同时，投顾机制日趋成熟，服务效能显著增强。胡聪慧提到，基金投顾业务自2020年试点以来，已从边缘创新逐渐走向主 流服务。2025年起，各大机构加快服务迭代，招商基金"招财乐投顾"、蚂蚁财富"帮你投"等平台在客户持有时长、资产管理规 模等方面成效显著，表明系统化、全流程的陪伴型服务有助于改善投资体验。 本报记者 毛艺融 当前，随着我国资本市场改革持续深化，投资者结构日益多元，服务与保护机制亟需优化提升。围绕如何构建更有质量、 更有效率、更具中国特色的资本市场投资者服务体系，《证券日报》记者专访了北京师范大学经济与工商管理学院副院长、教 授胡聪慧。 党的二十届四中全会明确提出"加快构建高水平社会主义市场经济体制"等重要部署。《中共中央关于制定国民经济和社会 发展第十五个五年规划的建议》进一步指出，"提高资本市场制度包容性、适应性，健全投资和融资相协调的资本市场功能"。 监管层正积极推进制度改革与机制创新。胡聪慧提到，2025年10月份，中国证监会发布《关于加强资本市场中小投资者保 护的若干意见》，明确了当前和今后一个时期中小投资者保护的总体思路和政策举措。前期中国证监会2月份发布的《关于资 本市场做好金融"五篇大 ...

Core Insights - The financial industry is undergoing an unprecedented digital transformation driven by economic shifts and technological advancements, emphasizing a new paradigm where technology is the backbone and ecosystems are the flesh [1][2]. Group 1: Global Economic Landscape and Financial Digitalization - Global economic growth is projected between 2.3% and 2.8% for 2025, with emerging Asia leading at 3.7% while mature economies lag at 1.4% [2][20]. - The divergence in economic growth is prompting distinct digital strategies, with Asian banks focusing on mobile-first services and Western institutions enhancing wealth management efficiency [2][23]. - Inflation is expected to decline to 4.2% in 2025, influencing financial institutions to adapt their risk models and operational frameworks to navigate varying regional policies [2][27][29]. Group 2: Technological Innovations in Finance - Financial technology is evolving from isolated innovations to a stage where technology integration drives ecosystem reconstruction, with AI and blockchain playing pivotal roles [3]. - AI applications in risk management have shown significant results, such as a platform predicting supply chain disruptions with 89% accuracy, reducing potential credit losses by 45% [3][33]. - Cloud-native architectures are enhancing transaction processing speeds by an average of 80%, allowing for rapid deployment and compliance monitoring [3][34]. Group 3: Regional Market Dynamics - The Asia-Pacific region is identified as a hub for financial digitalization, with the fintech market expected to grow from $46.82 billion in 2024 to $325.95 billion by 2032, driven by mobile payments and digital banking [4]. - In Africa and Latin America, mobile payment systems are leading the way, with Kenya extending financial services to remote areas and Mexico establishing a regulatory framework for fintech [4]. - The diverse growth trajectories in the Asia-Pacific region highlight the importance of tailored digital strategies, with countries like Indonesia leveraging demographic advantages for rapid digital payment adoption [4][25]. Group 4: Compliance and Security in Digital Finance - The shift towards online financial services necessitates a robust compliance and security framework, moving from reactive to proactive monitoring systems [5]. - Regulatory frameworks are evolving to require real-time risk management, with institutions implementing AI-driven compliance platforms to streamline processes and reduce error rates [5][35]. - The adoption of zero-trust security architectures and blockchain technology is enhancing the efficiency of KYC processes, significantly reducing the time required for compliance [5]. Group 5: Future Trends in Financial Digitalization - The future of financial digitalization is characterized by three main trends: ecosystem integration, intelligent services, and sustainability [6]. - Financial institutions are transitioning from service providers to ecosystem orchestrators, utilizing APIs to connect various sectors [6]. - The integration of ESG factors into financial services is becoming increasingly important, with banks using technology to track environmental impacts and incorporate them into credit assessments [6].