本文转自【宁波晚报】； "我算是比较谨慎了，先在群里观察了一个多星期，小额投入之后，还盯着大盘看涨势，没想到最后全投进去后，提现不了。" 11月26日 湖北黄冈的吴阿姨 再次重操旧业干起保洁工作 过去的一个月 她被拉进所谓的荐股群 被卷走全部积蓄102万元 保洁阿姨被广告引流进入荐股群 按指令行事1个月被卷走102万 吴阿姨曾做保洁工作，今年58岁，接触股票后逐渐放弃了工作，专门炒股，已经炒股15年。 今年10月，吴阿姨在刷某社交平台的时候，看到一则广告推荐了一款名为"通达信"的荐股软件，下载软件，报名即可获得内部名额。 吴阿姨在某社交平台看到的广告（网络截图） "我的顾问自称是西部证券的冯某某，给我看了工牌，发来中国证券业协会官网链接"，吴阿姨表示，我查询核实过她的身份，"一查，都对。"对方让她签 署了一份按月续签的服务合同，由对方指导客户交易股票，每月按照盈利支付20%的服务费。 吴阿姨还根据对方提供的链接，下载了"西部证券"App，合作期间，她发现其分析与App内的市场走向相同，越发觉得顾问分析有道理，卡点比较准。"第 一笔交易亏了9000元，说是我没按照她的指令抛售导致。第二笔交易，我按她指令行事，赚 ...

Core Insights - The number of monthly active users for securities service apps reached a record high of 175 million in September, driven by a vibrant A-share market and a significant increase in new account openings [1][2] - The A-share market continued to show positive momentum, with new account openings in September reaching 2.9372 million, a year-on-year increase of 60.73% [2][3] - The top-tier apps maintained a stable ranking, with 11 brokerage apps exceeding 6 million monthly active users, led by Huatai Securities' "Zhangle Caifutong" app [2][3] User Growth and Market Dynamics - The monthly active user count for securities service apps increased by 0.74% month-on-month and 9.73% year-on-year in September, marking a new monthly record for the year [1][2] - The user growth was supported by a surge in new account openings, which have seen continuous month-on-month growth for four consecutive months [2][3] - There is a notable disparity in user growth among different apps, with some smaller brokerage apps showing significant year-on-year increases, such as Industrial Securities' "Yuli Bao" app, which grew by 35.95% [3] Competitive Landscape - The industry remains concentrated, with Tonghuashun, Dongfang Caifu, and Dazhihui leading the market, each maintaining millions of monthly active users [3][4] - The top-tier apps are characterized by a clear user scale gap, with Tonghuashun leading at 37.21 million monthly active users, reflecting an 8.78% year-on-year growth [3][4] Technological Integration - The securities industry is increasingly adopting AI technologies, with many brokerage apps undergoing functional iterations to enhance user experience [5][6] - Several brokerages have launched AI-driven apps to improve investment advisory services, indicating a shift towards intelligent and personalized financial services [5][6] - User feedback suggests that while some AI features are beneficial, there is still room for improvement in terms of practical application and personalization [6]

Core Viewpoint - The Chinese financial industry is presented with significant strategic opportunities as it deepens the integration of digital and real economies, with a focus on digital finance as a key driver for high-quality development [1][8]. Group 1: Digital Financial Development Strategy - The 2023 Central Financial Work Conference included digital finance as part of the financial "five major articles," highlighting its importance in the national strategy [1]. - The People's Bank of China and seven other departments issued an action plan to promote high-quality development in digital finance, emphasizing data elements and digital technology as key drivers [1][8]. - West Securities aims to leverage its regional and resource advantages to build a digital financial ecosystem that aligns with national strategies, integrating big data and AI into its business operations [1][2]. Group 2: Digital Transformation Goals - West Securities has positioned digital transformation as the core engine for serving the real economy, innovating reforms, and promoting high-quality digital finance [2]. - The overall goal is to establish a digital capability support system across all business segments and management areas, driven by financial technology innovation and data elements [2]. Group 3: Digital Service Platform Development - The company is developing a comprehensive digital service platform that covers individual, institutional, and corporate clients, enhancing product and service integration to maximize client value [3]. - Investment management platforms and risk management systems are being established to ensure seamless collaboration across all operational areas, enhancing management capabilities [3]. Group 4: Investment and Financing Collaboration - West Securities focuses on enhancing financial service quality for key strategic areas by deepening digital empowerment on both investment and financing fronts [4]. - The company utilizes digital capabilities to identify quality assets and facilitate long-term capital market entry, with nearly 600 institutional clients registered on its platform by the end of 2024 [4]. Group 5: Intelligent Platform and AI Integration - The company has developed a new data management service system, "Shumou Platform," to enhance data asset management and service capabilities [6]. - An AI foundation platform is being constructed to integrate various AI applications, with a focus on internal service and business empowerment [6]. Group 6: Digital Capability Assessment - The China Securities Association released guidelines for assessing digital maturity, which West Securities is using to evaluate its digital capabilities and project effectiveness [7]. - The company is establishing a comprehensive evaluation system to measure the value contribution and effectiveness of its digital finance initiatives [7]. Group 7: Future Outlook - The company aims to accelerate its digital and intelligent transformation, expanding digital finance service scenarios and improving governance systems to support high-quality economic development [8].