Core Viewpoint - The article emphasizes the role of the securities industry in promoting inclusive finance, focusing on enhancing financial service accessibility and sustainability for underserved groups, particularly "long-tail customers" [1] Group 1: Product Innovation and Service Design - Donghai Securities is breaking traditional financial product barriers by creating a product system that allows small investors and special groups to participate in the capital market [2] - The company has developed a "investment education + companionship" service matrix to help investors build cross-asset allocation thinking and reduce reliance on single markets [2] - A layered product shelf has been established, offering defensive combinations for risk-averse clients and growth-oriented plans for aggressive investors [2][3] Group 2: Technology-Driven Services - Donghai Securities has created a digital service ecosystem that overcomes geographical and informational barriers, utilizing financial technology to serve all customer groups [4] - The company launched an intelligent stock diagnosis system on the "Donghai Tong APP," providing real-time, precise stock analysis and diagnostic services [4][5] - The AI platform developed by Donghai Securities integrates advanced technologies to dynamically update knowledge bases and achieve high accuracy in compliance reviews [5] Group 3: Customer Service Innovations - The company has implemented a 24/7 service response mechanism, shifting from a sales-driven approach to a customer-centric long-term value service model [6] - Donghai Securities has enhanced its services for elderly clients by optimizing the "Donghai Tong" APP and upgrading physical branches with senior-friendly facilities [6] - A personalized investment education system has been created, utilizing big data to model customer behaviors and preferences [6] Group 4: Financial Literacy Initiatives - Donghai Securities views investor education as a cornerstone of inclusive finance, designing differentiated educational programs for various groups [7] - The company has developed engaging financial literacy courses for children in impoverished areas, combining educational content with entertaining formats [7] - Efforts have been made to bring financial education into schools, helping students understand basic financial concepts through interactive teaching methods [7]

Core Viewpoint - The article emphasizes the importance of inclusive finance in enhancing the coverage, accessibility, and sustainability of financial services, particularly for underserved groups, and highlights East China Securities' innovative practices in this area [2][3]. Group 1: Inclusive Financial Product System - East China Securities has developed a tool-based product layout and differentiated service design to lower barriers for small investors and special groups to participate in the capital market [3]. - The company has restructured the wealth management value chain through a buyer advisory model, creating a closed loop of inclusive financial services that includes investor education, precise profiling, and dynamic matching [3]. - A series of reforms have shifted the focus from sales-driven approaches to solution-oriented outputs, enhancing the service model from single product supply to asset allocation capabilities [3][4]. Group 2: Technology-Driven Service Network - East China Securities has built a digital service ecosystem that overcomes geographical and informational barriers, providing comprehensive services to all customer segments [5]. - The company launched an intelligent stock diagnosis system on the "Donghai Tong APP," utilizing AI algorithms for real-time stock analysis, which reduces manual analysis costs and improves service efficiency [6]. - The AI platform integrates advanced technologies to process vast amounts of unstructured data, achieving a 98.7% accuracy rate in compliance scenarios [6]. Group 3: Multi-Channel Service Ecosystem - The company has implemented strategic innovations in wealth management and customer service, focusing on transforming buyer advisory services and enhancing services for the elderly [7]. - A 24/7 service response mechanism has been established to provide extensive coverage for investment consulting services, supported by big data analysis to create a personalized educational system [7]. - The company has optimized its online services for elderly clients, introducing features that cater to their needs and enhancing offline services with appropriate facilities [7]. Group 4: Investment Education Initiatives - East China Securities views investor education as a cornerstone of inclusive finance, designing differentiated educational programs to meet the needs of various groups [8]. - The company has developed engaging financial literacy courses for children in impoverished areas, combining educational content with entertaining formats [8]. - The company actively promotes financial education in schools, using interactive methods to teach students about money management and basic financial concepts [8].

Core Viewpoint - The core of inclusive finance is to enhance the coverage, accessibility, and sustainability of financial services, enabling traditionally underserved "long-tail customers" to enjoy equal access to financial services [1] Group 1: Product and Service Innovation - The company has developed a product system that breaks traditional financial product barriers, allowing small investors and special groups to participate in the capital market [2] - A buyer advisory model has been established to reconstruct the wealth management value chain, focusing on a service loop of "investment education first—precise profiling—dynamic matching" [2] - The company has created a "fixed income + index enhancement + thematic allocation" layered product shelf to cater to different risk profiles, offering defensive combinations for risk-averse clients and growth-oriented plans for aggressive investors [2][3] Group 2: Technology-Driven Services - The company has built a digital service ecosystem that overcomes geographical and informational barriers, utilizing financial technology to serve all customer groups [4] - An intelligent stock diagnosis system has been launched on the "Donghai Tong APP," providing real-time, precise stock analysis and diagnostic services using advanced AI algorithms [4] - The company has developed an AI platform that integrates RAG technology and a deep-optimized open-source model, achieving a 98.7% accuracy rate in investment banking business reviews [4] Group 3: Comprehensive Service Ecosystem - The company has implemented strategic innovations in wealth management and customer service, focusing on transforming buyer advisory and upgrading services for the elderly [5][6] - A 24/7 service response mechanism has been established to provide extensive coverage for investment consulting services [6] - The company has optimized its online services for the elderly, introducing features like voice broadcasting and full-screen subtitle reading, while also upgrading offline services with facilities tailored for older clients [6] Group 4: Investor Education Initiatives - The company views investor education as the foundation of inclusive finance, designing differentiated educational programs to meet the needs of various groups [7] - Financial literacy courses for children in impoverished areas have been developed, combining engaging content with educational themes [7] - The company has actively expanded its educational outreach to schools, using interactive teaching methods to explain basic financial concepts to students [7]