Digital Intelligence Empowers Wealth Management Transformation: Guojin Securities' AI Investment Advisory Opens a New Era for Buy-Side Advisory Services

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（Source: Caixin News）

In Guojin Securities’ wealth management practice, “AI + human” is not simply a division of functions but a comprehensive restructuring of service capabilities.

As China’s capital market continues deepening reforms and residents’ wealth allocation structures optimize, the wealth management industry is entering a critical window for transformation from “channel-based services” to “buy-side advisory services.” Digitalization and intelligence have become the core engines for high-quality industry development. In the securities sector, many brokerages leverage their professional research advantages to promote inclusive finance, bringing institutional-level research capabilities to the general public, aiming to solve industry issues such as supply and demand imbalance in wealth management services and insufficient coverage of long-tail clients.

Against this backdrop, Guojin Securities seizes the opportunity of digital and intelligent transformation, relying on years of self-developed research accumulation and fintech innovation to build an AI investment advisory system. Centered on the dual drivers of “strategy + service,” it constructs a deeply collaborative “AI + human” operational model, exploring a new path of institutional capability democratization and customized brokerage services, setting a practical benchmark for industry digital transformation and buy-side advisory development.

Focusing on industry transformation, creating a “strategy + service” dual-driven system

A relevant executive at Guojin Securities stated that the core mission of AI investment advisory is to make professional research no longer limited to institutional clients but truly benefit every individual investor. The “strategy + service” model developed by the company is not just a simple technological overlay but is based on long-term research accumulation, customer needs orientation, standardizing institutional research logic, and applying it to specific scenarios, while providing full-cycle accompanying services. This creates a complete ecosystem of “research empowerment + service support,” promoting the shift of securities firms’ wealth management from “product-oriented” to “customer value-oriented.”

In terms of strategy, Guojin Securities focuses on bringing institutional-level research capabilities to the mass investor. Relying on a decade of self-developed strategy accumulation, the platform has hundreds of investment strategies and tracks nearly a thousand effective factors, translating professional capabilities originally serving institutions into personal investment scenarios. It has launched products like “AI Stock Picking” and “AI Fund Selection,” offering potential target screening and clear signal prompts, addressing fundamental issues in stock and fund selection logic. To solve the pain points of “when to buy, when to sell,” the platform standardizes strategy signals and monitors market dynamics to assist timing decisions, upgrading from single-asset recommendations to systematic strategy support. For portfolio management, the “AI Stock Optimization” feature regularly analyzes holdings, provides precise optimization plans, and prompts new investment opportunities, helping investors manage their asset portfolios dynamically.

In terms of service integration, Guojin Securities has upgraded from merely providing strategy outputs to offering full-process investment companionship. Unlike industry-standard single-tool products, the company deeply embeds its long-term accumulated customer tagging system, customer journey management experience, and scenario-based service modules into the AI investment advisory product. Alongside strategy signals, it offers intelligent trading and continuous companionship, creating a full-process service. This approach not only enhances transparency in decision-making but also lowers the barriers for investor understanding and use, effectively increasing user trust.

Deep collaboration of “AI + human” achieves a “1+1>2” service multiplier effect

In Guojin Securities’ wealth management practice, “AI + human” is not just a simple division of functions but a comprehensive restructuring of service capabilities. AI does not replace human advisors but strengthens the entire service system’s foundation, achieving deep complementarity with human advisors. This dual effort from clients and staff ultimately results in a multiplied service value.

Focusing on clients, AI investment advisory leverages its core advantages of stability, objectivity, and sustainability to improve service accuracy and consistency; human advisors focus on macro market interpretation, strategy signal explanation, and investor sentiment guidance, strengthening investors’ understanding and trust in investment strategies. For staff, Guojin Securities builds intelligent solutions across wealth management, customer service, and platform operations, promoting efficient internal collaboration, enabling rapid responses to high-frequency client interactions, and standardizing cross-business service quality, thereby enhancing overall operational efficiency.

The essence of “1+1>2” lies in redefining service boundaries: AI raises the baseline of professional service capabilities, ensuring strategy logic is unified and signals are transparent and traceable; human advisors elevate the service experience, focusing on long-term companionship and trust building. In the trust-centered wealth management industry, this “standardized foundation + personalized upgrade” stable service model is Guojin Securities’ core competitive advantage.

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