国家金融与发展实验室副主任杨涛：借助技术之力提升财富管理普惠性

Core Viewpoint - The wealth management industry is shifting focus from high-net-worth clients to inclusive financial services for lower-income and long-tail populations, emphasizing the importance of technology and collaborative ecosystems in enhancing service delivery and efficiency [3][4][6]. Group 1: Inclusive Financial Services - Wealth management should prioritize inclusive financial services, targeting middle and low-income individuals and small business owners to enhance their financial management capabilities [3][6][7]. - The growth of residents' property income has been sluggish, and enhancing wealth management can effectively increase this income, contributing to consumption and domestic demand [3][7]. - The industry must transition from serving primarily high-net-worth individuals to providing effective and inclusive wealth management services for a broader demographic [3][7][8]. Group 2: Collaborative Ecosystem - The wealth management sector needs to establish a collaborative ecosystem, moving from isolated efforts to cooperative strategies that meet diverse client needs [3][8][9]. - A well-designed ecosystem can facilitate the provision of comprehensive, multi-faceted services throughout clients' financial lifecycles [3][8][9]. Group 3: Technological Impact - Technological advancements are crucial for improving service efficiency and reducing costs in wealth management, enabling the industry to serve a wider range of clients [4][9][10]. - New technologies can help address information asymmetry, allowing wealth management firms to better understand and serve their clients [4][9][10]. - The industry must leverage digital tools to enhance the precision of service offerings, ensuring that the right products are matched with the right clients [9][10][11]. Group 4: Regulatory Considerations - Regulatory bodies must balance innovation and risk management in the wealth management sector, focusing on identifying and managing risks associated with new technologies [12][13][14]. - Enhancing regulatory capabilities through technology and skilled personnel is essential for effective oversight of the evolving wealth management landscape [15][16]. Group 5: Future Directions - The future of wealth management will involve lowering barriers to entry, allowing more individuals, especially those with lower incomes, to participate in wealth management activities [17][18]. - There will be a need for precise matching of financial products to diverse client needs, leading to a potential shift towards diversified and fragmented wealth management solutions [17][18]. - The industry must ensure that wealth management serves multiple functions, integrating investment, consumption, and financial planning to meet the dynamic needs of clients [17][18].