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Family financial planning method and device

A family and financial technology, applied in the direction of instruments, finance, data processing applications, etc., can solve the problems of inability to carry out family financial planning, inability to consider user time preference, liquidity preference, real estate adjustment, future consumption stability, etc.

Pending Publication Date: 2020-07-24
北京智慧丰泰科技有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Obviously, due to its static nature, existing robo-advisors cannot take into account users' time preferences, liquidity preferences, real estate adjustments, and the stability of future consumption, and cannot carry out forward-looking family financial planning

Method used

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  • Family financial planning method and device
  • Family financial planning method and device

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Embodiment Construction

[0035]The present invention will be further described in detail below in conjunction with the accompanying drawings, so that those skilled in the art can implement it with reference to the description.

[0036] It should be understood that terms such as "having", "comprising" and "including" used herein do not exclude the presence or addition of one or more other elements or combinations thereof.

[0037] In a technical solution, such as figure 1 Shown, family financial planning approaches, including:

[0038] Obtain the portrait information of the user's family members;

[0039] Establish a life-cycle dynamic optimization model, set up the user's family budget constraints in the life-cycle dynamic optimization model based on the income of family members and the returns of various assets, and establish the user's objective function in the life-cycle dynamic optimization model based on the portrait information ;

[0040] According to the user's family budget constraint and o...

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PUM

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Abstract

The invention discloses a family financial planning method. The method comprises the steps of obtaining portrait information of family members of a user; establishing a life full-cycle dynamic optimization model, setting family budget constraints of the user in the life full-cycle dynamic optimization model according to income of family members and return of various assets, and establishing the objective function of the user in the life full-cycle dynamic optimization model according to the portrait information; according to the family budget constraint and the objective function of the user,solving an optimal strategy by applying a reverse calculation and dynamic optimization method, and forming a family consumption scheme and a family asset allocation scheme of the user under differentages and market quotations. Besides traditional income and risk balance consideration, the method also considers reasonable consumption level, consumption stability degree, emergency expenditure, mobility, real estate configuration, family wealth inheritance and other factors. Compared with the prior art, the method is more scientific and comprehensive, and is higher in customization degree.

Description

technical field [0001] The invention relates to the technical field of computer software and the field of dynamic quantitative economics. More specifically, the present invention relates to a family financial planning method and device. Background technique [0002] At present, the existing robo-advisors are essentially static financial management. They usually conduct risk assessments on users, and then find the asset portfolio that maximizes returns based on risk tolerance. Obviously, due to its static nature, existing robo-advisors cannot take into account users' time preferences, liquidity preferences, real estate adjustments, and the stability of future consumption, and cannot carry out forward-looking family financial planning. Therefore, there is an urgent need to design a method and device for family financial planning that can overcome the above-mentioned defects to a certain extent. Contents of the invention [0003] One object of the present invention is to pr...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/04G06Q10/06G06Q40/00
CPCG06Q10/04G06Q10/067G06Q40/125
Inventor 朱国忠王舸
Owner 北京智慧丰泰科技有限公司