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Asset allocation method and device based on user portraits

A configuration method and configuration device technology, applied in the field of data analysis, can solve the problems of unfavorable market economy, security and stability, serious homogeneity, and inability to provide customers with accurate service suggestions in the image dimension, so as to achieve accurate and targeted asset allocation. Effect

Pending Publication Date: 2020-04-10
CHINA CONSTRUCTION BANK
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Problems solved by technology

[0004] The inventor found that the robo-advisory method provided by the existing technology only provides customers with differentiated portfolio products through the two dimensions of risk and time limit. The homogeneity is serious, and convergence will lead to trampling. At the same time, less portrait dimensions cannot provide customers with Provide accurate service suggestions, and the convergence of model algorithms can easily lead to herd effect, which is not conducive to the security and stability of the market economy

Method used

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  • Asset allocation method and device based on user portraits
  • Asset allocation method and device based on user portraits
  • Asset allocation method and device based on user portraits

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Embodiment Construction

[0044] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments It is a part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of this application.

[0045] Considering that the robo-advisory method provided by the existing technology only provides customers with differentiated portfolio products through the two dimensions of risk and deadline, the homogeneity is serious, and convergence will lead to trampling. At the same time, fewer portrait dimensions cannot provide customers with accurate service sugges...

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Abstract

The embodiment of the invention provides an asset allocation method and device based on user portraits. The method comprises the steps of: determining a large-class asset allocation proportion of a user according to the risk preference and the investment period of the user and a large-class asset market prediction result, and according to the large-class asset allocation proportion, a preset optimal product pool and the user portrait of the user, obtaining target asset allocation of the user. The accuracy, the pertinence and the reliability of the customer asset allocation scheme can be effectively improved.

Description

technical field [0001] This application relates to the field of data analysis, in particular to a method and device for asset allocation based on user portraits. Background technique [0002] With the surging wave of commercialization of artificial intelligence, its technology is also rapidly applied to financial services, and robo-advisor is its core application in the field of wealth management. [0003] Robo-advisor is also called robot financial management. Based on customers' own financial needs, virtual robots use algorithms and products to complete the financial advisory services provided by humans in the past, and provide customers with wealth management solutions with balanced risks and benefits. With the increasing scale of public financial management, the advantages of robo-advisors such as low cost and risk diversification cater to the needs of public financial management, and the scale of robo-advisor business is getting larger and larger. Institutions enter th...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06G06Q30/02
CPCG06Q40/06G06Q30/0271G06Q30/0202
Inventor 孙剑顾宏
Owner CHINA CONSTRUCTION BANK
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