杨涛：财富管理是普惠金融的首要突破方向

Core Insights - Wealth management is identified as a primary breakthrough direction for inclusive finance in China, with current household property income being relatively low and concentrated in deposits and fixed income products, showing significant disparity compared to Western countries [1][4] - The core value of digital transformation is to break the limitations of the traditional "80/20 rule" in wealth management, enabling middle-class, low-income groups, and long-tail populations to access quality, low-cost financial services, thereby enhancing household property income and contributing to domestic demand and internal circulation [1][4] - The importance of "ecological synergy" in industry ecosystem construction is emphasized, as many participants in the wealth management sector operate in isolation, failing to create a diversified service system for the entire customer lifecycle [1][4] Technology Empowerment - The core role of digitalization is highlighted as "cost reduction and efficiency enhancement" and "precise matching," where the application of AI and big data can significantly lower service costs and expand service reach while addressing information asymmetry [2][5] - Technology is seen as a means to promote precise matching of supply and demand in wealth management, shifting from a one-sided innovation model to a system where "suitable products are matched to suitable customers in suitable ways," thereby enhancing customer patience and improving industry sustainability [2][5]