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Tencent Wealth Management recently released the Post-90s Financial Management and Consumption Report, which shows that more and more young people prefer to manage their finances through the Internet, and 84.5% of the post-90s people choose the Internet platform, which is far higher than the proportion of traditional financial management channels such as banks. Xu Junzuo (Xinhua News Agency)

Fujian Branch of Agricultural Bank of China has shifted its service focus to mobility and intelligence, providing customers with convenient and fast financial services. The picture shows the employees of Fujian Jinjiang Sub-branch of Agricultural Bank of China handling business for customers through the "super counter". Photo by Liang Zhiqiang (People’s Vision)

　　During the epidemic prevention period, many people stayed at home, and online financial management quietly caught fire.

　　Recently, the data released by Alipay showed that the sales of platform deposit wealth management products increased by over 100%, and the fund subscription trading day increased by 400%. The sales of various online monthly wealth management products showed a "second-empty" pattern, and the live broadcast of wealth management was also widely sought after. What are the new trends in online financial management? Is it a temporary phenomenon or the mainstream in the future?

　　Recently, online financial management is particularly hot.

　　"Today’s income is more than 70 yuan, not bad." Recently, Liu Duo Jr., a Beijing office worker, made a habit of opening Alipay wealth every morning to see the income. "I haven’t bought a fund before. At most, I just put my spare money in the balance treasure, and I earn six or seven yuan a day." Xiao Liu said, "Recently, many colleagues and classmates around me are buying funds and managing money. I am a little moved, so I follow suit ‘ Get on the bus ’ 。”

　　Xiao Liu said that in the past, when she had spare money, she kept regular savings. Although the interest rate was stable, the income was low. "I am usually very busy at work, and I don’t have much time and thought to ponder over financial management, but I am often at home during this time, and I began to study financial management." Xiao Liu smiled. "I didn’t expect it to be so convenient to buy wealth management now. You can buy it directly on Alipay."

　　The data shows that after the Spring Festival this year, the transaction activity of wealth management users on Alipay has increased significantly, and the number of visits to positions and market information has doubled compared with that before the holiday. "We found that many users can’t go out and spend money during the epidemic prevention period, and they will choose to transfer their funds to do some stable financial management." According to the person in charge of Ant Wealth Operation, some regular products with income above 4% have been launched recently, which are sold out quickly after being put on the shelves every day, and the sales volume has increased by more than 100%. "This also reflects that users are more stable in investment under the epidemic."

　　Ms. Zhang from Xuzhou, Jiangsu Province is a veteran of financial management. She told reporters that in the past, it was time-consuming and inefficient to buy financial management at the bank counter. "Wealth management products are becoming more and more common in recent years." Ms. Zhang said, "In the past, when we went to the bank, we just kept a regular deposit. There were not many people who bought wealth management products. In recent years, banks have moved financial management online, which not only improves visibility and transparency, but also improves convenience. "

　　It has been some time since banks moved their wealth management from offline counters to their own online, and a recent change is that a large number of wealth management products from different banks are concentrated in third-party platforms, which has triggered a new wave of buying wealth management and fund products. For example, since February 18th, 30 financial institutions, including ICBC and Agricultural Bank of China, have put nearly 100 explosive deposits and fund products of their own into Alipay "Wealth Management Week", so that users can "buy in buy buy" just by opening Alipay, thus meeting the diversified needs of investment and wealth management. Relevant data show that Alipay has launched more than 1,000 wealth management products through cooperation with more than 300 institutions, and launched wealth management products such as term, fund and gold for investors with different risk tolerance. The risk types are divided into five grades from low to high, and it has accumulated more than 600 million users.

　　According to the person in charge of wealth management business in JD.COM, during the epidemic prevention period, the subscription transaction volume of Jingdong Financial Platform Fund remained at a high level. "The proportion of equity funds in user asset allocation has increased significantly. Taking the new fund as an example, the new fund raising has a hot momentum, which greatly exceeds the previous performance. The amount raised by a single fund has increased by 20 times compared with the past. " According to the person in charge, Jingdong Financial Platform cooperated deeply with financial institutions during this period, and recommended market-recognized star fund managers and products for investors. At the same time, during this period, the user experience is continuously optimized, so that users can enjoy a stable and secure investment and financial management experience without leaving home or staying at home.

　　"Chasing financial live broadcast like a drama"

　　Open Alipay’s homepage and enter the "Financial Week" interface. There are not only stable long-term financial products to choose from, but also high-yield funds and large bank time deposits for consumers to choose from. The long-term insurance wealth management products with an annualized rate of about 4.7% have been sold short, which shows the enthusiasm of consumers.

　　It is understood that behind the recent "second light" of online wealth management products, there is another important factor, that is, there are new changes in the ways and means of recommending wealth management products online, and the live broadcast of wealth management has attracted more users.

　　Xiao Li, who has just worked for a year and a half, has formed financial habits. Xiao Li introduced that in the past, he knew nothing about wealth management products, and he was also confused about buying them. He bought whatever the homepage recommended. Since Alipay started the "Financial Week", there has been a live broadcast of financial teaching almost every day, and Xiao Li’s understanding of financial management is refreshing every day. "I am now chasing financial live broadcasts like a drama." Xiao Li said with a smile, "This has greatly improved my financial management ability and gained a more comprehensive understanding of the market."

　　According to the data from Alipay, since the Spring Festival, nearly one million people have watched the financial live broadcast in Alipay, an increase of 63.8% compared with that before the holiday, and users in Guangdong, Zhejiang and Jiangsu have the highest enthusiasm. "post-90 s" is the main force to watch the live broadcast of financial management, accounting for nearly 40%; Nearly 13% of the live audience are middle-aged and elderly, and their enthusiasm for learning financial management knowledge is also high.

　　Lack of professional knowledge and being cheated in investment and financial management are the most worrying issues for some elderly people. Aunt Chen, who is nearly 70 years old, said that the elderly should also keep up with the trend of the times. Watching live broadcasts to buy wealth management can help them make better use of their pensions and obtain steady income. "I watched Alipay’s financial live broadcast under the leadership of my niece." Aunt Chen said, "Listening to experts and teaching financial knowledge, buying your own financial management is also more bottomed out. Sometimes I will ask questions from experts during the interactive time, and experts will reply seriously. "

　　The person in charge of wealth management business in JD.COM said that in the next step, Jingdong Financial Platform will continue to optimize the user experience according to the user characteristics, and cooperate with financial institutions by combining the popular live broadcast and other means to continuously enrich the investment content and provide professional investment categories.

　　Ceng Gang, deputy director of the National Finance and Development Laboratory, said that the transfer of wealth management investment from offline to online is a necessary adjustment for institutions to adapt to the changes in users’ consumption habits.

　　"Alipay is like Wangfujing online, and other platforms such as WeChat and JD.COM are similar to Xidan and Guomao online." Ceng Gang believes that the presence of institutions in the platform is conducive to the formation of a good ecological relationship among institutions, users and platforms, and the three parties will develop together. The traffic platform empowers institutions and improves customer satisfaction; The organization broadens the sales channels through the platform, reduces the labor cost of offline consumption, and better follows the changes of users’ needs; The platform can form a more perfect ecosystem and a new economic growth point through the presence of multiple institutions, and the needs of users can be better met in this process. The new means of financial live broadcast has also brought the parties closer.

　　The trend of online financial services is obvious.

　　"Rather than saying that online financial management has become an inevitable trend, it is better to say that the modernization and online trend of financial services is very obvious and will become the mainstream in the future." In view of the small upsurge of online financial management initiated by Alipay, Ceng Gang believes that it is nothing new for banks and other institutions to settle in third-party platforms, and it is also in line with the development and changes of the whole industry. "In the past, people were not used to frequently visiting bank websites or apps to view the latest wealth management product information. Therefore, the entrance with more online traffic has become a potential sales channel for banking institutions. The third-party platform represented by Alipay has a traffic advantage. "

　　Ceng Gang pointed out that there is a complementary cooperative relationship between financial technology platforms and banks, and this relationship will become more and more obvious. Taking Alipay and Bank as examples, Alipay platform has expanded the bank’s sales ability on the Internet. At the same time, Alipay can also give full play to the platform traffic advantage in cooperation.

　　However, online financial management also has some shortcomings. Ceng Gang said that the biggest deficiency of online financial management lies in the standardization of management and the division of power and responsibility. He pointed out that in the past, offline sales were compliant in form, consumer protection was in place, and problems and disputes were better solved, while online financial management still needed to be strengthened in terms of consumer protection and future rights and responsibilities confirmation. "Because more and more products are sold online, but banks don’t meet consumers, how do banks know that the products they sell are suitable for customers? At the same time, banks are not sure whether customers understand the risk-return characteristics behind products. " Ceng Gang said.

　　At the end of last year, the People’s Bank of China Banking and Insurance Regulatory Commission and China issued the Notice on Regulating the Management of Cash Management Financial Products (Draft for Comment). The Notice pointed out that commercial banks and bank wealth management subsidiaries should strengthen the management of investors’ appropriateness when selling cash management products, fully disclose information and risks to investors, and must not publicize or promise to protect the capital, and must not exaggerate or unilaterally publicize the investment income or past performance of cash management products. Commercial banks and banking subsidiaries shall, according to the business nature and risk characteristics of cash management products, establish and improve the business management system of cash management products, formulate and implement corresponding risk management policies and procedures, ensure the continuous and effective identification, measurement, monitoring and control of various risks of related businesses, and ensure that the management scale of cash management products matches their own personnel reserve, investment and research and customer service capabilities, risk management and internal control level.

　　Ceng Gang believes that in the next step, institutions should better regulate the process of online wealth management sales, and make detailed responsibilities in protecting consumers’ rights and interests. "While institutions and platforms adapt to the changes in consumer financial behavior, the regulatory level also needs corresponding system supervision rules to create better conditions for the healthy development of the business."

　　For individual investors, Zhang Yu, director of Alipay Wealth Group, suggested adopting the strategy of "one stable, two divided and three deadlines". Specifically, "one stability" means that investment and financial management should be seen as believing and everything should be implemented in a written contract; "Dichotomy" means that investors should allocate funds according to different investment preferences, taking into account different rates of return; "Three-term" means that all investments should be divided into three categories according to the term, and sufficient current or liquidity funds should be reserved for emergencies.

　　CCTV News: Holiday consumption is a window to observe China’s economy. This New Year’s holiday, we found a new trend of consumption in the data, and we also felt the enthusiasm for consumption that continued to heat up.

　　According to the data, as of mid-December, the overall domestic travel orders in New Year’s Day holiday in 2024 increased by more than 3 times compared with last year, hotel orders increased by more than 5 times, air tickets increased by 205%, and holiday orders such as customized tours with groups increased by 240%.

　　Ice and snow economy is becoming the growth point of winter consumer market. The data shows that in November, the search volume related to "skiing" increased significantly year-on-year, and the number of ski ticket group purchase orders increased by 788% compared with the same period in 2019. The Yabuli Scenic Area in Heilongjiang has received 200,000 tourists since its opening in November, with a maximum reception of 8,000 people per day, a record high.

　　"North-South Cross" has become a new trend of consumption on New Year’s Day. The data depicts such a road map of people’s holiday travel: among the tourists who love to travel to the Northeast, the number of tourists from Guangzhou, Shenzhen and Shanghai ranks in the top three, while warm southern cities such as Sanya in Hainan, Kunming in Yunnan and Nanning in Guangxi have become popular destinations for northern tourists to "avoid the cold and cross the New Year". Tourists coming from afar drive the consumption growth of local hotels, scenic spots, restaurants and other formats, and inject fresh water into the local economic development.

From October 31, 2022 to November 2, 2022, the World Urban Day 2022 and the Second Global Conference on Urban Sustainable Development, jointly sponsored by the Ministry of Housing and Urban-Rural Development, Shanghai Municipal People’s Government and UN-Habitat, were held in Shanghai.

On the afternoon of the 1st, at the 2022 World City Day China Urban High-Quality Development Forum, Liu Jianfeng, executive vice president and chief financial officer of Xinao Energy, delivered a keynote speech focusing on the thinking of smart city construction, focusing on the services provided by Xinao Energy in family quality life, energy and carbon management of enterprises, and smart upgrade of cities after its strategic upgrade to "New Austrian Smart City".

Xinao Energy is one of the largest distributors of clean energy in China. Its main business is to provide customers with natural gas and other kinds of clean energy products, provide energy-carbon integration solutions and develop diversified products and services around customer needs. By the first half of 2022, Xinao Energy had operated 254 urban gas projects in 20 provinces, municipalities and autonomous regions across the country, serving more than 26.8 million household customers and 210,000 industrial and commercial users, covering a population of 128 million.

Liu Jianfeng said that Xinao Energy, guided by customer demand and based on the accumulation of more than 30 years’ business practice, has a deep insight into the actual needs and transformation trends of families, enterprises and cities in the process of social and economic development, and has clearly defined its new development orientation and new fulcrum, and its strategy has been upgraded to "New Aozhi City". As a smart city service provider focusing on family quality life and enterprise energy and carbon management, Xinao Energy is committed to becoming a "digital intelligence leads change, creates quality life, and achieves’ double carbon’ and innovation".

It is the earliest customer group served by Family Xinao Energy. Over the years, with the continuous improvement of material living standards, family customers’ energy consumption, safety, health, tourism, home and community have released new growth space. The E-home service platform of E-city, built by Xinzhicheng with digital intelligence technology, integrates various ecological partners of Xinao, and intelligently launches customized intelligent services and products for family customers to meet diverse needs. In Liu Jianfeng’s speech, the Smart Home Experience Center of the New Olympic Wisdom City will build a community service experience center that integrates intelligent security, health housekeeping, entertainment and recreation, peripheral services, green travel, low-carbon energy saving and whole-house intelligence.

As an enterprise that has been deeply involved in the clean energy industry for many years, Xinao Zhicheng has been guided by the concept of universal energy in recent years, providing energy and carbon integration solutions for different types of customers such as parks, factories, buildings, transportation, etc. At present, industrial upgrading has stimulated the new demands of many enterprises’ digital transformation and green transformation. New Aozhi City uses digital intelligent technologies such as Internet of Things, big data and artificial intelligence, and relies on the intelligent ecological platform of energy and carbon industry to carry out scientific management of energy and energy efficiency, promote the integration of energy planning and urban planning, help the construction of modern energy system, and realize the coordinated development of energy utilization and society, economy and environment.

In the speech, Liu Jianfeng introduced the specific cases of New Aozhi City in low-carbon parks, low-carbon factories, low-carbon buildings and other fields from the aspects of customer pain points, scheme design, effectiveness and value. As of the first half of the year, New Aozhi City has built 66 low-carbon parks and 899 low-carbon factories, saving 2.8 million tons of standard coal for customers and reducing carbon dioxide emissions by more than 52 million tons.

As one of the important service forces of public utilities, New Aozhi City is responsible for the investment, construction, operation and management of gas pipelines and other infrastructure. Liu Jianfeng said that infrastructure is the lifeline of a city and the foundation for supporting production and life. In the process of building a smart city, the infrastructure of a city needs to be upgraded through the integration of knowledge and wisdom. Xinzhi City has started and will accelerate the digital upgrading of urban infrastructure such as gas pipe network and heat pipe network, and help smart city construction. (Image source Xinao Group)

With the development of artificial technology, the protection of intellectual property has gradually extended from the traditional protection field to the field of intellectual property protection. Artificial intelligence technology can be applied to the research and development of artificial intelligence technology and intellectual property protection. In the future, artificial intelligence will be applied to the fields of intellectual property creation, protection, application and innovation, which will have a positive impact on society, economy, culture and politics.

Intellectual property protection is an important guarantee for the healthy development of the global economy. Internet-based information technology and Internet economy have become an important force to promote global industrial upgrading and industrial structure adjustment. While promoting economic development, they also provide important support for the healthy development of China’s economy. However, the development of intellectual property protection in China is still in its infancy. There are still many problems and defects in this field of intelligence.

For example, China is still at an early stage in the field of online advertising, and its technical level is not high, so users’ interpretation of advertising content is misleading. The legal protection of civil rights of intellectual property rights such as copyright of written works and the right of information network transmission in China is not perfect enough; China has not yet established a perfect intellectual copyright protection system. These all restrict the development and application of intelligent patent technology. In addition, there are still some problems such as backward intellectual property protection concept, imperfect system and so on. To solve the above problems, artificial intelligence can be applied to software copyright design, inventions, copyright registration, trademark registration and other fields in the future.

Intellectual property protection is an indispensable part of China’s economic development and an important foundation for China’s scientific and technological innovation and industrial development. China is the world’s largest trader of goods and the world’s second largest economy, which plays a pivotal role in promoting international cooperation. In the future intellectual property protection, the ability to use artificial intelligence to solve technical problems can meet the needs of national and social governance and consumer demand. And innovative research and development in the field of artificial intelligence will provide new choices and new impetus for intellectual property protection in China. The era of artificial intelligence is driven by the innovation of information economy, which will provide new kinetic energy for intellectual property protection.