浙商证券李明:综合化服务应聚焦高净值客户,AI只能辅助不能替代信任建立

智通财经
Sep 11
【浙商证券李明:综合化服务应聚焦高净值客户,AI只能辅助不能替代信任建立】9月11日,由证券时报社主办的“2026金融机构年会暨证券业财富经纪论坛”在深圳举行。浙商证券首席财富官李明表示,综合化服务需先明确客群定位,普通客户难以承载综合化服务,真正需求集中于高净值客户。李明强调,高净值客户难以完全依靠AI服务,其核心是信任建立,AI只能辅助,无法替代人与人之间信任的建立和维护。高净值客户的产品配置也不能仅做标准化,应结合客户偏好与投研能力提供个性化组合。购买后的投研赋能、陪伴式服务、产品及客户生命周期服务,同样难以由AI完全替代。以差异化方式服务不同层级客户,兼顾个性化需求与成本效率,才是客户分层经营的关键。

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