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中金财富吴雪伟:一名投顾平均需服务约2800名投资者,实在忙不过来!AI赋能投顾有望成为提质增效核心驱动力
Xin Lang Cai Jing· 2026-01-15 10:24
Core Viewpoint - The application of AI technology in the securities advisory sector is steadily exploring two main directions: empowering advisors internally and providing direct client services, aiming to address the industry's pain point of insufficient service capacity among excellent advisors [1][5]. Group 1: Internal Empowerment of Advisors - The current market faces a scarcity of excellent investment advisors, leading to significant service pressure, with an average advisor serving about 2,800 investors. Even top advisors, with a team of 3 to 5, can only provide customized services to around 40 high-net-worth clients, beyond which service quality may decline [6]. - AI is being explored to alleviate this pressure by automating repetitive tasks, such as generating daily reports and market commentary, which allows advisors to focus on high-value services. However, the challenge remains in replicating the unique personal style of advisors, which is crucial for effective communication [2][6]. - The integration of AI in content production aims to reduce the workload of advisors significantly, but achieving a balance between automation and maintaining a personalized touch is a key focus area [2][6]. Group 2: Direct Client Services - AI is also being applied in direct client services, particularly in stock diagnosis services, which currently vary in quality. Some services lack specificity and fail to provide continuous support [7]. - The goal is to develop AI capabilities that can learn from experienced advisors to offer tailored stock diagnosis solutions that meet client needs [7]. - The company is working on productizing AI-driven services that combine insights from past practices and professional capabilities of advisors, with some products expected to launch soon [3][7]. Group 3: Overall Value of AI in Securities Advisory - The value of AI in the securities advisory field is seen in two dimensions: first, by taking over repetitive tasks to free up advisors' core energy for high-value services; second, by learning from professional advisors to enhance client service offerings [3][7]. - As technology continues to evolve and application scenarios deepen, AI is anticipated to become a core driver for improving efficiency and quality in the securities advisory industry [3][7].