Core Viewpoint - The article discusses the significant decline in deposit interest rates in China, marking the end of the "risk-free" era for conservative savers, and highlights the shift towards stock market investments as a new financial strategy for individuals [1][3][14]. Group 1: Deposit Rate Changes - Major state-owned banks in China have collectively lowered deposit rates, with the one-year fixed deposit rate dropping to 0.95%, resulting in a decrease in interest income from 1,450 yuan to 950 yuan for a 100,000 yuan deposit [1][3]. - This reduction in deposit rates has severely diminished the attractiveness of traditional savings, particularly impacting middle-aged and elderly savers who rely on interest income [3]. Group 2: Investment Landscape - The decline in low-risk investment options has led to a growing interest in the stock market, which is now seen as a primary avenue for personal finance [4][5]. - The stock market is experiencing increased attention due to supportive policies aimed at enhancing investor returns and the influx of long-term capital from insurance and pension funds [5]. Group 3: Investor Education and Tools - There is an urgent need for investor education as individuals transition from savings to stock market investments, emphasizing the importance of knowledge and preparation to avoid risky investments [7][8]. - The emergence of intelligent stock learning tools, such as the "Easy Knowledge Stock Path" by Jiufang Zhitu, aims to equip investors with the necessary skills and knowledge to navigate the stock market effectively [10][12]. Group 4: Future of Investment - The article concludes that the era of risk-free returns is over, and investors must embrace knowledge-driven investment strategies to achieve wealth growth [14]. - The shift towards cognitive and professional investment tools is essential for navigating the complexities of the current market environment [12][14].

Group 1 - The integration of the internet and finance has led to the emergence of serious issues related to the dissemination of false financial information and illegal stock recommendations in the capital market [1][2] - Regulatory bodies, including the National Internet Information Office, have taken action against accounts and websites spreading false information, highlighting the severity of the current financial information chaos [1][2] - Investors are advised to obtain financial information through official channels or qualified financial information service providers to avoid misinformation [2][3] Group 2 - Illegal stock recommendation activities are rampant, and investors are cautioned against blindly following such advice [3] - Securities law mandates that any entity providing investment consulting services must be approved by the China Securities Regulatory Commission [3] - Engaging in illegal stock recommendations can lead to criminal charges, with penalties including imprisonment and fines based on the amount involved [3][4] Group 3 - Virtual currency trading and speculation are classified as illegal financial activities in China, with strict regulations prohibiting related services [4][5] - Individuals involved in fraudulent activities related to virtual currencies can face severe legal consequences, including criminal charges for fraud [4][5] - Investors are urged to recognize the risks associated with virtual currency investments and avoid illegal activities [5][6] Group 4 - The prevalence of financial black and gray market activities disrupts normal market order and harms legitimate financial institutions [6] - Consumers are advised to seek assistance from legitimate financial institutions and verify their credentials to avoid falling victim to scams [6] - In cases of disputes, consumers should retain documentation and consider legal action or complaints to regulatory bodies [6]

Core Insights - The Shanghai Artificial Intelligence Industry Association held its second first member meeting, where Huizheng Finance was recognized as a council member, highlighting its contributions to the integration of financial technology and artificial intelligence [1] - Huizheng Finance has developed the "Human-Machine Data Golden Triangle" investment research concept, transitioning from experience-driven to intelligent investment research, significantly enhancing research efficiency [3] - The company has received multiple awards for its technological innovations and commitment to social responsibility, including recognition as one of the "Top 100 Emerging Industry Enterprises in Shanghai" [4] Company Developments - Huizheng Finance completed the full-stack private deployment of its AI model DeepSeek, reducing analysis time from days to minutes, thereby improving investment research efficiency [3] - The company collaborates with major tech firms like Huawei and Alibaba Cloud to enhance the intelligence of financial services, integrating features that improve security and user experience [3] - The core product "Jindou Cloud Smart Investment" app leverages the HarmonyOS features to enhance security and interaction, while also optimizing team collaboration through Alibaba Cloud's technology [3] Industry Recognition - Huizheng Finance has been awarded for its "Zhangying Decision Stock Pool" project, which utilizes multi-factor models and AI algorithms to provide dynamic strategy support for investors [4] - The company emphasizes its commitment to social responsibility through charitable contributions and investor education, promoting a positive impact in the financial sector [4] Future Outlook - As a new council member, Huizheng Finance aims to explore the application of AI models in investment advisory services, collaborating with ecosystem partners to enhance service delivery [5] - The company views artificial intelligence as a core engine for improving quality and efficiency in the financial industry, with plans to contribute to Shanghai's development as a global financial technology center [5] Association Overview - The Shanghai Artificial Intelligence Industry Association, guided by the Shanghai Economic and Information Commission, consists of over 600 member units, including top tech companies and research institutions, focusing on AI technology development and application innovation [7] Company Background - Established in 1997, Huizheng Finance is one of the first certified professional securities investment consulting institutions in China, dedicated to helping investors preserve and grow their wealth through intelligent investment solutions [8]

Group 1 - The "Trends Changhong Practical Classroom" WeChat group and its stock recommendation master Li Gufeng have led to significant financial losses for numerous investors, causing distress for many families [1][2] - Li Gufeng, under the ID "Lingshuiguanxin," presents himself as a stock expert, attracting investors with promises of wealth through his stock recommendations [2][5] - The stock recommendations often show short-term gains but subsequently lead to steep declines, resulting in substantial losses for investors [5][6] Group 2 - Victims of the scheme report devastating financial impacts, with some losing tens of thousands of dollars within days after trusting Li Gufeng's recommendations [6] - The so-called "precise stock selection" is revealed to exploit market randomness and investor greed, as Li Gufeng sells off stocks after attracting investors, causing prices to plummet [6][8] - Investors are advised to remain vigilant against such scams, choose legitimate investment channels, and enhance their investment knowledge and risk awareness [7][8]

第三方投顾机构再次被罚。 5月21日，广东证监局披露一则罚单，慧研智投科技有限公司广州分公司（简称"慧研智投广州分公司"）因部 分营销内容存在暗示保证收益的情形、投资者适当性管理执行不到位等4项违规行为，被广东证监局责令改 正。 资料显示，慧研智投成立于1995年1月，于1998年取得经营证券期货业务许可证，是国内早期获得监管批准的 证券投资咨询公司之一。中国证券业协会官网显示，目前慧研智投有720位具有登记编号的证券从业人员，其 中证券投资咨询（投资顾问）182位，这一人员规模在81家持牌证券投资咨询机构中排在中上的位置。 券商中国记者注意到，这不是慧研智投第一次被罚，慧研智投苏州分公司、长沙分公司、武汉分公司和上海分 公司均被暂停新增客户。就监管处罚而言，去年12月，因在2023年11月至2024年6月期间的关联营销活动中存 在严重违规行为，被山西证监局立案调查，并收到180万元罚单。今年1月，湖北证监局也对慧研智投武汉分公 司采取责令改正并责令暂停新增客户行政监管措施。 慧研智投广州分公司被责令改正 5月21日，广东证监局披露，老牌第三方投顾公司慧研智投广州分公司存在4项违规行为： 一是未定期开展适当性 ...

2025年5月15日，是第七个"全国投资者保护宣传日"。这一由中国证监会于2019年设立的节日，旨在通 过全国联动、形式多样的活动，将"理性投资、价值投资、长期投资"的理念深植人心，构建"规范、透 明、开放、有活力、有韧性"的资本市场生态。七年来，宣传日主题从"筑牢注册制改革基础"到"推动高 质量发展，提振投资者信心"，始终紧扣时代脉搏。这一宣传日不仅标志着资本市场对投资者权益保护 的深化，更如一座灯塔，照亮了通往成熟、稳健市场的道路，让理性投资成为护航经济航船的压舱石。 作为一家深耕行业二十载的专业证券投资咨询机构，国诚投顾始终以"教育为帆"，将投资者教育融入企 业基因，助力投资者在波涛汹涌的金融市场中筑起"理性长城"。然而，金融市场从不是风平浪静的港 湾，暗流与礁石始终考验着每一位投资者，非法金融活动始终在暗处窥视着投资者的财富。 常见的非法金融活动 1.非法集资陷阱 指未经国务院金融管理部门依法许可或者违反国家金融管理规定，以许诺还本付息或者给予其他投资回 报等方式，向不特定对象吸收资金的行为。不法分子常假冒民营银行、非融资性担保企业等名义，或打 着境外投资、高新科技开发、"养老"等旗号，甚至以高价回购 ...

坚持以人民为中心的价值取向，是金融工作的出发点和落脚点。今年初，中国证监会主席吴清在调研投 资者教育基地中指出，"投资者是市场之本，保护投资者合法权益是证券监管的首要任务"。近年来，在 监管部门持续深入推动下，投教工作内容与形式不断创新，投教服务方式更加丰富，但投教的精准触达 率与长效影响力仍有提升空间。在一年一度的"5·15全国投资者保护宣传日"来临之际，南都湾财社推 出"对话投教护航人"系列报道，以深度展现行业机构在投教领域的创新实践、典型经验。 广东博众智能科技投资有限公司（以下简称"广东博众"）作为一家证券投资咨询机构，一直深耕在投教 一线。今年，该公司将人工智能技术引入投教工作，通过AI生成内容、算法推荐和智能投教助手，为 投资者提供个性化、智能化、陪伴式投教服务。AI投教有哪些优势和劣势？AI投教与人工投教如何协 同互补？如何平衡投教内容的专业性和传播性？围绕上述问题，近日，南都湾财社记者专访了广东博众 党支部书记兼分管投教负责人蔡永嘉。 广东博众党支部书记兼分管投教负责人蔡永嘉。受访者供图 总的来说，人工智能技术的跃迁，为投教行业带来了全新的机遇和变革。我们也将继续探索和深化人工 智能在投教领域 ...

一个月被罚两次！近日，北京天相财富管理顾问有限公司（下称"天相财富"）青岛分公司因为误导性宣 传等原因被青岛证监局开罚单，而就在半个月前，天相财富总公司也因夸大、误导性宣传等多个原因被 北京证监局开罚单。 南都湾财社记者了解到，去年，天相财富也曾因为违规"吃"罚单，而这家屡屡被罚的第三方投顾机构， 其实际控制人为资深资本市场专家，有着"中国证券市场的拓荒者、建设者与批评者"的称号。 一个月两次被罚，均涉及误导性宣传 青岛证监局近日发布的处罚信息显示，天相财富青岛分公司存在误导性营销宣传和聘用未在中国证券业 协会注册登记的员工直接从事证券投资咨询业务的营销、客服工作两项问题。基于此，青岛证监局对该 公司采取出具警示函措施，并将相关情况记入证券期货市场诚信档案。 林义相。 据媒体报道，1993年，林义相放弃法国储蓄与信托银行的高薪工作，转身投入中国资本市场建设的大 潮，成为中国证监会的首位高级专家，主要负责资本市场的基础设施建设工作。后来其又回归市场，任 华夏证券公司（中信建投前身）副总经理，再后来则"下海"创办证券投资咨询公司。 近些年，林义相频频对我国资本市场提出批评。比如，在去年接受媒体采访时，他表示，部分 ...

Core Viewpoint - Donggao Technology has failed to meet its performance commitments for three consecutive years, leading to significant financial and operational challenges for the company [1][2][3]. Financial Performance - In the last year, Donggao Technology reported a revenue of 142.94 million yuan, a year-on-year decline of 66.13% [2]. - The operating profit was 9.95 million yuan, and the net profit was 4.23 million yuan, with a non-recurring net profit of only 8.77 million yuan, although this represents a growth of 34.94% compared to 2023 [2]. - The company has consistently failed to meet the performance commitments made during its acquisition, with a cumulative non-recurring net profit of only 13.45 million yuan in 2022, 6.50 million yuan in 2023, and a projected performance rate of only 17.55% for 2024 [3]. Compliance Issues - Donggao Technology faced regulatory penalties due to compliance violations, leading to two separate six-month suspensions on acquiring new clients [5][6]. - The first suspension occurred in November 2023 due to issues related to stock pool management and promotional compliance [5]. - The second suspension in June 2024 was due to misleading revenue implications and continued client acquisition during the suspension period [6]. Operational Challenges - The company has experienced significant operational difficulties, including a fine of 20,000 yuan for wage arrears affecting 230 employees [6]. - The financial report indicated a tripling of default compensation payments to 2.92 million yuan compared to 637,500 yuan in 2023 [6]. - Following the sale of a 2% stake for 5 million yuan, Donggao Technology's ownership dropped from 51% to 49%, resulting in a loss of control over the company [4].

作为扎根浦东新区的老牌证券投资咨询机构，国诚投顾一直以来充分依托浦东优越的政策环境、丰富的 人才资源和完善的产业链优势，实现了从技术突破到产业化的快速发展。在产品研发方面，国诚投顾自 主研发出了一款智能投顾软件——决策家APP，实现从"经验驱动"到"数据驱动"的跨越，让专业投资变 得触手可及；在科技创新方面，国诚投顾积极进行金融科技的深度融合，构建数字投顾新业态，不仅使 得其技术架构更稳定、更高效、更安全，更为投资者带来了更便捷、更透明、更智能的服务体验。 4月9日，由浦东新区人民政府举办的"2025年浦东新区突出贡献企业答谢活动"在上海国际会议中心举 行，活动向160家企业颁发了特别贡献奖、科技创新突出贡献奖、民营企业突出贡献奖等八大奖项。深 圳市国诚投资咨询有限公司(以下简称"国诚投顾")因对浦东新区经济社会发展做出了突出的贡献而荣 获"2025浦东新区突出贡献奖"。这一荣誉的获得不仅是对公司过去成绩的肯定，也是对公司在推动浦东 新区高质量发展和金融行业所做贡献的高度认可。国诚投顾总经理刘健文先生代表公司出席领奖。 浦东作为社会主义现代化建设引领区，在过去的一年里，浦东高质量发展迈出坚实步伐，经济规模在万 ...