二、大模型应用在财富管理领域还是方兴未艾的阶段，还需要继续实践和推进。C端投资者接受度呈 现"冰火两重天"，63.8%的投资者尝试用大模型指导投资，但78%的投资者缺乏专业金融知识； 四、成本ROI顾虑突出，线下算力集群投资过亿，中小机构难以承受。 三、行业基础设施不完善，数据公开与私有化并存，接口标准化不足，性能与稳定性有待提升； 针对这些痛点，陈风建议采用"小步快跑"的落地策略，优先通过调用大模型+Agent的形式开展业务验 证，利用公共云算力将成本降低100倍，在控制风险的前提下快速推广投资策略优化、C端服务升级等 应用，逐步跑通商业逻辑。 专题：财经年会2026：预测与战略暨2025全球财富管理论坛 《财经》年会2026：预测与战略暨2025全球财富管理论坛于2025年12月18-20日在北京举行。阿里云智 能新金融行业副总经理、资深研发总监陈风介绍，阿里云"通义点金"大模型自2023年推出以来，已与中 金、易方达等180余家金融机构达成合作，30余家实现生产上线。 但他也坦言，当前大模型在财富管理领域的落地仍面临四大痛点： 一、技术成熟度存疑，不同模型在投资决策等核心场景表现差异显； 新浪声明：所有 ...

Core Insights - Wealth management is identified as a primary breakthrough direction for inclusive finance in China, with current household property income being relatively low and concentrated in deposits and fixed income products, showing significant disparity compared to Western countries [1][4] - The core value of digital transformation is to break the limitations of the traditional "80/20 rule" in wealth management, enabling middle-class, low-income groups, and long-tail populations to access quality, low-cost financial services, thereby enhancing household property income and contributing to domestic demand and internal circulation [1][4] - The importance of "ecological synergy" in industry ecosystem construction is emphasized, as many participants in the wealth management sector operate in isolation, failing to create a diversified service system for the entire customer lifecycle [1][4] Technology Empowerment - The core role of digitalization is highlighted as "cost reduction and efficiency enhancement" and "precise matching," where the application of AI and big data can significantly lower service costs and expand service reach while addressing information asymmetry [2][5] - Technology is seen as a means to promote precise matching of supply and demand in wealth management, shifting from a one-sided innovation model to a system where "suitable products are matched to suitable customers in suitable ways," thereby enhancing customer patience and improving industry sustainability [2][5]

Group 1 - The 2026 Financial Annual Conference: Forecasts and Strategies, along with the 2025 Global Wealth Management Forum, will be held in Beijing from December 18-20, 2025 [3][7] - Current wealth inheritance faces three core challenges: increasing complexity of client demands, difficulty in product selection, and increasingly complicated regulations [3][7] - Client demands have evolved from simple wealth transfer to include diverse goals such as business development, asset security, tax compliance, and intergenerational transfer [3][7] Group 2 - The abundance of products from banks, trusts, and insurance companies makes it difficult for clients without professional insight to avoid blindly following trends or hesitating [3][7] - Significant differences and constant updates in domestic and international financial, tax, and legal policies create potential risks when using single products that appear compliant [3][7] - A collaborative professional approach is emphasized as essential for effective wealth transfer, focusing on building a risk-controlled, clear-structured, and sustainable system rather than merely accumulating products [4][7] Group 3 - The future of the industry will lean towards professional collaboration, aiding more enterprises and families in achieving stable wealth transfer [4][7] - High-net-worth individuals are advised to initiate planning early to avoid reactive measures [4][7]

专题：财经年会2026：预测与战略暨2025全球财富管理论坛 《财经》年会2026：预测与战略暨2025全球财富管理论坛于2025年12月18-20日在北京举行。Aspiring MFO执行总裁刘干霄指出，随着高净值群体生活、身份、资产的全球化，财富传承已进入 "合规与风险 叠加时代"，地缘政治冲突、跨境法律差异、税务规则变化等都为传承带来挑战。他强调，传承的前提 是 "生存力"，即全面的风险管理能力。 以今年杭州某国际家庭传承案例为例，被继承人、原告、被告分属不同司法辖区身份，财产分布跨越境 内外多区域，涉及现金、股权等多种类型，其争议核心在于不同法系下信托设立要件、受托人认定等规 则的差异，这一案例凸显了理解跨境法律法规、市场规则与理财文化的重要性。 他表示，风险管理并非简单的工具叠加，而是需要构建一套完整的治理体系。顶流家族可设立家族办公 室，大众富裕家庭可借助联合家办或专业财富顾问，通过系统学习与规划，应对婚姻、债务、经营等多 重风险，在家庭 "公平" 与企业 "效率" 之间找到平衡。 《财经》年会2026：预测与战略暨2025全球财富管理论坛于2025年12月18-20日在北京举行。Aspiring ...

Group 1 - The 2025 Wealth Allocation and Asset Management Conference and the 2025 Banking Industry High-Quality Development Conference were held in Shenzhen, focusing on how wealth management institutions can enhance services to help residents preserve and increase wealth [1] - Zhang Bohui from the Chinese University of Hong Kong (Shenzhen) noted a steady recovery in the wealth management market, with a notable performance in equity-linked products, indicating a rising demand for equity asset allocation [1] - Qi Jiankong from CCB Wealth Management highlighted unprecedented challenges and greater opportunities in the banking wealth management sector, emphasizing a shift in operational philosophy to prioritize investor interests [1] Group 2 - Gao Xiangyang from ICBC Wealth Management stated the company aims to become a fully functional wealth management firm, responding to new challenges in the asset management industry by exploring beneficial practices [2] - The growing demand for diversified asset allocation among residents is driving the expansion of the wealth management market and prompting profound structural changes, with various financial institutions accelerating their entry into the market [2] - Tan Xiaogang from Dacheng Fund emphasized that the high-quality development of banking wealth management is a key driver for the overall high-quality development of the banking sector, with ongoing collaboration between public funds and banks being crucial [2] Group 3 - Securities firms are increasingly playing a vital role in helping residents preserve and increase wealth, with initiatives like transitioning to a buy-side advisory model [3] - Li Haichao from Shanghai Securities discussed the company's focus on a unique asset allocation system to drive business transformation and enhance professional capabilities [3] - Wang Qian from Huihua Wealth Management highlighted the need for the asset management industry to focus on alternative asset opportunities and global asset allocation in the low-interest-rate environment [3] Group 4 - Despite existing challenges, the long-term positive fundamentals of China's economy remain unchanged, according to Bi Jiyao, former deputy director of the China Macro Economic Research Institute [4] - Guo Lei, chief economist at GF Securities, identified five potential areas for economic activation, including normalizing local investments and expanding new consumer groups [4] Group 5 - Industry experts shared insights on investment opportunities for 2026, indicating that Chinese assets still hold strong appeal, particularly in sectors like new energy, new materials, chips, and health consumption [5]

Core Insights - The conference titled "Wealth Towards Good: Intelligent Future" was held in Shenzhen on December 19, organized by China Securities Journal, focusing on wealth management in the context of emerging technologies like AI [1] Group 1: Industry Trends - The event gathered industry elites from associations, local governments, fund companies, securities firms, and wealth management companies to discuss the evolution of service models in wealth management [1] - The discussions aimed to explore how wealth management institutions can enhance the preservation and appreciation of residents' wealth through upgraded service models [1] Group 2: Conceptual Framework - The conference emphasized the implementation of the "Wealth Towards Good" philosophy, highlighting the importance of aligning wealth management practices with social responsibility [1]

阿通社12月5日消息，阿布扎比全球市场（ADGM）公布2025年第三季度强劲表现。资产管理规模 同比增长48%，管理人增至161家、基金增至220只，显示财富管理吸引力持续增强。2025年已发放2801 份牌照，活跃牌照总数达11920个，运营实体增至3227个，同比增长43%。房地产交易额同比增长 104%，销售增长78%，反映出投资信心提升及Al Reem Island纳入辖区后的活跃度。ADGM员工人数已 增至近4万，体现了其作为全球资本与高增长企业集聚地的吸引力。 （原标题：ADGM2025年第三季度继续实现强劲增长） ...

专题：2025第9届"银华基金杯"新浪·理财师大赛 12月11日，第九届"银华基金杯"新浪理财师大赛全国总决赛在北京举行，新浪财经执行总编辑王婷婷出席并发表致辞。她表示，伴随着内外环境的深刻变 革，行业正式进入"专业致胜、服务升级"的关键阶段 ，如何把握经济转型中的投资机遇、精准匹配投资者需求、实现专业与服务双提升，成为行业核心课 题，更对理财师在宏观研判、资产配置、风险管控、客户服务等方面的综合素养提出了极高要求。 新浪财经执行总编辑王婷婷致辞 王婷婷指出，理财师的价值不止于数字计算与产品推荐，更在于以专业为投资者护航，以服务传递温度，实现风险与收益平衡——这正是大赛"专业赋能价 值，服务传递温度"的核心理念。 以下为王婷婷致辞原文： 尊敬的苏薪茗苏总、各位评委老师、各位嘉宾、所有的参赛选手： 大家好。 欢迎各位来到由新浪财经和银华基金联合主办的2025第9届"银华基金杯"新浪·理财师大赛全国总决赛现场。我谨代表新浪财经，向莅临现场的评委、嘉宾致 以诚挚欢迎，向合作伙伴银华基金以及长期支持大赛的所有机构表示衷心感谢！ 2025年，中国经济在稳增长政策持续发力下，始终保持 "稳中有进、质效提升" 的良好态势。 ...

由北京市通州区人民政府指导，《财经》杂志、财经网、《财经智库》主办的"《财经》年会 2026：预测与战略 · 年度对话暨2025全球财富管理论坛"于12月18日至20日在北京举行，主题为"变局中 的中国定力"。 12月18日，北京市通州区委书记李俊杰在发言中表示，北京城市副中心正加速打造以财富管理和绿 色金融为特色的首都金融业新增长极。 李俊杰：尊敬的各位领导，各位来宾，大家上午好！ 很高兴大家相聚在千年大运河畔，共同参加《财经》年会2026：预测与战略暨2025全球财富管理论 坛。首先，我代表北京城市副中心党工委管委会、通州区委区政府，向各位来宾表示最热烈的欢迎！向 长期以来关心支持副中心建设的各界朋友致以最诚挚的感谢！ 规划建设北京城市副中心是以习近平同志为核心的党中央作出的重大决策部署，是千年大计、国家 大事。近年来，在中央、市委的大力支持下，副中心高质量发展步伐加快，城市建设日新月异，我们每 年保持千亿投资规模。环球影城、副中心站综合交通枢纽等一批重大文化设施和项目相继建成，带动副 中心人气流量不断攀升，经济实力快速增长。 2025年前三季度，地区生产总值同比增长10.9%，规模以上工业总产值、文体娱 ...

Core Insights - The 2026 Financial Annual Conference and 2025 Global Wealth Management Forum will be held in Beijing from December 18-20, 2025, highlighting the city's rapid development and investment scale [2][7] - The financial sector's value added has consistently accounted for around 10% of GDP over the past five years, indicating its crucial role in economic development [2][7] - The establishment of the Beijing Green Exchange aims to facilitate national greenhouse gas resource reduction trading, with a total of 113 million tons of carbon emission rights traded [2][8] Investment and Economic Development - The Beijing sub-center has maintained an annual investment scale of over 100 billion, with significant projects like Universal Studios and the comprehensive transportation hub completed, boosting economic strength and public engagement [2][7] - The focus on green finance and sustainable financial practices is being accelerated, with over 70% of registered financial institutions serving as regional headquarters or legal entities [2][8] Policy and Market Environment - The recent Central Economic Conference has bolstered market confidence, signaling a positive outlook for economic stability and growth, which is expected to create a favorable environment for the financial sector [3][8] - The government plans to enhance policy incentives and promote resource allocation reforms to stimulate market activity and foster a robust ecosystem centered on wealth management, green finance, and financial technology [3][8]