Core Viewpoint - The article highlights the significant growth in the user activity of securities apps, driven by a bullish A-share market and the increasing demand for diversified wealth management solutions among investors [1][6]. User Activity Growth - As of July 2025, the number of active users of securities apps reached 167 million, marking a 20.89% year-on-year increase [6]. - The top ten securities apps accounted for 63% of the market share, with Tonghuashun leading at 35.01 million active users, followed by Dongfang Caifu and Dazhihui with 17.14 million and 11.91 million users respectively [7]. Competitive Landscape - The competition among securities apps is becoming increasingly differentiated, with Tonghuashun and Dongfang Caifu leveraging their unique features to attract users [9]. - Smaller brokerages like Guohai Securities and Chengtong Securities have also seen rapid growth in user activity, indicating a competitive market environment [10]. AI Integration - The integration of AI technology into securities apps is a key trend, with firms like Guangfa Securities and Guotai Haitong leading the way in developing AI-native applications [12][13]. - AI-driven features are expected to enhance user experience and operational efficiency, providing personalized investment advice and improving customer interaction rates [14]. Market Dynamics - The article notes a shift from traditional tools to intelligent solutions in the securities app market, reflecting a broader trend towards digital transformation in financial services [13]. - The increasing preference for comprehensive and mature platforms among investors indicates a strengthening of the "Matthew Effect," where leading apps continue to dominate the market [7][10].

Core Viewpoint - The article emphasizes the importance of promoting Chinese financial culture and its integration into the operations of financial institutions in Ningxia, focusing on compliance, integrity, professionalism, and stability to support the high-quality development of the local economy [1][2][3]. Group 1: Financial Culture and Compliance - Chinese financial culture is a blend of traditional values and modern financial practices, serving as a foundation for the industry [3]. - The "Four Adherences" are outlined: adherence to compliance, integrity, professionalism, and stability, which are essential for risk management and customer trust [3][4]. - A comprehensive compliance management system has been established, successfully intercepting 58 abnormal transactions last year to protect client interests [3]. Group 2: Service to the Local Economy - Financial institutions in Ningxia are deeply integrated into local economic development, focusing on diverse financial services to support local enterprises [5]. - Over the years, significant capital has been injected into the local economy, with over 5.8 billion yuan in bonds underwritten for local companies [5]. - The focus on "Six New, Six Special, and Six Excellent" industries demonstrates a commitment to enhancing local economic growth [5]. Group 3: Investor Education and Community Engagement - The institutions have conducted 24 investor education activities, reaching over 3,000 individuals, to promote rational investment concepts [5]. - Collaboration with local communities and educational institutions is emphasized to enhance financial literacy and awareness [5]. Group 4: Internal Management and Employee Training - The integration of cultural values into employee performance assessments ensures adherence to compliance and integrity [6]. - A total of 27 training sessions have been conducted, with 1,080 employees participating, to enhance understanding of financial culture [9]. - The establishment of a "Cultural Model Award" encourages employees to embody the principles of financial culture in their work [6]. Group 5: Innovation and Risk Management - Financial institutions leverage advanced technology to provide efficient services while maintaining a robust risk management framework [4]. - The balance between innovation and risk is crucial, with a focus on ensuring client asset safety through comprehensive risk controls [4]. Group 6: Commitment to Social Responsibility - The institutions prioritize serving the real economy and fulfilling social responsibilities, which is seen as a core mission [7][10]. - Regular financial knowledge seminars and investor education courses are organized to guide investors towards rational investment practices [7].