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Financing product recommendation method

A recommendation method and product technology, applied in the field of financial investment, can solve problems such as inaccuracy, uncertainty, and robo-advisors cannot meet investment needs, and achieve the effect of large investment returns

Inactive Publication Date: 2017-11-17
杭州铜板街互联网金融信息服务有限公司
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Problems solved by technology

Therefore, there are the following disadvantages: on the one hand, robo-advisors with stock and fund products as investment objects cannot meet the investment needs of most non-standard wealth management users; on the other hand, users may be affected by personal psychology when filling out questionnaires. Therefore, only the results of the questionnaire survey cannot accurately describe the risk tolerance of the user, and there is great uncertainty or inaccuracy

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Embodiment Construction

[0045] The above and other technical features and advantages of the present invention will be clearly and completely described below in conjunction with the accompanying drawings. Apparently, the described embodiments are only some of the embodiments of the present invention, not all of them.

[0046] Such as figure 1 As shown, a financial product recommendation method includes the following steps:

[0047] S101: Set user group categories, and initialize various category centers;

[0048] S102: Obtain the user's historical transaction behavior records, and calculate the user's liquidity demands according to the obtained historical transaction behavior records;

[0049] S103: Obtain the user's risk assessment results, and combine the user's historical transaction behavior records to measure the user's risk tolerance. In this embodiment, the risk assessment results are obtained in the form of questionnaires;

[0050] S104: Determine the category to which the user belongs accor...

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Abstract

The present invention provides a method for recommending wealth management products, comprising the following steps: setting user group categories, and initializing various category centers; obtaining historical transaction behavior records of users, and calculating user liquidity appeals according to the acquired historical transaction behavior records ; Obtain the user's risk assessment results, and combine the user's historical transaction behavior records to measure the user's risk tolerance; determine the user's category according to the user's risk tolerance and the Euclidean distance from the liquidity appeal to the category center; filter the user's belonging The product combination with the highest yield or the highest liquidity in the category is the current user configuration scheme to generate the corresponding product combination. The present invention focuses on user research, combines user behavior characteristic analysis, questionnaire survey, etc. to describe user attributes more accurately, thereby helping users improve asset allocation in combination with their own investment characteristics, and maximize investment returns while controlling risks.

Description

technical field [0001] The financial investment of the present invention relates to the technical field, in particular to a method for recommending wealth management products. Background technique [0002] At present, foreign robo-advisors mainly invest in a large number of ETFs (Exchange Traded Funds, Exchange Traded Funds), while there are very few investable ETFs in China, and robo-advisors mainly invest in themed funds. my country's personal financial management industry is still in a stage of rapid development, and most users' financial management quality is not high, and they are still at the stage where non-standard products are the main investment targets. In terms of user risk tolerance assessment, most robo-advisory platforms judge users' risk tolerance by asking users to fill out questionnaires. Therefore, there are the following disadvantages: on the one hand, robo-advisors with stock and fund products as investment objects cannot meet the investment needs of mo...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06
CPCG06Q40/06
Inventor 丁海盈李小雪吴吕杏
Owner 杭州铜板街互联网金融信息服务有限公司
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