编者按： 时代之笔擘画新章，金融活水润泽实体。在金融"五篇大文章"铺就的壮阔画卷中，证券业正以创新之墨 挥毫作答。这是服务国家战略的使命担当，更是深化金融供给侧改革的生动实践。证券业以"国之大 者"为经，以"民之关切"做纬，让金融血脉与实体经济同频共振，奏响中国式现代化的资本强音。证券 时报联合中国证券业协会，推出"做好'五篇大文章' 证券业作答进行时"系列专栏， 本篇为系列报道之 二十六，敬请垂注。 "普惠金融的核心在于提升金融服务的覆盖面、可得性和可持续性，使不同群体尤其是传统金融体系难 以触达的'长尾客户'能够平等享受金融服务。"东海证券党委书记、董事长王文卓在接受证券时报记者 采访时如是说。 近年来，东海证券通过产品创新、服务模式优化、金融知识普及与科技赋能等多维度实践，探索出一条 兼具社会效益和商业可持续性的普惠金融路径。 精准构建普惠型产品体系 东海证券通过工具化产品布局和差异化服务设计，打破传统金融产品的高门槛限制，使中小投资者和特 殊群体能够参与资本市场。 以买方投顾模式重构财富管理价值链，东海证券着力构建"投教先行—精准画像—动态匹配"的普惠金融 服务闭环。该公司创新打造"投教+陪伴"服务矩 ...

编者按： 时代之笔擘画新章，金融活水润泽实体。在金融"五篇大文章"铺就的壮阔画卷中，证券业正以创新之墨挥毫作 答。这是服务国家战略的使命担当，更是深化金融供给侧改革的生动实践。证券业以"国之大者"为经，以"民之关 切"做纬，让金融血脉与实体经济同频共振，奏响中国式现代化的资本强音。证券时报联合中国证券业协会，推 出"做好'五篇大文章' 证券业作答进行时"系列专栏， 本篇为系列报道之二十六，敬请垂注。 "普惠金融的核心在于提升金融服务的覆盖面、可得性和可持续性，使不同群体尤其是传统金融体系难以触达的'长尾客 户'能够平等享受金融服务。"东海证券党委书记、董事长王文卓在接受证券时报记者采访时如是说。 近年来，东海证券通过产品创新、服务模式优化、金融知识普及与科技赋能等多维度实践，探索出一条兼具社会效益和 商业可持续性的普惠金融路径。 精准构建普惠型产品体系 东海证券通过工具化产品布局和差异化服务设计，打破传统金融产品的高门槛限制，使中小投资者和特殊群体能够参与 资本市场。 以买方投顾模式重构财富管理价值链，东海证券着力构建"投教先行—精准画像—动态匹配"的普惠金融服务闭环。该公 司创新打造"投教+陪伴"服务矩阵， ...

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]