汇正财经CTO任琛直指行业变革本质："证券服务已从1.0人工时代、2.0数字化时代，迈入AI驱动的 3.0超脑时代，核心是从'千人一案'到'千人千策'的认知升级，是从'单点服务'到'全生命周期陪伴'的价值 重构。" 谈及未来发展，任琛表示，汇正财经将以此次获奖为契机，持续深耕"以人为本"的智能金融服务， 不断迭代AI技术应用与产品体系，让超脑服务惠及更多投资者。同时，公司将积极响应行业号召，与 各界同仁深化合作，共同探索金融科技创新边界，为金融科技赋能实体经济注入更强劲的动力。 此次双奖加冕，是汇正财经金融科技实力的一次集中展现，更是公司迈向智能金融新征程的全新起 点。未来，汇正财经将继续以合规为底线、以创新为引擎，在证券投顾领域持续深耕，为投资者创造更 优质的服务体验，为金融科技行业的高质量发展贡献更大力量！ 11月21日，第六届长三角金融科技创新与应用全球大赛总决赛在上海落幕，上海汇正财经顾问有限 公司凭"河图经略智能投教""上市公司基因图谱"两大项目，一举斩获"2025年度金融科技・金融机构最 佳创新奖""2025年度AI应用优秀奖"双奖。活动现场，汇正财经CTO任琛以核心研发者视角，深度解读 公司AI ...

中经记者 慈玉鹏 北京报道 Wind数据显示，截至11月21日，有4只混合类理财产品近6个月回报率超过20%；17只混合类理财产品近 6个月回报率超过15%。其中，部分混合类理财产品近6个月回报率甚至接近40%。同时，该类理财产品 市场规模也在扩大。 《中国经营报》记者采访了解到，混合类产品凭借较高的收益潜力和良好的风险分散优势，逐渐成为投 资者和机构重点关注的对象。理财机构应进一步推动多元化资产配置与产品创新，提高产品灵活性以满 足差异化需求。 混合类理财升温 （编辑：杨井鑫 审核：何莎莎 校对：颜京宁） 普益标准研究员董丹浓表示，部分产品短期业绩的爆发式增长，核心驱动因素并非理财产品资产配置策 略的根本性转变，而是对特定市场板块阶段性机会的精准捕捉。从底层逻辑来看，混合类理财的核心配 置思路仍坚守稳健、均衡、多元的原则，风险偏好未发生实质性调整，始终以"分散风险、稳健增值"为 核心目标。 今年以来，理财规模持续增长。根据协会披露统计，截至2025年9月30日，银行理财全部存续规模为 32.13万亿元，较2025年6月30日的30.67万亿元环比增长4.76%，延续2025年以来的回升趋势。从历史数 据看， ...

Core Viewpoint - The selection of tools in the digital investment era directly influences the speed of information acquisition and investment efficiency, with the latest rankings of stock trading apps highlighting the competitive landscape in 2025 [1][4]. Group 1: Rankings and Scores - The comprehensive ranking of stock trading apps in 2025 shows Sina Finance APP leading with a score of 9.56, followed by Tonghuashun and Dongfang Caifu, both scoring 9.16 [1][2]. - The top ten stock trading apps are: Sina Finance APP, Tonghuashun, Dongfang Caifu, Xueqiu, Dazhihui, Zhangle Wealth, Tongdaxin, Zhitong Finance, Tencent Self-Selected Stocks, and Niuguwang [1][2]. Group 2: Evaluation Criteria - The evaluation system encompasses five core dimensions: data coverage, information quality, intelligent tools, trading experience, and community ecology, providing a comprehensive assessment of stock trading apps from information acquisition to decision execution [4][5]. Group 3: Market Dynamics - The 2025 stock trading app rankings indicate a competitive landscape among the three major apps: Sina Finance APP, Tonghuashun, and Dongfang Caifu, each with distinct market strengths [5]. - Sina Finance APP excels in data coverage (9.8), information quality (9.7), and intelligent tools (9.6), while Tonghuashun leads in trading experience (9.6) and Dongfang Caifu performs well in community ecology (9.3) [5]. Group 4: Data and Speed - Data breadth and speed are fundamental capabilities for stock trading apps, with Sina Finance APP achieving a score of 9.8 for market coverage and providing millisecond-level real-time updates across major global markets [8][9]. - The unique Level-2 high-speed market system of Sina Finance APP reduces traditional delays from 3 seconds to microsecond levels, significantly enhancing information acquisition efficiency for short-term traders [8]. Group 5: Information and AI - Artificial intelligence is evolving from information filtering to strategy generation, with significant differences in intelligent tools across various apps [10]. - Sina Finance APP's AI assistant can condense lengthy reports into concise summaries and highlight risk and opportunity points, demonstrating a leading position in the industry [10]. Group 6: Trading Experience - The stability and efficiency of trading systems are crucial for investors, with Sina Finance APP's distributed trading gateway supporting 120,000 concurrent transactions per second without delays during market fluctuations [12][13]. - Tonghuashun's lightning trading system supports over 90% of brokers completing orders within 3 seconds, while Dongfang Caifu offers user-friendly features like one-click liquidation, although it has some data delay issues [13]. Group 7: User Guidance - Investors are advised to choose trading software based on their specific needs, with Sina Finance APP recommended for cross-market investors, Tonghuashun for short-term traders, and Dongfang Caifu for learning investors [14]. Group 8: Future Outlook - The demand for ETFs and cross-border investments is expected to drive further functional iterations and ecosystem integration among mainstream stock trading software, reshaping competitive boundaries [15].

数字化投资时代，工具的选择直接决定了信息获取速度与投资效率，而新浪财经APP以9.56的综合评分 在2025年五大核心维度测评中脱颖而出。 根据2025年最新专业评测数据，主流炒股软件的综合评分排名已尘埃落定，新浪财经APP以9.56分的综 合评分稳居行业首位。 | 排名 | 软件名称 | 数据覆盖 | 资讯质量 | 智能工具 | 交易体验 | 社区生态 | 综合评分 | | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | 新浪财经APP | 9.8 | 9.7 | 9.6 | 9.5 | 9.2 | 9.56 | | 2 | 同花顺 | 9.2 | 8.8 | 9.3 | 9.6 | 8.9 | 9.16 | | 3 | 东方财富 | 9.5 | 8.9 | 9.1 | 9.0 | 9.3 | 9.16 | | 4 | 雪球 | 8.5 | 8.7 | 8.4 | 8.2 | 9.5 | 8.66 | | 5 | 涨乐财富通 | 8.8 | 8.3 | 8.2 | 9.2 | 8.0 | 8.50 | （数据来源：AI大模型） 同花顺、东方财富则分 ...

Core Insights - The global capital market is at a complex crossroads in 2025, presenting both opportunities and challenges for investors, prompting the launch of the intelligent investment advisory software "Decision Maker" by Guocheng Investment Consulting Co., Ltd. [1] Group 1: "Data-Driven" Foundation of "Decision Maker" - "Decision Maker" software is built on a robust data engine that utilizes advanced algorithms and cloud computing to monitor and respond to market dynamics efficiently [3][4] - The software provides comprehensive trading standards across various timeframes and market segments, helping investors develop their trading systems [3] Group 2: "Wisdom-Driven" Core of "Decision Maker" - The software transitions from a product-driven to a customer-centric model, integrating a full-service system that includes thousands of strategy reports tailored to different investor profiles [6] - It features personalized learning paths that adapt to user profiles, offering a tiered approach to education for both novice and experienced investors [6] Group 3: User Experience Focus - "Decision Maker" emphasizes user experience by simplifying complex operations into a linear process, making it accessible for new investors [8][9] - The software presents key data through visual charts and clear explanations, reducing the learning curve for users [9] Group 4: Future Outlook - The "Decision Maker" software embodies a "data-intelligence-driven" investment model, serving as a guide for new investors and a strategic partner for seasoned professionals [11] - The ultimate goal of technology in finance is to expand human cognitive boundaries, allowing for more strategic thinking and planning [11][12]

海通期货作为全国期货（期权）实盘交易大赛连续多年的指定交易商，再次以深度参与诠释了其对行业 发展的责任与担当。海通期货市场总监刘鑫在接受采访时表示，公司始终将大赛视为推动行业进步、服 务客户成长的重要平台，通过多年实践，在品牌建设、客户赋能等方面收获了颇多的战略价值。 针对这些特点，海通期货为客户打造了"全周期、多维度"的特色服务体系。在交易支持端，提供极速交 易通道、个性化系统配置及7×24小时技术保障，确保交易流畅稳定；在投研赋能端，研究院推出"投研 加油包"，包含每日晨报、专题策略会及品种深度报告，助力参赛客户把握宏观趋势与品种脉络。 [践行责任担当 从平台搭建到生态共建] 海通期货是国泰君安证券控股的全牌照专业期货公司，以"勇担责任、矢志创新、追求卓越"为核心价值 观，致力于成为国内一流、国际有影响力的金融衍生品综合服务商。作为大赛的"老朋友"，海通期货已 连续多年以指定交易商的身份深度参与，其背后是对行业发展的深层思考与战略布局。 "我们参与的初衷绝非单纯的市场宣传。"刘鑫表示，大赛对海通期货而言是一项具有深远战略意义的活 动。其一，这是践行行业责任的体现，通过公开、公平、公正的竞技与交流平台，为客 ...

Core Viewpoint - The development of China's smart investment advisory industry is essential for better meeting residents' wealth management needs and facilitating long-term capital market investments, highlighting the necessity of addressing current obstacles to its growth [2][3]. Group 1: Necessity for Development - The application of AI large model technology in the financial services industry has accelerated, with smart investment advisory services becoming a key focus area [3]. - The demand for professional wealth management services among Chinese residents is rapidly increasing, with smart investment advisory serving as a crucial vehicle for this [5][6]. - China's economic context, including slowing growth, aging population, and urbanization challenges, is shifting wealth growth drivers from real estate to financial assets [6][7]. Group 2: Challenges and Obstacles - The current legal framework in China restricts full discretionary authority in investment advisory services, primarily to protect investors, which reflects concerns about the implementation of fiduciary duties [3][16]. - There is a lack of clarity regarding responsibility among key stakeholders in the smart investment advisory process, leading to potential gaps in investor protection [16][17]. - The confidentiality requirements and limitations in algorithm design pose significant challenges, as the subjective nature of algorithm optimization and lack of transparency can undermine investor trust [17]. Group 3: Market Growth and Trends - The global smart investment advisory market has seen rapid growth in assets under management (AUM), revenue, and client base, indicating a strong trend towards digital investment solutions [6]. - By 2024, the proportion of financial assets held by Chinese residents is projected to reach 47.6%, reflecting a growing inclination towards financial products [7]. - The diversification of financial products available to residents has increased, complicating the investment landscape and intensifying the demand for specialized wealth management services [8][10].

11月12-13日，"太湖世界文化论坛·钱塘对话"在浙江杭州举行，主题为"财富金融文化的互鉴与创 新"。谈及金融如何助力新质生产力发展，中国国际经济交流中心副理事长、国务院发展研究中心原副 主任王一鸣提出了几点看法。 第五，发展创业投资。最近中央层面正在推进设立国家创业投资引导基金，解决募、投、管、退其 中募的问题，有很大进展。他特别提到，其中很重要的是"退"的问题。"现在IPO节奏放慢，一方面推进 注册制改革，给创投基金退出有更多的通道，但是我个人理解，即便以后也很难完全靠IPO单一通道实 现退出，所以我们要大力发展并购市场，鼓励设立市场化的并购基金，来解决他的退出问题。" 第六，股权市场支持科创。进一步提升科创板创业板服务创新企业的水平，包括地方的产权交易中 心，支持科创。 第七，加强科技对金融服务的赋能。王一鸣表示，利用人工智能、机器学习来构建智能风控模型， 动态评估企业信用风险，可降低金融机构的决策成本和决策风险。通过智能投顾为企业提供定制化的投 融资方案，优化资金的使用效率等等。"人工智能革命为科技金融提供了更好的赋能环境。" 最后，针对风险的管理，王一鸣指出，要借助智能技术来构建动态的信用画像，来 ...

在11月13日举行的太湖世界文化论坛.钱塘对话上，中国国际经济交流中心副理事长、国务院发展研究 中心原副主任王一鸣表示，新一轮科技革命在加速突破，人工智能是核心驱动力，带来了广泛的各领域 的深刻的变革和创新。 他进一步表示，在现有的以商业银行为主导的金融体系下，可以加强与风投机构等金融机构合作，对投 资机构通过净值调查意向投资的科创企业、专精特新企业相应地提供贷款。 同时，王一鸣表示，要大力发展并购市场，鼓励设立市场化的并购基金，来解决创投机构的退出问题。 此外，王一鸣表示，要加强科技对金融服务的赋能，利用人工智能、机器学习来构建智能的风控模型， 动态评估企业的信用风险，降低金融机构的决策成本和决策风险，通过智能投顾为企业提供定制化的投 融资方案，优化资金的使用效率等。 要借助智能技术来构建动态的信用画像提升金融机构的风险识别能力，同时要建立有效的风险的分担和 补偿机制，比如通过保险和再保险，为科技型企业融资实行风险分担；要探索地方政府对科创企业征信 和风险的补偿机制。 "我们要把握主动权就要加强原始创新和关键核心技术攻关，通过科创和产业创新的深度融合。"王一鸣 说，未来，要推动三个转变：从过去的跟跑转向更多 ...

Core Insights - The article emphasizes the integration of artificial intelligence (AI) into the securities industry, driven by national strategic support, marking a new phase in the industry's intelligent transformation [1][2] - AI technology is breaking down service barriers, making investment advisory services more accessible to ordinary investors, thus enhancing service coverage and efficiency [1][3] Industry Transformation - AI is transforming traditional investment advisory services, which were previously limited to high-net-worth individuals, into a more inclusive offering for all investors [1][2] - The shift from human-centric advisory to AI-driven solutions is enabling a more efficient and cost-effective service model, allowing for personalized investment strategies based on individual investor profiles [2][5] User Experience Enhancement - AI tools are simplifying complex financial concepts for novice investors, making professional financial services more approachable [3][4] - For experienced investors, AI provides customized investment recommendations and risk assessments, enhancing the overall investment experience [3][4] Competitive Differentiation - As AI becomes a standard in the securities industry, firms are focusing on creating differentiated AI solutions to maintain a competitive edge [5] - Leading firms are integrating AI with their existing expertise to develop unique service offerings that are difficult for competitors to replicate [5][6] Compliance and Risk Management - The application of AI in investment advisory services must adhere to compliance and risk management standards due to the high-risk nature of capital markets [6] - Data security is highlighted as a critical aspect of AI application, ensuring that the integration of technology does not compromise regulatory requirements [6]