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专题:中国宏观经济论坛(CMF)2025

  中国人民大学中国宏观经济论坛(CMF)季度论坛(2025年第一季度)于4月26日举行,中国人民大学经济学院教授、中国宏观经济论坛(CMF)主要成员于泽指出,十五五时期,我国银发经济将真正开启商业化时代。

  于泽表示,在十五五期间,我国“六零后”人群会全面进入到退休年龄。“一种观点认为这代表着中国会快速进入深度老龄化。但实际上我们更要看到的是‘六零后’是一个非常独特的群体,和我们传统的‘四零和五零后’是完全不一样”。

  于泽解释,“六零后”是完整拿到改革开放红利的一代人,“六零年,他们出生,从七八年改革开放工作的时候,正好18岁进入劳动力市场,第二,我们的社保是在九八年之后全面铺开建设的,这又完整的对应着我们六零后群体,所以这意味着六零后群体的社保覆盖率和社保量是非常大的,这两个合起来其实简单就是一句话,六零后,他们在退休之后是有钱又有时间的,第三,60多岁退休时他们的身体还非常好”。

  “又有钱又有时间身体又好,其实这就是大家现在经常开玩笑讲的‘朝气蓬勃的老年人’”,于泽说,这样的群体就意味着我国银发经济将真正开启商业化时代。

  “原来大家经常讲银发经济,但银发经济并不是年龄大了就会有银发经济,而一定要有真实的购买力,而六零后群体退休之后,对于银发经济的全面开放将会奠定一个基础”。

  (来源:金石杂谈)

  转自:金石杂谈

  昨夜今晨,被两位大佬的言论刷屏了,刘煜辉最新观点:我相信,A股会出现Winner‘spremium的行情,即胜者溢价行情。

  此外,他还表示,不打还能盖住,一打全露馅了,比如俄乌冲突。

  金石发现,特朗普发出惊人言论:据新加坡《联合早报》网站4月25日报道,美国总统特朗普说,他正向俄罗斯施压以促成结束乌克兰冲突,并声称莫斯科已同意“不全面吞并乌克兰”,称这是“一项重大让步”。

  刘煜辉还表示,活跃和稳定股市,翻译一下就是“搭台唱戏”。五六两个月是斗争的关键期,川这两个月面临物价大幅上涨和六万亿债务到期。股票市场做好活跃,主题交易,也是业绩空窗期。 

  好了,结论很明白了,A股有胜者溢价,五六月会活跃和稳定股市。

  AI技术的深度融入,正在重构金融新生态。与此同时,数据安全、算法伦理等问题迫切呼唤全新治理模式。

  昨天,中欧国际工商学院、上海现代服务业联合会、上海金融业联合会与上海证券报·中国证券网、中国金融信息中心联合主办的“中欧虹口数智金融会客厅启动·2025CLF50春季会议”在沪举行。

  中欧国际工商学院院长、中欧陆家嘴金融50人论坛联席主席汪泓在致辞中围绕“AI赋能,推动金融体系现代化变革”,阐述了人工智能如何深刻重构金融业务的边界、服务模式和市场格局。她认为,AI正以前所未有的速度与深度影响着金融行业的未来“走向”:从“板块割裂”走向“场景融合”,AI打通数据壁垒,推动银行、保险、投行等业务板块协同渗透,构建全场景服务能力;从“产品导向”走向“用户赋能”,技术提升金融服务的个性化与前瞻性,让服务更贴近真实需求;从“机构主导”走向“生态共生”,平台化趋势增强协同创新,催生开放共赢的产业生态。

  她强调,既要正视AI冲击带来的阵痛,如岗位转型、监管滞后、伦理争议等,更要积极拥抱变革,把握现代化变革中的机遇。未来,希望通过政产学研的协同创新,共建共享数智金融新生态。

  多位来自业界与学界的嘉宾围绕“AI驱动下的金融创新与治理变革”展开深入研讨,聚焦人工智能如何推动金融转型升级、优化监管体系、重塑行业生态,探讨其应用前景与现实挑战。

  上海现代服务业联合会副会长兼金融科技专委会主任马弘表示,人工智能正以前所未有的速度加速渗透金融行业,从外围辅助工具逐步深入核心业务流程,特别是在资产创设和产品设计等环节展现出深远影响。他归纳了AI在金融机构内部的四类典型应用场景:一是知识问答类助手,已实现近98%的效率提升;二是信贷辅助工具,正快速从“不可用”走向“可用”;三是深度语义与归因分析,正处于初步试点阶段;四是代码生成和产品设计,成为突破焦点。他指出,AI不是替代银行,而是重塑金融产品设计逻辑与运营模式,金融机构需从战略高度审视技术变革,提前布局,应对潜在的系统性重构。

  百年保险资管公司董事长杨峻指出,传统金融机构在AI应用上与互联网平台之间存在明显差距,根源在于战略认知与商业模式上的错位。他强调,AI应与机构核心战略深度融合,特别是在财富管理领域,AI有望打破“销售驱动”的路径依赖,实现从“卖产品”到“做陪伴”的模式转型。他建议,金融机构推进AI转型应设立明确、可量化的阶段性目标,通过“小步快跑、持续迭代”实现价值转化。

  恒生电子执行总裁、恒生启金科技董事长官晓岚分享了大模型在金融各业务环节的落地实践,指出投研、投顾等数据密集型场景已显著提升效率与服务水平。他特别指出,风险与合规场景中“幻觉容忍度低”是技术应用的关键门槛。为此,恒生联合蚂蚁集团共建金融知识数据库,提升输出准确性,并与华为合作推出高性价比算力解决方案,帮助更多资本市场机构迈过大模型门槛。“AI不是替代,而是再造。底座强,场景才跑得动。”他强调,真正释放AI价值的关键在于夯实数据治理与底层技术架构。

  上海交通大学上海高级金融学院兼聘教授、上海市支付清算协会副秘书长马颖则从制度与理论的高度指出,AI作为高度演进的通用技术,虽在需求侧高度匹配金融行业难点,但落地路径仍存在明显“认知落差”。她强调,AI应用必须嵌入合规、伦理与制度体系之中,不仅要回答“能不能用”,更要明确“怎么用”“用到哪”“谁来负责”。她提出,未来金融治理的规则制定将从静态均衡走向动态演化与生态共建。

  上海市欧美同学会金融分会副会长、安道资本创始合伙人岳学军从投资人视角指出,当前AI发展正处于基础设施构建、模型突破与场景验证“三位一体”的阶段,IDC、算力、数据体系的完善为大模型与多模态AI奠定基础,而垂类AI应用正成为早期投资的关键窗口。他认为,中国的企业将在这一轮AI浪潮中迎来前所未有的发展机遇。展望未来,通用人工智能将是行业中长期发展方向,而在金融行业中,真正践行“普惠”与“平权”的科技型企业,将最具长期价值与社会影响力。

  原标题:《人工智能如何推动金融转型升级?他们这样说》

  栏目编辑:金志刚题图来源:采访对象供图

  来源:作者:新民晚报杨硕

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