盈米基金肖雯:AI让买方投顾突破“不可能三角”,从组合跟投走向账户管理

智通财经
Sep 11
【盈米基金肖雯:AI让买方投顾突破“不可能三角”,从组合跟投走向账户管理】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。盈米基金董事长肖雯在主题演讲中表示,财富管理机构在买方投顾转型走向深水区的过程中,面临业务模式惯性与运营效率两大挑战。就业务模式惯性而言,当前行业普遍采用的组合跟投本质上仍是产品形态,难以真正围绕客户账户和人生目标展开;就运营效率而言,面向大众富裕客群做个性化定制,传统人工模式成本高、效率低,投顾人才短缺且服务质量难以保持一致。她认为,买方投顾应走向账户管理,基于客户不同久期的资金做规划与配置。肖雯认为,AI让财富管理行业有望破解个性化深度、规模化广度与服务质量一致性之间的“不可能三角”。AI可重构客户服务、投顾服务与组织协同能力,把投顾从信息处理中解放出来,回归经营温度与信任。

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