随着中国公募基金规模的不断扩容，"投前热、投后冷"一直是困扰财富管理行业的难题。对于 投资者而言，持有基金数量多、分布散、底仓不清，账户往往成了一本"糊涂账"。 如何为投资者提供全面、深度的账户诊断，厘清基金投资？ 近日， 国信证券联合晨星资讯重磅推出"鑫智诊"全账户基金诊断工具 ，标志着双方在探索"以 投资者为中心"的服务模式上迈出了关键一步。 01 直击痛点： 从 "单只基金" 到 "全账户视角" 传统的基金诊断往往局限于单只产品的业绩回顾，难以从整体账户层面评估风险与配置的合理 性，此次上线的"鑫智诊"，有效解决了账户分析难题。 全账户持仓一键汇总： 针对投资者持仓分散的痛点，"鑫智诊"除支持自主录入外，更 支持导入E账户文件 ，帮助投资者更为便利、准确地汇总其在全市场的公募基金持仓， 实现个人基金资产的全面梳理。 底层标的穿透式分析： 依托晨星全球数据库，"鑫智诊"工具能够识别并穿透用户持仓 的底层标的，而非仅依据基金分类进行简单加总。大类资产分布、区域分布、行业分 布、股票风格分布、债券类型分布、相关度分析、账户综合费用……都能基于底层资 产数据进行精准分析。 02 晨星投顾解决方案专业赋能 区别于 ...

Core Viewpoint - The launch of the "Xin Zhi Zhen" full-account fund diagnosis tool by Guosen Securities in collaboration with Morningstar marks a significant breakthrough in the post-sale service sector of public funds, aiming to assist investors in their fund investments [1][3]. Group 1: Investor-Centric Approach - Guosen Securities and Morningstar are jointly exploring new models for post-sale services in public funds, focusing on investor needs and leveraging innovative tools and professional teams [3]. - Guosen Securities is a large national comprehensive securities company with over 10,000 employees, excelling in client service capabilities and holding qualifications for public fund advisory services [3]. Group 2: Features of "Xin Zhi Zhen" - "Xin Zhi Zhen" addresses investor issues by allowing the import of E-account files for more accurate and convenient holding information retrieval [5]. - The tool provides a comprehensive analysis of user holdings, utilizing a unified global stock industry classification system for consistent categorization and evaluation [6]. Group 3: Comprehensive Service System - Participants in the "Xin Zhi Zhen" service receive an account diagnosis report and have the opportunity to access designated fund advisory services from Guosen Securities, tailored for public fund investors [7]. - The service combines online and offline approaches to create a more complete post-sale service system for public funds, enhancing the overall investor experience [7].

Core Viewpoint - Guosen Securities has launched the "Xinzhi Diagnosis" full-account fund diagnosis tool in collaboration with Morningstar, marking a significant breakthrough in the post-sale service of public funds, aimed at assisting investors in their fund investments [1][3]. Group 1: Investor-Centric Approach - The collaboration between Guosen Securities and Morningstar aims to explore new models for post-sale services in public funds, focusing on investor needs [2]. - Guosen Securities is a large national comprehensive securities company with over 10,000 employees, excelling in client service capabilities and holding pilot qualifications for public fund advisory services [2]. Group 2: Features of "Xinzhi Diagnosis" - "Xinzhi Diagnosis" allows for the import of E-account files, making it easier and more accurate for investors to access their holding information [4]. - The tool provides a comprehensive account diagnosis report that penetrates user holdings at a deeper level, utilizing Morningstar's global stock industry classification system for consistent analysis across different countries and regions [5]. Group 3: Service System and Support - Investors using "Xinzhi Diagnosis" not only receive a diagnosis report but also have the opportunity to access designated share advisory services from Guosen Securities' fund advisory brand, "Guosen Xinzhi Investment" [6]. - The service is designed to provide tailored support for public fund investors, combining online and offline resources to create a more comprehensive post-sale service system [6][7]. Group 4: Strategic Positioning - The launch of "Xinzhi Diagnosis" represents an important strategic move for Guosen Securities in the buy-side advisory service sector, aiming to provide systematic professional services to a broader range of public fund investors [7].