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Method and device for evaluating financial investment preferences of users

An evaluation method and financial technology, applied in the fields of finance, data processing applications, instruments, etc., can solve the problems of slow data statistical processing and calculation, user's personal financial investment preference evaluation and risk-taking ability evaluation can not truly reflect the user's actual situation, etc.

Inactive Publication Date: 2019-12-20
衣璐
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0007] Problems existing in the existing technology: the evaluation of the user's personal financial investment preference and risk bearing ability evaluation in the existing technology cannot truly reflect the actual situation of the user, and the method of the existing technology is slow in the statistical processing of investment preferences

Method used

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  • Method and device for evaluating financial investment preferences of users
  • Method and device for evaluating financial investment preferences of users
  • Method and device for evaluating financial investment preferences of users

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Embodiment Construction

[0038] In the following description, for purposes of illustration rather than limitation, specific details such as specific equipment structures, interfaces, and techniques are set forth in order to provide a thorough understanding of the present invention. It will be apparent, however, to one skilled in the art that the invention may be practiced in other embodiments without these specific details. In other instances, detailed descriptions of well-known devices, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.

[0039] like figure 1 As shown, the present invention provides a method for evaluating user financial investment preferences, including:

[0040] S1: Collect users' risk-taking ability and investment preferences through questionnaires;

[0041] S2: setting the collected results of the questionnaire as a sample;

[0042] S3: Establish an association between the first data set and the second data ...

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Abstract

The invention provides a method and device for evaluating the financial investment preference of a user. The method comprises the following steps of acquiring the risk bearing capacity and the investment preference of the user in a questionnaire survey form; setting the collected questionnaire survey result as a sample; establishing association between a first data set and a second data set, the first data set including a plurality of groups of first data, the first data including the risk undertaking data and the investment preference data, the second data set including a plurality of groupsof second data, and the second data including the asset preference data and the financial risk data; establishing an investment financial model through the sample, the first data set and the second data set; and according to the investment financial model, predicting the investment preference and the bearing degree of the financial risks of the client by using a prediction mode based on a collaborative filtering algorithm. According to the invention, the actual investment hobbies of the clients can be truly reflected, and the bearing capacity of the clients for the financial risks can be evaluated correctly.

Description

technical field [0001] The invention relates to the technical field of evaluation, in particular to a method and device for evaluating user financial investment preference. Background technique [0002] In terms of personal financial management and financial investment, financial institutions or agents need to evaluate customers' financial risk tolerance and investment preferences. [0003] The current evaluation methods are basically carried out through interviews, questionnaires, etc. In the interviews or questionnaires, customers' investment preferences and financial risk tolerance are evaluated, so as to recommend or operate corresponding investment projects. But the disadvantages of doing this are: [0004] In the atmosphere of conversations or questionnaires, customers often express or show investment preferences and real investment behaviors that deviate greatly. The information obtained through conversations and questionnaires is often not the real investment psych...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06
CPCG06Q40/06
Inventor 衣璐
Owner 衣璐
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