Postal Savings Bank is set to launch a wholly-owned subsidiary, China Post Financial Assets Investment Co., Ltd., endowed with a registered capital of RMB 10 billion. This development marks a significant expansion, elevating the count of financial asset investment companies (AICs) owned by large state-owned banks to 9, collectively boasting a registered capital of approximately RMB 150 billion. AICs are evolving from mere debt-for-equity instruments into comprehensive investment platforms, representing a pivotal strategy for banks to bolster their overall returns. Nonetheless, AICs encounter three primary hurdles in advancing equity investments: Firstly, the conventional risk control framework exhibits a low tolerance for non-performing rates, thereby restricting leverage utilization and narrowing exit avenues; Secondly, there exists a misalignment between debt and equity funds in terms of maturity, returns, and compliance standards; Thirdly, the bank's compensation structure struggles to attract seasoned equity investment professionals. Industry experts propose addressing these challenges by focusing on three key areas: organizational restructuring, talent incentive schemes, and fostering external partnerships, to foster the sustainable growth of AICs.