ANN@The China Post

機器人現在越來越能幹,不但可以做服務員、做廚師、做律師,還可以做理財顧問。據報導,高盛和摩根士丹利都將推出自己的機器人顧問,其他的大型公司則開始與已有的機器人諮詢公司合作,或者收購它們。

Goldman Sachs, known for advising the world’s richest and most powerful, is building a so-called robo-adviser geared to affluent customers, according to a job listing posted on the bank’s website. 高盛集團一向以為全球最富有最具權勢的群體提供諮詢服務著稱。根據該銀行在其網站上發佈的職位可知,高盛正在打造面向富裕客戶的機器人顧問。

A Goldman spokesman declined to comment. 高盛的發言人拒絕評論此事。

The job posting for employees to help build the platform comes as Goldman is looking at ways to broaden its customer base outside the super wealthy, including making deeper inroads into new consumer-focused businesses. 高盛正在尋求途徑擴展極富群體以外的用戶群,包括更深入地開展新的面向消費者的業務,此時招聘的便是能夠建立這樣平臺的雇員。

The bank last year launched Marcus, its first major foray into consumer lending, as well as a complementary deposit-taking platform after acquiring GE Capital’s online bank. It also acquired Honest Dollar, an online retirement savings platform for small businesses and startups. 去年,該銀行在收購通用電氣資本的網上銀行後,便啟動了其首個消費者借貸平臺Marcus以及一個互補性吸收存款平臺。高盛還收購了Honest Dollar,這是一家面向小型企業和初創公司的線上退休儲蓄平臺。

The robo platform would sit within the bank’s rapidly growing investment management division, according to the ad. The unit, which Goldman has been trying to build out in recent years to diversify its revenue, posted a record $1.38 trillion in assets under supervision at the end of 2016. 據廣告稱,該機器人平臺將劃在銀行快速發展的投資管理部門內。高盛近年來一直試圖實現此部門收入多元化。2016年年底,該部門監管下的資產總值創下了1.38萬億美元的紀錄。

Goldman has for years grappled with how to tap into the mass affluent segment, broadly defined as those with less than $1 million in investable assets, without diluting the brand of its private wealth business which is considered a jewel within the bank, according to people familiar with the matter. Goldman’s US private wealth business typically advises clients with an account size of around $50 million. 廣義上,大眾富裕階層為可投資資產不足100萬美元的人群。根據知情人士提供的資訊,高盛多年來一直努力在不影響其重要業務品牌——私人財富業務情況下,打入該階層。高盛在美國的私人財富業務,通常為擁有約5000萬美元帳戶的客戶提供諮詢服務。