Core Insights - The monthly active users (MAU) of securities apps reached 175 million in September, marking a year-on-year increase of 9.73% and a month-on-month increase of 0.74%, indicating a growing market activity [1] - Huatai Securities' app ranked first with 11.95 million MAU, while Guotai Junan's app had 10.29 million MAU, both showing positive month-on-month growth [1] - A total of 21 securities apps experienced month-on-month growth in MAU, while 13 apps saw a decline, reflecting a divergence in performance among different brokers [1] Group 1: User Engagement and Performance - The MAU of securities apps has shown consistent growth for four consecutive months, with September achieving the highest monthly active user count of the year [1] - Several strong brokers maintained robust performance, with Ping An Securities reaching 8.80 million MAU and multiple other brokers exceeding 7 million MAU [1] Group 2: Technological Advancements - Brokers are optimizing their apps to enhance user engagement and retention, with a focus on AI integration for improved functionality [2] - Huatai Securities launched the AI Zhangle app, which features voice interaction and AI-driven stock selection and monitoring capabilities [2] - Shanxi Securities updated its app to incorporate AI for market perception, automated trading, and personalized asset allocation, enhancing user experience [2] Group 3: Future Development - Experts suggest that securities apps need to focus on building differentiated competitive advantages in a highly competitive market [3] - The integration of AI technology is seen as essential for transforming apps from mere trading platforms to comprehensive wealth management tools [3]

月活增长势头普遍放缓 易观千帆数据显示，2025年9月证券类App活跃人数约1.75亿，环比增长0.74%，同比增长9.73%，创下 2025年以来的月度新高。 《每日经济新闻》记者注意到，从过去一年的整体表现来看，2025年9月的活跃人数规模持续走高，仅 低于2024年10月的1.84亿人和2024年11月的1.78亿人，在这12个月中位居第三。 与此同时，数据进一步显示，从月活规模看，前十券商自营App里，华泰证券旗下涨乐财富通月活 1195.17万人与国泰海通君弘的1029.22万人均处于千万人级梯队，延续头部"双雄"格局；平安证券以 879.75万人月活位居第三；中信证券信e投、招商证券、国泰海通通财、中信建投证券蜻蜓点金、广发 证券易淘金的月活处于697万至726万人区间；方正证券小方和中国银河证券月活较为接近，都在644万 人左右。 相比8月券商App月活的环比普涨，9月该数据呈现有增有减的分化格局。中小券商中，国金佣金宝月活 达88.81万人，环比增速达12.08%；国海金探号月活超89万人，环比增速超6%；西部证券、长江e号的 月活环比增速也均超5%。头部阵营中，华泰涨乐财富通、中国银河证券环 ...

Core Insights - The active user base of securities apps reached approximately 175 million in September 2025, marking a month-on-month increase of 0.74% and a year-on-year increase of 9.73%, setting a new monthly record for the year [1][2][3] User Engagement Trends - The active user count in September 2025 is the third highest in the past year, only behind October and November 2024 [2] - Leading brokerage apps like Huatai Securities' Zhangle Wealth and Guotai Junan's Junhong have monthly active users exceeding 10 million, maintaining a strong competitive position [2][3] - Smaller brokerages show significant variance in growth rates, with some like Guojin's Commission Treasure and Guohai's Jintan achieving month-on-month growth rates of over 6% [3] Daily Active User Dynamics - The daily active user (DAU) distribution shows a clear tiered structure, with Huatai Zhangle Wealth leading at 4.38 million DAUs, followed by Ping An Securities and GF Securities [4] - Five brokerage apps have DAUs exceeding 3 million, indicating a solidified competitive landscape among top firms [4] Operational Shifts in the Industry - The operational logic of brokerages is undergoing profound changes, shifting from passive market participation to leveraging AI technology for enhancing user engagement and conversion efficiency [5][6] - The launch of Huatai Securities' AI Zhangle marks a significant step in this transformation, integrating AI capabilities across key investment and trading scenarios [6] - The industry is moving towards a model where AI is central to user engagement and wealth management, indicating a shift from mere traffic expansion to value-driven operations [5][6]

随着2025年A股市场在结构性行情中持续深化，人工智能与大数据技术已彻底重塑了个人投资者的交易 生态。面对市场上琳琅满目的炒股软件，如何选择一款高效、可靠且功能强大的APP，成为投资者迈向 成功的第一步。 近期，一份由多家权威金融机构和独立评测机构联合发布的调研报告指出，在综合评估了数据、技术、 生态与用户体验后，新浪财经APP等产品被业内专家和资深投资者共同推举为当下的首选平台。 一、 选择维度之变：从"信息工具"到"智能决策伙伴" 回顾过去，炒股APP的核心功能是行情呈现和资讯推送。但在2025年的今天，评判标准已发生深刻变 化。业内专家认为，一款顶级的炒股APP必须具备四大核心能力： 1． 数据的实时性与全面性：不仅是A股，港股、美股、期货、外汇、数字货币等全球市场的实时行情 已成为标配，数据的深度、广度和推送速度是基础。 2． AI赋能的智能分析能力：内嵌的AI工具能否提供智能选股、量化策略回测、财报自动解读、舆情深 度分析等功能，直接决定了投资者的决策效率。 AI投顾成为"外挂大脑"：其内置的"AI选股"和"量化策略回测平台"是2025年版本的亮点。用户不仅能通 过自然语言（如"找出连续三年ROE大 ...

Core Insights - The A-share market experienced a strong rally in August 2025, significantly increasing market activity and user engagement in securities apps [1][2] - The number of active users for securities apps reached 173 million in August, marking a year-on-year growth of 27.26% and a month-on-month increase of 4%, setting a new monthly record for 2025 [2][3] User Engagement - The top ten securities apps maintained their rankings from the previous month, with Huatai Securities' Zhangle Wealth App leading with 11.83 million active users, followed by Guotai Junan's Junhong App with 10.21 million [3][4] - The overall number of securities apps with over 5 million active users remained stable at 11, indicating consistent user engagement across the sector [3] Market Trends - The increase in app activity is attributed to both external market conditions and internal strategies, such as the "8.18 Financial Festival," which introduced innovative operational strategies [2][4] - The trend of extending promotional activities from short-term events to longer-term customer engagement strategies is evident, with some firms transforming "Financial Festivals" into "Financial Seasons" to enhance customer interaction [5] Technological Integration - Many brokerage firms are actively integrating AI technology into their mobile platforms and advisory services, enhancing user experience through personalized information, intelligent stock selection, and automated trading strategies [4] - The shift towards AI-driven services is becoming a crucial differentiator in an increasingly competitive market, as firms focus on long-term customer value rather than short-term promotions [4]

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].