当前新一轮科技革命加速演进，人工智能（AI）、大数据、区块链等新兴技术对金融业产生深刻影 响。金融和科技到底谁需要谁？在近日由青岛市人民政府主办，青岛市委金融办、青岛市财政局承办的 2025·青岛创投风投大会上，科技与金融深度融合成为热门话题之一。与会嘉宾认为，在以人工智能为 代表的技术推动社会变革的过程中，金融与科技的关系应该是金融为科技发展提供全生命周期的支持， 科技进步后再反哺、赋能金融，让金融变得更有效率、更加准确，从而更好支持科技创新，二者相辅相 成、互相促进。 金融支持科创 推动科技发展离不开金融的助力。上海新金融研究院副院长刘晓春表示，科技没有资金投入很难做起 来，科创企业的成长之路很艰难，前期需要大量资金的投入。 再看金融数字化方面，尹艳林表示，金融科技发展规划明确提出，到2027年实现主要金融机构数字化率 超85%。我国数字金融业态不断丰富，已覆盖支付、信贷、投资、保险、征信等各项业务，数字支付全 球领先。目前，我国已成为全球移动支付的第一大市场，移动支付平台用户数超过10亿，普及率居全球 首位。2024年中国个人手机银行用户使用比例达88%，93%的企业开通了企业网银。 与会学者认为，这一 ...

其三，人工智能在医疗健康领域的深度应用，正助力实现"健康中国"的战略目标，推动医疗服务模式的 变革，让优质医疗资源更加普惠可及。例如，腾讯"觅影"AI系统已在全国百余家医院广泛应用，早期食 管癌筛查准确率已达到90%，远高于传统人工检出率。AI与医疗健康的深度融合，正为实现全民健康提 供强有力的科技支撑。 其四，人工智能与大数据的融合，正促进决策模式从经验驱动向数据驱动转变，广泛应用于农业、工 业、交通、能源等多个领域。数据不仅能提高人工智能的智能化水平，更为自主创新和市场开拓、吸引 外资提供了关键资源。数据作为新质生产力的重要引擎，已经成为现代经济的核心生产要素。如何挖掘 数据价值、优化数据治理、促进数据共享，已成为推动新质生产力发展的核心议题。 新一轮科技革命和产业变革加速发展，人工智能作为其中具有引领作用的颠覆性技术，正成为国际竞争 的新焦点和经济发展的强大引擎。 "人工智能+"行动迎来重要进展。国务院日前印发了《关于深入实施"人工智能+"行动的意见》，明确了 实施"人工智能+"行动的总体要求、发展目标和重点方向。 当前，新一轮科技革命和产业变革加速发展，成为重塑世界经济格局的关键变量和重要力量。而人工 ...

Group 1 - The core viewpoint of the articles highlights the unprecedented challenges faced by global investors due to high interest rates, structural market differentiation, and the need for diversified investment strategies [1][2][3] Group 2 - The stock market is experiencing significant structural differentiation, with the technology sector driven by AI demand showing resilience, while traditional consumer sectors are under pressure due to declining savings rates [1] - The average excess return of actively managed funds has reached 4.2 percentage points, emphasizing the value of professional investment in a complex market environment [1] - The fixed income market is undergoing a pricing mechanism reconstruction, with the 10-year U.S. Treasury yield fluctuating around 4.5% and credit spreads widening by 37 basis points compared to historical averages [2] - The green bond market has surpassed $2.3 trillion in size, with a compound annual growth rate of 19%, providing new options for ESG investors [2] - Gold prices have surpassed $2,500 per ounce due to geopolitical risks and central bank purchases, despite positive real interest rates [2] - The trading volume of digital gold certificates has increased by 240% year-on-year, enhancing the liquidity of gold to stock-levels with an average daily trading volume of $4.7 billion [2] - A dynamic balance of risk and return is necessary for cross-asset allocation, with an optimal portfolio currently consisting of 45% stocks, 30% bonds, and 25% gold [3] - The correlation coefficient indicates that gold's hedging efficiency against stock assets has improved to 0.38 [3] - The application of smart rebalancing algorithms has effectively controlled the annualized volatility of portfolios within 9.2% [3] - The divergence in capital flows, such as the record net outflow of northbound funds from the Shanghai-Hong Kong Stock Connect, signals rational investors' reverse positioning [3] - A three-year systematic investment strategy has achieved an annualized return of 8.7%, significantly outperforming single-asset allocation strategies [3]

Group 1: Market Overview - The international capital market in August 2025 shows a complex and variable landscape, with stable Federal Reserve interest rate policies impacting major investment categories: stocks, bonds, and gold [1] - The Hong Kong stock market's biopharmaceutical sector continues to perform strongly, with a leading gene editing company experiencing a weekly increase of 12.3%, reaching a year-to-date high [1] - The bond market exhibits a polarized trend, with U.S. ten-year Treasury yields fluctuating between 3.2% and 3.5%, while corporate bonds show significant stratification [1] Group 2: Gold and Alternative Investments - Gold prices have surpassed $2,200 per ounce, marking a historical high, driven by central banks increasing their reserves and a gold mining company reporting a 28% increase in proven reserves, leading to a 17% surge in its stock price [2] - The alternative investment sector is witnessing new trends, with carbon credit derivatives trading volume increasing by 210% month-over-month, and a water rights trading index showing positive growth for three consecutive months [2] Group 3: Fund Flows and Asset Allocation - Cross-border ETFs have seen a record net subscription of 1.5 billion yuan in a week, while REITs products' premium rate has narrowed to 3.2% [3] - Investors are advised to focus on inflation-linked bonds that can effectively hedge against CPI fluctuations, considering three key variables: geopolitical impacts on energy prices, monetary policy divergence among major economies, and the actual productivity gains from artificial intelligence [3] Group 4: Investment Strategies - In response to the complex market environment, professional institutions recommend a barbell strategy, allocating 70% of funds to stable assets and 30% to high-growth sectors, while regularly conducting stress tests to ensure portfolio resilience [4]

Core Viewpoint - Shanghai Zhongguang Yunzhi Investment integrates technology and professional services to provide efficient and secure investment solutions, serving as a model for industry transformation [1][5]. Group 1: Intelligent Investment Advisory - The company has developed an intelligent investment advisory system that utilizes machine learning algorithms and extensive market data to dynamically optimize investment strategies [3]. - This system analyzes macroeconomic indicators, industry conditions, and individual stock fundamentals in real-time, generating personalized asset allocation plans based on user risk preferences and investment goals [3]. - For instance, in the renewable energy sector, the system identified valuation enhancement opportunities for a solar company due to technological iterations, allowing for timely adjustments in holdings to achieve excess returns [3]. Group 2: Risk Control System - Zhongguang Yunzhi Investment employs blockchain technology to create a secure risk control framework, ensuring transaction data is traceable and immutable [3]. - The proprietary "Tianqiong" risk control engine processes millions of transactions per second using deep reinforcement learning and natural language processing to identify potential risks from unstructured data [3]. - An example includes a warning triggered by semantic analysis of an environmental penalty announcement, leading to a recommendation to reduce holdings and avoid subsequent losses [3]. Group 3: Investor Education Ecosystem - The company emphasizes the importance of investor education for sustainable industry development, establishing a "full lifecycle investor education system" through various formats such as online courses and simulated trading [4]. - The "Wealth Management Health Diagnosis" service not only provides asset allocation advice but also focuses on enhancing users' understanding of market cycles to prevent overconfidence in risk assessment [4]. - During market fluctuations, the system proactively sends customized risk alerts and strategy suggestions to guide users in responding rationally to short-term volatility [4]. Group 4: Industry Insights - The practices of Zhongguang Yunzhi Investment illustrate that fintech does not replace traditional advisory services but enhances service boundaries through technological innovation [4][5]. - The development path of "compliance as the foundation, technology as the wings" meets regulatory requirements for investor suitability while reducing service costs, making inclusive finance possible [5]. - The integration of technology and professional services allows even remote investors to access expert assistance, providing a reference model for digital transformation in the industry [5].

Core Insights - The company leverages over 20 years of industry experience and technological innovation to fill the market gap in traditional investment advisory services through smart investment advisory solutions [1][3] - Smart investment advisory is reshaping the wealth management industry by providing a new experience for investors and driving digital transformation in the securities advisory sector [1][3] Group 1: Technology Integration - The company integrates artificial intelligence deeply into the entire investment decision-making process rather than using it merely as an auxiliary tool [3] - The self-developed smart investment advisory system utilizes vast financial data and multidimensional quantitative models to accurately profile investors' risk preferences and return goals [3] - A dynamic asset allocation model based on machine learning captures market volatility signals in real-time, automatically triggering rebalancing strategies, allowing investors to access expert-level asset allocation services without needing professional financial knowledge [3] Group 2: Personalized Services - The company offers personalized services that address the contradiction between the standardization of traditional advisory services and the diversification of client needs, thereby lowering service barriers and operationalizing the concept of inclusive finance [3] - The "AI + Advisor" dual-track service system combines natural language processing technology to convert complex market analyses into understandable decision-making suggestions for investors, while a professional advisory team conducts secondary verification of smart strategies [3] Group 3: Strategic Vision - The company's strategic layout extends beyond technological breakthroughs, aiming to build a one-stop service system encompassing investor education, smart investment advisory, and asset allocation in response to the rising wealth management demands of the middle class in China [4] - The company is committed to the mission of "technology for good," continuously increasing investment in cutting-edge technologies such as artificial intelligence and blockchain, and promoting the upgrade of smart investment advisory from "tool innovation" to "model innovation" [4]