大财富管理模式以“大客群”、“大平台”和“大生态”为抓手,旨在打通“财富管理-资产管理-投资银行”的价值链条。该模式有三个支撑:第一,以 MAU 为指引的持续不断线上引流;第二,以客户分层为基础的高净值客户的积累;第三,高净值客户不仅有个人需求、家庭需求,其背后也有企业需求,且注重隐私、偏向线上化。对公业务条线的存贷比逐年高于零售业务条线,零售贷款占比稳定。截至 1H22,公司贷款占比 38.8%...
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