The public offering is public day Hong fund, which is user centered and practise Inclusive Finance.


     In the 20 years, the public fund has become the mainstay and the important participant in the capital market, which has played an active role in the sustained and healthy development of China's economy, and has created a considerable return for the 600 million base people. According to China Securities Association data statistics, by the end of 2017, the number of public funds reached 4841, the management assets of nearly 11 trillion and 600 billion yuan, more than 340 million holders, a cumulative bonus of about 1 trillion and 700 billion yuan to the holders.

    The Celestica fund, which opened the era of Internet Finance and changed hundreds of millions of people's financial habits, is undoubtedly a typical model of public offering. According to the 2017 annual report data, the number of holders of public offerings of Tianhong fund exceeds 470 million, equivalent to 3 of every 10 Chinese people who are Celestica fund customers. In the stock, mixed, bond and currency four categories of fund holders TOP 10 list, 9 shares of Celestica fund are on the list.

     Public financial carnival for public 600 million people

     For a long time, the public fund has been insisting on serving the public, improving the wealth level of the residents and improving people's happiness with sound income. Looking back over the past 20 years, from the initial 2 funds to the current more than 5000 public fund products, there are nearly 10 thousand investment products, providing diversified investment options for the majority of investors. The total number of households in China's fund industry has doubled, and the total number of holders of public funds has exceeded 600 million by the end of 2017.

     Although the capital market has undergone many rounds of bull and bear transformation in the past 20 years, the public fund still plays the role of modern wealth management and Inclusive Finance, helping the public and all kinds of pension assets to maintain and increase value. According to the statistics of the Securities Association, the annual return rate of the partial fund has reached 16.5% at the end of 2017 by the end of the first open fund. The average increase of the Shanghai composite index is 10.5 percentage points over the same period, and the average annual yield of the bond fund is 7.2%, exceeding the current 3 year fixed deposit benchmark rate of 4.4 percentage points. At the same time, the fund management company is Trusteed to manage the basic pension, enterprise annuity, social security fund and other kinds of pension 1 trillion and 500 billion yuan. The market share of the investment managers in the pension territory is over 50%. In general, good income is achieved. In the case of social security fund, the annual rate of return is 8.4% from 2001 to 2016, and the rate of return in 2017 is about 9%.

     The Tianhong fund, "providing a steady and convenient financial service for the world", has succeeded in sinking financial services to a large number of ordinary users, and is still actively practicing the services of Inclusive Finance. As the largest number of domestic customer service fund companies, the number of users of Tianhong fund has exceeded 470 million, and the user range has spread over a number of provinces and municipalities in the country, of which 100 million are from the rural areas. By the end of 2017, Celestica fund has earned more than 120 billion profit for customers.

     WIND statistics, by the end of 2017, the stock fund, Tianhong Shanghai and Shenzhen 300 holders account for more than 1 million 760 thousand, ranking top of the same category; in addition, Tianhong GEM board A and Tianhong certificate holders account for the number of holders of the top ten. In the hybrid fund, Tianhong Ankang pension and Tianhong Yongding growth holders have a number of top two holders, the former holders of nearly a million, the bond fund, Tianhong Yongli B and Tianhong Tianli holders in the first five of the same category, the Tianhong balance treasure and the Tianhong cloud merchants are also in the top ten of the monetary fund holders, holding the first ten, holding The number of people is over 478 million.

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     Practice Pratt and whiteshihong fund in action

     When the public fund industry took advantage of the Internet Financial Dongfeng benefit hundreds of millions of people, the fund holder structure is also more and more young state. People in the industry have made a detailed analysis of the age structure, financial structure and other characteristics of the Internet channel customers. The conclusions are the backbone of the post-90s and 85 future societies, and are more inclined to conduct fund transactions and other social activities on the Internet.

     Under this background, the traditional fund product development, marketing service, and even the model of investment management are difficult to adapt to the new requirements of the age of the whole people's financial management, and the intelligent investment will become a new wind and a new growth point for the public fund. In the view of Zhou Xiaoming, deputy general manager of Tianhong fund, online investment refers to the pattern and product of investment consultant service based on the products of public fund and combination strategy and other new technologies such as e-commerce technology and large data technology.

     To this end, Tianhong fund has launched a relatively full range of industry coverage and low rate of the Tianhong easy treasure series index fund, providing a very convenient and clear bottom tool pool for the smart business, and launched a basket and wind basket based on its own strategy.

     Tianhong fund is actively using large data, cloud computing, artificial intelligence and other technologies to depict customer behavior and needs, improve customer experience, reduce operating costs, and constantly improve investment and research capabilities. It is also the first to set up an intelligent investment department in the industry. It is responsible for asset allocation, large data research, index fund and FOF investment research and so on. It is committed to combining artificial intelligence with traditional investment research to build a new investment research capability.

     As the most Internet spirit fund company in China, the leading financial science and technology capability provides extensive backstage support for the development of Tianhong fund, which has solved many painful points in the process of financial services through the use of big data, cloud computing, artificial intelligence and other advanced technologies. For example, Tianhong cloud direct selling system can support hundreds of millions of users, and can handle hundreds of millions of transactions a day. Efficient business processing and data capacity become the basic premise of serving mass customers.

     Xiao Zhigang, chief investment officer of Tianhong fund and Tianhong Yongding growth fund manager, believes that the "public" of public fund managers is for the public. So in the era of Internet, fund managers must join the Internet and accept supervision from the public. "Direct communication with customers is of great value to me. I can know every different investor's idea and help me better grasp the psychology of retail investors. The ant wealth community is a good social test and observation window, and although it takes some time to manage, my fragmentation time is used to communicate with users in the community, and even a good relationship with many users who have established old friends. " Now Xiao Zhigang has become the net red fund manager of the ant wealth community, which has gained 22

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