专家共话2026财富管理新周期：结构重塑、科技赋能与生态共赢

Group 1: Core Insights - The annual conference hosted by JD Technology focused on the new economic cycle, financial landscape, and wealth management pathways in the context of the "14th Five-Year Plan" [1] - The wealth management industry is entering a high-quality development phase characterized by structural reshaping, professional refinement, and ecological co-creation [1] Group 2: Macro Trends and Technological Empowerment - The evolution of macro trends and technological waves is creating new development opportunities for the wealth management industry [2] - JD Technology emphasizes the importance of its ecosystem, with over 700 million annual active users, to provide rich scenarios and customer bases for wealth management [2] - AI technology, including the AI wealth manager "Jing Xiaobei," is being leveraged to reshape customer service models and enhance operational efficiency [2][3] Group 3: Industry Challenges and Strategic Directions - The direct financing market's importance is increasing, and the wealth management industry must adapt to the diversified asset allocation needs of residents [3] - The industry is facing challenges such as service gaps, insufficient buy-side advisory, and product homogeneity, necessitating a shift towards professional services and diversified product offerings [4] - The transition from asset management to wealth management requires a robust customer service system and technological support [5] Group 4: Asset Allocation and Ecological Co-Building - Investment experts highlighted three main asset allocation themes for the "14th Five-Year Plan" period: asset revaluation due to global monetary restructuring, long-term premiums in technology and high-end manufacturing, and the investment value of competitive Chinese multinational companies [6] - The gold market is evolving from a consumer product to a significant financial and strategic asset, emphasizing the need for a thoughtful investment approach [6] - In the field of pension finance, banks are encouraged to act as long-term planners and ecosystem integrators to meet diverse pension needs [6] Group 5: Future Outlook - By 2026, the wealth management industry will compete based on professional depth, ecological breadth, and technological speed, requiring higher standards for institutional capabilities and service models [7] - The industry must embrace a collaborative spirit and focus on asset exploration, customer service, and technology application to create a healthier and more prosperous wealth management future [7]