Asset allocation method and device, storage medium and electronic device

Abstract

The present invention provides an asset allocation method and device, a storage medium and an electronic device, the method comprising: creating each asset account book of a customer, and determining the account book asset list of each asset account book, each asset account book corresponds to each asset purpose one by one; when receiving an account book asset allocation request, determining the target asset account book and its corresponding account book planning information; inputting the account book planning information and the user information of the customer into an asset allocation decision model, and obtaining an asset allocation plan output by the model; based on the asset allocation plan, determining the investment product recommendation result; in response to the customer confirming the operation of performing asset allocation based on the investment product recommendation result, executing the investment product transaction corresponding to the investment product recommendation result, and updating the account book asset list corresponding to the target asset account book according to the transaction result. The method of the present invention can realize personalized asset allocation evaluation based on asset purpose, which is conducive to improving the evaluation accuracy and improving the customer experience.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to an asset allocation method and device, a storage medium and an electronic device. Background Art

[0002] Wealth management is one of the main financial services provided by banks and other financial institutions to their customers. In the wealth management scenario, various investment products are usually recommended to customers to facilitate their asset allocation.

[0003] At present, in the wealth management services of banking software such as mobile banking, the total assets of various types of assets under the name of the customer's account are usually displayed to the customer at the dimension of personal account. When it is necessary to provide asset allocation advice to the customer, an asset allocation assessment is conducted based on the total assets under the name of the account, so as to provide asset allocation advice to the customer.

[0004] As people's financial management concepts change, their personalized demands for financial management are gradually increasing. The inventors have found through research that the purpose-oriented demand for asset management is gradually becoming more prominent, that is, customers hope to make asset allocations for funds for different purposes respectively. However, based on the existing asset management methods, asset allocation is only evaluated in the dimension of total assets, and it is impossible to provide users with personalized asset allocation suggestions oriented towards asset purpose, resulting in poor accuracy of asset allocation evaluation, which is likely to have a negative impact on customer experience. Summary of the invention

[0005] In view of this, an embodiment of the present invention provides an asset allocation method to solve the problem that the existing asset allocation method cannot perform asset allocation based on asset usage, resulting in poor accuracy of asset allocation evaluation and causing adverse effects on customer experience.

[0006] The embodiment of the present invention also provides an asset allocation device to ensure the actual implementation and application of the above method.

[0007] To achieve the above objectives, the embodiments of the present invention provide the following technical solutions:

[0008] An asset allocation method, comprising:

[0009] In response to the customer's operation of creating a new account book, create each asset account book corresponding to the customer, determine the account book asset list corresponding to each asset account book, and display the account book asset list corresponding to each asset account book to the customer; each asset account book corresponds to each preset asset purpose one by one;

[0010] When receiving a book asset configuration request corresponding to the client, determining a target asset book corresponding to the book asset configuration request in each of the asset books;

[0011] Determine the account book planning information corresponding to the target asset account book, wherein the account book planning information includes the asset usage, the total amount of account book assets and the expected income of the account book corresponding to the target asset account book;

[0012] Determine user information corresponding to the customer;

[0013] Inputting the account book planning information and the user information into a preset asset allocation decision model, and performing asset allocation evaluation processing by the asset allocation decision model to obtain an asset allocation plan output by the asset allocation decision model;

[0014] Based on the asset allocation plan, determine the investment product recommendation result corresponding to the target asset account book;

[0015] Feedback the investment product recommendation result to the customer, and prompt the customer to confirm whether to perform asset allocation based on the investment product recommendation result;

[0016] In response to the customer confirming an operation of performing asset allocation based on the investment product recommendation result, an investment product transaction corresponding to the investment product recommendation result is executed, and the account book asset list corresponding to the target asset account book is updated according to the transaction result.

[0017] Optionally, in the above method, in response to the customer's operation of creating a new account book, creating each asset account book corresponding to the customer, and determining the account book asset list corresponding to each asset account book, including:

[0018] Obtain multiple pre-set guided question statements;

[0019] Displaying each of the guided question sentences to the customer and prompting the customer to answer;

[0020] Obtaining the customer's response to each of the guided question statements;

[0021] Determine the account asset information corresponding to the customer;

[0022] Input each of the response statements, the user information and the account asset information into a pre-built user portrait model, and use the user portrait model to predict the financial management purpose of the customer to obtain a prediction result output by the user portrait model; the prediction result includes each predicted purpose, the account book fund budget corresponding to each predicted purpose, and the expected profit target corresponding to each predicted purpose;

[0023] Displaying each of the predicted uses to the customer, and prompting the customer to confirm whether to create an account book based on each of the predicted uses;

[0024] In response to the customer confirming the operation of establishing a ledger based on each of the predicted uses, establishing an asset ledger corresponding to each of the predicted uses;

[0025] For each of the predicted purposes, based on the account asset information, the book fund budget corresponding to the predicted purpose, and the expected return target corresponding to the predicted purpose, determine the asset allocation plan corresponding to the predicted purpose;

[0026] Displaying the asset allocation plans corresponding to the predicted uses to the customer, and prompting the customer to confirm whether to divide the assets based on the asset allocation plans;

[0027] In response to the customer confirming the operation of dividing the assets based on each of the asset allocation plans, based on the asset allocation plan corresponding to each of the predicted uses, a book asset list corresponding to the asset book corresponding to each of the predicted uses is created;

[0028] Each of the predicted uses is used as the asset use, and the asset ledgers corresponding to the respective predicted uses are used as the asset ledgers corresponding to the respective customers.

[0029] Optionally, in the above method, in response to the customer's operation of creating a new account book, creating each asset account book corresponding to the customer, and determining the account book asset list corresponding to each asset account book, including:

[0030] Obtaining each account book purpose input by the customer, and establishing an asset account book corresponding to each account book purpose;

[0031] Determine the account asset list corresponding to the customer, display the account asset list to the customer, and prompt the customer to perform asset allocation operations;

[0032] In response to the asset allocation operation of the customer, determining an asset allocation plan corresponding to each account book purpose set by the customer;

[0033] For each asset account book corresponding to the account book purpose, based on the asset allocation plan corresponding to the account book purpose, establish an account book asset list corresponding to the asset account book;

[0034] Each of the account book purposes is used as the asset purpose, and the asset account books corresponding to the respective account book purposes are used as the respective asset account books corresponding to the customers.

[0035] The above method may optionally further include:

[0036] Monitoring the asset information corresponding to each asset account book corresponding to the client, the asset information corresponding to each asset account book including each asset type corresponding to the asset account book, the asset amount corresponding to each asset type, and the rate of return corresponding to each asset type;

[0037] Determine the estimated income corresponding to each asset account book based on the asset information corresponding to each asset account book;

[0038] For each asset book corresponding to the client, determine the expected return corresponding to the asset book, and determine the asset allocation deviation corresponding to the asset book based on the expected return corresponding to the asset book and the estimated return corresponding to the asset book;

[0039] Determine whether the asset allocation deviation corresponding to each of the asset books is greater than a preset deviation threshold, and use the asset book whose corresponding asset allocation deviation is greater than the deviation threshold as the first asset book;

[0040] Prompt the customer that the asset configuration of the first asset account book is abnormal, and prompt the customer to confirm whether to reconfigure the assets of the first asset account book;

[0041] In response to the customer confirming an operation of reconfiguring the assets of the first asset account book, applying the asset configuration decision model to perform an asset reconfiguration evaluation on the first asset account book to obtain an asset configuration plan corresponding to the first asset account book;

[0042] Based on the asset allocation plan corresponding to the first asset account book, the account book asset list corresponding to the first asset account book is updated.

[0043] The above method may optionally further include:

[0044] When a first financial transaction corresponding to the second asset account book is monitored, determining a first transaction type, a first transaction asset type, and a first transaction amount corresponding to the first financial transaction;

[0045] Based on the first transaction type, the first transaction asset type, and the first transaction amount, a list of account book assets corresponding to the second asset account book is updated.

[0046] The above method may optionally further include:

[0047] When a second financial transaction corresponding to the customer's account is monitored, determining a second transaction type, a second transaction asset type, and a second transaction amount corresponding to the second financial transaction;

[0048] Determining, in each asset account book corresponding to the customer, each third asset account book corresponding to the second transaction asset type;

[0049] Determining a change amount corresponding to each of the third asset ledgers based on the second transaction amount and a preset change strategy;

[0050] For each of the third asset ledgers, based on the second transaction type, the second transaction asset type and the change amount corresponding to the third asset ledger, the ledger asset list corresponding to the third asset ledger is updated.

[0051] The above method may optionally further include:

[0052] In response to the customer's operation of adjusting the asset allocation between the account books, determining a fourth asset account book and a fifth asset account book; the fourth asset account book is the asset account book from which assets need to be transferred out currently, and the fifth asset account book is the asset account book from which assets need to be transferred in currently;

[0053] Determine the type and amount of assets to be divided;

[0054] Based on the type of assets to be divided and the amount of assets to be divided, a data update operation of asset delimitation is performed on the account book asset list corresponding to the fourth asset account book, and a data update operation of asset delimitation is performed on the account book asset list corresponding to the fifth asset account book.

[0055] An asset allocation device, comprising:

[0056] The account book creation unit is used to create each asset account book corresponding to the customer in response to the customer's operation of creating a new account book, determine the account book asset list corresponding to each asset account book, and display the account book asset list corresponding to each asset account book to the customer; each asset account book corresponds to each preset asset purpose one by one;

[0057] A configuration request unit, configured to, when receiving a book asset configuration request corresponding to the client, determine, in each of the asset book, a target asset book corresponding to the book asset configuration request;

[0058] A first determining unit is used to determine the account book planning information corresponding to the target asset account book, wherein the account book planning information includes the asset usage, the total amount of account book assets and the expected income of the account book corresponding to the target asset account book;

[0059] A second determining unit, used to determine user information corresponding to the customer;

[0060] A configuration evaluation unit, configured to input the account book planning information and the user information into a preset asset configuration decision model, and the asset configuration decision model performs asset configuration evaluation processing to obtain an asset configuration plan output by the asset configuration decision model;

[0061] A third determining unit, configured to determine a recommendation result of an investment product corresponding to the target asset account book based on the asset allocation plan;

[0062] A product recommendation unit, configured to feed back the investment product recommendation result to the customer and prompt the customer to confirm whether to perform asset allocation based on the investment product recommendation result;

[0063] An asset transaction unit is used to respond to the customer's confirmation of an asset allocation operation based on the investment product recommendation result, execute the investment product transaction corresponding to the investment product recommendation result, and update the account book asset list corresponding to the target asset account book according to the transaction result.

[0064] A storage medium includes stored instructions, wherein when the instructions are executed, the device where the storage medium is located is controlled to execute the asset configuration method as described above.

[0065] An electronic device includes a memory and one or more instructions, wherein the one or more instructions are stored in the memory and are configured to be executed by one or more processors as the asset allocation method described above.

[0066] An asset allocation method provided based on the above-mentioned embodiment of the present invention includes: in response to a customer's operation of creating a new account book, creating each asset account book corresponding to the customer, determining a list of account book assets corresponding to each asset account book, and displaying the list of account book assets corresponding to each asset account book to the customer; each asset account book corresponds to each preset asset purpose one by one; when receiving a book asset allocation request corresponding to the customer, determining a target asset account book corresponding to the book asset allocation request in each asset account book; determining account book planning information corresponding to the target asset account book, the account book planning information including the asset purpose corresponding to the target asset account book, the total amount of book assets and the expected book income; determining the customer The method comprises the following steps: inputting the account book planning information and the user information into the preset asset allocation decision model, and the asset allocation decision model performs asset allocation evaluation processing to obtain the asset allocation plan output by the asset allocation decision model; determining the investment product recommendation result corresponding to the target asset account book based on the asset allocation plan; feeding back the investment product recommendation result to the customer, and prompting the customer to confirm whether to perform asset allocation based on the investment product recommendation result; in response to the customer confirming the operation of performing asset allocation based on the investment product recommendation result, executing the investment product transaction corresponding to the investment product recommendation result, and updating the account book asset list corresponding to the target asset account book according to the transaction result. By applying the method provided in the embodiment of the present invention, the customer can create different asset accounts based on different asset uses. In the process of asset allocation evaluation, the asset allocation decision model can be used to make asset allocation decisions based on the relevant information of the specified asset account book, and the corresponding asset allocation plan can be obtained, thereby providing asset allocation suggestions to the customer, and providing the customer with personalized asset allocation evaluation guided by asset use, which is conducive to improving the accuracy of asset allocation evaluation, meeting the customer's asset management needs guided by asset use, and improving customer experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0067] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying creative work.

[0068] Figure 1 A method flow chart of an asset allocation method provided by an embodiment of the present invention;

[0069] Figure 2 An example diagram of asset account division provided by an embodiment of the present invention;

[0070] Figure 3 An example diagram of updating an asset account book after a financial transaction provided by an embodiment of the present invention;

[0071] Figure 4 An example diagram of an update of an asset account book after a financial transaction is performed on the asset account book provided by an embodiment of the present invention;

[0072] Figure 5 An example diagram of an account book update after a financial transaction is performed on an account provided by an embodiment of the present invention;

[0073] Figure 6 Another example diagram of an account book update after a financial transaction is performed on an account provided by an embodiment of the present invention;

[0074] Figure 7 An example diagram of an account book update for allocating assets between account books provided by an embodiment of the present invention;

[0075] Figure 8 A schematic diagram of the architecture of a customer wealth management system provided by an embodiment of the present invention;

[0076] Fig. 9 A schematic diagram of the structure of an asset allocation device provided by an embodiment of the present invention;

[0077] Fig.10 A schematic diagram of the structure of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0078] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0079] In this application, the terms "comprises", "comprising" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, an element defined by the sentence "comprising a ..." does not exclude the presence of other identical elements in the process, method, article or device comprising the element.

[0080] The embodiment of the present invention provides an asset allocation method, which can be applied to a customer wealth management system of a bank, and the execution subject can be a server of the system. The method flow chart of the method is as follows: Figure 1 As shown, including:

[0081] S101: In response to the customer's operation of creating a new account book, create each asset account book corresponding to the customer, determine the account book asset list corresponding to each asset account book, and display the account book asset list corresponding to each asset account book to the customer; each asset account book corresponds to each preset asset purpose one by one;

[0082] In the method provided in the embodiment of the present invention, a wealth account book tool can be provided to customers in a bank APP such as a mobile banking app. The wealth account book tool can be regarded as an electronic account book tool that provides customers with functions such as asset account classification, asset division, and investment and financial management. Customers can use this tool to establish different asset account books according to the purpose of the assets. Each asset account book is used to record the assets allocated for the corresponding asset purpose, and specifically can record the asset type of the allocated assets and the asset amount corresponding to each asset type. The asset type can be a time deposit, a demand deposit, various funds, various insurances, etc.

[0083] When a customer creates a new account book through the wealth account book tool, the system can determine the customer's various asset uses based on the customer's operation, create an asset account book corresponding to each asset use, and establish a list of account book assets corresponding to each asset account book. The account book information of the asset account book usually also includes data related to financial investment, such as expected returns. The account book asset list corresponding to each asset account book records the various types of assets allocated to the asset account book and the asset amounts corresponding to each type of asset. The initialized account book asset list is a blank list. Assets can be allocated to different asset accounts based on the total assets of the customer's account through manual allocation by the customer or other means. A certain type of asset can be allocated as a whole to a certain asset account book, or a certain type of asset can be divided into multiple parts and allocated to different asset accounts. The system can display the account book asset list corresponding to each asset account book to the customer on the front-end interface to facilitate the customer's asset allocation operations. For example, if Figure 2As shown in the figure, the total assets of a customer's account include asset 1 (asset amount A), asset 2 (asset amount B), asset 3 (asset amount C), asset 4 (asset amount D) and asset 5 (asset amount E). The customer chooses to use retirement planning, study abroad planning and lucky red envelopes as asset purposes, and establishes three asset books, namely the retirement planning book, the study abroad planning book and the lucky red envelope book. The asset list of the retirement planning book records asset 1 (asset amount A1), asset 2 (asset amount B1), asset 3 (asset amount C1) and asset 4 (asset amount D1), the asset list of the study abroad planning book records asset 1 (asset amount A2), asset 2 (asset amount B2), asset 3 (asset amount C2) and asset 5 (asset amount E2), and the asset list of the lucky red envelope book records asset 1 (asset amount A3), asset 3 (asset amount C3), asset 4 (asset amount D3) and asset 5 (asset amount E3). It should be noted that the customer's account assets are all the assets under his financial account, which are generated based on the customer's financial transactions. Each asset ledger is only a tool for recording asset allocation. The allocation of assets in the asset ledger has no effect on the customer's account assets, and the total amount of assets allocated in the asset account is subject to the customer's account assets, that is, the total amount of each asset in each asset ledger should be less than or equal to the total asset value of the corresponding assets in the customer's account, for example Figure 2 The asset allocation of the asset ledger shown should satisfy the following constraints: A1+A2+A3≤A, B1+B2≤B, C1+C2+C3≤C, D1+D3≤D, E2+E3≤E.

[0084] S102: When receiving a book asset configuration request corresponding to the customer, determining a target asset book corresponding to the book asset configuration request in each of the asset books;

[0085] In the method provided by the embodiment of the present invention, the system may provide a control for triggering the asset configuration recommendation function in the display interface of each asset account book, that is, the customer can send a book asset configuration request for the asset account book by clicking the control in the display interface of a specific asset account book. The system may also prompt the customer whether it is necessary to perform asset configuration for the asset account book after the customer creates the asset account book. If the customer chooses to perform asset configuration for the asset account book, the corresponding book asset configuration request is sent. When the system receives the book asset configuration request associated with the current customer, the target asset account book can be determined in each asset account book according to the request data, that is, the asset account book selected by the customer and currently requiring asset configuration.

[0086] S103: Determine the account book planning information corresponding to the target asset account book, where the account book planning information includes the asset usage, the total amount of account book assets, and the expected income of the account book corresponding to the target asset account book;

[0087] In the method provided by the embodiment of the present invention, the system can count the total assets of all assets allocated in the target asset ledger based on the asset information currently recorded in the ledger asset list of the target asset ledger. In the process of creating an asset ledger, the customer is required to confirm the expected income of the ledger corresponding to the asset ledger, that is, the income that the assets allocated in the asset ledger corresponding to the asset usage are expected to bring. The expected income of the ledger corresponding to the asset ledger is stored as the ledger information of the asset ledger. The system can obtain the expected income of the ledger corresponding to the target asset ledger from the ledger information of the target asset ledger. The asset usage corresponding to the target asset ledger, the total assets of the ledger corresponding to the target asset ledger, and the expected income of the ledger corresponding to the target asset ledger are used as the ledger planning information corresponding to the target asset ledger.

[0088] S104: Determine the user information corresponding to the customer;

[0089] In the method provided by the embodiment of the present invention, the system can obtain the customer's age, education level, income status and other personal data associated with the user portrait from the customer's personal information, and use these personal data as the user information corresponding to the customer.

[0090] It should be noted that before using the technical solutions disclosed in the embodiments of the present invention, the types, scope of use, usage scenarios, etc. of personal information involved in the embodiments of the present invention should be informed to the user and the user's authorization should be obtained in an appropriate manner in accordance with relevant laws and regulations.

[0091] S105: Inputting the account book planning information and the user information into a preset asset allocation decision model, and performing asset allocation evaluation processing by the asset allocation decision model to obtain an asset allocation plan output by the asset allocation decision model;

[0092] In the method provided by the embodiment of the present invention, an asset allocation decision model can be constructed in advance by using a machine learning algorithm or based on a large model. The asset allocation decision model can evaluate the asset allocation in the dimension of the asset account book based on the account planning information and user information of the input asset account book, and output a corresponding asset allocation plan. The asset allocation plan includes recommended asset types and recommended configuration ratios for each type of asset type in the recommended configuration.

[0093] The system can input the account planning information corresponding to the target asset account and the user information of the current customer into the asset allocation decision model, and the asset allocation decision model will evaluate the asset allocation of the target asset account to obtain the asset allocation plan output by the asset allocation decision model.

[0094] S106: Based on the asset allocation plan, determine the investment product recommendation result corresponding to the target asset account book;

[0095] In the method provided by the embodiment of the present invention, the system can screen the various investment products recommended to the customer from the various investment products currently on sale according to the asset types and allocation ratios recommended in the asset allocation plan, and evaluate the investment amount of each type of investment product according to the total amount of account assets of the target asset account book, the expected return of the account book, and the allocation ratio corresponding to each type of asset type, to obtain the recommended investment amount for each recommended investment product. The recommended investment products and the recommended investment amount corresponding to each investment product are used as the investment product recommendation result corresponding to the target asset account book.

[0096] S107: Feedback the investment product recommendation result to the customer, and prompt the customer to confirm whether to perform asset allocation based on the investment product recommendation result;

[0097] In the method provided by the embodiment of the present invention, the system can display the investment product recommendation results corresponding to the target asset account book to the customer through the front end, and prompt the customer to confirm whether to perform asset allocation based on the investment product recommendation results through a corresponding prompt box. The customer can confirm to perform asset allocation based on the investment product recommendation results by triggering a control representing consent, and can also confirm not to perform asset allocation based on the investment product recommendation results by triggering a control representing rejection. If the customer does not perform asset allocation based on the investment product recommendation results, he can perform asset allocation for the target asset account book on his own, that is, he can enter the corresponding interface for purchasing investment products from the display interface of the target asset account book, and the customer can choose the investment product and purchase amount to be purchased. After completing the investment product transaction, the investment product purchased by the customer will be used as an asset allocated to the target asset account book, thereby updating the account asset list of the target asset account book.

[0098] S108: In response to the customer confirming the operation of performing asset allocation based on the investment product recommendation result, executing the investment product transaction corresponding to the investment product recommendation result, and updating the account book asset list corresponding to the target asset account book according to the transaction result.

[0099] In the method provided by the embodiment of the present invention, if the customer confirms to make asset allocation based on the investment product recommendation result, the system will execute the corresponding investment product transaction based on the investment product recommendation result, that is, according to the recommended investment amount corresponding to each investment product, purchase transactions are performed for each investment product respectively. After the purchase transaction of the investment product is completed, the account book asset list corresponding to the target asset account book is updated according to the transaction result, that is, the asset amount corresponding to each investment product is updated in the account book asset list. Specifically, if the investment product is purchased through an unlocked demand deposit in the account (that is, the demand deposit amount that has not been allocated to any asset account book), then only the asset amount of the investment product in the target asset account book is updated. If the investment product is purchased through a demand deposit allocated to the target asset account book, then the asset amount corresponding to the investment product in the target asset account book and the amount of the demand deposit are updated. For example, if Figure 3 As shown, the customer account contains assets such as bond funds, stock funds, gold ETF linked funds, annuity insurance, increasing whole life insurance, demand deposits, time deposits, stock funds 2 and fixed income financial management. In the process of asset allocation for the pension planning account book, it is necessary to execute the transaction of purchasing bond funds, and the purchase amount is After completing the bond fund transaction, the customer account will be automatically updated according to the transaction results. The asset amount of the bond fund in the customer account will be updated from A to A', A'=A+ In the transaction of bond funds, customers can choose to purchase bond funds through the current deposits allocated to the pension planning account book. In this scenario, Figure 3 The method shown in method 1 above updates the account book assets of the pension planning account book, that is, the asset amount of the bond fund is updated from A1 to , update the asset amount of demand deposit from F1 to Customers can also choose to purchase bond funds through the current deposits that are not locked in the current account (i.e. the current deposit amount that is not allocated to any asset book). In this scenario, Figure 3 The method shown in method 2 is to update the account book assets of the pension planning account book, that is, only the asset amount of the bond fund is updated from A1 to , while the asset amount of demand deposits will not be adjusted. It is understandable that if the customer makes asset allocation for the target asset ledger and purchases investment products on his own, the updating principle of the target asset ledger is the same as the updating method of the ledger for asset allocation based on the investment product recommendation results.

[0100] By applying the method provided in the embodiment of the present invention, customers can create different asset ledgers based on different asset uses. In the asset allocation evaluation process, they can make asset allocation decisions based on the relevant information of the specified asset ledger and use the asset allocation decision model to obtain the corresponding asset allocation plan, thereby providing asset allocation suggestions to customers. Customers can be provided with personalized asset allocation evaluation guided by asset use, which is conducive to improving the accuracy of asset allocation evaluation, meeting customers' asset management needs based on asset use, and improving customer experience.

[0101] exist Figure 1 On the basis of the method shown, in the method provided by the embodiment of the present invention, the process mentioned in step S101 of creating each asset ledger corresponding to the customer in response to the customer's operation of creating a new ledger, and determining the ledger asset list corresponding to each asset ledger includes:

[0102] Obtain multiple pre-set guided question statements;

[0103] Displaying each of the guided question sentences to the customer and prompting the customer to answer;

[0104] In the method provided by the embodiment of the present invention, the system can provide the function of automatically creating an account book. If the customer selects the function of automatically creating a new account book in the front-end interface, the system obtains the pre-set guided question statements, each of which is a question statement about the customer's wealth planning and fund use requirements, etc. The specific question content can be set according to actual business needs. The system can display each guided question statement to the customer in the front-end interface in sequence or at the same time, prompting the customer to answer each question, and the answer method can be set according to actual needs, for example, the customer can answer by text input, by voice, or by providing options for the customer to choose to answer.

[0105] Obtaining the customer's response to each of the guided question statements;

[0106] In the method provided by the embodiment of the present invention, after the customer responds, the system can obtain the customer's response sentence for each guided question sentence.

[0107] Determine the account asset information corresponding to the customer;

[0108] In the method provided in the embodiment of the present invention, customer account asset data can be obtained from the corresponding business system based on the customer ID, and the customer's account asset data can be used as the customer's corresponding account asset information.

[0109] Input each of the response statements, the user information and the account asset information into a pre-built user portrait model, and use the user portrait model to predict the financial management purpose of the customer to obtain a prediction result output by the user portrait model; the prediction result includes each predicted purpose, the account book fund budget corresponding to each predicted purpose, and the expected profit target corresponding to each predicted purpose;

[0110] In the method provided by the embodiment of the present invention, a user portrait model can be pre-constructed to predict information about the purpose of customer financial management. The user portrait model can be constructed based on a machine learning model (such as lightGBM) or a large model (such as ChatGLM). In the process of establishing the account book, each response statement, user information and account asset information of the current customer can be input into the user portrait model. After being processed by the model, the prediction results output by the model are obtained, including each predicted purpose, the account book funding budget and expected return target for each predicted purpose. The predicted purpose refers to the prediction result of the asset use for customer financial management, the account book funding budget corresponding to the predicted purpose refers to the prediction result of the customer's funding budget invested in this purpose, and the predicted return target corresponding to the predicted purpose refers to the prediction result of the customer's expected target for financial management return on this purpose.

[0111] Displaying each of the predicted uses to the customer, and prompting the customer to confirm whether to create an account book based on each of the predicted uses;

[0112] In the method provided by the embodiment of the present invention, the system can display each predicted purpose to the customer through the front-end interface, and prompt the customer to confirm whether to establish an account book based on each predicted purpose through corresponding prompt statements and selection controls.

[0113] In response to the customer confirming the operation of establishing a ledger based on each of the predicted uses, establishing an asset ledger corresponding to each of the predicted uses;

[0114] In the method provided by the embodiment of the present invention, if the customer chooses to establish an account book based on each predicted purpose, the system will establish a corresponding asset account book according to each predicted purpose. In addition, the account book capital budget and expected profit target corresponding to each predicted purpose can be stored as associated data of the corresponding asset account book.

[0115] For each of the predicted purposes, based on the account asset information, the book fund budget corresponding to the predicted purpose, and the expected return target corresponding to the predicted purpose, determine the asset allocation plan corresponding to the predicted purpose;

[0116] In the method provided by the embodiment of the present invention, after establishing the asset ledgers corresponding to each predicted purpose, it is possible to further allocate assets for each asset ledger based on the customer's account assets based on the customer's account assets, as well as the ledger fund budget and expected return target corresponding to each predicted purpose, to obtain an asset allocation plan corresponding to each predicted purpose. The method of determining the asset allocation plan corresponding to the predicted purpose can be specifically performed by training a corresponding machine learning model for allocation planning.

[0117] Displaying the asset allocation plans corresponding to the predicted uses to the customer, and prompting the customer to confirm whether to divide the assets based on the asset allocation plans;

[0118] In the method provided by the embodiment of the present invention, the system can display the asset allocation scheme corresponding to each predicted purpose to the customer through the front-end interface, and prompt the customer to confirm whether to divide the assets of each asset account book based on each asset allocation scheme through prompt statements and selection controls. If the customer chooses not to divide the assets based on each asset allocation scheme, no automatic allocation will be made, and an initialization account book asset list for each asset account book can be established. The customer can then manually perform the asset allocation operation to allocate the account assets to each asset account book.

[0119] In response to the customer confirming the operation of dividing the assets based on each of the asset allocation plans, based on the asset allocation plan corresponding to each of the predicted uses, a book asset list corresponding to the asset book corresponding to each of the predicted uses is created;

[0120] Each of the predicted uses is used as the asset use, and the asset ledgers corresponding to the respective predicted uses are used as the asset ledgers corresponding to the respective customers.

[0121] In the method provided by the embodiment of the present invention, if the customer chooses to divide assets based on various asset allocation schemes, assets are allocated to the asset books corresponding to the corresponding predicted purposes according to the asset allocation scheme corresponding to each predicted purpose, and a book asset list of the corresponding asset book is created based on the assets and asset amounts allocated to the corresponding asset books. Each predicted purpose is used as an asset purpose, and thus the asset books corresponding to each predicted purpose are used as the customer's various asset books.

[0122] exist Figure 1 On the basis of the method shown, in the method provided by the embodiment of the present invention, the process mentioned in step S101 of creating each asset ledger corresponding to the customer in response to the customer's operation of creating a new ledger, and determining the ledger asset list corresponding to each asset ledger includes:

[0123] Obtaining each account book purpose input by the customer, and establishing an asset account book corresponding to each account book purpose;

[0124] In the method provided in the embodiment of the present invention, the system can provide a function of manually establishing an account book, that is, the customer can set the relevant information of the account book by himself to establish an asset account book. If the customer selects the new account book function of manually establishing an account book in the front-end interface, the system can display the input interface of the account book information through the front-end interface, and can present the information input interface in the form of a questionnaire or a table to guide the customer to fill in the account book purpose, budget, expected return and maximum drawdown limit and other information. The system can obtain the various account book purposes entered by the customer based on the information entered by the customer, and establish an asset account book corresponding to each account book purpose. In addition, other information entered by the customer can be stored as associated data of the corresponding asset account book.

[0125] Determine the account asset list corresponding to the customer, display the account asset list to the customer, and prompt the customer to perform asset allocation operations;

[0126] In the method provided by the embodiment of the present invention, after the asset ledger is established, a customer account asset list can be created based on the customer account asset data, that is, a list of all assets under the customer account name, and the customer's account asset list can be displayed to the customer through the front-end interface to provide the customer with an asset allocation operation interface to prompt the customer to perform asset allocation operations.

[0127] In response to the asset allocation operation of the customer, determining an asset allocation plan corresponding to each account book purpose set by the customer;

[0128] In the method provided by the embodiment of the present invention, the system can determine the asset allocation plan for the customer to allocate assets for each type of account book usage according to the customer's allocation operation of the account assets.

[0129] For each asset account book corresponding to the account book purpose, based on the asset allocation plan corresponding to the account book purpose, establish an account book asset list corresponding to the asset account book;

[0130] Each of the account book purposes is used as the asset purpose, and the asset account books corresponding to the respective account book purposes are used as the respective asset account books corresponding to the customers.

[0131] In the method provided by the embodiment of the present invention, according to the asset allocation plan corresponding to each account book purpose, the assets and asset amounts to be allocated to the asset account book corresponding to each account book purpose are determined, so as to establish the account book asset list corresponding to the asset account book corresponding to each account book purpose. Each account book purpose is used as the asset purpose, and thus the asset account book corresponding to each account book purpose is used as each asset account book of the customer.

[0132] exist Figure 1 On the basis of the method shown, the method provided in the embodiment of the present invention further includes:

[0133] Monitoring the asset information corresponding to each asset account book corresponding to the client, the asset information corresponding to each asset account book including each asset type corresponding to the asset account book, the asset amount corresponding to each asset type, and the rate of return corresponding to each asset type;

[0134] In the method provided in the embodiment of the present invention, the system can regularly monitor the asset information of each asset account book of the customer, including data such as the asset type in the asset account book, the asset amount of each type of asset, and the rate of return of each type of asset.

[0135] Determine the estimated income corresponding to each asset account book based on the asset information corresponding to each asset account book;

[0136] In the method provided in the embodiment of the present invention, the income that can be brought by the assets in each asset account book is evaluated according to the asset information corresponding to each asset account book, and the evaluated income is used as the estimated income corresponding to the corresponding asset account book.

[0137] For each asset book corresponding to the client, determine the expected return corresponding to the asset book, and determine the asset allocation deviation corresponding to the asset book based on the expected return corresponding to the asset book and the estimated return corresponding to the asset book;

[0138] In the method provided by the embodiment of the present invention, during the establishment of the asset account book, the expected return corresponding to each asset account book will be obtained, and the expected return data will be stored as the account book information of the asset account book. The data can be set by the customer or predicted by the system. For each asset account book, the expected return corresponding to the asset account book can be obtained from its account book information, and based on the expected return and the estimated return of the asset account book, the deviation degree between the estimated return and the expected return of the asset account book is evaluated, and the deviation degree between the estimated return and the expected return is used as the asset allocation deviation corresponding to the asset account book.

[0139] Determine whether the asset allocation deviation corresponding to each of the asset books is greater than a preset deviation threshold, and use the asset book whose corresponding asset allocation deviation is greater than the deviation threshold as the first asset book;

[0140] In the method provided in the embodiment of the present invention, the deviation threshold can be set in advance according to actual needs. The system can compare the asset configuration deviation corresponding to each asset account book with the preset deviation threshold, and use the asset account book whose asset configuration deviation exceeds the deviation threshold as the first asset account book. If the first asset account book does not exist, no subsequent operation can be performed.

[0141] It should be noted that the different names of the asset books, such as the first asset book, the second asset book, the third asset book, the fourth asset book, the fifth asset book, etc., mentioned in various embodiments of this document are only for distinguishing the asset books in different scenarios, and the descriptions of first, second, third, etc. themselves do not have the meaning of order or number.

[0142] Prompt the customer that the asset configuration of the first asset account book is abnormal, and prompt the customer to confirm whether to reconfigure the assets of the first asset account book;

[0143] In the method provided by the embodiment of the present invention, if there is a first asset account book, when the customer accesses the corresponding bank APP or accesses the relevant interface of the asset account book, the customer is prompted that the asset configuration of the first asset account book is abnormal, and the customer is asked whether to reconfigure the assets of the first asset account book. Asset reconfiguration refers to reconfiguring assets, that is, adjusting the investment plans of various types of assets.

[0144] In response to the customer confirming an operation of reconfiguring the assets of the first asset account book, applying the asset configuration decision model to perform an asset reconfiguration evaluation on the first asset account book to obtain an asset configuration plan corresponding to the first asset account book;

[0145] In the method provided in the embodiment of the present invention, if the customer chooses to reconfigure the assets of the first asset account book, the system applies the asset allocation decision model to evaluate the asset reconfiguration of the first asset account book, and uses the asset allocation plan currently output by the model as the asset allocation plan corresponding to the first asset account book. The application method of the asset allocation decision model is the same as the method of performing asset allocation evaluation based on the asset allocation decision model mentioned in step S105 in the previous embodiment, and will not be repeated here.

[0146] Based on the asset allocation plan corresponding to the first asset account book, the account book asset list corresponding to the first asset account book is updated.

[0147] In the method provided in the embodiment of the present invention, the system can adjust the assets allocated to the first asset account book according to the asset allocation plan corresponding to the first asset account book, such as allocating some assets from the first asset account book or allocating other assets to the account book, thereby updating the account book asset list of the first asset account book.

[0148] exist Figure 1 On the basis of the method shown, the method provided in the embodiment of the present invention further includes:

[0149] When a first financial transaction corresponding to the second asset account book is monitored, determining a first transaction type, a first transaction asset type, and a first transaction amount corresponding to the first financial transaction;

[0150] Based on the first transaction type, the first transaction asset type, and the first transaction amount, a list of account book assets corresponding to the second asset account book is updated.

[0151] In the method provided in the embodiment of the present invention, the system can provide customers with financial transaction channels in the dimension of asset books, that is, customers can conduct financial transactions for assets recorded in a certain asset book in the interface of the asset book, such as selling designated investment products or purchasing designated investment products, etc. At this time, the asset data recorded in the asset book will change. If there are passively generated financial transactions in the investment products recorded in the asset book and the total amount of assets is fully allocated to the asset book, the asset data recorded in the asset book will also change, such as financial transactions generated by passive behaviors such as automatic redemption of time deposits or wealth management products upon maturity, and liquidation of funds. In the embodiment of the present invention, financial transactions triggered by customers in the asset book and financial transactions triggered by passive behaviors of assets with full amounts transferred to the asset book are all regarded as financial transactions corresponding to the corresponding asset books.

[0152] In an embodiment of the present invention, it is possible to monitor in real time whether each of the client's asset books generates corresponding financial transactions. When an asset book that generates a corresponding financial transaction is monitored, the asset book is used as the second asset book, and the transaction type (i.e., the first transaction type), transaction asset type (i.e., the first transaction asset type) and transaction amount (i.e., the first transaction amount) of the current financial transaction are obtained from the transaction information of the current financial transaction. The transaction type of the current financial transaction refers to the type of the current transaction operation, such as the redemption or purchase of an investment product, and the transaction asset type of the current financial transaction refers to the type of the transaction asset, such as investment products such as bond funds and stock funds. It can be understood that when the first financial transaction corresponding to the second asset book is monitored, it is essentially a financial transaction that has occurred in the customer account, so the customer account will automatically change in the dimension of the financial transaction. In the embodiment of the present invention, the update of the second asset book is mainly explained. Specifically, the flow of funds can be determined based on the transaction type of the current financial transaction. For example, if it is a redemption transaction of an investment product, the asset amount limit of the investment product in the asset account book will be released according to the transaction amount, and the asset amount limit of the demand deposit in the asset account book will be increased. If it is a purchase transaction of an investment product, the asset amount limit of the investment product in the asset account book will be increased according to the transaction amount, and the asset amount limit of the demand deposit will be released.

[0153] For example, Figure 4 As shown, the financial transaction corresponding to the pension planning account book is currently detected. The financial transaction is the sale of stock funds, and the amount sold is After the financial transaction is completed, the asset amount of the stock fund in the customer account is automatically updated from B to B', and the asset amount of the current deposit is automatically updated from F to F'. For the pension planning account book, the asset amount of the stock fund is updated from B1 to , update the current deposit from F1 to . Among them, B´=B- , F'=F+ , =B1- , =F1+ .

[0154] It should be noted that the different names of transaction types such as the first transaction type and the second transaction type, the different names of transaction asset types such as the first transaction asset type and the second transaction asset type, and the names of transaction amounts such as the first transaction amount and the second transaction amount mentioned in various embodiments of this document are only for distinguishing transaction types, transaction asset types and transaction amounts in different transaction scenarios, and the descriptions such as first and second do not themselves have the meaning of order or quantity.

[0155] exist Figure 1 On the basis of the method shown, the method provided in the embodiment of the present invention further includes:

[0156] When a second financial transaction corresponding to the customer's account is monitored, determining a second transaction type, a second transaction asset type, and a second transaction amount corresponding to the second financial transaction;

[0157] In the method provided in the embodiment of the present invention, the customer can perform conventional financial transactions based on his financial account, such as transferring money, purchasing or redeeming investment products through the bank counter or the financial management function of the bank APP, etc. At this time, if the assets traded by the customer have been transferred to one or more asset ledgers, then the asset data recorded in the asset ledger needs to be updated. However, passive financial transactions may occur in the assets in the customer's account, such as automatic redemption of fixed deposits or financial products upon maturity, financial transactions generated by passive behaviors such as fund liquidation, etc. If the assets generating passive financial transactions have been partially transferred to one or more asset ledgers (that is, not all amounts are allocated to one asset ledger), then the asset data recorded in the corresponding asset ledger also needs to be updated. In the embodiment of the present invention, financial transactions performed by customers based on financial accounts involving assets transferred to asset ledgers, as well as financial transactions triggered by passive behaviors of assets in customer financial accounts that have been partially transferred to asset ledgers, are all regarded as financial transactions corresponding to customer accounts.

[0158] In an embodiment of the present invention, it is possible to detect in real time whether a customer account generates a corresponding financial transaction. When a financial transaction corresponding to a customer account is monitored, the financial transaction is used as a second financial transaction, and the transaction type (i.e., the second transaction type), transaction asset type (i.e., the second transaction asset type) and transaction amount (i.e., the second transaction amount) of the current financial transaction are obtained from the transaction information of the current financial transaction.

[0159] Determining, in each asset account book corresponding to the customer, each third asset account book corresponding to the second transaction asset type;

[0160] In the method provided in the embodiment of the present invention, the asset ledgers to which the assets corresponding to the second transaction asset type are allocated can be determined according to the asset ledger conditions in each asset ledger, and the asset ledgers to which the corresponding assets are allocated can be used as each third asset ledger.

[0161] Determining a change amount corresponding to each of the third asset ledgers based on the second transaction amount and a preset change strategy;

[0162] In the method provided in the embodiment of the present invention, a change strategy for determining the amount of assets that need to be changed in the asset account book can be pre-set when the amount of assets of the assets is not completely allocated to a single asset account book. The system can calculate the amount of change that needs to be adjusted for the corresponding assets in each third asset account book according to the transaction amount of the second financial transaction and the preset change strategy, that is, the amount of the asset amount change.

[0163] For each of the third asset ledgers, based on the second transaction type, the second transaction asset type and the change amount corresponding to the third asset ledger, the ledger asset list corresponding to the third asset ledger is updated.

[0164] In the method provided by the embodiment of the present invention, for each third asset account book, the assets corresponding to the second transaction asset type can be determined among the assets recorded in the third asset account book, and the current adjustment operation for the asset amount is determined according to the second transaction type. For example, if an investment product is sold, it is necessary to reduce the asset amount of the corresponding investment product and increase the asset amount of the current deposit. Then, the change amount corresponding to the third asset account book is used as the adjustment amount, and the corresponding adjustment operation is performed on the asset amount of the corresponding asset, so as to update the account book asset list of the third asset account book.

[0165] In the method provided in the embodiment of the present invention, the change strategy can be set by first writing down the available unlocked amount (that is, the amount of assets in the customer account that has not been allocated to any asset ledger). For example, if a customer sells an investment product based on his or her financial account, or there are passive behaviors such as the expiration of certain time deposits and the liquidation of funds, and the assets that passively generate financial transactions involve multiple asset ledgers, in the process of updating the asset ledger, the available unlocked amount in the customer account (the total amount of a certain asset minus the locked share in each ledger) can be written down first, and the insufficient amount can be written down proportionally from each asset ledger. After part of the assets contained in the asset ledger are sold, this part of the assets is converted to a current account, and other investment products can be purchased directly in the ledger later. For example, if Figure 5 The account update method shown is that the current customer has executed a financial transaction of selling a bond fund based on his financial account, and the amount of assets sold is When the transaction is completed, the asset amount of the bond fund in the customer account will be automatically updated from A to A', and the asset amount of the current deposit will be automatically updated from F to F', where A'=A- , F'=F+ .like Figure 5 As shown in the figure, the client's various asset books, namely the retirement planning book, study abroad planning book and New Year's red envelope book, involve bond funds in the retirement planning book and study abroad planning book, so the book asset lists of these two asset books need to be updated. First, the unblocked amount of bond funds in the client's account can be calculated, that is, the amount of assets in the bond fund that have not been allocated to the asset book. The calculation method is: , the total share that needs to be written down in equal proportion from each asset ledger for: = - .

[0166] The sum of the asset amounts allocated by the bond fund to each asset account book is taken as the total asset allocation amount. According to the proportion of the asset amount allocated by the bond fund in the asset account book to the total asset allocation amount, the write-down ratio corresponding to each asset account book is calculated, that is, the write-down ratio of the pension planning account book is A1 / (A1+A2), and the write-down ratio of the study abroad planning account book is A2 / (A1+A2). According to the write-down ratio of each asset account book, the change amount corresponding to each asset account book is calculated, that is, the change amount of the pension asset account book for: , the change amount of the study abroad planning account book for: .

[0167] Update the asset amount of the bond fund in the pension planning account book from A1 to , the asset amount of its demand deposit is updated from F1 to ,in, =A1- , =F1+ Update the asset amount of the bond fund in the study abroad planning account book from A2 to , increase the asset amount of demand deposits (The original account book has no current account), among which, =A2- , = .

[0168] For another example, when a customer conducts financial transactions such as consumption and repayment based on his financial account that require the use of current deposits in the account directly, the unlocked amount (total current deposit amount - current deposit amount occupied by each asset account book) is also reduced first, and the shortfall is proportionally reduced from each asset account book. Figure 6 The account update method shown in the figure shows that the current customer account has generated a financial transaction of spending the account's current deposit. The amount of the current deposit spent is When the transaction is completed, the amount of the current deposit in the customer's account will be automatically updated from F to F', F' = F- First, calculate the unlocked amount of current deposits in the customer account, that is, the current amount that has not been allocated to the asset book. for: The total amount that needs to be written off from each asset ledger for: = - . Change amount of pension asset account book for: , the change amount of the study abroad planning account book for: .

[0169] Then update the asset amount of the current deposit in the pension planning account book from F1 to , update the asset amount of the current deposit in the study abroad planning account book from F2 to .in, =F1- , =F2- .

[0170] exist Figure 1 On the basis of the method shown, the method provided in the embodiment of the present invention further includes:

[0171] In response to the customer's operation of adjusting the asset allocation between the account books, determining a fourth asset account book and a fifth asset account book; the fourth asset account book is the asset account book from which assets need to be transferred out currently, and the fifth asset account book is the asset account book from which assets need to be transferred in currently;

[0172] In the method provided in the embodiment of the present invention, the customer can reallocate the assets that have been allocated to a certain asset book, and transfer the assets from the current asset book to other asset books. When the customer transfers the assets in the asset book through the front end, the system responds to the customer's operation and can use the asset book from which the customer currently transfers the assets as the fourth asset book and the asset book from which the customer currently transfers the assets as the fifth asset book. It can be understood that the operation currently performed by the customer is to transfer the corresponding asset amount of a certain asset in the fourth asset book to the fifth asset book.

[0173] Determine the type and amount of assets to be divided;

[0174] In the method provided by the embodiment of the present invention, the system can determine the type of assets selected by the customer to allocate and the amount of assets selected by the customer to allocate based on the relevant information of the customer's operation, and use the type of assets allocated by the customer as the type of assets to be divided, and use the amount of assets selected by the customer to allocate as the amount of assets to be divided.

[0175] Based on the type of assets to be divided and the amount of assets to be divided, a data update operation of asset delimitation is performed on the account book asset list corresponding to the fourth asset account book, and a data update operation of asset delimitation is performed on the account book asset list corresponding to the fifth asset account book.

[0176] In the method provided by the embodiment of the present invention, the client can determine the assets that need to be updated and the asset amounts that need to be adjusted in the fourth asset book and the fifth asset book according to the asset types and asset amounts to be divided, and update the book asset lists of the fourth asset book and the fifth asset book accordingly, so as to write down the asset amounts corresponding to the asset types to be divided in the fourth asset book, and increase the asset amounts corresponding to the asset types to be divided in the fifth asset book. For example, Figure 7 The account update method shown is that the current customer chooses to transfer part of the stock fund in the pension planning account to the study abroad planning account. The amount of assets transferred is At this time, the asset amount of the stock fund in the pension planning account book is updated from B1 to , update the asset amount of the stock fund in the study abroad planning account book from B2 to ,in, , .

[0177] In addition, customers can cancel existing asset ledgers. When a customer chooses to cancel a certain asset ledger, all assets in the asset ledger will be transferred out, releasing the corresponding asset amount in the customer's account. The released asset amount can be transferred back to other asset ledgers, and the total assets in the account will not be affected.

[0178] In order to better illustrate the method provided by the embodiment of the present invention, based on the methods provided by the above embodiments, the embodiment of the present invention provides another asset allocation method, which applies the customer wealth management system of the bank. The system can be regarded as a wealth account book tool. The architecture diagram of the system can be shown as follows: Figure 8 As shown, the system includes: a wealth planning module, a wealth account management module and an asset allocation module. The wealth planning module is used to perform customer profiling, customer wealth planning and investigation and evaluation to explore customers' fund planning needs and financial management preferences. The system can call the wealth planning module to understand the customer's fund usage needs and provide customers with intelligent wealth account division suggestions. The asset allocation module is used for income risk management (yield target setting, maximum drawdown setting, etc.) and financial product recommendations (funds, fixed income financial management optimization, etc.). The system can evaluate the overall configuration performance of the account book through the asset allocation module, so as to dynamically recommend suitable financial products, and can track the deviation of the account book asset configuration, regularly conduct risk assessment on the account book assets, and dynamically adjust the assets held in the asset account book.

[0179] The wealth account management module is mainly used for account maintenance management (establishment, cancellation, renaming, etc.) and asset change management (asset transfer in and out, buying and selling, etc.). The wealth account management module can update the data tags (such as fund use tags, user asset configuration behavior tags) generated during the customer's account creation and asset configuration process to the customer portrait model of the wealth planning module, and provide the above data tags to the asset configuration module for intelligent recommendation of financial products and return risk assessment. Overall, the system can respond to the customer's manual account creation operation and establish the corresponding asset account (or wealth account), or call the wealth planning module to predict the customer's asset use, provide customers with suggestions for creating accounts, and establish the corresponding asset account when the customer chooses to establish an account according to the recommendation. Customers can trade investment products or allocate account asset allocation for asset accounts. The system can respond to customer operations and update each asset account. It can also call the asset configuration module to provide customers with asset configuration suggestions. When the customer confirms to trade according to the suggestion, the transaction is executed and the asset account is updated.

[0180] Based on the method provided in the embodiment of the present invention, customers can use the wealth account book tool to manually set up exclusive asset accounts according to specific goals (such as retirement, car purchase, house purchase) or family members (such as children). The tool can also assist customers in setting up asset accounts based on intelligent algorithms such as machine learning to fully meet customers' needs for fund account classification and enhance the freedom of fund allocation.

[0181] and Figure 1 Corresponding to the asset allocation method shown in FIG. 1 , the embodiment of the present invention further provides an asset allocation device for Figure 1 The specific implementation of the method shown in is shown in the structural diagram Fig. 9 As shown, including:

[0182] The account book creation unit 201 is used to create each asset account book corresponding to the customer in response to the customer's operation of creating a new account book, and determine the account book asset list corresponding to each asset account book, and display the account book asset list corresponding to each asset account book to the customer; each asset account book corresponds to each preset asset purpose one by one;

[0183] The configuration request unit 202 is used to determine, in each of the asset ledgers, a target asset ledger corresponding to the ledger asset configuration request when receiving the ledger asset configuration request corresponding to the client;

[0184] The first determining unit 203 is used to determine the account book planning information corresponding to the target asset account book, wherein the account book planning information includes the asset usage, the total amount of account book assets and the expected income of the account book corresponding to the target asset account book;

[0185] A second determining unit 204 is used to determine the user information corresponding to the customer;

[0186] The configuration evaluation unit 205 is used to input the account book planning information and the user information into a preset asset configuration decision model, and the asset configuration decision model performs asset configuration evaluation processing to obtain an asset configuration plan output by the asset configuration decision model;

[0187] A third determining unit 206 is used to determine the investment product recommendation result corresponding to the target asset account book based on the asset allocation plan;

[0188] The product recommendation unit 207 is used to feed back the investment product recommendation result to the customer and prompt the customer to confirm whether to perform asset allocation based on the investment product recommendation result;

[0189] The asset transaction unit 208 is used to respond to the customer confirming the operation of asset allocation based on the investment product recommendation result, execute the investment product transaction corresponding to the investment product recommendation result, and update the account book asset list corresponding to the target asset account book according to the transaction result.

[0190] By using the device provided in the embodiment of the present invention, customers can create different asset ledgers based on different asset uses. During the asset allocation evaluation process, they can make asset allocation decisions based on the relevant information of the specified asset ledger and use the asset allocation decision model to obtain the corresponding asset allocation plan, thereby providing asset allocation suggestions to customers. They can provide customers with personalized asset allocation evaluation guided by asset use, which is conducive to improving the accuracy of asset allocation evaluation, meeting customers' asset management needs based on asset use, and improving customer experience.

[0191] exist Fig. 9 Based on the device shown, the device provided in the embodiment of the present invention can be further expanded into multiple units. The function of each unit can be found in the description of each embodiment provided for the asset allocation method above, and no further examples will be given here.

[0192] An embodiment of the present invention further provides a storage medium, which includes stored instructions, wherein when the instructions are executed, the device where the storage medium is located is controlled to execute the asset configuration method as described above.

[0193] The embodiment of the present invention further provides an electronic device, the structural diagram of which is shown in FIG. Fig.10 As shown, it specifically includes a memory 301 and one or more instructions 302, wherein the one or more instructions 302 are stored in the memory 301 and are configured to be executed by one or more processors 303 to perform the following operations:

[0194] In response to the customer's operation of creating a new account book, create each asset account book corresponding to the customer, determine the account book asset list corresponding to each asset account book, and display the account book asset list corresponding to each asset account book to the customer; each asset account book corresponds to each preset asset purpose one by one;

[0195] When receiving a book asset configuration request corresponding to the client, determining a target asset book corresponding to the book asset configuration request in each of the asset books;

[0196] Determine the account book planning information corresponding to the target asset account book, wherein the account book planning information includes the asset usage, the total amount of account book assets and the expected income of the account book corresponding to the target asset account book;

[0197] Determine user information corresponding to the customer;

[0198] Inputting the account book planning information and the user information into a preset asset allocation decision model, and performing asset allocation evaluation processing by the asset allocation decision model to obtain an asset allocation plan output by the asset allocation decision model;

[0199] Based on the asset allocation plan, determine the investment product recommendation result corresponding to the target asset account book;

[0200] Feedback the investment product recommendation result to the customer, and prompt the customer to confirm whether to perform asset allocation based on the investment product recommendation result;

[0201] In response to the customer confirming an operation of performing asset allocation based on the investment product recommendation result, an investment product transaction corresponding to the investment product recommendation result is executed, and the account book asset list corresponding to the target asset account book is updated according to the transaction result.

[0202] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can refer to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system or system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can refer to the partial description of the method embodiment. The system and system embodiments described above are merely schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Ordinary technicians in this field can understand and implement it without creative work.

[0203] Professionals may further appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in the above description according to function. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professionals and technicians may use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention.

[0204] The above description of the disclosed embodiments enables one skilled in the art to implement or use the present invention. Various modifications to these embodiments will be apparent to one skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention will not be limited to the embodiments shown herein, but rather to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. An asset allocation method, characterized in that: include: In response to the customer's operation of creating a new account book, create each asset account book corresponding to the customer, determine the account book asset list corresponding to each asset account book, and display the account book asset list corresponding to each asset account book to the customer; each asset account book corresponds to each preset asset purpose one by one; When receiving a book asset configuration request corresponding to the client, determining a target asset book corresponding to the book asset configuration request in each of the asset books; Determine the account book planning information corresponding to the target asset account book, wherein the account book planning information includes the asset usage, the total amount of account book assets and the expected income of the account book corresponding to the target asset account book; Determine user information corresponding to the customer; Inputting the account book planning information and the user information into a preset asset allocation decision model, and performing asset allocation evaluation processing by the asset allocation decision model to obtain an asset allocation plan output by the asset allocation decision model; Based on the asset allocation plan, determine the investment product recommendation result corresponding to the target asset account book; Feedback the investment product recommendation result to the customer, and prompt the customer to confirm whether to perform asset allocation based on the investment product recommendation result; In response to the customer confirming an operation of performing asset allocation based on the investment product recommendation result, an investment product transaction corresponding to the investment product recommendation result is executed, and the account book asset list corresponding to the target asset account book is updated according to the transaction result.

2. The asset allocation method according to claim 1, characterized in that: In response to the customer's operation of creating a new account book, creating each asset account book corresponding to the customer, and determining the account book asset list corresponding to each asset account book, including: Obtain multiple pre-set guided question statements; Displaying each of the guided question sentences to the customer and prompting the customer to answer; Obtaining the customer's response to each of the guided question statements; Determine the account asset information corresponding to the customer; Input each of the response statements, the user information and the account asset information into a pre-built user portrait model, and use the user portrait model to predict the financial management purpose of the customer to obtain a prediction result output by the user portrait model; the prediction result includes each predicted purpose, the account book fund budget corresponding to each predicted purpose, and the expected profit target corresponding to each predicted purpose; Displaying each of the predicted uses to the customer, and prompting the customer to confirm whether to create an account book based on each of the predicted uses; In response to the customer confirming the operation of establishing a ledger based on each of the predicted uses, establishing an asset ledger corresponding to each of the predicted uses; For each of the predicted purposes, based on the account asset information, the book fund budget corresponding to the predicted purpose, and the expected return target corresponding to the predicted purpose, determine the asset allocation plan corresponding to the predicted purpose; Displaying the asset allocation plans corresponding to the predicted uses to the customer, and prompting the customer to confirm whether to divide the assets based on the asset allocation plans; In response to the customer confirming the operation of dividing the assets based on each of the asset allocation plans, based on the asset allocation plan corresponding to each of the predicted uses, a book asset list corresponding to the asset book corresponding to each of the predicted uses is created; Each of the predicted uses is used as the asset use, and the asset ledgers corresponding to the respective predicted uses are used as the asset ledgers corresponding to the respective customers.

3. The asset allocation method according to claim 1, characterized in that: In response to the customer's operation of creating a new account book, creating each asset account book corresponding to the customer, and determining the account book asset list corresponding to each asset account book, including: Obtaining each account book purpose input by the customer, and establishing an asset account book corresponding to each account book purpose; Determine the account asset list corresponding to the customer, display the account asset list to the customer, and prompt the customer to perform asset allocation operations; In response to the asset allocation operation of the customer, determining an asset allocation plan corresponding to each account book purpose set by the customer; For each asset account book corresponding to the account book purpose, based on the asset allocation plan corresponding to the account book purpose, establish an account book asset list corresponding to the asset account book; Each of the account book purposes is used as the asset purpose, and the asset account books corresponding to the respective account book purposes are used as the respective asset account books corresponding to the customers.

4. The asset allocation method according to claim 1, characterized in that: Also includes: Monitoring the asset information corresponding to each asset account book corresponding to the client, the asset information corresponding to each asset account book including each asset type corresponding to the asset account book, the asset amount corresponding to each asset type, and the rate of return corresponding to each asset type; Determine the estimated income corresponding to each asset account book based on the asset information corresponding to each asset account book; For each asset book corresponding to the client, determine the expected return corresponding to the asset book, and determine the asset allocation deviation corresponding to the asset book based on the expected return corresponding to the asset book and the estimated return corresponding to the asset book; Determine whether the asset allocation deviation corresponding to each of the asset books is greater than a preset deviation threshold, and use the asset book whose corresponding asset allocation deviation is greater than the deviation threshold as the first asset book; Prompt the customer that the asset configuration of the first asset account book is abnormal, and prompt the customer to confirm whether to reconfigure the assets of the first asset account book; In response to the customer confirming an operation of reconfiguring the assets of the first asset account book, applying the asset configuration decision model to perform an asset reconfiguration evaluation on the first asset account book to obtain an asset configuration plan corresponding to the first asset account book; Based on the asset allocation plan corresponding to the first asset account book, the account book asset list corresponding to the first asset account book is updated.

5. The asset allocation method according to claim 1, characterized in that: Also includes: When a first financial transaction corresponding to the second asset account book is monitored, determining a first transaction type, a first transaction asset type, and a first transaction amount corresponding to the first financial transaction; Based on the first transaction type, the first transaction asset type, and the first transaction amount, a list of account book assets corresponding to the second asset account book is updated.

6. The asset allocation method according to claim 1, characterized in that: Also includes: When a second financial transaction corresponding to the customer's account is monitored, determining a second transaction type, a second transaction asset type, and a second transaction amount corresponding to the second financial transaction; Determining, in each asset account book corresponding to the customer, each third asset account book corresponding to the second transaction asset type; Determining a change amount corresponding to each of the third asset ledgers based on the second transaction amount and a preset change strategy; For each of the third asset ledgers, based on the second transaction type, the second transaction asset type and the change amount corresponding to the third asset ledger, the ledger asset list corresponding to the third asset ledger is updated.

7. The asset allocation method according to claim 1, characterized in that: Also includes: In response to the client's operation of adjusting the asset allocation between the ledgers, determining a fourth asset ledger and a fifth asset ledger; The fourth asset account book is the asset account book from which assets need to be transferred out at present, and the fifth asset account book is the asset account book from which assets need to be transferred in at present; Determine the type and amount of assets to be divided; Based on the type of assets to be divided and the amount of assets to be divided, a data update operation of asset delimitation is performed on the account book asset list corresponding to the fourth asset account book, and a data update operation of asset delimitation is performed on the account book asset list corresponding to the fifth asset account book.

8. An asset allocation device, characterized in that: include: A ledger creation unit, configured to create each asset ledger corresponding to the customer in response to the customer's operation of creating a new ledger, determine a list of ledger assets corresponding to each asset ledger, and display the list of ledger assets corresponding to each asset ledger to the customer; Each of the asset ledgers corresponds to each of the preset asset uses; A configuration request unit, configured to, when receiving a book asset configuration request corresponding to the client, determine, in each of the asset book, a target asset book corresponding to the book asset configuration request; A first determining unit is used to determine the account book planning information corresponding to the target asset account book, wherein the account book planning information includes the asset usage, the total amount of account book assets and the expected income of the account book corresponding to the target asset account book; A second determining unit, used to determine user information corresponding to the customer; A configuration evaluation unit, configured to input the account book planning information and the user information into a preset asset configuration decision model, and the asset configuration decision model performs asset configuration evaluation processing to obtain an asset configuration plan output by the asset configuration decision model; A third determining unit, configured to determine a recommendation result of an investment product corresponding to the target asset account book based on the asset allocation plan; A product recommendation unit, configured to feed back the investment product recommendation result to the customer and prompt the customer to confirm whether to perform asset allocation based on the investment product recommendation result; An asset transaction unit is used to respond to the customer's confirmation of an asset allocation operation based on the investment product recommendation result, execute the investment product transaction corresponding to the investment product recommendation result, and update the account book asset list corresponding to the target asset account book according to the transaction result.

9. A storage medium, characterized in that: The storage medium includes stored instructions, wherein when the instructions are executed, the device where the storage medium is located is controlled to execute the asset configuration method according to any one of claims 1 to 7.

10. An electronic device, characterized in that: It comprises a memory and one or more instructions, wherein the one or more instructions are stored in the memory and are configured to be executed by one or more processors to perform the asset allocation method as described in any one of claims 1 to 7.

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