策略结构：不是单一押注，而是多策略融合 区别于市面上大量只提供单因子预测的"轻模型平台"，万鑫AI坚持"多策略 + 多周期"融合设计。 当黄金再次站上2400美元，成为全球资金追逐的焦点，不少投资者却在疑问：AI系统真的能看懂黄金吗？面对金价剧烈波动、宏观预期反复、地缘政治频 发，AI是否具备对冲风险与挖掘机会的能力？ 在"量化交易""AI理财"频频刷屏的今天，万鑫AI发布首期策略解析，正式向外界披露其"识金"底层逻辑——不仅要解释"为什么选黄金"，更重要的是"如何 选黄金"。 技术底层：从数据训练到策略推理 万鑫AI自2013年起，积累了超10年期货市场实盘数据，涵盖K线走势、ETF资金流、央行行为、CFTC持仓、新闻情绪、政策事件等多模态输入维度。当前 平台采用"时间序列 Transformer + 强化学习（RL）"复合模型架构，能基于宏观扰动（如美联储利率决议、通胀预期变化）快速调整策略权重。 系统会将黄金作为宏观波动与避险情绪的映射资产，并根据事件影响时滞和历史胜率，实时评估黄金在不同市场阶段的"配置性价比"。 策略系统包括： AI系统每日自动生成信号、调仓、风控并动态学习，在高频实盘中持续修正误差 ...

Core Viewpoint - The financial industry is entering a new phase characterized by challenges and opportunities, with a focus on serving the real economy and promoting high-quality development through innovative financial products and services [1] Group 1: Bank Wealth Management Transformation - The transition to net value-based bank wealth management is reshaping market dynamics and investor behavior, breaking the expectation of "guaranteed returns" and increasing investor risk awareness [3][4] - Investors are more accepting of high-volatility products, creating better conditions for household wealth to enter the market [3][4] - The demand for innovative products is driven by the structural contradiction of abundant funds and a scarcity of quality assets, leading to a need for product innovation that balances stability and yield [4][5] Group 2: Personal Pension Wealth Management Market - The personal pension wealth management market is experiencing historic development opportunities due to aging demographics and increasing demand for retirement savings [10][11] - The government is supporting this market through policies that promote long-term investment in quality assets and improve the pension account system [10][11] - Financial institutions are responding by diversifying product offerings and enhancing service experiences to meet the evolving needs of consumers [10][11] Group 3: ESG Investment Trends - ESG investment in China is growing rapidly, driven by policy support and market expansion, with significant increases in ESG mutual funds and green bonds [13][14] - The integration of ESG factors into financial decision-making is becoming a competitive advantage for banks, as it can lower financing costs and enhance asset quality [14] - However, challenges remain, including data quality issues and the risk of "greenwashing" among companies [13][14] Group 4: Investment Strategies in Low-Interest Environment - Fixed-income funds need to adopt refined operational strategies to cope with declining yields, focusing on risk factor segmentation and dynamic asset allocation [15][16] - The market is facing complex risks, including interest rate sensitivity and liquidity issues, necessitating a comprehensive risk management framework [16][17] - Investors are advised to lower yield expectations and focus on matching holding periods with diversified asset allocations to navigate the low-interest environment [17]