当AI迈进金融业应用深水区，将带来哪些价值重构？11月19日，由南方都市报社、湾财社、深圳市财 富管理协会主办的2025（第十一届）湾区金融年会在深圳举行。本届金融年会以"AI新浪潮 金融新生 态"为主题，邀请金融领域大咖、科学家与专业机构代表，共同回应"AI+金融"的时代之问。 现场，平安集团首席科学家肖京围绕《人工智能赋能金融业务数字化高质量发展》展开深度阐述，为金 融机构如何借 AI 把握变革、构建竞争优势提供了清晰路径。在他看来，新一代人工智能将掀起"效率 +智慧"双重提升的浪潮，并加速推动智能化转型升级，迎来客户、模式、生态三大变化。 中国平安首席科学家肖京 人工智能迈入"能学习、强思考、触类旁通"新阶段 深度融入企业应用与用户体验， 金融风控领域成亮点 那么，伴随着新一代人工智能技术的转型升级，将开启哪些社会级和企业级的应用？又如何打通 "技 术、场景、价值" 闭环？ 肖京认为，新一代人工智能技术将带来客户、模式、生态三大变化。以客户变化为例，一方面，客户对 人工智能模型的信任度不断提高；另一方面，在AI模型的助力下，客户之间的认知差距逐渐缩小，客 户群体也从专业人士转为普通大众，使得客户基数大幅 ...

Core Viewpoint - The integration of AI technology into the securities industry is transforming traditional investment advisory services, enabling firms to offer personalized, efficient, and comprehensive investment solutions to clients [1][2]. Group 1: AI Integration in Securities Firms - Over the past year, more than ten securities firms, including Guosen Securities, GF Securities, and China Galaxy, have launched AI investment advisors, AI digital humans, or AI voice assistants, covering the entire investment lifecycle from pre-investment strategies to post-investment support [1][2]. - AI assistants are enhancing various functions such as customer service, research analysis, compliance management, and marketing, becoming essential tools in the digital transformation of securities firms [2][4]. Group 2: Specific AI Applications - Guosen Securities' "Xin Investment Advisor AI Assistant" supports over 3,000 investment advisors by automating tasks like individual stock diagnosis and compliance documentation, significantly improving service efficiency [2]. - GF Securities' "Yitaojin App" introduced an AI voice command feature, allowing clients to perform stock queries and transactions through voice, enhancing user experience [2]. - China Galaxy Securities is focusing on deepening buy-side services and enhancing its self-developed advisory platform "G-Winstar" to improve marketing service systems [3]. Group 3: Technology and User Experience - Many securities firms are utilizing large models like DeepSeek and Qianwen, integrating them with proprietary strategies and data to provide personalized services across various platforms [4][5]. - The AI assistants are designed to support multiple interaction formats, including text, voice, charts, and market data, emphasizing personalized service based on client trading behavior [4][5]. - The competition among securities firms has shifted from merely having AI capabilities to the effectiveness and usability of these tools, with a focus on understanding regulations and client needs [5].

Core Insights - The wealth management sector of securities firms is showing performance elasticity against the backdrop of a recovering capital market, with a reported net income of 115.15 billion yuan in 2024, marking a year-on-year increase of 16.98% [1] - Despite growth, the sector faces challenges such as market volatility, declining fees, intensified competition, and increased complexity in compliance management [1] - The demand for specialized services in equity investment and asset allocation is driving the transition of wealth management towards a buyer advisory model, termed as phase 3.0 [1][2] Company Overview - As of the end of 2024, the company operates nearly 70 branches nationwide, serving approximately 1.8 million clients and managing assets close to 150 billion yuan [2] - The wealth management business has evolved through three stages: from transaction service (1.0), to product sales (2.0), and currently to asset allocation services (3.0) [2] Wealth Management Strategy - The company launched the "Yue Guanjia" wealth management brand, which includes three service systems: investment advisory, private wealth, and corporate services [3] - The strategic framework for wealth management is summarized as "two foundations + three directions," focusing on stabilizing brokerage and margin trading while innovating in digital finance, private wealth, and institutional business [5] Organizational Structure - In Q1 2025, the company restructured its wealth management division from three departments to five, enhancing the focus on client management and professional support [6] - The company emphasizes building a licensed investment advisory team, with plans to recruit and train talent through partnerships with educational institutions [6] Digital Financial Innovations - The establishment of a digital finance department aims to provide integrated, online, and intelligent services to retail clients [7] - The company is developing a comprehensive internet advisory product and service system, integrating educational content, research reports, and curated investment portfolios [7] Private Wealth Business - The private wealth business is in its early stages, targeting affluent, high-net-worth, and ultra-high-net-worth clients with tailored products and services [8] - The company plans to enhance its product offerings and service capabilities by recruiting additional private wealth advisors and establishing a collaborative organizational structure [8] Corporate Services - The "Yue Guanjia Corporate Services" aims to provide comprehensive financial services to corporate clients, leveraging partnerships with various business sectors [9][10] - The corporate finance business has seen significant growth, with a year-on-year increase of over 40% in scale and over 50% in new institutional clients [10] AI and Technology Integration - The "AI Investment Advisor Assistant" is a tool developed to enhance investment advisory services, utilizing advanced AI models for market analysis and client engagement [11] - The company plans to expand its AI applications across various business lines, focusing on efficiency, scenario penetration, and ecosystem empowerment [11] Challenges and Strategic Focus - Key challenges for the wealth management sector include strategic choices, organizational structure, product selection, customer acquisition, and operational management [12][13] - The company aims to address these challenges by refining its strategic direction, enhancing organizational vitality, and optimizing customer relationship management [12][13]