted, the fruit may not be satisfactory. The basis for practicing long-term investment is a good enterprise with long-term investment value, and the birth and growth of a good enterprise cannot be separated from a good market ecology. From the launch of the science and technology innovation board.  <\/p>\n\n\n\n<p>The landing of the GEM registration system, to the formal implementation of the comprehensive registration system reform, as well as the place of regulatory penalties, information disclosure and the improvement of the accountability system of intermediaries, etc., the domestic capital market is moving forward on the track of sound development, and the &#8220;land&#8221; is constantly fertile, which has laid an important foundation for the development of asset management and wealth management business.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Second, market integration and opening up.<\/h4>\n\n\n\n<p>Referring to the world&#8217;s leading practice, the truly influential overseas asset management companies, whether it is the investment side or the wealth side, can not only based on the local market. From the perspective of the development of the mainland market, whether it is the launch of GDR, the continuous deepening of ETF connectivity, Hong Kong stock Connect.  <\/p>\n\n\n\n<p>And the reform of the QFII system.  All mark the steady improvement of the integration of the mainland market and overseas market. In the medium and long term, integration and opening-up will also be reflected in the process of RMB internationalization. With the increase of overseas RMB holdings, it is bound to awaken the demand for RMB investment, which will also be an opportunity for domestic asset management institutions to seize.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The third is the implementation of personal pension accounts.<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/h4>\n\n\n\n<p>On November 28, 2022, the personal pension business based on personal accounts and national tax deferral was officially launched, which is an opportunity that the whole industry has been eagerly looking forward to, and will also be the core driver for changing the asset management and wealth management business. <\/p>\n\n\n\n<p>Although the opening of the personal pension business will not be converted into scale immediately, in the long run.  It will be an intergenerational opportunity for Chinese asset management institutions. From the perspective of accounts, rather than just a single product perspective to look at the elderly, at the same time, different financial instruments can be applied to the account configuration, such a new business model has a profound impact on the shape of the industry.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What do you think are the key actions that asset management institutions need to take to capture the opportunities presented by China&#8217;s personal pension system?<\/h3>\n\n\n\n<p><strong>Li Yimei: <\/strong>China AMC has always attached great importance to the pension business strategically, and has made many preparations for seizing the pension opportunities over the years:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">In terms of products, the comprehensive layout of pension target fund product line, including target date and target risk.<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/h4>\n\n\n\n<p>Since the first pension target fund was approved in 2018, the company has established a number of products. Among them, the target date fund can adapt to the different risk-return requirements and volatility requirements of the retirement population of different ages. Target risk fund layout of &#8220;conservative&#8221;, &#8220;stable&#8221;, &#8220;balanced&#8221; and other different risk attributes of the product, more fully adapt to the investment needs of different investors.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">In terms of investor education, it cultivates and awakens investors&#8217; awareness of pension investment through diversified means.<\/h4>\n\n\n\n<p>Continue to carry out pension investment and education in all possible ways and channels to reach investors, including shooting pension micro films, making investment and education videos, launching pension calculators, pension science popularization long maps, pension mini programs, etc., and establishing pension bases and initiating pension planning on Internet platforms.<\/p>\n\n\n\n<p> In addition, China AMC also invited industry experts to hold a pension summit forum, invited well-known doctors and head Kols in many fields to serve as pension awakening officers, and passed on the concept of pension planning as early as possible to the society through industry experts, hoping to let young people know more about the necessity of pension investment, and let elderly customers near retirement understand that retirement is not the end of investment. There is still room for wealth growth after retirement.<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">In terms of customer service.  We rely on the second pillar of pension to test the water of personal pension financial services.<\/h4>\n\n\n\n<p>Although it is currently unable to realize the flexible conversion of the second and third pillars of pension, China AMC is actively leveraging the customer service experience and customer trust established in the second pillar of pension annuity business, further expanding the service capability of end customers, and developing and embedding the enterprise version of personal pension service area in the enterprise APP of an institution.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">In terms of elderly care ecology, we actively participate in the ecological construction of the elderly care industry.<\/h4>\n\n\n\n<p>At present, asset management institutions need to complete the transformation from pension financial product manager to pension financial account manager. In the future, it is more necessary to play the role of chief planner of customers&#8217; pension finance.  Provide full-life pension financial solutions.  Take &#8220;planning&#8221; as the core.  <\/p>\n\n\n\n<p>And derive and radiate customer service, personal pension investment consultant, pension investment management and other related businesses based on customers&#8217; pension financial planning. Therefore, the final pension business is a complete business ecology, and all kinds of pension management institutions are win-win and all-win, and they complement each other while competing, and provide customers with comprehensive and feasible pension solutions through complementary advantages.<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What structural, medium . And long-term challenges do you see facing Chinese asset management institutions that need to be addressed collectively by the industry?<\/h2>\n\n\n\n<p><strong>Li Yimei: <\/strong>The challenges are mainly reflected in three aspects: customer, technology and people:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The first challenge is customers, both retail and institutional, who have changed a lot over the years.<\/h4>\n\n\n\n<p>From the perspective of retail customers, the impact of the net worth reform brought about by the new asset management regulations has not yet been truly transmitted to the level of customer cognition, and the expectation of most customers to invest and finance is still &#8220;capital preservation&#8221;, but &#8220;capital preservation&#8221; is an impossible task for public funds. Therefore, on the way forward, how to improve the cognition of customers (especially the original bank financial customers) . And transform to true net worth is a big challenge at the retail customer level. <\/p>\n\n\n\n<p>At the institutional customer level, the performance of retail customers for the just-broken cash will also be transmitted to institutional investors (such as the redemption of bank finance), which will have a greater impact on the industry and asset management institutions. Therefore, in the future, as an asset management company, how to align with customers.  Meet customer needs in the way of configuration and transaction differentiation.  And influence customer behavior is also a big challenge.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The second challenge is technology.<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/h4>\n\n\n\n<p>Every technological innovation creates huge possibilities, including the way transactions are structured, the way they are analyzed, and the way they interact with customers. In terms of future scientific and technological progress, it will be a challenge for asset management institutions to follow or even ride the wave of scientific and technological innovation.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The third challenge is people.<\/h4>\n\n\n\n<p>The asset management industry is essentially a competition for human resources.  And each wave of market opportunities is accompanied by the ups and downs of star fund managers. Therefore, how to establish a stable core competitiveness in the field of talent is an important challenge for asset management institutions.<\/p>\n\n\n\n<p> At present, all kinds of asset management subjects, as well as foreign institutions have joined the talent competition, and the talent competition is more fierce for head fund companies. On the other hand, asset management institutions need differentiated talents for different businesses. For example, the talent demand structure of public REITs business is completely different from that of traditional talents, and how to accommodate and store differentiated talents is also a big challenge.<\/p>\n\n\n\n<p>McKinsey: The client-side challenge you mentioned is mainly due to the maturity of clients. In the Chinese market, it is difficult for fund companies to reach clients directly. How do you think you can really get close to customers and cooperate with the channel side?<\/p>\n\n\n\n<p>Li Yimei: In the past few years, Internet platforms have provided fund companies with a direct-to-client interface; Recently, various large banks and brokerages have also established online open wealth platforms, so that fund companies can reach customers at the front end.<\/p>\n\n\n\n<p> And the channel ecological cycle is good. In response to this change in business format, China AMC has established a digital marketing center to cooperate with channels to jointly optimize services, including the construction of end customer label system, marketing language customization, and service professionalism improvement.<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">In order to stand out in the competitive landscape, what core characteristics do you think the next generation of managers need to have?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Li Yimei: One is specialization.<\/h4>\n\n\n\n<p>It is specifically reflected in four platforms. First, it is a versatile platform with multiple assets, which can discover major types of assets according to changes in the market environment, and create products by refining the precision and granularity to dig profits. The second is the service platform for the whole life cycle of customers, including understanding the needs of customers in different life stages and assisting customers in planning and configuration. <\/p>\n\n\n\n<p> The third is the industrial investment and research platform, so that the system does not rely on a specific person, but depends on the platform, collective intelligence. Fourth, the human resources platform, through the platform to carry out talent identification, cultivation and inheritance, so that talents and the company grow together.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The second is digitalization.<\/h4>\n\n\n\n<p>On the one hand, it is empowering, such as investment research, marketing services, operations and other aspects through digital means from paper to electronic, automated; On the other side is innovation, such as the use of AI, machine learning and other technologies to break and extend business boundaries.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Third, internationalization.<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-white-color\">CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/h4>\n\n\n\n<p>Asset management institutions need to establish a global vision, conduct global research, achieve global allocation, and provide global services. As a Chinese asset management company, while developing internationalization, it should adhere to China and serve the cross-border needs of Chinese customers to invest in the global market and global customers to invest in the Chinese market.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The fourth is ESG.<\/h4>\n\n\n\n<p>The first is to participate in standard setting: ESG standards are somewhat similar to indices, and some changes can have a big impact on capital flows. China, as the world&#8217;s second largest economy, needs to take responsibility for participating in and influencing the standard-setting process to reach consensus on a common language; Second, the combination of international standards and China&#8217;s practice needs, investment targets need to really create long-term value for the Chinese people to create a better future, not &#8220;sit on the road&#8221;, to show China&#8217;s practice on the world stage; Third, the gold field of ESG investment is in China, and China is very determined in the use and promotion of new energy, and a large number of investment opportunities in energy technologies such as light energy, wind energy, and nuclear fusion energy will be in China in the future.<\/p>\n\n\n\n<p class=\"has-text-align-center has-cyan-bluish-gray-color has-text-color has-small-font-size\">\u672c\u6587\u7531<a href=\"http:\/\/cxounion.cn\">CXO 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