Asset allocation strategy matching method and device

Abstract

The invention provides an asset allocation strategy matching method and device. The method comprises the following steps: determining the loss range limiting value and the profit degree limiting value of a user; for each candidate asset allocation strategy, determining the portfolio return and the combination volatility of each candidate asset allocation strategy; according to the portfolio return and the combination volatility of each candidate asset allocation strategy, determining a probability that the loss range of each candidate asset allocation strategy is greater than the loss range limiting value, and the probability that the profit degree is greater than the profit degree limiting value; selecting a target asset allocation strategy from the candidate asset allocation strategy, wherein the probability that the loss range is greater than the loss range limiting value and the probability that the profit degree is greater than the profit degree limiting value conform to a preset probability condition; and recommending the target asset allocation strategy to the user. The asset allocation strategy matching method provided by the invention can recommend the asset allocation strategy which has a high matching degree with the practical requirements of the user to the user, and improves the service experience of the user.

Description

technical field [0001] The invention relates to the technical field of data matching, in particular to an asset allocation strategy matching method and device. Background technique [0002] The asset allocation strategy refers to the strategy of allocating the user's assets (such as funds, etc.) among different asset categories according to the user's needs and risk attributes. The usual asset allocation strategy is to allocate assets between low-risk, low-yield, and high-risk , allocation among high-yield assets and other strategies. Banks are an important unit for managing user assets. Bank staff often need to recommend asset allocation strategies for users based on the actual situation of users. Therefore, how to recommend matching asset allocation strategies for users is particularly necessary. [0003] The current asset allocation strategy matching method is mainly that the bank staff select the asset allocation strategy recommended to the user from multiple candidate ...

AI Technical Summary

Problems solved by technology

[0003] The current asset allocation strategy matching method is mainly that the bank staff select the asset allocation strategy recommended to the user from multiple candidate asset allocation strategies based on their own experience, the user's asset situation and needs; this asset allocation strategy matching method Mainly, the bank staff subjectively selects the recommended asset allocation strategy from multiple candidate asset allocation strategies according to the user's asset situation and needs. The recommendation results are limited by the professionalism and experience of the bank staff, and there are often recommended asset allocation strategies The policy does not match the actual needs of users, which undoubtedly reduces the service experience of users;

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