专家：金融体系加速从规模扩张转向质量提升 智能体AI将重塑金融服务模式

Core Insights - The 10th New Finance Forum held in Beijing focused on the new challenges and opportunities in the "14th Five-Year Plan" for the economy and finance, emphasizing the transition from scale expansion to quality improvement in the financial system and the application of AI in finance [1] Group 1: "14th Five-Year Plan" Development Framework - The three main lines of the "14th Five-Year Plan" include promoting high-quality development, prioritizing people-centered approaches for comprehensive development and common prosperity, and ensuring coordinated development and security amidst international challenges [2] - The development of pension finance is crucial for the elderly's future living security, with expectations for a mature basic pension insurance system and an optimized multi-level pension structure during the "14th Five-Year Plan" period [2] - The achievements during the "13th Five-Year Plan" have laid a solid foundation for realizing socialist modernization by 2035, emphasizing the need for high-quality development to counter international uncertainties [2] Group 2: Enhancing Financial System Quality and Efficiency - Recommendations for financial system transformation include focusing on core business, optimizing financing structures, supporting new productive forces, encouraging direct financing by commercial banks, and developing corporate bond markets [3] - The path for Chinese financial development requires adherence to four principles: party leadership, commitment to fundamental purposes, a steadfast theme, and cultural cultivation [3] - The capital market is being positioned as a key facilitator for technological innovation and national strategic implementation, with insurance funds increasingly supporting equity investments [3] Group 3: Technological Empowerment in Financial Services - AI has evolved from generative AI to intelligent agent AI, capable of collaborative and autonomous task completion, with VISA proposing a smart business framework that includes personalized services while protecting user privacy [4] - Innovation in service trade can be enhanced through national strategic guidance, leveraging financial power to create new growth engines, and building an innovative investment and financing ecosystem through collaborative efforts [4]