Core Viewpoint - The article emphasizes the importance of inclusive finance in enhancing the coverage, accessibility, and sustainability of financial services, particularly for underserved groups, and highlights East China Securities' innovative practices in this area [2][3]. Group 1: Inclusive Financial Product System - East China Securities has developed a tool-based product layout and differentiated service design to lower barriers for small investors and special groups to participate in the capital market [3]. - The company has restructured the wealth management value chain through a buyer advisory model, creating a closed loop of inclusive financial services that includes investor education, precise profiling, and dynamic matching [3]. - A series of reforms have shifted the focus from sales-driven approaches to solution-oriented outputs, enhancing the service model from single product supply to asset allocation capabilities [3][4]. Group 2: Technology-Driven Service Network - East China Securities has built a digital service ecosystem that overcomes geographical and informational barriers, providing comprehensive services to all customer segments [5]. - The company launched an intelligent stock diagnosis system on the "Donghai Tong APP," utilizing AI algorithms for real-time stock analysis, which reduces manual analysis costs and improves service efficiency [6]. - The AI platform integrates advanced technologies to process vast amounts of unstructured data, achieving a 98.7% accuracy rate in compliance scenarios [6]. Group 3: Multi-Channel Service Ecosystem - The company has implemented strategic innovations in wealth management and customer service, focusing on transforming buyer advisory services and enhancing services for the elderly [7]. - A 24/7 service response mechanism has been established to provide extensive coverage for investment consulting services, supported by big data analysis to create a personalized educational system [7]. - The company has optimized its online services for elderly clients, introducing features that cater to their needs and enhancing offline services with appropriate facilities [7]. Group 4: Investment Education Initiatives - East China Securities views investor education as a cornerstone of inclusive finance, designing differentiated educational programs to meet the needs of various groups [8]. - The company has developed engaging financial literacy courses for children in impoverished areas, combining educational content with entertaining formats [8]. - The company actively promotes financial education in schools, using interactive methods to teach students about money management and basic financial concepts [8].