Page 48 - CCFA Journal - 8th Issue

协会论坛 CCFA Forum 加中金融

行业未来的趋势

Ashley Warburton 认为在利用数据做投资决策的方式上发生了翻天覆地的变化。以前需要分析师完成的报告，现在可以
由人工智能根据报表实现。所以她认为，进步、技术和数据在迫使行业提高解释数据的能力。与此同时，她喜欢与持有不
同观点的人交流，阅读不同平台的内容，这有助于她塑造多样化的思维模式和看待事物的角度。

Anthony Lam 的看法主要围绕在私人银行业务上。他认为最大的新兴趋势之一是：高净值客户的需求比以往任何时候都更
加复杂。十几年前，他们被房地产投资所吸引，而如今他们更加看重组合结构、税收、税收效益等以确保他们的资产价值
能最大化的留给下一代，并把他们的孩子送到加拿大。这就导致了亚洲财富向加拿大的转移，所以他认为这会是未来的一
大趋势。

Pengfei Sun 认为未来的佣金有降为零的趋势。美国的自助服务平台几乎是免佣金的，然而加拿大目前还做不到。但我们
都知道这一天早晚会到来。一方面，虽然如今顾问会收取一定比例的佣金，但客户一直以来都质疑是否要支付它。另一方
面，随着科技的发展，如果科技公司有一天能覆盖顾问的职责，那么佣金费就更加没有必要支付了。即便监管者制定了一
些政策保护他们，但顾问也必须要做好面对零佣金情境的准备。

MY: One last question, what are your views on the future of the wealth management industry?

AW: Data is becoming more important for making important investing decisions. Previously we depended heavily on analyst
reports, but much of this can be done through machine learning methods. I think an improvement in both access and a skill set for
data analytics would help discover new methods for asset allocation. I have also found many benefits listening to different
opinions in the investing space, including podcasts and blogs by Barry Ritholtz and his compatriots.

AL: My current role revolves around private banking, and a clear trend is the multi-faceted needs of ultra high net worth clients
from China. Ten years ago, they came to Canada to buy real real estate, therefore their financial needs such as asset allocation,
estate management, and taxation revolved around this. Going forward, it will be very different. Anyone who is able to service the
massive wealth transfer from these individuals to their children in Canada will become very successful.

PS: Many wealth management products today are moving towards lower and lower fees, including those robo-advisors who
purport to charge 0% on managing client money. We know this is coming to Canada, but it hasn’t happened yet. Clients continue
to question the value added for the fees they are being charged. It may be that technology will replace much of the fee-charging
services being offered today, but this would be transferred to other areas of the ecosystem, this remains to be seen.

MY: Thank you Ashley, Anthony, and Pengfei for sharing your insights with our audience today.

后记

在论坛的最后，三位发言人依次解答了提问者关于职业规划和行业发展的问题。观众和嘉宾各抒己见，畅所欲言，为本次
论坛画上圆满的句号。

虽然本次活动是自疫情以来的第一次线下论坛会议，但是整体流程顺畅，节奏紧凑，座无虚席。相信观众们也一定通过本
次论坛会议受益良多。加拿大中国金融业协会(CCFA)旨在成为加拿大和中国金融业民间交流的重要平台，作为政府值得信
赖的顾问和行业倡导者。在过去的二十年中，CCFA 在加拿大和中国举办了多场金融论坛，研讨会和讲习班，成为金融从
业人员吸收最新资讯和理念的桥梁，也期待更多有热情的行业志愿者的加入。

CCFA JOURNAL OF FINANCE August 2022
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