贝莱德为金融顾问推出人工智能工具，首位客户来头不小。
内容总结：
全球资管巨头贝莱德近日宣布，为其投资管理平台阿拉丁推出名为"自动评论"的人工智能新工具，旨在为理财顾问提供客户投资组合的智能分析服务。摩根士丹利财富管理公司成为该产品的首位机构客户，其顾问团队将于本月内率先启用这一功能。
该工具通过整合三大数据源——阿拉丁平台自有风险分析数据、财富管理机构首席投资官提供的市场展望、以及客户个人投资组合信息，自动生成定制化投资观点。贝莱德阿拉丁财富科技全球负责人泰德·斯特拉蒂格斯表示，该系统能"将数百项数据分析转化为连贯叙述"，帮助顾问快速把握客户投资组合与市场趋势的偏离度。
摩根士丹利财富管理咨询部门董事总经理克里斯·斯科特-汉森指出，这项技术将把顾问从繁重的数据整理工作中解放出来，使其能更专注于通过专业建议构建客户信任。目前该功能以要点列表形式呈现，暂不提供可直接发送给客户的完整脚本。
行业观察显示，人工智能正日益渗透财富管理领域。近期既有金融科技创业公司Hamachi.ai进入合规化客户通讯赛道，先锋集团也于五月推出了市场观点智能摘要工具。贝莱德强调，现阶段人工智能主要提升顾问服务效率，而非取代人际信任关系，未来将继续探索引入财经媒体内容作为补充数据源。
据悉，该产品目前仅向阿拉丁企业版用户开放，多家机构正在推进相关合规评估，预计后续将有更多财富管理机构跟进采用。
中文翻译：
贝莱德为理财顾问推出人工智能工具，首位客户来头不小。该集团旗下阿拉丁平台新推出的"自动解读"功能，将通过多维度数据分析为理财顾问提供客户投资组合调整建议。
这家资管巨头正为理财顾问配备新一代人工智能工具，并已赢得重要客户。本月晚些时候，摩根士丹利的理财顾问及团队成员将成为首批使用者。
贝莱德今日宣布，摩根士丹利财富管理公司成为首家部署"自动解读"功能的机构，这是阿拉丁财富管理平台最新推出的功能。该工具能生成个性化投资组合洞见，帮助理财顾问精准聚焦客户沟通要点。
阿拉丁财富科技全球主管泰德·斯特拉蒂戈斯表示："核心价值在于帮助理财顾问高效利用我们提供的数据信息，生成适用于终端客户的初版解读方案，用以说明其投资组合情况。"
这款生成式AI工具整合三大数据源为顾问构建沟通框架：阿拉丁系统内嵌数据与风险分析、财富管理机构首席投资官提供的市场展望、以及客户个人投资组合与目标。通过解析数百个数据节点，实现贝莱德所称的规模化个性化服务。例如，当系统发现客户在某类资产或个股配置超出市场预期或个人风险画像时，将及时提示。
斯特拉蒂戈斯解释道："工具能清晰呈现客户组合与机构观点及个人基准的偏离度，让顾问快速提炼关键信息。理财顾问通常需要耗费大量时间分析客户组合数据。"
当前理财顾问AI工具赛道竞争日趋激烈，客户沟通领域成为焦点。周三由金融科技资深团队创立的Hamachi.ai正式亮相，主打经合规审核的定制化客户沟通方案。五月时先锋集团也推出了能自动提炼市场观点文章摘要的AI工具。
贝莱德的"自动解读"并非生成可直接发送给客户的标准化文本，而是在阿拉丁平台模板中生成要点提示。斯特拉蒂戈斯透露，公司正探索引入新闻媒体的市场分析作为新增数据源。
摩根士丹利计划将新功能整合至其组合风险平台，该平台融合了摩根士丹利自有数据与阿拉丁风险分析。该公司财富管理部咨询业务主管克里斯·斯科特-汉森表示："该产品能将数百项分析指标与机构级市场洞见转化为连贯叙述。"
他在声明中强调："通过自动化密集型研究工作，让理财顾问聚焦核心价值——通过协助客户应对复杂市场环境来建立信任关系，实现减少数据整理时间，增加为客户提供可行见解的时间。"
斯特拉蒂戈斯透露另有数家机构正在评估该功能的合规要求，预计将成为后续客户。使用此工具需先获取阿拉丁企业授权，目前贝莱德主要与大型注册投资顾问机构接洽，但现有客户仍集中于大型银行与经纪商。
他认为人工智能将成为重塑财富管理行业的"结构性力量"，但短期内重点仍在于"提升效率，让顾问有更多时间构建客户信任、提供全面建议"。他强调："我不认为人工智能会完全取代理财顾问，财富管理行业根基在于信任，而信任本质上具有人格化特征。"
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英文来源：
BlackRock launches AI tool for financial advisors. Its first client is a big one.
The new Auto Commentary feature of BlackRock’s Aladdin platform will comb through various data inputs to give advisors suggestions on points to raise with clients about their portfolios.
BlackRock is rolling out new artificial intelligence capabilities for financial advisors, and it already has a significant client on board.
Morgan Stanley advisors and their staff members later this month will be the first to access the new BlackRock product.
The asset manager is announcing today that Morgan Stanley Wealth Management is the first organization to deploy BlackRock’s new Auto Commentary feature, the latest offering from its Aladdin Wealth portfolio management platform. The tool aims to produce tailored insights about an individual’s portfolio that can help focus the conversations advisors have with their clients.
“The key to it is really helping advisors do more with the amount of data and information that we’re serving up to them," says Ted Stratigos, global head of Aladdin Wealth Tech. “It creates that first-draft narrative that an advisor could use with their end client to explain the information in their portfolio."
The generative AI tool draws on three data sources to formulate talking points for advisors: Aladdin’s own data and risk analytics, the market outlook produced by the wealth management firm’s CIO, and information about the individual client’s portfolio and investment objectives.
The Auto Commentary tool aims to make sense of hundreds of data points within those inputs to create what BlackRock is describing as personalized service at scale. So, for instance, the tool might observe that a client is overweight on a certain market segment or an individual equity compared with the firm’s market outlook or the investor’s own profile.
“They get a very clear breakdown of how the client’s portfolio is deficient relative to the house view and to the client’s benchmark," Stratigos says, describing the tool as allowing advisors to “very quickly distill the relevant information" about a client’s investment positions. “Advisors spend a lot of time trying to understand the metrics and what’s happening in a client’s portfolio," he says.
The launch introduces the latest AI-powered tool for advisors, a crowded field that is increasingly focusing on client communications. Wednesday saw the launch of Hamachi.ai, a new venture led by a group of fintech veterans that promises to provide advisors with customized, compliance-checked communications ready to be shared with clients. In May, Vanguard announced an AI-driven tool for summarizing relevant market-perspective articles that advisors can share with clients.
BlackRock’s Auto Commentary doesn’t produce a script advisors can read or send in an email to clients, but it will generate bulleted talking points within a template that advisors can access through a tab within their Aladdin interface. Stratigos says BlackRock is exploring adding relevant market or investing articles from the news media as another data input.
Morgan Stanley advisors and their staff members later this month will be the first to access the new BlackRock product. Morgan says it will integrate Auto Commentary into its Portfolio Risk Platform, which draws on a blend of Morgan Stanley’s own data and risk analytics from Aladdin.
The product will distill “hundreds of analytics and firm-level market insights into a cohesive narrative," says Chris Scott-Hansen, a managing director at Morgan Stanley who heads the consulting group within the firm’s wealth management division.
“By automating labor-intensive research, we enable our financial advisors to concentrate on what truly matters—building trust through assisting clients in navigating complex market dynamics," he says in a statement. That adds up to “less time spent gathering data, more time delivering actionable insights to every client," he says.
Stratigos says other firms—he won’t name names—are working through the legal and compliance implications of the Auto Commentary feature and are expected to become customers.
To access the tool, a firm must have an Aladdin enterprise license—BlackRock isn’t offering the product a la carte. Stratigos says BlackRock has been in talks with large registered investment advisory firms about becoming Aladdin customers, but so far adoption has been limited to larger banks and brokerage firms.
He says BlackRock views AI as a “structural force" that will bring significant change to the wealth management industry over time. But in the near term, the focus will be on “the efficiency factor and how much time advisors could spend with their clients building the trusted relationships, doing holistic advice," he says. “I don’t see that there’s going to be a shift where AI is going to be completely replacing the advisor. I think the wealth management industry is based on a level of trust, which at this point is very personal."
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