Core Insights - The article highlights a significant shift in the global capital market, characterized by the rise of Chinese technology companies leveraging policy advantages, technological equality, and industry chain integration, with AI technology driving industrial upgrades [1] - The traditional investment advisory model in China's fintech sector faces challenges in efficiency, personalization, and professionalism, revealing structural contradictions [1][2] Group 1: User Pain Points - The investment advisory industry in China suffers from two core pain points that hinder decision-making quality and market health [2] - The first pain point is information overload and difficulty in discerning truth from falsehood, leading ordinary investors into a "data fog" [3] - The second pain point is the knowledge gap and lack of a structured research framework, creating cognitive barriers for investors [4] Group 2: Innovative Solutions by Jiufang Zhitu - Jiufang Zhitu has introduced a "soft and hard combination" solution to redefine intelligent investment advisory services, launching the "Yizhi Gudao" stock learning machine with over 230 courses and 17,000 hours of content [4][5] - The company’s AI assistant, "Xiao Jiu," and the digital investment advisor "Jiu Ge" have served over 472,000 clients, demonstrating the integration of technology and personalized service [5] Group 3: Restructuring the Research Value Chain - Jiufang Zhitu's Jiufang Zhiyan platform aims to address the supply-demand disconnect in the investment research ecosystem by utilizing AI for intelligent data cleaning and generating user-friendly reports [6] - The company has invested approximately 319 million RMB in R&D in 2024, maintaining a stable R&D expense ratio above 10% since 2019 [7] Group 4: Technological Ecosystem Barriers - The competition in the investment advisory industry has evolved from a focus on single technological advantages to a systemic battle of "technology foundation × ecological strategy" [8] - Jiufang Zhitu has built a comprehensive traffic matrix across major platforms, supported by a research team that covers over 4,000 companies and 20+ industries [8][9] Group 5: Compliance and Risk Management - The company employs AI technology in its compliance and risk management platform, ensuring that all business activities adhere to regulations and enhancing operational efficiency [10] - Jiufang Zhitu's practices serve as a model for the industry, transitioning from "wild growth" to "refined cultivation" [10] Group 6: Conclusion - The evolution of China's fintech is marked by a shift from "traffic frenzy" to "value excavation," emphasizing the importance of the synergy between technological potential and business ecology [11] - The ultimate value of fintech lies in building a "human-machine collaboration" system, where AI handles information filtering and risk alerts, allowing human advisors to focus on emotional resonance and complex strategies [11]
AI重构投顾生态：九方智投控股(09636.HK)如何以技术引擎破解行业困局