Core Insights - The article discusses the digital transformation of wealth management in the Chinese securities industry, highlighting the need for collaboration across departments to overcome barriers such as "information silos" and application barriers [1][2][3] Group 1: Industry Challenges - The lack of cross-departmental collaboration and application barriers are identified as major obstacles to the digital transformation of wealth management [2] - Traditional organizational structures are often too rigid to adapt to the fast-changing market demands, necessitating a flexible and efficient organizational framework [3] Group 2: Solutions and Strategies - The article outlines a four-stage path for digital transformation in the industry: "Foundation," "Consolidation," "Expansion," and "Long-term," focusing on building a unified data system and a middle-office structure [4] - Companies are encouraged to create a digital service closed loop centered on user needs, integrating internal and external data sources to form user profiles [5] - The importance of deep integration across all channels is emphasized, ensuring consistent and efficient service delivery to clients [5] Group 3: Future Directions - AI technology is highlighted as a core driver for future transformation, with a focus on enhancing customer experience through intelligent interactions and data integration [6] - The establishment of a comprehensive digital governance framework is recommended to optimize AI transparency and ensure user data protection [6]

这一颠覆性技术将继续深远地影响金融行业的未来发展，改变商业模式、客户沟通、服务创新以及运营管理。企 业决策者应敏锐洞察，提前布局。 引言 作为全球领先的金融机构，瑞银致力成为一家人工智能驱动的机构，为实现增长而持续投资科技，让所有员工都 能从人工智能工具中受益，并且以负责任和可持续的方式为客户、员工和股东带来最大利益。作为中国金融改革 开放进程中的建设者和受益者，瑞银借助全球化网络与本土化专业能力，依托全球资本市场赋能中国科技企业， 帮助中国科技企业成长为全球产业发展的中坚力量。 中国金融行业正积极探索和布局生成式人工智能 由于金融行业大量的数据沉淀，劳动力密集度高以及与语言相关的工作内容占比高，生成式AI对金融行业的潜在 重塑效应有望大于其他行业。 从瑞银证券研究部对目前金融机构的实践案例统计来看，中国金融机构正在积极探索和布局AI应用（图1）。目 前应用较多的仍以对内赋能员工为主，例如知识库助手、客服助手、智能投研、保险代理人助手等，但需人工二 次把关。从使用机构方面来看，大型金融机构对大模型进行体系化布局，在业务的前中后台场景均有融合，模型 方面选择自研与合作多路线探索；中小机构受制于成本，仍处在单点场 ...