对此，中银证券回应称，公司始终高度重视用户信息保护工作，致力于为客户提供安全、可靠、放心的 互联网应用使用体验。接到上海市通信管理局11月通报指出的问题后，公司迅速开展整改并按要求提交 整改及自评估报告。针对APP在部分应用商城被下架问题，公司正积极与相关方沟通了解情况，力争尽 快解决。我们充分尊重并虚心接受监管提出的意见建议，切实采取有效措施保障整改到位。 校对 卢茜 12月18日 上海通信管理局日前通报，对此前向社会公示存在侵害用户权益行为的App（SDK），在规定 整改期限内尚未按照要求落实整改的38款App（SDK）采取下架处理，涉及中银证券。 据此前通报，中银证券App存在未明示个人信息处理规则；账号注销难；违规收集个人信息等问题。 ...

12月18日，南都N视频记者从上海市通信管理局获悉，该局发布通报称，对"玛莎拉蒂互联""中银证券 （601696）""流利说阅读"等38款侵害用户权益行为的App（SDK）作下架处理。其中，"玛莎拉蒂互 联"此前曾被通报"App强制、频繁、过度索取权限，未明示个人信息处理规则"。 玛莎拉蒂官网介绍。 据了解，11月，上海市通信管理局向社会公示了一批存在侵害用户权益行为的App（SDK）。在规定的 整改期限内，经核查复检，尚有38款App（SDK）未按照要求落实整改，现对该38款App（SDK）采取 下架处理。南都记者注意到，"玛莎拉蒂互联""中银证券""流利说阅读"等App均在下架名单中。 上海市通信管理局表示，将对该38款App（SDK）持续跟踪，视情况进一步采取停止接入、行政处罚、 纳入电信业务经营不良名单等处理措施。 南都记者查询获悉，11月26日，上海市通信管理局曾通报71款App（SDK）存在侵害用户权益行为。其 中，"玛莎拉蒂互联"所涉问题为违规收集个人信息，App强制、频繁、过度索取权限，未明示个人信息 处理规则。应用来源为小米应用商店。 玛莎拉蒂官网显示，该互联应用程序融合驾驶数据、车辆警报和 ...

Core Insights - The digital transformation in wealth management is centered around brokers enhancing their app platforms to create a new online service ecosystem [1][4] - In April, the total active users of securities apps reached 167 million, marking a year-on-year increase of 14.29% [2][4] - The trend of upgrading app functionalities, particularly through AI technologies, is becoming a focal point for brokers [3][4] Group 1: Market Activity - The A-share market has seen increased activity, with 9.4 million new accounts opened in the first four months of the year, a year-on-year growth of 31.51% [2] - In April, 11 brokers had apps with over 5 million monthly active users, with Huatai Securities' "Zhangle Wealth" leading at 11.22 million [2][4] - Despite a slight month-on-month decline of 2.7% in active users, the year-on-year growth remains strong [2] Group 2: Technological Advancements - Brokers are focusing on integrating AI and other advanced technologies into their app functionalities to enhance service quality and efficiency [3][4] - Recent updates to apps include features like intelligent investment tools, market tracking, and ETF investment options [3] - The use of AI models is seen as essential for brokers to meet diverse investor needs and improve resource allocation efficiency [4] Group 3: Competitive Landscape - The competition among brokers is intensifying, with a need to differentiate through unique features and services [5] - Brokers are encouraged to leverage user behavior data and AI algorithms to create customized investment solutions [5] - Future developments in broker apps are expected to focus on smart, scenario-based, and diversified services to enhance user engagement [5]