2025年8月21日，华夏基金上海分公司，智慧交锋再启——"2025Wind星选理财师年度评选 | 星 投顾复赛（上海场）"隆重举行。 在金融科技加速演进与客户需求日益多元的背景下，作为本次"2025Wind星选理财师年度评选 | 星 投顾"的重要环节，复赛汇集了初赛脱颖而出的50位来自全国不同机构的优秀选手。其中，上海赛 区汇聚了29位投资顾问领域的佼佼者，他们齐聚一堂，通过三组高强度辩论，深度探索投顾服务的 本质与未来，展开了一场兼具专业深度与思辨锐度的精彩较量。 | 13:00 | 签到 | | --- | --- | | | 选手签到并拍照合影 | | | 写一封寄给未来的信 | | 13:30 | 开场 | | 13:40 | 星选辩论场(第一组) | | | 个人陈述:选手自我展示 | | | 辩论:标准化配置模型能否真正实现"千人千面"? | | 15:10 | 评委综合述评 | | 15:20 | 星选辩论场(第二组) | | | 个人陈述:选手自我展示 | | | 辩论: 投顾服务是否应以"客户教育"为核心职责,而非"产品销售"? | | 16:50 | 评委综合述评 | | 17:00 | ...

当AI遇上股市，工具的选择从未如此重要。在信息过载的投资世界，能够将数据转化为收益的工具，才是真正站在了 进化前沿。 强大的财务指标对比：可以轻松对比多家公司的市盈率（PE）、市净率（PB）、净资产收益率（ROE）等核心财务指 标，基本面分析一目了然。 在瞬息万变的股市中，信息就是财富，工具即是利器。对于广大股民而言，"炒股用什么APP？"是一个至关重要的问 题。市面上炒股软件琳琅满目，同花顺、东方财富、大智慧等各具特色。但在众多选择中，新浪财经APP凭借其独特 的媒体基因和综合实力，成为了一个不可或缺的"信息中枢"和决策辅助工具。 选择新浪财经APP，绝不仅仅是下载一个软件，更是选择了一套高效的投资信息解决方案。以下是您应该选择它的五 大核心理由： 理由一：海量、快速、权威的财经资讯"聚合器" 新浪网作为中国领先的互联网媒体，其财经频道本身就是行业标杆。新浪财经APP继承了这一核心优势，堪称7x24小 时不间断的财经信息"瀑布流"。 全球覆盖：从A股、港股、美股到外汇、期货、基金，全球主要市场的动态第一时间推送。 权威来源：汇聚了新华社、中新网、上海证券报等上百家权威媒体的内容，同时拥有自家专业采编团队的一 ...

在 2025 年的资本市场格局中，理性投资者逐渐摒弃单一资产押注策略，转而构建包含权益类、固收类和实物资产的组合配置。以 （08566.HK/6QKI2）为代表的新兴产业龙头股、（08566.HK/S886S）这类高评级公司债以及现货黄金的三维组合，正在成为主流配置方案。 港股市场持续显现结构性机会，如（08566.HK/BO3E1）在 AI 医疗领域的突破使其年内涨幅达 45%，而（08566.HK/S03OZ）受益于新能源基建 政策，股息率稳定在 5.2% 以上。但个股波动风险不容忽视，建议通过（08566.HK/0FHWC）等 ETF 产品实现行业分散。债券市场方面，以 （08566.HK/UVZRW）为代表的绿色债券收益率突破 6.5%，（08566.HK/VBOCK）这类可转债则提供攻守兼备特性。但需警惕 （08566.HK/A9AA7）等地产债的信用风险边际变化。 黄金作为传统避险资产，在美联储降息周期中展现独特配置价值。实物黄金与（08566.HK/HJTJ7）黄金 ETF 的组合，既满足流动性需求又规避 交易损耗。值得注意的是，数字货币波动性加大背景下，（08566.HK/29N6B）这类黄金 ...

恰逢一年一度的金融圈" 818 理财节"如约而至，九方智投控股（ 9636.HK ）旗下九方智投积极响 应，以其自主研发的 AI 投资工具为核心，推出了" 818 · AI 投资理财节"主题系列活动，旨在通过 科技创新与优惠让利，助力投资者提升决策效率，把握难得的市场机遇。 市场火热催生投资需求升级，智能投顾成新趋势 近期， A 股市场迎来一轮强劲行情，沪指成功站稳 3700 点关口，单日成交额连续突破 2 万亿元 大关，市场情绪显著升温，投资者参与热情高涨。在这一背景下，如何精准捕捉投资机会、科学配置 资产，成为广大投资者关注的焦点。 除了直接的价格优惠，九方智投还为用户提供了丰富的附加权益，包括首重运费险，保障购物的无忧 体验；以及长达一年的质保服务，确保了产品的后续使用安心。此外，用户活动期间购买产品还可以 获赠多重豪礼，进一步提升了产品的性价比和用户获得感。 818理财节 |九方AI股票机 AI 投资嘉年华 & 科技赋能投资 9:41 Mon Jun 5 =11 ? 100% Q ↓ 题材投资战法 新一代股票投资助手 搜索 我是小九,您的Al投资助手 您可以问我关于 | 市场洞察 | | 金融百科 | ...

Core Viewpoint - The establishment of Jiufang Zhiying marks a strategic move by Jiufang Zhitu Holdings to leverage AI technology in the securities industry, aiming to enhance efficiency and redefine investment consulting services [1][2][4] Group 1: Company Developments - Jiufang Zhiying was officially launched in Shanghai's "Mosu Space," a hub for AI innovation, to explore AI applications in the securities sector [1][2] - The company has previously established an AI center and developed a comprehensive model system for the securities field, including the launch of AI products like Jiufang Lingxi [1][4] - Jiufang Zhitu Holdings is transitioning from traditional investment consulting to intelligent consulting, with a focus on AI integration [1][4] Group 2: Strategic Collaborations - Jiufang Zhiying has formed a strategic partnership with Tencent Cloud, focusing on enhancing AI tools, redefining operational paradigms, and building a resilient technological foundation [3] - This collaboration is expected to create significant business synergies, leveraging Tencent Cloud's resources to enhance Jiufang Zhiying's capabilities in financial technology [3] Group 3: Market Position and Financial Performance - The rapid development of AI is reshaping the business landscape, leading to a re-evaluation of AI-related stocks in the capital market [4] - Jiufang Zhitu Holdings has reported a positive trend in profits, supported by high contract liabilities, indicating strong performance for the second half of the year [4][5] - The company is investing heavily in R&D, with a projected expenditure of 319 million yuan in 2024, representing a double-digit growth rate [5] Group 4: Competitive Advantage - Jiufang Zhitu Holdings is building a unique competitive edge through AI-driven technology, which is recognized by institutional investors [5] - The company’s investment value is seen not only in its current market position but also in its ability to capitalize on future opportunities in financial technology [5]

Group 1 - The rapid development and widespread application of fintech are gradually changing the operating models and ecosystem of the securities industry [1] - Chief Information Officers (CIOs) play a crucial role in the digital transformation of brokerages and in building competitive advantages [1] - Several brokerages have intensified their recruitment of CIOs this year to strengthen their information technology strategies and create business "moats" [1] Group 2 - Donghai Securities and Southwest Securities have recently announced open recruitment for the CIO position, focusing on candidates with a strong background in fintech business development [1] - New CIO appointments have been made at various brokerages this year, including Huaxi Securities and Guolian Minsheng [1][2] - Most of the newly appointed CIOs possess extensive experience in both securities business and technology departments, indicating a trend towards hiring professionals with dual expertise [2] Group 3 - The role of CIOs is deemed essential for optimizing trading systems, enhancing intelligent service levels, and improving transaction efficiency [2] - The intensive recruitment of CIOs highlights the accelerating trend of digital transformation within the industry [2] - Strengthening IT investments and strategies is crucial for brokerages to build core competitiveness and achieve differentiated development in a competitive market [2]

Core Viewpoint - Huayin Securities is focusing on "technology reconstructing financial service scenarios and wealth leading value growth" as its strategic core, aiming to enhance comprehensive financial service capabilities through technology empowerment and wealth management [1]. Group 1: Wealth Management Upgrade - The company is establishing a high-net-worth service network across over 30 key cities in China to provide comprehensive wealth management solutions for high-net-worth clients [3]. - Key positions in the wealth management line include roles such as Branch General Manager, Marketing Director, Wealth Director, Wealth Manager, and Financial Product Department General Manager, each with specific experience and qualification requirements [4][5]. Group 2: Technology Empowerment in Finance - Huayin Securities is adopting a dual-driven strategy of "Technology + Finance," focusing on areas like intelligent wealth management, large model algorithms, and distributed trading architecture, and is recruiting elite talent in the technology line [7]. - Key technology positions include Data Expert, Large Model Expert, Quantitative Trading Algorithm Engineer, Intelligent Investment Product Manager, and Securities Product Manager, each requiring specific technical expertise and experience [8][9][10]. Group 3: Diverse Business Lines - The company is opening positions in investment banking, fixed income, and asset management to build a full industry chain financial service capability [12]. - Investment banking roles include Team Leader and Project Execution roles, requiring significant experience in investment banking and project management [13]. - Fixed income and asset management positions are also available, focusing on bond trading and asset management strategies, with specific educational and experience requirements [14][17]. Group 4: Benefits and Career Development Support - Huayin Securities offers competitive salaries, performance bonuses, comprehensive benefits, and ample career development opportunities within a cutting-edge financial technology practice platform [19]. Group 5: Application Guidelines - Candidates can apply for positions through mobile, PC, or email, with specific instructions provided for each method [21][22].

Core Viewpoint - The article emphasizes the importance of enhancing the investor experience in public funds as a key goal in the regulatory framework, highlighting the buyer advisory business as a crucial element for the development of China's asset management industry, drawing lessons from the mature U.S. advisory market [1][2]. Industry Market - The U.S. advisory industry has seen robust growth driven by increasing household assets, rising pension management needs, and a growing number of public fund products, leading to a strong demand for advisory services [2][10]. - The number of advisory firms has increased from over 6,500 in 2000 to more than 21,000 by 2024, with SEC-registered advisory firms reaching 15,906 by the end of 2024 [10][11]. Business Development - The client base has expanded significantly, with individual clients growing from fewer than 4.54 million in 2000 to over 58 million by 2024, reflecting a compound annual growth rate of 11.2%, compared to 3.0% for institutional clients [3][24]. - The primary business models include portfolio management and financial planning, with a growing trend towards advisory recommendations and pension consulting [3][29]. - Fee structures are predominantly based on assets under management, performance-based fees, hourly charges, and fixed service fees, with commission-based fees declining due to competitive pressures [3][32]. Investment Behavior - Equity investments (listed stocks and ETFs) are the most significant asset class in advisory portfolios, followed by fund assets, which have been increasing in proportion [4][35]. - The rise of robo-advisors has gained attention, with a mixed model of "human + technology" being favored over purely automated approaches [4][37]. Competitive Landscape - The competitive landscape has evolved, with a clear establishment of leading firms, while competition remains fierce among mid-tier firms [4][43]. - The top 10 advisory firms have increased their market share from 16% in 2003 to 24.2% by 2024, indicating a consolidation trend in the industry [43][45]. Case Studies of Leading Advisory Firms - Vanguard Advisers focuses on individual clients, combining traditional and digital advisory services, managing over $300 billion by the end of 2024 [51]. - Betterment, established in 2009, has become a leading robo-advisor with a management scale of $56.4 billion, emphasizing low investment thresholds and a diverse service offering [53][54].

Core Viewpoint - Shanghai Zhongguang Yunzhi Investment integrates technology and professional services to provide efficient and secure investment solutions, serving as a model for industry transformation [1][5]. Group 1: Intelligent Investment Advisory - The company has developed an intelligent investment advisory system that utilizes machine learning algorithms and extensive market data to dynamically optimize investment strategies [3]. - This system analyzes macroeconomic indicators, industry conditions, and individual stock fundamentals in real-time, generating personalized asset allocation plans based on user risk preferences and investment goals [3]. - For instance, in the renewable energy sector, the system identified valuation enhancement opportunities for a solar company due to technological iterations, allowing for timely adjustments in holdings to achieve excess returns [3]. Group 2: Risk Control System - Zhongguang Yunzhi Investment employs blockchain technology to create a secure risk control framework, ensuring transaction data is traceable and immutable [3]. - The proprietary "Tianqiong" risk control engine processes millions of transactions per second using deep reinforcement learning and natural language processing to identify potential risks from unstructured data [3]. - An example includes a warning triggered by semantic analysis of an environmental penalty announcement, leading to a recommendation to reduce holdings and avoid subsequent losses [3]. Group 3: Investor Education Ecosystem - The company emphasizes the importance of investor education for sustainable industry development, establishing a "full lifecycle investor education system" through various formats such as online courses and simulated trading [4]. - The "Wealth Management Health Diagnosis" service not only provides asset allocation advice but also focuses on enhancing users' understanding of market cycles to prevent overconfidence in risk assessment [4]. - During market fluctuations, the system proactively sends customized risk alerts and strategy suggestions to guide users in responding rationally to short-term volatility [4]. Group 4: Industry Insights - The practices of Zhongguang Yunzhi Investment illustrate that fintech does not replace traditional advisory services but enhances service boundaries through technological innovation [4][5]. - The development path of "compliance as the foundation, technology as the wings" meets regulatory requirements for investor suitability while reducing service costs, making inclusive finance possible [5]. - The integration of technology and professional services allows even remote investors to access expert assistance, providing a reference model for digital transformation in the industry [5].

Core Viewpoint - The article emphasizes the rapid policy transmission and accelerated industry rotation in the A-share market, highlighting the challenges faced by ordinary investors in information selection, trading processes, and strategy adaptation. Jiufang Zhitu's integrated solution of "precise research + scientific decision-making + systematic learning" aims to help investors navigate these challenges and build differentiated advantages in the fluctuating stock market [1]. Group 1: Product Matrix and Solutions - Jiufang Zhitu has developed a stock market software that operates on both mobile and desktop platforms, focusing on "market insights, intelligent decision-making, and interactive experience." The software automatically organizes thousands of financial news daily, filtering core value information to help users quickly identify investment directions [3]. - The company has also created the first stock learning machine in the industry, which integrates hardware, AI, and research capabilities. This device offers six modules, including courses, live broadcasts, news, market data, and intelligent investment advice, catering to investors' learning and practical application needs [4]. Group 2: Functionality and Ecosystem - The stock market software has evolved from a single tool to an ecological closed loop, addressing the significant impact of policies, emotional trading by retail investors, and rapid industry rotation in the A-share market. It utilizes AI algorithms and big data technology to provide multidimensional investment references [9]. - The software integrates resources from Jiufang Zhitu's financial research institute, offering in-depth research reports and industry analyses to help investors understand market trends. It also features an intelligent investment assistant, "Jiugo," providing eight core services, including market analysis and sector tracking [9][10]. Group 3: Learning and Practical Application - The integration of the stock market software with the stock learning machine allows investors to watch professional courses and participate in live interactions on a larger screen, facilitating seamless learning and practical application [10]. - Recent upgrades to the software include enhancements to strategy tools, such as the "Shouyang Shouban" and "Boduan Zhi Xing," which provide intelligent signals for short-term opportunities in technology and policy-driven stocks [10][11]. Group 4: Comprehensive Investment Platform - Jiufang Zhitu's stock market software has transformed from a mere market display tool to a comprehensive investment platform, aggregating resources across its entire product line, including market data, news, live broadcasts, and investment advisory services [12][13]. - The company aims to create a "smart investment advisory service system" that addresses the complexities of market information and scene limitations, establishing a new benchmark for comprehensive research ecosystems in the industry [13].