发挥机器人投顾服务更大作用

Core Insights - The integration of "Artificial Intelligence+" in financial services is significantly transforming the industry, with major banks increasing their investments in fintech for 2024 [1] - The robot-advisory sector is emerging as a key area of focus, offering algorithm-based investment solutions without the need for human advisors [1] Investment in Fintech - Major Chinese banks have reported substantial investments in fintech for 2024: Industrial and Commercial Bank of China (ICBC) at 28.518 billion yuan, Agricultural Bank of China at 24.97 billion yuan, Bank of China at 23.809 billion yuan, China Construction Bank at 24.433 billion yuan, and Bank of Communications at 11.433 billion yuan [1] Challenges in Robot-Advisory - The robot-advisory industry in China is still in its infancy, facing challenges such as the difficulty in obtaining comprehensive user financial information, leading to potentially misleading advice [2] - Many robot-advisors prioritize product sales over providing quality advisory services, which can result in unsuitable financial products being recommended to users [2] - There is a significant gap in utilizing existing big data to develop effective AI models for investment decision-making, primarily due to a shortage of talent who understand both finance and AI [2] Recommendations for Development - Collaborative efforts between government and enterprises are essential to promote high-quality development in the robot-advisory sector [3] - The government can implement a "regulatory sandbox" model to encourage the growth of robot-advisory services, supporting both large companies and capable small and medium enterprises [3] - Enterprises should refocus on delivering quality robot-advisory services rather than merely selling products, addressing user pain points in investment decision-making [3] Data Collection and Talent Development - There is a need for effective data aggregation solutions that respect user privacy, enabling robot-advisory firms to access accurate financial information [4] - Policies should be established to facilitate data sharing among financial institutions, potentially utilizing blockchain technology to protect user privacy while allowing data exchange [4] - Encouraging the development of interdisciplinary talent in finance and AI through educational institutions is crucial for the advancement of the robot-advisory industry [4]