Core Viewpoint - The article emphasizes the transformation of the securities industry towards inclusive finance, highlighting the role of digitalization in making financial services accessible to a broader audience, particularly small and medium-sized enterprises (SMEs) and ordinary investors [1]. Group 1: Breaking Barriers and Establishing Wealth Platforms - Inclusive finance is not merely about lowering fees or opening access but involves a transformation of service models through technology [2]. - Guotou Securities has developed a digital inclusive finance network that operates 24/7, serving over 448,300 consultations in the first half of 2025, effectively breaking down information barriers [2]. - The company has created a diverse product offering, with over 10,000 wealth products across various risk levels and strategies, catering to different customer needs [2]. - Guotou Securities has implemented fee reductions on over 2,200 public fund products, including zero-fee subscriptions for 214 pension FOFs, enhancing affordability [2]. Group 2: Intelligent Investment Advisory System - The "Smart Manufacturing+" intelligent investment advisory system, developed over four years, features over 20 innovative products that convert institutional-level quantitative trading capabilities into tools for ordinary investors [3]. - The AI-driven smart grid system helps investors avoid emotional trading losses and reduces the pressure of monitoring investments, having served over 400,000 clients and generated over 400 million yuan in profits since 2025 [3]. Group 3: Redefining the Role of Buyers - The depth and warmth of inclusive finance are reflected in protecting customer interests and enhancing financial literacy [4]. - Guotou Securities is transitioning from a traditional commission model to a client-centered "buy-side advisory" model, focusing on long-term account growth [4]. Group 4: Targeted Strategies for Different Client Segments - Guotou Securities tailors its strategies for three client groups: allocation clients, trading clients, and wealth management clients, providing customized solutions through its "Research and Advisory" platform [5]. - The company has signed advisory agreements with clients holding over 120 billion yuan in assets and has served over 650,000 clients [5]. - Since 2024, Guotou Securities has conducted 2,144 educational activities, reaching over 10.01 million people, aiming to improve financial literacy and bridge knowledge gaps [5]. Group 5: From Financing Solutions to Industry Empowerment - The value of inclusive finance lies in optimizing resource allocation, reducing financing costs, and broadening service coverage to enhance financial services for the real economy [6]. - Guotou Securities has provided lifecycle services to over 200 specialized "little giant" enterprises since 2018, helping them grow into key nodes in supply chains [6]. - The company has facilitated the issuance of 5 phases of SME support bonds, raising a total of 2.3 billion yuan to alleviate funding pressures for small businesses [6]. Group 6: Innovative Financing for Sustainable Development - In 2024, Guotou Securities led the issuance of a 1 billion yuan green bond for carbon-neutral rural revitalization, achieving a low coupon rate of 2.48% and a subscription multiple of 5.25 [7]. - This project aims to support underdeveloped regions' new energy industries, creating a positive cycle of finance, industry, and livelihood [7]. - Guotou Securities is committed to expanding the reach of inclusive finance, enhancing professional capabilities, and contributing to the common prosperity of all people [7].

Core Insights - The transition of "inclusive finance" from a policy buzzword to an active strategy for brokerages presents challenges in delivering specialized services to high-net-worth clients and activating digital technologies for long-tail customers [1] Group 1: Digital Transformation and Service Model - Guotou Securities has established a digital inclusive finance network that operates 24/7, facilitating over 448,300 online consultations in the first half of 2025, effectively breaking down information barriers [2] - The company has developed a comprehensive product shelf with over 10,000 wealth products across various risk levels (R1 to R5) and strategies, catering to diverse client needs [2] - Guotou Securities has implemented fee reductions on over 2,200 public fund products, including zero-fee subscriptions for 214 pension FOFs, enhancing affordability for clients [2] Group 2: Intelligent Investment Advisory - The "Smart Manufacturing+" intelligent investment advisory system, developed over four years, has served over 400,000 clients and generated over 400 million yuan in returns since 2025 [3] - The system features AI-driven tools that help investors avoid emotional trading pitfalls and reduce monitoring pressure [3] Group 3: Client-Centric Approach - Guotou Securities is transitioning to a "buy-side advisory" model focused on long-term asset appreciation, with a client asset scale exceeding 120 billion yuan and over 650,000 clients served [4] - The company has conducted 2,144 financial education activities since 2024, reaching over 10.01 million people to enhance financial literacy [4][5] Group 4: Support for Small and Medium Enterprises - Guotou Securities has provided lifecycle services to over 200 specialized "little giant" enterprises since 2018, facilitating their growth through various financing tools [6] - The company has successfully issued 5 phases of bonds for small and medium enterprises, raising a total of 2.3 billion yuan since 2020 to alleviate funding pressures [6] Group 5: Green Finance and Rural Revitalization - In 2024, Guotou Securities led the issuance of 1 billion yuan in carbon-neutral green bonds for rural revitalization, achieving a subscription multiple of 5.25 times [7] - The project aims to support underdeveloped regions' new energy industries, creating a positive cycle of finance, industry, and livelihood [7] Group 6: Future Commitment - Guotou Securities aims to enhance its professional capabilities and expand the reach of inclusive finance, contributing to the common prosperity of all people and fulfilling their aspirations for a better life [7]