Intelligent investment product collocation method based on block chain intelligent contract technology

A smart contract and blockchain technology, applied in the field of robo-advisors, can solve the problems of lack of judgment in the market, lack of industry standards and rules in robo-advisors, and inability of investors to avoid risks, so as to reduce credit risks and protect the rights and interests of customers. Effect

Inactive Publication Date: 2018-01-12
HANGZHOU YUNXIANG NETWORK TECH
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Problems solved by technology

[0003] However, robo-advisors lack industry standards and rules, and many recommend products only to meet the needs of customers. They lack judgment on the market itself and cannot help investors avoid risks.
Due to the lack of supervision and risk control, the product content and operation methods are not transparent, and the rights and interests of customers cannot be protected in the event of losses

Method used

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  • Intelligent investment product collocation method based on block chain intelligent contract technology
  • Intelligent investment product collocation method based on block chain intelligent contract technology

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Embodiment Construction

[0033] In order to describe the present invention more specifically, the technical solutions of the present invention will be described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0034] The present invention's smart investment advisory product trusteeship method based on blockchain smart contract technology includes the following steps:

[0035] (1) Establish a product chain.

[0036] Construct the product release, management, underwriting parties and regulatory agencies to form an alliance product chain. The regulatory agencies are the China Securities Regulatory Commission, the China Banking Regulatory Commission and the Administration for Industry and Commerce (including the Market Supervision Administration). The participants include asset management companies, banks, Securities companies, fund companies, trust companies, tax agencies, asset trading centers, settlement agencies, investors, financial IT service providers, ratin...

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Abstract

The invention discloses an intelligent investment product collocation method based on the block chain intelligent contract technology. According to the method, the authenticity and non tamperability of the data on the chain are guaranteed by block chain consensus, authentication, timestamp and other technical means, and the participants on the chain can see the same and real information; the intelligent contract is automatically executed without artificial interference and supervision in the process of work can be performed to ensure the interests of customers. Being different from the centralized central registration and settlement mechanism, the system of the invention adopts the distributed technical architecture, the participants jointly maintain the product life cycle, thereby ensuring that the products are open and transparent and credible, effectively reducing the credit risk and avoiding the lack of supervision and risk control, resulting from that the product contents and operation means are opaque, and thus the customer rights and interests are not guaranteed.

Description

technical field [0001] The invention belongs to the field of smart investment advisory technology, and in particular relates to a smart investment advisory product trusteeship method based on block chain smart contract technology. Background technique [0002] Robo-Advisor is also called robot investment advisor, smart financial management, automated financial management, etc. Its essence is to use big data analysis, financial quantitative models and intelligent algorithms to analyze investors' risk tolerance level, expected return target, investment Different needs such as style preference, using a series of intelligent algorithms, investment portfolio optimization and other theoretical models to provide users with investment advice, and dynamically monitor market changes, provide regular or irregular adjustments to asset allocation, and automatically rebalance according to certain rules operations to increase the return on asset portfolios. [0003] However, robo-advisors...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06
Inventor 黄步添俞之贝王从礼温琪邓旭
Owner HANGZHOU YUNXIANG NETWORK TECH
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