| | 一场面向"小白"的炒股语言 | | --- | --- | | | 革命 | | 出品｜虎嗅科技组 | | | 作者｜陈伊凡、李一飞 | | | 编辑｜苗正卿 | | | 头图｜AI生成 | | "AI 原生 100" 是虎嗅科技组推出针对 AI 原生创新栏目，这是本系列的第「 34 」篇文章。 "做All in One的AI原生交易平台"。 创业第一天，RockFlow创始人Vakee（赖蕴琦）写下了自己的五年计划。 在 Vakee 的构想中，未来的投资世界不应只有冷冰冰的K线，更应有属于年轻人的热血与冒险。这一愿景 正在被数据验证：J.P. Morgan 报告显示，Z世代在25岁时的投资参与度已达 37%，远超前几代人——投资 不再是'大人的游戏'。作为数字原住民，这届年轻人拥抱 AI，寻找能与自己同频共振的数字理财搭子。而 RockFlow 正是为此而生。 2022 年，RockFlow 上线；2025 年 9 月，AI投资交易智能体——Bobby，作为内嵌在RockFlow的对话 Agent被推出。 就在我们聊天前，RockFlow 刚打完一场"真刀真枪"的美股实验：10 个大模型、每个大模型 ...

Core Viewpoint - The primary mission of wealth management institutions is to prevent risks, followed by seeking wealth preservation, appreciation, and inheritance [2][4]. Group 1: Risk Prevention - Zhang Xinfan emphasizes that the key to wealth management is not seizing opportunities but preventing risks, as highlighted by Warren Buffett's principle of avoiding losses [4][5]. - The real risk in wealth management arises from purchasing incorrect or fraudulent assets, rather than market fluctuations [4]. Group 2: Investment Advisory Role - Investment advisors should help clients filter out noise, avoid risks, and skillfully abandon unfamiliar or complex financial products to find stable growth channels [5][6]. Group 3: Financial Product Accessibility - The complexity of investment and financial management is increasing, making the value of professional institutions and advisors more prominent [6]. - Future directions for brokerage wealth management include developing a fully entrusted advisory model and focusing on ETFs as a simple investment method [6]. Group 4: Financial Equity - The concept of "financial equity" is emphasized, suggesting that individuals in remote areas can access investment opportunities through financial products, promoting wealth balance in society [7].

Core Insights - The primary mission of wealth management institutions is to prevent risks, followed by seeking wealth preservation, appreciation, and inheritance [2] - Wealth management should transcend economic cycles rather than merely predicting or speculating on them [2] - Investment advisors should help clients filter noise, avoid risks, and focus on stable growth channels [2] Group 1: Wealth Management Philosophy - Wealth management institutions must accompany and guide clients to achieve self-awareness and navigate economic cycles [3] - Investment advisors need a deep understanding of wealth management's mission, vision, values, and the development of the Chinese economy [3] Group 2: Investment Strategies - Future directions for brokerage wealth management include the development of fully entrusted investment advisory models and the promotion of ETFs as simple investment methods [2] - Financial products are essential for stable and long-term wealth management development, enabling ordinary investors to access investment opportunities in emerging sectors like renewable energy and AI [3]

Core Insights - The primary mission of wealth management institutions is to prevent risks, followed by seeking wealth preservation, appreciation, and inheritance [1] - Wealth management should transcend economic cycles rather than merely predicting or speculating on them [1] - Investment advisors should help clients filter noise, avoid risks, and focus on stable growth channels [1] Group 1 - Zhang Xin Fan emphasized the importance of risk prevention in wealth management, stating that protecting asset safety is the top priority [1] - The future of brokerage wealth management will focus on two main directions: developing a fully entrusted investment advisory model and promoting ETFs as a simple investment method [1] - Investment advisors must possess a deep understanding of wealth management's mission, vision, and the development of the Chinese economy [2] Group 2 - Financial products are crucial for the sustainable development of wealth management, enabling ordinary people to access investment opportunities in emerging sectors like renewable energy and AI [2] - The concept of financial equality is highlighted, as individuals in remote areas can access the same investment opportunities through financial products, despite lacking access to top-tier resources [2]

Core Viewpoint - The article discusses the launch of the AI banking strategy by Wangshang Bank, aiming to serve small and micro enterprises as their CFOs, leveraging AI technology to enhance financial management and decision-making capabilities [1][3]. Group 1: AI Banking Strategy - Wangshang Bank has served over 68 million small and micro business owners in the past decade and is now positioning itself as a CFO for these enterprises [1]. - The bank's president, Feng Liang, emphasizes that traditional CFO skills, which are often inaccessible to small businesses, can now be provided through AI technology [3]. Group 2: AI Capabilities and Applications - AI banking will utilize advanced recognition capabilities to analyze a company's operations, industry trends, and financial needs, exemplified by a case study of a small high-temperature nylon manufacturer [4]. - The AI system can identify industry connections, assess production capabilities, and analyze financial patterns, providing insights that were previously unattainable for small enterprises [4][5]. Group 3: Financial Tools and Services - The bank aims to analyze and match over 40,000 financial products to the specific needs of small businesses, enhancing their financial decision-making [5]. - As small businesses shift from expansion to survival modes, the bank is adapting its services to focus on refined management and efficiency [5]. Group 4: Future of Banking Services - The transformation of banking services will shift from merely providing financial products to offering comprehensive operational support, akin to having a personal CFO [6]. - Future applications like "AI Invoice Manager" and "AI Tender Assistant" are in development, indicating a trend towards AI-driven banking solutions [7]. - Over 33 banks have already announced their integration with AI technologies, marking a significant trend in the banking industry for the next decade [7].