Investment and financing risk prevention control system and method

Abstract

The invention discloses an investment and wealth management risk prevention and control system, which includes an online learning module, a risk type evaluation module, a risk control ball game module, an investment tool library, a risk case library, a member center module, a unified interface module, a risk prevention and control module, an asset Configuration module, risk prevention and control artifact module (including age financial planning artifact module, pension financial planning artifact module, target financial planning artifact module, comprehensive financial planning artifact module, asset allocation diagnostic artifact module and investment risk control officer diagnostic artifact module) and special topics Report generation module; the present invention discloses a method for preventing and controlling investment and financial management risks, including establishing a financial management risk control concept, self-diagnosis and analysis of risk control, investment and financial risk control learning, investment and financial risk control practice, and self-tracking risk control adjustment. The system and method of the present invention focus on asset allocation and risk prevention and control, and provide Internet users with investment and financial management risk prevention and control services.

Description

technical field [0001] The present invention relates to the fields of Internet financial information technology and investment and financial management risk prevention and control, and specifically relates to a system and method for investment and financial management risk prevention and control. Background technique [0002] Traditional similar systems and methods mainly focus on investment and financial risk warnings, coupled with factors such as user privacy, service scope, value orientation, and conflicts of interest of investment consultants, which seriously affect the effect of investment and financial risk prevention and control. Compared with it, its disadvantages mainly include the following points: [0003] 1. Not objective and neutral enough, merchants tend to recommend products based on their own interests, especially recommending products issued by themselves. Although there are risk warnings, they lack objectivity and neutrality, which can easily mislead invest...

AI Technical Summary

Problems solved by technology

[0004] 2. Do not pay attention to risk prevention and control. Due to interest factors, traditional methods do not pay attention to investor risk warning and learning of risk prevention and control, resulting in users' lack of awareness of risk prevention and control capabilities, and purchase of wealth management products that do not match investors' own risk tolerance , the risk increases, and even the principal loss

[0005] 3. The consideration of risk factors is biased. The traditional method of reminding risks is mainly based on the product risks of the investment and wealth management products that are promoted and sold, and does not consider many risk factors other than the product itself, such as the investor's family situation, financial situation, and future goals.

[0006] 4. The risk prevention and control strategy is single, and the traditional methods provide relatively few risk prevention and control strategies, and they are relatively simple, such as the risk control strategy for a certain investment tool, or the risk control strategy for a certain wealth management product, etc.

[0007] 5. User privacy is easily violated. In traditional methods, when investment and financial advisors understand some basic information and risk tolerance of customers, if the professional ethics level is low, it is easy to leak customer information and bring harm to customers.

[0008] 6. The service quality is low. The service quality of the traditional method is restricted by many factors such as the investment and financial consultant's own knowledge level, work experience, proficiency in investment tools, etc.

[0009] 7. The service scope is small, and the traditional method system is deployed in the company's internal LAN, which is convenient for investment and wealth management consultants to serve some high-net-worth customers

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