息差收窄如何破局，中小银行如何突围，买方投顾如何升级这场金融年会给出答案

Core Insights - The annual conference focused on how the Chinese financial industry can reshape its development logic in a low-interest-rate environment, emphasizing the need for transformation and innovation [1][2][3] Group 1: Key Themes from the Conference - The theme of the conference was "Resilience and Breakthrough: A New Chapter in Intelligence," highlighting the challenges and opportunities in the current financial landscape [1] - Keynote speakers discussed the importance of risk management and the shift towards high-risk asset allocation due to narrowing interest margins [2][3] - The conference featured a roundtable discussion on the transformation of small and medium-sized financial institutions, emphasizing the need for precise strategies and customer-centric services [8][9] Group 2: Insights on Wealth Management - The "2025 Wealth Management Market Report" was released, indicating a recovery in market confidence and risk appetite, leading to increased demand for diversified and professional asset allocation [5][6] - The report highlighted a shift from limited product offerings to comprehensive, customized solutions, and from single-channel approaches to ecosystem-based service models [6][7] - AI technology is expected to play a crucial role in upgrading advisory services, enhancing personalization and service quality [7] Group 3: Challenges and Strategies for Financial Institutions - The narrowing interest margin has reduced the funding cost gap between small and medium banks and larger banks, providing more competitive pricing opportunities [3] - Institutions are focusing on digital transformation and innovative service models to adapt to the low-interest-rate environment and increasing competition [9][11] - Emphasis on leveraging AI and data intelligence to improve customer acquisition and operational efficiency, moving away from traditional mass marketing strategies [11]