A证券公司财富管理数字化转型案例研究

A Case Study on the Digital Transformation of Wealth Management in A Securities Company

目前,券商行业马太效应趋势放缓,金融科技能力和数字化能力的影响力日增。行业竞争呈国际化趋势,外资牌照逐步放宽。由于头部券商综合发展和中小券商特色化发展的趋势,行业并购、收购、合并事件将不断出现,经纪业务佣金收入下滑。全行业探索财富管理转型之路,资管新规、科技监管的外部环境对风控合规提出更高的要求。依赖数字化能力的支持,科技与金融加速融合,推动行业创新转型,后疫情时代进一步推动券商服务能力线上化。本文以A公司为例,研究证券公司财富管理数字化转型。

Currently,the Matthew effect trend in the securities industry is slowing down,and the influence of financial technology and digital capabilities is increasing.The industry competition is showing an international trend,and foreign investment licenses are gradually being relaxed.Due to the comprehensive development of top securities firms and the trend of specialized development of small and medium-sized securities firms,industry mergers and acquisitions,as well as mergers and acquisitions,will continue to occur,resulting in a decline in brokerage commission income.The entire industry is exploring the path of wealth management transformation,and the external environment of new asset management regulations and technology supervision has put forward higher requirements for risk control compliance.Relying on the support of digital capabilities,the integration of technology and finance is accelerating,promoting industry innovation and transformation,and further promoting the online service capabilities of securities firms in the post pandemic era.This article takes Company A as an example to study the digital transformation of wealth management in securities companies.