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Intelligent investment adviser method

An intelligent and variance technology, applied in the field of intelligent investment advice, can solve the problems of uneven level of investment advice, inability to meet the investment needs of ordinary investors to the greatest extent, and high service fees, so as to save time and cost and avoid irrational investment behaviors Effect

Pending Publication Date: 2021-02-05
刘华玲
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, limited by the limitations of traditional investment advisory services, such as: starting with millions of funds, cumbersome service procedures, high service fees, inability to consult anytime and anywhere, and varying levels of investment advisory services, existing technologies are still unable to meet the needs of ordinary investors to the greatest extent. Investment Advisory Demand

Method used

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  • Intelligent investment adviser method
  • Intelligent investment adviser method
  • Intelligent investment adviser method

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Embodiment Construction

[0039] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, rather than all embodiments . Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0040] The embodiment of the present invention is mainly developed by Python language, and utilizes crawler technology and Paipaidai API interface to carry out secondary development of network platform (eg: P2P) smart investment advisor.

[0041] The embodiments of the present invention will be further described in detail below in conjunction with the accompanying drawings.

[0042] Such as figure 1 As shown, the embodiment of the present...

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Abstract

The invention discloses an intelligent investment adviser method, which comprises the steps of obtaining Internet financial historical balance data, and performing feature combination on the obtainedbalance data to obtain useful combination features; training a model by using data with useful combined features, putting untrained sample data into the trained model, and outputting the overdue probability of the sample data; calculating the variance between the overdue probability of the sample data and the expected income of the sample data so as to determine the selection of an investment target; obtaining personalized risk preferences of the user and change rules thereof through big data, and customizing a personalized asset allocation scheme according to the personalized risk preferencesof the user in combination with the investment object; and tracking and adjusting the personalized asset allocation scheme of the user in real time by utilizing the Internet, so that risk monitoringduring the investment period is realized. According to the invention, a one-stop service from investment target selection, risk monitoring during investment, investment habit evaluation and professional personalized investment portfolio recommendation is provided for investors.

Description

technical field [0001] The present invention relates to the technical field of computer simulation, in particular to an intelligent investment advisory method. Background technique [0002] With the continuous development of the financial market, the level of financial products, trading strategies, and trading tools are becoming more and more complex, and the learning costs of ordinary investors are getting higher and higher, making it difficult for ordinary investors to keep up with the pace of market development, resulting in increasingly prominent demand for professional investment advisory services. However, limited by the limitations of traditional investment advisory services, such as: starting with millions of funds, cumbersome service procedures, high service fees, inability to consult anytime and anywhere, and varying levels of investment advisory services, existing technologies are still unable to meet the needs of ordinary investors to the greatest extent. Advisor...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06G06N3/00
CPCG06Q40/06G06N3/006
Inventor 丁宇杰任天荣刘华玲
Owner 刘华玲