如何"驯服"AI并选择基金，甚至被部分网友总结出了完整的AI输入指令，覆盖背景和目标设定、市场展 望、持仓分析、决策制定、注意事项等环节。不仅如此，甚至还有AI工具"互卷"环节，比如把A工具给 出的结论输入到B工具中，让其寻找漏洞，并以此进一步反问A工具来提高可信度。此外，长期跟踪记 录不同AI工具"炒基"的帖子也有很高的围观热度。 "理财助理"有局限 ● 本报记者 王鹤静 年轻投资者正在全力"驯服"AI成为自己的"理财助理"。 在社交平台上，"100万交给AI来理财""如何让AI帮忙推荐基金指令分享"等话题掀起热度，AI工具比收 益等内容更是引来众多投资者的围观。 虽然AI工具给投资决策带来了便利，但在业内机构看来，投资者要清楚AI工具的分析高度依赖历史数 据，难以预知风险，还面临数据污染、AI幻觉、隐含数据偏见等一系列问题，AI工具只能作为投资决 策的辅助，不能替代自身的细致调研与对个人财务状况的考量。 AI"选基"热度渐起 当AI工具深度嵌入人们的日常生活后，越来越多的年轻用户已经习惯于把AI工具当成搜索引擎或求助 对象，尤其是在某些需要依靠大量数据或专业知识的垂直领域，"遇事不决问AI"的模式已经深入 ...

Core Viewpoint - Guangzhou has introduced measures to promote AI investment advisory services, aiming to enhance the financial technology sector and establish itself as a leading city in investment advisory services in China [2]. Group 1: Policy and Regulatory Support - The first measure focuses on seeking support from higher regulatory authorities for the development of AI investment advisory services, advocating for a prudent regulatory framework suitable for AI applications [3]. - The second measure aims to establish an information-sharing mechanism for AI investment advisory development, involving various financial regulatory bodies to support the growth of AI advisory services [3]. - The third measure emphasizes the supply of data elements for the investment advisory industry, encouraging collaboration among financial institutions and data service providers to enhance data availability and standards [3]. Group 2: Industry Development and Infrastructure - The fourth measure encourages investment in AI advisory-related industries, promoting market-oriented funds to support AI and investment advisory integration [4]. - The fifth measure highlights the importance of building a secure and reliable computing power center for AI investment advisory, aiming to create a computing hub in the Guangdong-Hong Kong-Macao Greater Bay Area [5]. Group 3: Talent Development and Standards - The sixth measure focuses on establishing a standard system for AI investment advisory services, promoting research on service norms and algorithm transparency [6]. - The seventh measure supports the cultivation of AI talent through collaboration between financial institutions and educational entities, aiming to develop professionals skilled in both finance and AI [7]. Group 4: Risk Management and Industry Environment - The eighth measure emphasizes the importance of risk prevention in AI investment advisory services, encouraging collaboration between local and foreign advisory firms [8]. - The ninth measure aims to create a favorable environment for AI investment advisory development through various industry activities and public education initiatives [9]. - The tenth measure stresses the need for strict risk management practices, ensuring financial institutions are accountable for their use of AI in advisory services [9].

Core Insights - The brokerage industry is undergoing profound changes driven by two main factors: the upgrading of investor demands for personalized and real-time decision-making support, and the rapid development of artificial intelligence technology reshaping business models and service ecosystems [1][2] Investor Demand and Advisory Upgrade - Since 2025, investors have demanded a comprehensive upgrade in brokerage advisory services, focusing on product selection, service content, and overall service experience [2] - There is a significant increase in diversified and global asset allocation needs, with clients shifting attention to commodities, alternative assets, and overseas markets due to low interest rates [2] - Investors now seek full-process investment support, requiring not just products but also professional advice and continuous service, especially during market volatility [2] AI Application in Brokerage - The application of AI in the brokerage industry has transitioned from tool assistance to business restructuring [3] - By 2025, AI competition in wealth management will focus on three core areas: building an "intelligent agent" driven service matrix, providing deep personalized decision-making based on user data, and creating an integrated service loop that combines AI understanding, human-machine collaboration, and intelligent execution [3][6] - For instance, Guotai Junan Securities launched a new AI-driven app that redefines customer service models and enhances the investment journey through innovative features [3] Differentiation in AI Advisory - Despite double-digit growth in AI tool users among brokerages, the industry faces challenges of homogenization in AI advisory services [5] - The core issue lies in the lack of significant differentiation in underlying technology, data sources, investment strategies, and final output portfolios [5] - True differentiation is not just about the presence of features but also about ease of use, interaction experience, and precision of data services [5] Talent and Workflow Transformation - The core of brokerage business transformation is talent, necessitating skill upgrades and redefinition of traditional advisory roles [6] - Brokerages are focusing on enhancing the rigor and accuracy of AI advisory tools through extensive training and integration with financial investment models [6] - The advisory team is evolving into three roles: AI strategy trainers, human-machine collaboration designers, and complex client relationship managers, balancing technical and humanistic solutions [7]

"AI投顾十条"是广州推动金融科技赋能资本市场投资端改革和财富管理行业向买方转型，助力构建高质 量投顾生态体系，加快建设具有全国影响力的"投顾第一城"的重要支撑。 具体来看，广州将争取上级监管部门支持广州AI投顾发展。积极向中央金融监管部门和有关国家部委 申请建立适用于人工智能投顾应用的包容审慎监管机制，鼓励AI投顾应用项目参与广州资本市场金融 科技创新试点。 新华财经广州11月26日电（记者吕光一）11月26日-27日，"2025广州投资顾问大会暨财富管理转型发展 会议"在广州南沙举行。会上，广州市委金融办发布了《广州市大力推动AI投顾发展的若干措施》，简 称"AI投顾十条"。 广州将加强支持AI投顾业务关联产业发展，包括推动相关产业基金、鼓励各类市场化基金投向"人工智 能+投顾"产业主体、鼓励银行机构加大对符合政策导向的"人工智能+投顾"相关企业的信贷支持力度。 支持各区出台AI投顾业务发展相关支持政策，健全AI投顾企业在穗展业服务体系，积极招引国内外AI 投顾产业链机构来穗发展合作。 "AI投顾十条"显示，广州还将从建立信息共享机制、推动数据要素供给、探索建立标准体系、培育复合 型人才、营造行业发展良好 ...

Core Viewpoint - The article discusses the rise of low-cost quantitative systems promoted by third-party advisory companies through live streaming, highlighting the potential risks and misleading nature of these products [2][9][11]. Group 1: Market Trends - A surge in the popularity of low-priced quantitative systems has been observed, with promotional strategies like "low-price lead generation" and "limited-time offers" being commonly employed [4][3]. - Live streaming sessions often attract large audiences, with some broadcasts reporting viewership exceeding 140,000 [3][7]. Group 2: Product Characteristics - These quantitative systems are marketed as tools that utilize AI algorithms to track market trends and main capital flows, but their actual functionality is often limited to stock recommendations without substantial analytical backing [9][10]. - The systems typically offer a simple purchasing process, emphasizing ease of use for novice investors, and often include promises of full refunds if the service does not meet expectations [7][9]. Group 3: Comparison with Traditional Tools - There is a significant distinction between these third-party quantitative systems and legitimate AI advisory tools provided by brokerage firms, which offer comprehensive investment support and personalized wealth management services [10]. - The third-party systems primarily focus on stock recommendations, lacking the depth and analytical rigor of professional tools, which are designed to assist investors throughout the entire investment process [10]. Group 4: Consumer Feedback and Risks - Many user testimonials in live streams appear to be fabricated or from accounts with no prior activity, raising concerns about the authenticity of positive feedback [11]. - Numerous investors have reported negative experiences with these systems, describing them as scams and expressing dissatisfaction with the lack of transparency regarding the underlying algorithms [11].

Core Insights - The 2025 Guangzhou Investment Advisory Conference is set to take place on November 26-27, focusing on the theme "Deepening the Bay Area, Building an Ecological Community, and Coexisting Value" [1][2] - The event has seen significant interest, with over 800 participants registered, marking a 60% increase from the previous year, reflecting the industry's recognition of the value of investment advisory services [2] Industry Overview - The conference is supported by key financial institutions and aims to establish Guangzhou as a leading hub for investment advisory services, leveraging local policies that promote the sector [2] - Guangzhou has implemented a comprehensive policy framework, including the "Investment Advisory Ten Measures," to enhance the investment advisory ecosystem [2] Conference Agenda - The main conference will feature the release of the "AI Investment Advisory Ten Measures," providing policy support for AI-driven advisory services [4] - A report titled "China Fund Investment Advisory Customer Behavior Insight Report (2025)" will be launched, offering data on user experience and satisfaction [4] - The Guangzhou Investment Advisory Academy will present the "China Buy-side Investment Advisory Blue Book 2025," summarizing industry trends and best practices [4] Key Speakers and Discussions - Notable industry leaders will discuss critical topics such as account management upgrades and the implementation of buy-side thinking [5] - Roundtable discussions will address challenges in transitioning from product sales to advisory services and fostering collaboration across institutions [5] Specialized Sessions - The conference will include specialized sessions focusing on various aspects of the investment advisory industry, such as pension finance, talent development, product configuration, and AI transformation [6] - Experts will share insights on how investment advisory can support pension management and address the talent gap in the industry [6] Future Outlook - The evolution of the conference themes from "Buy-side Positioning" to "Deepening the Bay Area" reflects the industry's shift towards practical implementation and high-quality development [7] - The event aims to facilitate collaboration among over 800 industry professionals to address transformation challenges and promote the development of Guangzhou as a leading investment advisory city [7]

Core Viewpoint - The launch of the "Second 21st Century Gold Medal Investment Advisor" case collection activity reflects the profound restructuring of China's capital market ecosystem, driven by multiple policy incentives and the growing importance of buy-side investment advisory as a competitive arena [1][2]. Group 1: Event Overview - The event aims to highlight professional and warm investment advisory teams and excellent fund advisory cases, with a new category for "AI Investment Advisory" introduced to enhance industry development [1][2]. - The project has received submissions from leading institutions such as CITIC Securities, ICBC Credit Suisse Asset Management, Ant Group, and Dongwu Securities, covering key areas of funds, securities, and third-party advisory [1][4]. Group 2: Evaluation Criteria - The evaluation system for the "Fund Advisory Excellent Cases" focuses on the completeness of business structure, professionalism in team building, effectiveness in guiding investor behavior, and depth of customer service [2]. - The "21st Century Gold Medal Investment Advisor" series maintains an evaluation logic of "30% investment, 70% advisory," ensuring objectivity and authority in the selection process [2]. Group 3: AI Investment Advisory - The addition of the "AI Investment Advisory" category responds to the trend of deep integration between financial technology and asset management, encouraging institutions that successfully apply AI in advisory practices to enhance service efficiency and user experience [3]. Group 4: Industry Participation - Numerous leading institutions are actively participating in the case collection, contributing high-quality case resources and showcasing the forefront trends in buy-side advisory development [4]. Group 5: Project Impact and Reporting - The project team is conducting a thorough review of the submitted materials, with the involvement of guiding units to ensure fairness and authority in the evaluation process [5]. - The event will leverage the media group's extensive platform for maximum outreach and impact, including in-depth reports, exclusive interviews, and data analysis to enhance understanding of the advisory industry's current state and future trends [5].

Core Insights - The A-share market is witnessing a record high in investor numbers, with 2.246 million new accounts opened in October alone, bringing the total to nearly 250 million [1] - The growth in new accounts is significantly driven by overseas investors and the domestic young demographic, who prioritize compliance and transparency but may lack financial knowledge [1] - The shift from a labor-intensive service model to an AI-driven approach is becoming essential for the industry, as highlighted by the central financial work conference emphasizing "technology finance" [1] Group 1: Industry Trends - The traditional brokerage model is transitioning from a sales-oriented approach to a client-centric advisory model, focusing on long-term, customized wealth management solutions [1] - AI advisory is seen as a crucial tool for enhancing advisory capabilities, improving customer experience, and achieving inclusive and tiered services [1][2] - The integration of AI in brokerage services is expected to address common investor concerns such as stock selection and holding anxiety [1] Group 2: Company Developments - Guojin Securities has initiated AI advisory product development in 2023, with a full launch planned for July 2025, focusing on comprehensive decision support rather than just smart customer service [2] - The company has implemented a "technology down" strategy, making advanced quantitative strategies and models accessible to individual investors [2] - Guojin Securities has established a multi-dimensional quality assurance system to maintain high data quality for its AI advisory products [2] Group 3: Service Innovations - The AI advisory service covers the entire investment lifecycle, offering features like stock selection and holding optimization, addressing key investor questions [3] - The company has developed a collaborative model that combines AI and human advisors, ensuring broad access to services while providing personalized solutions for high-net-worth clients [5] - The initial success of the AI advisory service is reflected in high user engagement, with over 200 million page views and a customer satisfaction rate exceeding 92% [5] Group 4: Market Impact - Guojin Securities reported that its wealth management business contributed 47.27% of revenue in the first half of 2025, with a market share increase in securities trading [5] - The AI-driven approach has not diminished the connection between users and human services; instead, it has enhanced customer loyalty through digital touchpoints [5] - The industry is evolving through three stages of AI empowerment in advisory services, with Guojin Securities positioned in the intelligent leadership phase [6]

Core Insights - The article emphasizes the integration of artificial intelligence (AI) into the securities industry, driven by national strategic support, marking a new phase in the industry's intelligent transformation [1][2] - AI technology is breaking down service barriers, making investment advisory services more accessible to ordinary investors, thus enhancing service coverage and efficiency [1][3] Industry Transformation - AI is transforming traditional investment advisory services, which were previously limited to high-net-worth individuals, into a more inclusive offering for all investors [1][2] - The shift from human-centric advisory to AI-driven solutions is enabling a more efficient and cost-effective service model, allowing for personalized investment strategies based on individual investor profiles [2][5] User Experience Enhancement - AI tools are simplifying complex financial concepts for novice investors, making professional financial services more approachable [3][4] - For experienced investors, AI provides customized investment recommendations and risk assessments, enhancing the overall investment experience [3][4] Competitive Differentiation - As AI becomes a standard in the securities industry, firms are focusing on creating differentiated AI solutions to maintain a competitive edge [5] - Leading firms are integrating AI with their existing expertise to develop unique service offerings that are difficult for competitors to replicate [5][6] Compliance and Risk Management - The application of AI in investment advisory services must adhere to compliance and risk management standards due to the high-risk nature of capital markets [6] - Data security is highlighted as a critical aspect of AI application, ensuring that the integration of technology does not compromise regulatory requirements [6]

Group 1 - The core viewpoint of the articles highlights the dual nature of AI in finance, where it enhances convenience and efficiency but also opens avenues for scams targeting investors [1] - The rise of AI tools such as smart investment advisors and quantitative trading has transformed the financial landscape, providing investors with more options [1][5] - There is a growing concern about fraudulent activities disguised as legitimate AI investment opportunities, necessitating vigilance among investors [1][5] Group 2 - The "AI Quant" scam involves individuals using the guise of AI trading models to lure investors into paying for services that ultimately lead to losses [2][3] - A specific case illustrates a social media influencer who promised high returns through an AI trading model but failed to deliver, resulting in financial losses for followers [3][4] - Investors are advised to verify the credentials of investment consultants and be cautious of promises made by financial influencers [4] Group 3 - The hype surrounding AI has led to speculative investments in companies claiming to develop AI technologies, often without substantial backing [5][6] - A case study shows a listed company whose stock price surged due to claims of developing an "industry AI model," only to see a significant drop when the project was revealed to be in its early stages [6][7] - Investors should conduct thorough due diligence on AI-related companies, focusing on their actual technological progress and business fundamentals [7][8] Group 4 - AI tools should be viewed as aids in decision-making rather than replacements for independent judgment, as they are based on historical data and cannot predict unforeseen market events [8] - The importance of maintaining a rational approach to investing, regardless of technological advancements, is emphasized to ensure long-term financial security [8]