Family wealth information management control system, method, medium, and computer equipment

Abstract

The present invention belongs to the field of intelligent management technology, and discloses a family wealth information management control system, method, medium, and computer equipment, including: an information management module for realizing the intelligence and systematization of wealth management and using it as a toolbox; a system information management module for realizing family financial management planning and family customer contract document management; a management data center module for realizing the management of financial market data, wealth management data, macroeconomic data, industry economic data, global tax saving, family governance, global education data, and high-end life data. The present invention can provide users with personalized property management solutions based on the user's family and asset situation, manage the customer's assets, liabilities, and liquidity, and help users achieve the purpose of reducing risks and realizing wealth appreciation. At the same time, relying on intelligent technology, objectivity and security are guaranteed, while reducing labor costs.

Description

Technical Field

[0001] The present invention belongs to the field of intelligent management technology, and in particular, relates to a family wealth information management control system, method, medium, and computer equipment. Background Art

[0002] In recent years, the wealth management market has developed rapidly. According to relevant data, China's wealth management market will maintain an average annual compound growth rate of more than 15%. It is expected that by 2030, the total amount of investable assets of Chinese residents will reach 200 trillion yuan, and the growth of high-net-worth individuals will be faster. The scale of wealth management is so huge that various financial institutions such as banks, insurance companies, and trust companies have rushed in to gain a certain market share. The wealth management market has become a red ocean market.

[0003] From the demand side, although the demand for family wealth information management and control is very strong, from the perspective of institutions that can actually provide family wealth information management and control services, the services currently provided are far from meeting the various needs of wealth families. From the service side, the institutions that currently provide family wealth information management and control services are mainly concentrated in the private banking departments of commercial banks and family trust institutions. There are still few mature wealth management institutions that can provide family office services. Although commercial banks and trust companies can see the blue ocean market of family wealth information management and control and are actively making layouts, the family wealth information management and control services that these institutions can provide are still extremely limited, mainly focusing on the preservation and appreciation of family wealth, reasonable tax avoidance, family trusts, etc. The means of service are also relatively rudimentary, not intelligent and technological enough, and the proportion of investment in professional human investment advisory services is very large.

[0004] In recent years, family wealth management and its related family trusts and family offices have become popular. According to relevant statistics, in 2019, there were 2 million people in my country with investable assets of more than 10 million, and the total asset size reached 60 trillion. Most of these wealthy people come from families and family businesses, and the average age is over 50 years old. With the aging of the age structure of the first generation of wealth creators, the management and inheritance of family wealth will follow. How to use scientific and effective means to regulate the behavior of family businesses and family members, how to enhance the market competitiveness of family businesses, and how to build a global asset allocation system for family wealth.

[0005] From the perspective of institutions that can actually provide family wealth management services, the services currently provided are far from meeting the various needs of wealthy families. From the demand side, wealthy families lack a clear understanding of themselves.

[0006] Value-added while ignoring the planning and competitiveness maintenance of industrial wealth. This fragmented and superficial cognition is not in line with the multi-level goals and systematic management of family wealth management. From the service side, the institutions that currently provide family wealth management services are mainly concentrated in the private banking departments of commercial banks and family trust institutions. There are still few mature wealth management institutions in China that can provide family office services. Although commercial banks and trust companies can see the blue ocean market of family wealth management and actively make layouts, the family wealth management services that these institutions can provide are still extremely limited, mainly focusing on the preservation and appreciation of family wealth, reasonable tax avoidance, family trusts, etc. The means of service are also relatively rudimentary, not intelligent and technological enough, and the proportion of investment in professional human investment advisory services is very large. Family wealth management is a very complex multi-objective process, involving family asset allocation and inheritance, cultural heritage, tax planning, insurance, retirement planning, children's education, charity and other links. At present, the services provided by banks and trusts are still too one-sided and can only solve some of the problems faced by wealth families. These point-like services are still far from systematic and intelligent family wealth management. As a rising star, family offices are indeed created to solve the problem of family wealth management in an overall way. However, they are still in the early embryonic stage, and the human capital investment of their expert team is also very expensive. Therefore, to truly solve the overall problem of family wealth management, it is necessary not only for both supply and demand sides to improve their own understanding of family wealth management, but also to jointly build a gradually mature family wealth management ecosystem. Financial technology has developed rapidly in recent years. Driven by technological innovations such as big data, cloud computing, artificial intelligence, and blockchain, it covers all aspects of financial services and financial business, and is fully applied to various financial business segments. It is a high degree of integration of finance + technology, which subverts the original financial logic, reshapes the value chain of the entire financial market, greatly improves the operating efficiency of the financial market, and has a far-reaching impact on the value reconstruction of the entire financial industry in the future. Against this background, the trillion-level wealth management industry is also undergoing tremendous industry changes. As a new type of technological financial tool, smart investment advisors will play an incomparable and important role.

[0007] In terms of technology, generally speaking, except for the seldom use of blockchain technology, the three underlying Fintech technologies of big data, cloud computing, and artificial intelligence together constitute the technical foundation of smart investment advisors. From the perspective of the core technology, there are the construction of accurate customer portraits based on big data, recommendation engines based on collaborative filtering to recommend different investment portfolios to customers, big data mining based on web crawlers, natural language processing, image recognition and other technologies, and AI algorithm investment models or evaluation systems based on machine learning and deep learning. Specifically, smart investment advisors use cloud computing, big data, artificial intelligence and other technologies to apply other financial investment theories such as asset portfolio theory to the model, and then input variables such as investor risk preferences, financial status and financial planning into the model to generate automated, intelligent, and personalized asset allocation suggestions for users, and track and automatically adjust the portfolio. User portraits, that is, user information labeling, are used to abstract the user's business profile by collecting and analyzing data on the main information of consumers such as social attributes, living habits, and behavioral characteristics. User portraits rely on big data and must be constantly revised according to changing data. Smart investment advisors "understand" the characteristics of users through "user portraits" with various labels, and then automatically provide specific users with the services they really need. User portraits can bring commercial value to smart investment advisors. After profiling users in terms of basic information, financial status, investment knowledge, investment experience, risk preference, style preference, strategy preference, industry preference, etc., smart investment advisors can recommend different investment portfolios to matching users. The recommendation engine, based on user behavior (such as browsing history, purchase history), filters out information that meets user preferences from massive amounts of information and recommends it to users, thereby meeting their personalized needs. According to the actual application of various recommendation algorithms, collaborative filtering recommendation algorithms are more suitable for financial institutions to adopt, and can be tried in smart investment advisory products. For example, based on the product-based collaborative filtering algorithm, it is inferred that users who prefer foreign exchange prefer QDII. Big data mining, through web crawlers and other methods to obtain text, pictures and other content, based on natural language processing, image recognition and other technologies, extract key information from network text and pictures. For example, extract company financial data from announcements, obtain consistent expectation data from research reports, and build a network public opinion system to monitor industry and concept hotspots. Company announcements (shareholders' meetings, major favorable events, additional issuances, transaction reminders, rights issues, equity capital, major events) and financial statements (annual reports, semi-annual reports, quarterly reports, performance forecasts, performance flash reports), analyst research reports, stock forums and Snowball forum posts, Weibo and WeChat social networks, news media reports, and search engine returns are mostly unstructured information. Text mining methods are used to mine the financial information in these unstructured data, so that products and information can be accurately pushed to customers in smart investment advisors to assist customers in their investment decisions.AI investment algorithms and AI investment strategies mainly use machine learning algorithms to integrate market data, build better prediction models, and judge the trend of assets in the future. By optimizing decisions and building better trading signals, it can assist the trading strategy part of the smart investment advisory system.

[0008] Prior art 1: CN201510779046.2 An interactive wealth planning consulting robot system. The present invention discloses an interactive wealth planning consulting robot system. After the identity information of the client is verified to be valid, the real person live identity authentication module is started. After the identity authentication is passed, the wealth planning consulting system is started. The wealth planning consulting system provides the client with a complete and detailed wealth planning investment proposal. The web link of the completed wealth planning investment proposal is sent to the client's mobile phone terminal via SMS, WeChat or email. After the client clicks the link of the SMS, WeChat or email, the investment can be completed directly. Compared with the prior art, the real person live identity authentication of the present invention integrates multiple biometric features to simultaneously verify the identity of the client and the intelligent live body, and the normal emotional state. It is safe and reliable, and provides wealth planning consulting services to clients, saving a lot of manpower and material resources, and is easy to promote and apply.

[0009] Prior art 2: CN201510036646.X An asset allocation and investment portfolio management system and method. The present invention discloses an asset allocation and investment portfolio management system, including a risk rating module for collecting user information according to pre-set risk rating information, determining and sending the user's risk level type; a family information investigation module for obtaining the user's family information according to a pre-set family information form; an asset allocation optimization module for receiving and analyzing risk level type information, retrieving a pre-set asset allocation model that matches the risk level type, and optimizing the user's family information through the asset allocation model according to the pre-set asset allocation strategy; a wealth experience module for matching the user's family information with the pre-set wealth experience strategy through the asset allocation model, and generating a user evaluation result matching the user's family information according to the experience; and a report generation module for generating a matching optimization report and evaluation report according to the asset optimization information and the user evaluation result information.

[0010] Prior art three: CN202010009093.X A wealth trend prediction method, device, equipment and storage medium. The present invention discloses a wealth trend prediction method, device, equipment and storage medium. The method comprises: determining the wealth prediction data of the target customer according to the customer group to which the target customer belongs and the current wealth data; determining the annual income and expenditure table and balance sheet of the target customer for the entire life cycle according to the current wealth data, the wealth prediction data and the evaluation data of the target customer; generating the wealth trend prediction result of the target customer for the entire life cycle according to the annual income and expenditure table and the balance sheet. The above technical scheme comprehensively predicts the wealth trend by combining the current wealth data and the predicted wealth data, thereby improving the comprehensiveness and reliability of the wealth trend prediction.

[0011] Through the above analysis, the problems and defects of the existing technology are as follows: the existing technology does not have a system or method for managing family wealth. At the same time, the existing means of wealth management are not intelligent enough, cannot meet user needs, and have high personnel costs.

[0012] The difficulty in solving the above problems and defects is that the domestic financial management business started later than that of foreign countries, and lacks the integration of various scattered financial management systems and data resources on the market to build a unified, comprehensive wealth management system that can meet the diverse needs of customers.

[0013] The significance of solving the above problems and defects is: Family wealth management has gradually become a rigid demand of wealthy families in recent years, and it has very important practical significance; forming a multi-faceted intelligent investment advisory research system, through the layered advancement of research, deeply combining theory and practice, and finally transforming it into an intelligent and systematic family wealth management product that can be actually operated and implemented. Summary of the invention

[0014] In view of the problems existing in the prior art, the present invention provides a family wealth information management control system, method, medium and computer equipment.

[0015] The present invention is implemented as follows: a family wealth information management and control system, the family wealth information management and control system comprising:

[0016] Information management module, used to realize intelligent and systematic wealth management and serve as a toolbox;

[0017] System information management module, used to implement family financial management planning and family customer contract document management;

[0018] The management data center module is used to manage financial market data, wealth management data, macroeconomic data, industry economic data, global tax savings, family governance, global education data, and high-end life data.

[0019] Furthermore, the information management module includes:

[0020] The electronic experience unit uses a simple and efficient client program to achieve regular updates of wealth management reviews, real-time editing of relevant documents, visualization of investment performance, O2O service model, and real-time communication with the wealth management team, lawyer team, and accounting team;

[0021] A one-stop wealth management unit for real-time investment management, dynamic market information push, report presentation, tax document push, cash management and customer-customized products and services;

[0022] Information protection unit, used to implement multiple account authentication, biometrics, data encryption, and online electronic transaction protection;

[0023] Exclusive value-added service unit, used to realize high-quality life resources, high-end consumer goods resources, high-end club resources, family member security services, and customized private services.

[0024] Furthermore, the management data center module includes: financial market database, wealth management product library, macroeconomic database, industry economic database, global tax saving tool library, family governance solution library, global education database, and high-end life database; used to realize the management of financial market database, wealth management product library, macroeconomic database, industry economic database, global tax saving tool library, family governance solution library, global education database, and high-end life database.

[0025] Furthermore, the family wealth information management and control system also includes:

[0026] The information collection module is connected to the central control module and is used to collect information about users’ needs, family members, and historical investments and assets;

[0027] The data preprocessing module is connected to the central control module and is used to classify and integrate the collected relevant information;

[0028] The central control module is connected with the information collection module, the data preprocessing module, the investment preference determination module, the risk determination module, the demand prediction module, the wealth division module, the asset allocation module construction module, the configuration module, the evaluation module and the management plan determination module, and is used to control the normal operation of each module by using a single chip microcomputer or a controller;

[0029] An investment preference determination module, connected to the central control module, for determining the user's investment preference based on the pre-processed user's historical investment data;

[0030] The risk determination module is connected to the central control module and is used to determine the risk factors and risk levels of the user's investment preferences;

[0031] The demand forecasting module is connected to the central control module and is used to forecast the future consumption demand of users based on the obtained personnel composition and basic information of the personnel;

[0032] The wealth division module is connected to the central control module and is used to divide the user's existing assets based on the pre-processed information combined with the user's future consumption demand forecast results;

[0033] The asset allocation module is a building module connected to the central control module and is used to build a multi-objective family wealth information management and control asset allocation model;

[0034] A configuration module, connected to the central control module, is used to determine an asset configuration management plan based on the user's investment preference, risk information of the investment preference, and the user's needs in combination with the asset division result using the constructed asset configuration model;

[0035] An evaluation module, connected to the central control module, is used to evaluate the asset allocation management plan with the goals of minimizing risk, maximizing demand satisfaction, maximizing benefits, and maximizing user satisfaction;

[0036] The management plan determination module is connected to the central control module and is used to determine the final user wealth management plan based on the evaluation results.

[0037] Furthermore, the information collection module includes:

[0038] Demand collection unit, used to collect users' asset allocation needs and other property-related needs;

[0039] A personnel composition acquisition unit is used to obtain the personnel composition of the user's family and basic information of the personnel;

[0040] A historical data collection unit is used to collect the user's historical investment process and results or other data;

[0041] The asset data collection unit is used to obtain the user's existing assets.

[0042] Further, the investment preference determination module determines the user's investment preference based on the pre-processed user historical investment data, including:

[0043] Acquire historical investment data of the user, extract investment time point data based on the acquired historical investment process data of the user, and determine the user asset data corresponding to the investment occurrence time based on the investment time point data;

[0044] Determine the probability of the investment behavior and the corresponding direction based on the user's historical investment process, result data and the user's asset data at the corresponding time point, and determine the range of the investment proportion based on the user's asset data;

[0045] Determine the user's investment preference based on the probability of the investment behavior and the investment direction combined with the range of investment proportions;

[0046] The acquisition of user historical investment data includes:

[0047] Obtaining pre-processed historical investment process and result data of the user, and formatting the historical investment process and result data;

[0048] Extract the user's historical investment data from the formatted user's historical investment process and result data.

[0049] Furthermore, the risk determination module determines the risk factors and risk levels of the user's investment preferences, including:

[0050] Determine the user's investment risk factors based on the determined user's investment preferences and the corresponding user's historical investment data;

[0051] Obtain the user's historical investment preference data, behavior data, and determined investment risk factors; determine the user's first risk index based on the user's historical investment preference data combined with the determined investment risk factors;

[0052] Determining a second risk index of the user based on the investment behavior data of the user in combination with the determined investment risk factors;

[0053] Determining the investment risk level of the user according to the first risk index and the second risk index;

[0054] Determining the first risk index of the user based on the historical investment preference data of the user in combination with the determined investment risk factors includes:

[0055] Determine the degree of influence of the investment risk factors on the investment, determine the weights of the various investment risk factors, and determine a first risk index of the user based on the risk factors and their weights;

[0056] Determining the user's investment risk factors based on the determined user investment preferences and the corresponding user's historical investment data includes:

[0057] Divide the investment behavior into the investment understanding stage, investment implementation stage and profit recovery stage; collect investment risk factors from professional databases;

[0058] Analyze each stage of investment in combination with the risk factors collected from the professional database to determine the risk factors of the investment behavior at each stage;

[0059] The user's investment risk factors can be obtained by integrating the risk factors of the investment behavior at each stage.

[0060] Another object of the present invention is to provide a family wealth information management and control method for implementing the family wealth information management and control system, the family wealth information management and control method comprising:

[0061] Make wealth management intelligent, systematized and used as a toolbox;

[0062] Realize family financial management planning and family client contract document management;

[0063] Realize the management of financial market data, wealth management data, macroeconomic data, industry economic data, global tax savings, family governance, global education data, and high-end life data.

[0064] Another object of the present invention is to provide a computer device, which includes a memory and a processor, wherein the memory stores a computer program, and when the computer program is executed by the processor, the processor executes the steps of the family wealth information management control method.

[0065] Another object of the present invention is to provide a computer-readable storage medium storing a computer program, which, when executed by a processor, enables the processor to execute the steps of the family wealth information management control method.

[0066] Combining all the above technical solutions, the advantages and positive effects of the present invention are as follows: the present invention can provide users with personalized property management solutions based on their family and asset conditions, manage the assets, liabilities, and liquidity of customers, meet the financial needs of family customers at different stages, and help users reduce risks and achieve wealth appreciation. At the same time, the present invention relies on intelligent technology to eliminate human subjective factors to the greatest extent, making wealth management more intelligent while ensuring objectivity and security, while reducing labor costs and improving overall efficiency and benefits. BRIEF DESCRIPTION OF THE DRAWINGS

[0067] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0068] Figure 1 It is a structural diagram of Example 1 of the family wealth information management and control system provided by an embodiment of the present invention.

[0069] Figure 2 This is a structural diagram of Example 2 of a family wealth information management and control system provided by an embodiment of the present invention;

[0070] Figure 3 It is a schematic diagram of the structure of the information collection module provided by an embodiment of the present invention.

[0071] Figure 4 It is a flow chart of a method provided by an investment preference determination module of an embodiment of the present invention for determining a user's investment preference based on preprocessed historical investment data of the user.

[0072] Figure 5 It is a flow chart of a method for obtaining user historical investment data provided by an embodiment of the present invention.

[0073] Figure 6 It is a flow chart of a method for determining risk factors and risk levels of user investment preferences by a risk determination module provided in an embodiment of the present invention.

[0074] In the figure: 1. Information collection module; 2. Data preprocessing module; 3. Central control module; 4. Investment preference determination module; 5. Risk determination module; 6. Demand forecasting module; 7. Wealth division module; 8. Asset allocation module construction module; 9. Configuration module; 10. Evaluation module; 11. Management plan determination module; 12. Demand collection unit; 13. Personnel composition acquisition unit; 14. Historical data collection unit; 15. Asset data collection unit; 16. Information management module; 17. System information management module; 18. Management data center module; 19. Electronic experience unit; 20. One-stop wealth management unit; 21. Information protection unit; 22. Exclusive value-added service unit; 23. Financial market database; 24. Wealth management product library; 25. Macroeconomic database; 26. Industry economic database; 27. Global tax saving tool library; 28. Family governance solution library; 29. ​​Global education database; 30. High-end life database. DETAILED DESCRIPTION

[0075] In order to make the purpose, technical solution and advantages of the present invention more clearly understood, the present invention is further described in detail below in conjunction with the embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not used to limit the present invention.

[0076] In view of the problems existing in the prior art, the present invention provides a family wealth information management control system, method, medium, and computer equipment. The present invention is described in detail below with reference to the accompanying drawings.

[0077] Embodiment 1:

[0078] like Figure 1 As shown, the family wealth information management and control system provided by the embodiment of the present invention includes:

[0079] The information management module 16 is used to realize intelligent and systematic wealth management and to be used as a toolbox.

[0080] The system information management module 17 is used to implement family financial management planning and family customer contract document management.

[0081] The management data center module 18 is used to manage financial market data, wealth management data, macroeconomic data, industry economic data, global tax savings, family governance, global education data, and high-end life data.

[0082] The information management module 16 includes:

[0083] Electronic experience unit 19 uses a simple and efficient client program to achieve regular updates of wealth management reviews, real-time editing of related documents, visualization of investment performance, O2O service model, and real-time communication with the wealth management team, lawyer team, and accounting team.

[0084] The one-stop wealth management unit 20 is used to achieve real-time investment management, dynamic market information push, report presentation, tax document push, cash management and customer customized products and services.

[0085] The information protection unit 21 is used to implement multiple account authentication, biometrics, data encryption, and online electronic transaction protection.

[0086] The exclusive value-added service unit 22 is used to realize high-quality life resources, high-end consumer goods resources, high-end club resources, family member security services, and customized private services.

[0087] The management data center module 18 includes: a financial market database 23, a wealth management product library 24, a macroeconomic database 25, an industry economic database 26, a global tax saving tool library 27, a family governance solution library 28, a global education database 29, and a high-end life database 30; it is used to manage the financial market database 23, the wealth management product library 24, the macroeconomic database 25, the industry economic database 26, the global tax saving tool library 27, the family governance solution library 28, the global education database 29, and the high-end life database 30.

[0088] Embodiment 2:

[0089] like Figure 2 As shown, the family wealth information management and control system provided by the embodiment of the present invention includes:

[0090] The information collection module 1 is connected to the central control module 3 and is used to collect the user's needs, family members, and historical investment and asset information;

[0091] The data preprocessing module 2 is connected to the central control module 3 and is used to classify and integrate the collected relevant information;

[0092] The central control module 3 is connected with the information collection module 1, the data preprocessing module 2, the investment preference determination module 4, the risk determination module 5, the demand prediction module 6, the wealth division module 7, the asset allocation module construction module 8, the configuration module 9, the evaluation module 10 and the management plan determination module 11, and is used to control the normal operation of each module by using a single chip microcomputer or a controller;

[0093] An investment preference determination module 4, connected to the central control module 3, for determining the user's investment preference based on the pre-processed user's historical investment data;

[0094] The risk determination module 5 is connected to the central control module 3 and is used to determine the risk factors and risk level of the user's investment preference;

[0095] The demand forecasting module 6 is connected to the central control module 3 and is used to forecast the future consumption demand of users based on the obtained personnel composition and basic information of the personnel;

[0096] The wealth division module 7 is connected to the central control module 3 and is used to divide the user's existing assets based on the pre-processed information combined with the user's future consumption demand prediction results;

[0097] The asset allocation module construction module 8 is connected to the central control module 3 and is used to construct a family wealth information management and control asset allocation model based on multiple objectives;

[0098] Configuration module 9, connected to central control module 3, is used to determine asset allocation management plan based on user's investment preference, risk information of investment preference and user's demand in combination with asset division result and using constructed asset allocation model;

[0099] An evaluation module 10, connected to the central control module 3, is used to evaluate the asset allocation management plan with the goals of minimizing risk, maximizing demand satisfaction, maximizing benefits, and maximizing user satisfaction;

[0100] The management plan determination module 11 is connected to the central control module 3 and is used to determine the final user wealth management plan based on the evaluation results.

[0101] like Figure 3 As shown, the information collection module 1 provided in the embodiment of the present invention includes:

[0102] Demand collection unit 12, used to collect user-related asset allocation needs and other property-related needs;

[0103] A personnel composition acquisition unit 13 is used to acquire the personnel composition of the user's family and basic information of the personnel;

[0104] A historical data collection unit 14 is used to collect the user's historical investment process and results or other data;

[0105] The asset data collection unit 15 is used to obtain the user's existing assets.

[0106] like Figure 4 As shown, the investment preference determination module provided in the embodiment of the present invention determines the user's investment preference based on the pre-processed user's historical investment data, including:

[0107] S101: Acquire historical investment data of a user, extract investment time point data based on the acquired historical investment process data of the user, and determine user asset data corresponding to the investment occurrence time based on the investment time point data;

[0108] S102: Determine the probability of the investment behavior and the corresponding direction according to the user's historical investment process, result data and the user's asset data at the corresponding time point, and determine the range of the investment proportion according to the user's asset data;

[0109] S103: Determine the user's investment preference according to the probability of the investment behavior and the investment direction combined with the range of the investment proportion.

[0110] like Figure 5 As shown, the acquisition of user historical investment data provided by the embodiment of the present invention includes:

[0111] S201: Obtaining pre-processed historical investment process and result data of the user, and formatting the historical investment process and result data;

[0112] S202: Extracting the user's historical investment data from the formatted user's historical investment process and result data.

[0113] like Figure 6 As shown, the risk determination module provided in the embodiment of the present invention determines the risk factors and risk levels of the user's investment preferences, including:

[0114] S301: Determine the user's investment risk factors based on the determined user investment preference and the corresponding user's historical investment data;

[0115] S302: Obtain the user's historical investment preference data, behavior data, and determined investment risk factors; determine the user's first risk index based on the user's historical investment preference data combined with the determined investment risk factors;

[0116] S303: Determine a second risk index of the user based on the investment behavior data of the user combined with the determined investment risk factors;

[0117] S304: Determine the investment risk level of the user according to the first risk index and the second risk index.

[0118] The method of determining the first risk index of a user according to the historical investment preference data of the user combined with the determined investment risk factors provided by the embodiment of the present invention includes:

[0119] Determine the degree of influence of the investment risk factors on the investment, determine the weights of the various investment risk factors, and determine a first risk index of the user based on the risk factors and their weights.

[0120] The method provided in the embodiment of the present invention for determining the user's investment risk factors based on the determined user investment preference and the corresponding user's historical investment data includes:

[0121] Divide the investment behavior into the investment understanding stage, investment implementation stage and profit recovery stage; collect investment risk factors from professional databases;

[0122] Analyze each stage of investment in combination with the risk factors collected from the professional database to determine the risk factors of the investment behavior at each stage;

[0123] The user's investment risk factors can be obtained by integrating the risk factors of the investment behavior at each stage.

[0124] It should be noted that the embodiments of the present invention can be implemented by hardware, software, or a combination of software and hardware. The hardware part can be implemented using dedicated logic; the software part can be stored in a memory and executed by an appropriate instruction execution system, such as a microprocessor or dedicated design hardware. It can be understood by a person of ordinary skill in the art that the above-mentioned devices and methods can be implemented using computer executable instructions and / or contained in a processor control code, such as a carrier medium such as a disk, CD or DVD-ROM, a programmable memory such as a read-only memory (firmware), or a data carrier such as an optical or electronic signal carrier. Such code is provided on the carrier medium. The device and its modules of the present invention can be implemented by hardware circuits such as very large-scale integrated circuits or gate arrays, semiconductors such as logic chips, transistors, etc., or programmable hardware devices such as field programmable gate arrays, programmable logic devices, etc., can also be implemented by software executed by various types of processors, and can also be implemented by a combination of the above-mentioned hardware circuits and software, such as firmware.

[0125] The above description is only a preferred specific implementation manner of the present invention, but the protection scope of the present invention is not limited thereto. Any modifications, equivalent substitutions and improvements made by any technician familiar with the technical field within the technical scope disclosed by the present invention and within the spirit and principles of the present invention should be covered within the protection scope of the present invention.

Claims

1. A family wealth information management and control system, characterized in that: The family wealth information management and control system includes: Information management module, used to realize intelligent and systematic wealth management and serve as a toolbox; System information management module, used to implement family financial management planning and family customer contract document management; Management data center module, used to manage financial market data, wealth management data, macroeconomic data, industry economic data, global tax savings, family governance, global education data, and high-end life data; The family wealth information management and control system also includes: The information collection module is connected to the central control module and is used to collect information about users’ needs, family members, and historical investments and assets; The data preprocessing module is connected to the central control module and is used to classify and integrate the collected relevant information; The central control module is connected with the information collection module, the data preprocessing module, the investment preference determination module, the risk determination module, the demand prediction module, the wealth division module, the asset allocation module construction module, the configuration module, the evaluation module and the management plan determination module, and is used to control the normal operation of each module by using a single chip microcomputer or a controller; An investment preference determination module, connected to the central control module, for determining the user's investment preference based on the pre-processed user's historical investment data; The risk determination module is connected to the central control module and is used to determine the risk factors and risk levels of the user's investment preferences; The demand forecasting module is connected to the central control module and is used to forecast the future consumption demand of users based on the obtained personnel composition and basic information of the personnel; The wealth division module is connected to the central control module and is used to divide the user's existing assets based on the pre-processed information combined with the user's future consumption demand forecast results; The asset allocation module is a building module connected to the central control module, which is used to build a multi-objective family wealth information management and control asset allocation model; A configuration module, connected to the central control module, is used to determine an asset configuration management plan based on the user's investment preference, risk information of the investment preference, and the user's needs in combination with the asset division result using the constructed asset configuration model; An evaluation module, connected to the central control module, is used to evaluate the asset allocation management plan with the goals of minimizing risk, maximizing demand satisfaction, maximizing benefits, and maximizing user satisfaction; The management plan determination module is connected to the central control module and is used to determine the final user wealth management plan based on the evaluation results.

2. The family wealth information management and control system according to claim 1, characterized in that: The information management module includes: The electronic experience unit uses a simple and efficient client program to achieve regular updates of wealth management reviews, real-time editing of relevant documents, visualization of investment performance, O2O service model, and real-time communication with the wealth management team, lawyer team, and accounting team; A one-stop wealth management unit for real-time investment management, dynamic market information push, report presentation, tax document push, cash management and customer-customized products and services; Information protection unit, used to implement multiple account authentication, biometrics, data encryption, and online electronic transaction protection; Exclusive value-added service unit, used to realize high-quality life resources, high-end consumer goods resources, high-end club resources, family member security services, and customized private services.

3. The family wealth information management and control system according to claim 1, characterized in that: The management data center module includes: financial market database, wealth management product library, macroeconomic database, industry economic database, global tax saving tool library, family governance solution library, global education database, and high-end life database; it is used to realize the management of financial market database, wealth management product library, macroeconomic database, industry economic database, global tax saving tool library, family governance solution library, global education database, and high-end life database.

4. The family wealth information management and control system as claimed in claim 1, characterized in that: The information collection module includes: Demand collection unit, used to collect users' asset allocation needs and other property-related needs; A personnel composition acquisition unit is used to obtain the personnel composition of the user's family and basic information of the personnel; A historical data collection unit is used to collect the user's historical investment process and results or other data; The asset data collection unit is used to obtain the user's existing assets.

5. The family wealth information management and control system as claimed in claim 3, characterized in that: The investment preference determination module determines the user's investment preference based on the pre-processed user historical investment data, including: Acquire historical investment data of the user, extract investment time point data based on the acquired historical investment process data of the user, and determine the user asset data corresponding to the investment occurrence time based on the investment time point data; Determine the probability of investment behavior and the corresponding direction based on the user's historical investment process, result data and user asset data at the corresponding time point, and determine the range of investment proportion based on the user asset data; Determine the user's investment preference based on the probability of investment behavior and investment direction combined with the range of investment proportion; The acquisition of user historical investment data includes: Obtaining pre-processed historical investment process and result data of the user, and formatting the historical investment process and result data; Extract the user's historical investment data from the formatted user's historical investment process and result data.

6. The family wealth information management and control system as claimed in claim 3, characterized in that: The risk determination module determines the risk factors and risk levels of the user's investment preferences including: Determine the user's investment risk factors based on the determined user's investment preferences and the corresponding user's historical investment data; Obtain the user's historical investment preference data, behavior data, and determined investment risk factors; determine the user's first risk index based on the user's historical investment preference data combined with the determined investment risk factors; Determine a second risk index of the user based on the investment behavior data of the user in combination with the determined investment risk factors; Determining the user's investment risk level according to the first risk index and the second risk index; Determining the first risk index of the user based on the historical investment preference data of the user in combination with the determined investment risk factors includes: Determine the degree of influence of the investment risk factors on the investment, determine the weights of the various investment risk factors, and determine a first risk index of the user based on the risk factors and their weights; Determining the user's investment risk factors based on the determined user investment preferences and the corresponding user's historical investment data includes: Divide investment behavior into the investment understanding stage, investment implementation stage and profit recovery stage; collect investment risk factors from professional databases; Analyze each stage of investment in combination with the risk factors collected from the professional database to determine the risk factors of investment behavior at each stage; By integrating the risk factors at each stage of investment behavior, we can obtain the user's investment risk factors.

7. A family wealth information management and control method for implementing the family wealth information management and control system according to any one of claims 1 to 6, characterized in that: The family wealth information management and control method comprises: Make wealth management intelligent, systematized and used as a toolbox; Realize family financial management planning and family client contract document management; Realize the management of financial market data, wealth management data, macroeconomic data, industry economic data, global tax savings, family governance, global education data, and high-end life data.

8. A computer device, characterized in that: The computer device includes a memory and a processor, the memory stores a computer program, and when the computer program is executed by the processor, the processor executes the steps of the family wealth information management control method according to claim 7.

9. A computer-readable storage medium storing a computer program, wherein when the computer program is executed by a processor, the processor executes the steps of the family wealth information management control method according to claim 7.

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