Wealth optimization method based on asset allocation model

Abstract

The invention provides a wealth optimization method based on an asset allocation model, and relates to the technical field of statistical sorting, and the method comprises the following steps: carrying out the product division of a wealth product of a customer through a product recommendation model; collecting the popularity parameter of each fortune product, calculating the popularity of each fortune product according to a popularity calculation formula, and sorting the popularity of the fortune products; the optimal asset combination proportion of the customer is calculated through the standard Puer family asset model, and the difference between the actual asset configuration proportion of the customer and the optimal asset combination proportion is determined according to the optimal asset combination proportion of the customer; and calculating a recommendation score of each wealth product of the customer, and dynamically adjusting a recommendation customer investment portfolio scheme. According to the method and the system, the customers are layered according to the life cycle and the bearable risk level, so that more refined customer management is realized, and the strategy can ensure that each investor can obtain customized asset allocation suggestions according to personal conditions and requirements.

Description

Technical Field

[0001] The present invention relates to the technical field of statistical sorting, and more particularly, to a wealth optimization method based on an asset allocation model. Background Art

[0002] With the improvement of investors' awareness of financial management, the market demand has been further expanded, promoting the continuous growth of the financial management market. Bank financial management has also been quite popular among investors in recent years. However, investors often lack systematic financial management knowledge. In the complex and changeable financial environment, the traditional asset allocation method relying on personal experience has been difficult to meet the needs of investors. Therefore, investors may face multiple risks and challenges in the process of pursuing financial growth and preservation. It is very necessary to reduce risks on the basis of the original investment income and help investors improve the risk resistance ability of their investments.

[0003] The pain points solved by the asset allocation model are to divide assets into different baskets, and through reasonable allocation of assets with different risk levels and return characteristics, form a structured investment portfolio to reduce risks while increasing returns. Although there are already various asset allocation models and tools on the market, they still have deficiencies in comprehensiveness, accuracy, and personalization. For example, some models may only focus on the historical performance of assets and ignore dynamic factors such as market changes and economic cycles; other models may be too complex to be understood and applied by ordinary investors.

[0004] In view of the problems in the related art, no effective solution has been proposed yet. Summary of the Invention

[0005] In view of this, the present invention provides a wealth optimization method based on an asset allocation model to solve the above-mentioned problems.

[0006] To solve the above problems, the specific technical solutions adopted by the present invention are as follows:

[0007] A wealth optimization method based on an asset allocation model, the method comprising the following steps:

[0008] S1. Obtain the wealth products of the customer, and according to the pre-configured product set, use the product recommendation model to divide the customer's wealth products to obtain a division result;

[0009] S2. According to the division result, collect the popularity parameters of each wealth product, and calculate the popularity of each wealth product according to the popularity calculation formula, and sort the popularity of the wealth products to obtain a sorting result;

[0010] S3. Calculate the optimal asset portfolio ratio of the client through the Standard & Poor's Family Asset Model, and determine the gap between the client's actual asset allocation ratio and the optimal asset portfolio ratio based on the client's optimal asset portfolio ratio to obtain the gap value;

[0011] S4. Calculate the recommendation score of each wealth product of the customer based on the sorting results and the gap value, and dynamically adjust the recommended customer investment portfolio plan based on the recommendation score of each wealth product.

[0012] Preferably, the step of obtaining the wealth products of the customer and dividing the wealth products of the customer by using a product recommendation model according to a pre-configured product set to obtain the division results comprises the following steps:

[0013] S11. Based on the banking system, collect information on all wealth products currently held by customers in the bank;

[0014] S12. Divide the customer's wealth products according to a pre-set classification standard to obtain a product set;

[0015] S13. Use the product recommendation model to classify the customer's wealth products, and according to the classification results, group each wealth product into the product set.

[0016] Preferably, the expression of the product recommendation model is:

[0017] PC={P T,R,Q \0<T≤1,R≤2,T×Q≤1}

[0018] PS = {P T,R,Q \T>0,R≤1,Q≥50}

[0019] PR = {P T,R,Q \R=3orR≤3,T>0,Q>1}

[0020] PF={P T,R,Q \R≥4}

[0021] In the formula, PC represents the current management product set, PS represents the safe account product set, PR represents the stable income product set, PF represents the income aggressive product set, P represents the product set, T represents the investment period of the product, R represents the product risk level, and the value range is an integer between 1 and 5, and Q represents the minimum deposit amount of the product.

[0022] Preferably, the steps of collecting the heat parameters of each wealth product according to the division results, calculating the heat of each wealth product according to the heat calculation formula, and sorting the heat of the wealth products to obtain the sorting results include the following steps:

[0023] S21. According to the classification results of wealth products, collect the current yield, the number of purchasers within one year, and the purchase amount within one year for each wealth product;

[0024] S22. According to the current yield, the number of purchasers within one year, and the purchase amount within one year of each wealth product, calculate the popularity of each wealth product using the popularity calculation formula;

[0025] S23. Sort the popularity of wealth products in descending order to obtain the popularity ranking result.

[0026] Preferably, the popularity calculation formula is:

[0027]

[0028] In the formula, H represents the popularity of the wealth product, Rate represents the current yield of the wealth product, UV represents the number of purchasers of the wealth product within one year, and AMT represents the purchase amount of the wealth product within one year.

[0029] Preferably, the steps for calculating the optimal asset allocation ratio of a customer through the Standard & Poor's family asset model and determining the gap between the customer's actual asset allocation ratio and the optimal asset allocation ratio to obtain the gap value include the following:

[0030] S31. Stratify the customers according to the customer's age and the maximum risk level that can be tolerated to obtain the level stratification;

[0031] S32. Screen benchmark customers according to the customer's asset size, and count the optimal asset allocation ratios of customers in each level stratification under the product set;

[0032] S33. Based on the Standard & Poor's family asset model, determine the standard asset allocation ratio of the customer, and calculate the optimal asset portfolio ratio of the customer using the optimal asset allocation ratio and the standard asset allocation ratio of the customer;

[0033] S34. Obtain the proportion of the amount of wealth products currently held by the customer in real time to get the customer's actual asset allocation ratio, and calculate the gap value according to the optimal asset portfolio ratio and the actual asset allocation ratio of the customer.

[0034] Preferably, the level stratification includes: high age and high risk level, high age and medium risk level, high age and low risk level, middle age and high risk level, middle age and medium risk level, middle age and low risk level, low age and high risk level, low age and medium risk level, and low age and low risk level.

[0035] Preferably, the calculation formula for calculating the optimal asset portfolio ratio of the customer using the optimal asset allocation ratio and the standard asset allocation ratio of the customer is:

[0036] SPF i =(SP0 + SP i ) / 2

[0037] In the formula, SPF i represents the optimal asset portfolio ratio of the customer, SP0 represents the standard asset allocation ratio of the customer, and SP i represents the high-quality asset allocation ratio of the customer, and i represents the hierarchical stratification.

[0038] Preferably, the calculation formula for calculating the gap value based on the optimal asset portfolio ratio of the customer and the actual asset allocation ratio of the customer is:

[0039] Rate_diff i = SPD i - SPF i

[0040] In the formula, Rate_diff i represents the gap value, SPD i represents the actual asset allocation ratio of the customer, and SPF i represents the optimal asset portfolio ratio of the customer, and i represents the hierarchical stratification.

[0041] Preferably, the calculation formula for calculating the recommended score of each wealth product of the customer based on the sorting result and the gap value is:

[0042]

[0043] In the formula, RF i represents the recommended score of the wealth product, Rank represents the sorting result, Rate_diff i represents the gap value, and Rank Rate_diffi is the power of the gap value of the sorting result.

[0044] The beneficial effects of the present invention are as follows:

[0045] 1. By stratifying customers according to the life cycle and the risk tolerance level, the present invention realizes more refined customer management. This strategy can ensure that each investor can obtain customized asset allocation suggestions according to their personal circumstances and needs.

[0046] 2. The present invention draws on the Standard & Poor's allocation method, combines it with the current investment market trends, comprehensively formulates the optimal investment portfolio ratio, classifies funds using a four-quadrant diagram, provides a clear correspondence between investment goals and risk levels, selects the investment situations of high-quality benchmark customers to represent the current investment market trends, combines the two to customize the investment portfolio allocation strategy, dynamically and real-time calculates whether the investment portfolio is reasonable, and gives corresponding overweight / underweight suggestions. This personalized investment portfolio optimization can ensure that the investment portfolio always remains in the best state.

[0047] 3. By stratifying customers according to the life cycle and risk tolerance level, the present invention achieves more refined customer management, and can ensure that each investor can obtain customized asset allocation suggestions according to personal circumstances and needs.

[0048] 4. The present invention divides products into four product sets in a pyramid shape, which not only intuitively shows the risk-return characteristics of products, but also facilitates investors to select suitable products according to their preferences and investment goals.

[0049] 5. The present invention sets up a popularity ranking list under each product classification. The popularity index comprehensively considers the product's rate of return and purchase situation, and can reflect the market performance and investors' preferences of various products in real time, which provides more specific basis for product selection for investors.

[0050] 6. The present invention forms a complete set of wealth optimization methods customized for each investor. From customer group differentiated operation, product classification, product popularity ranking list to investment portfolio optimization suggestions, each link reflects the attention and satisfaction of investors' personalized needs. This overall customized wealth optimization method can ensure that investors can obtain personalized investment suggestions and investment returns while enjoying professional investment advisor services. BRIEF DESCRIPTION OF THE DRAWINGS

[0051] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for use in the embodiments. Obviously, the following described drawings are only some embodiments of the present invention. For those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on these drawings. In the drawings:

[0052] Figure 1 is one of the flowcharts of a wealth optimization method based on an asset allocation model according to an embodiment of the present invention;

[0053] Figure 2 is a schematic diagram of product set classification in a wealth optimization method based on an asset allocation model according to an embodiment of the present invention;

[0054] Figure 3This is the second flow chart of a wealth optimization method based on an asset allocation model according to an embodiment of the present invention;

[0055] Figure 4 This is the third flowchart of a wealth optimization method based on an asset allocation model according to an embodiment of the present invention. DETAILED DESCRIPTION

[0056] In order to enable those skilled in the art to better understand the technical solutions in this application, the technical solutions in the embodiments of this application will be clearly and completely described below in conjunction with the drawings in the embodiments of this application. Obviously, the described embodiments are only part of the embodiments of this application, not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this application.

[0057] According to an embodiment of the present invention, a wealth optimization method based on an asset allocation model is provided.

[0058] The present invention is further described with reference to the accompanying drawings and specific embodiments. Figure 1 As shown, according to the wealth optimization method based on the asset allocation model of an embodiment of the present invention, the method includes the following steps:

[0059] S1. Obtain the customer's wealth products, and divide the customer's wealth products into products based on the pre-configured product set using the product recommendation model to obtain the division results;

[0060] As a preferred implementation, the step of obtaining the wealth products of the customer and dividing the wealth products of the customer by the product recommendation model according to the pre-configured product set to obtain the division result includes the following steps:

[0061] S11. Based on the banking system, collect information on all wealth products currently held by customers in the bank;

[0062] S12. Divide the customer's wealth products according to a pre-set classification standard to obtain a product set;

[0063] S13. Use the product recommendation model to classify the customer's wealth products, and according to the classification results, group each wealth product into product sets. Each product belongs to only one product set; try to follow the method of no duplication and no omission, and select suitable products for recommendation from all products for the four product sets.

[0064] As a preferred implementation, the product recommendation model is expressed as:

[0065] PC={P T,R,Q \0<T≤1,R≤2,T×Q≤1}

[0066] PS = {P T,R,Q \T > 0, R ≤ 1, Q ≥ 50}

[0067] PR = {P T,R,Q \R = 3 or R ≤ 3, T > 0, Q > 1}

[0068] PF = {P T,R,Q \R ≥ 4}

[0069] Wherein, PC represents the current management product set, PS represents the safe account product set, PR represents the stable income product set, PF represents the aggressive income product set, P represents the product set, T represents the investment term of the product, R represents the product risk level, taking an integer value between 1 - 5, and Q represents the minimum deposit amount of the product.

[0070] It should be noted that to obtain the relevant detailed data at the customer level and product level, in terms of product classification: wealth products are divided into a pyramid shape according to the product term, risk level, and product type, where the product types include: public funds, private funds, asset management trusts, wealth management products, demand deposits, ordinary fixed deposits, foreign currency fixed deposits, structured deposits, large - value certificates of deposit, life insurance, health insurance, annuity insurance, accident insurance, and national debts.

[0071] Such as Figure 2 shown, the change from the top to the bottom of the tower is from high - risk, high - return, low - liquidity to low - risk, low - return, high - liquidity.

[0072] According to the classification criteria, the wealth products of customers can be classified to obtain the product set. The classification criteria for wealth products are:

[0073] a. Current management: demand deposits (subsequently only participate in calculating the optimal portfolio ratio of investments and do not participate in product recommendations), money market funds with daily withdrawals or same - day redemptions and a risk level of medium - low risk or below, cash management wealth management products, etc.;

[0074] b. Safe account: ordinary fixed deposits, foreign currency fixed deposits, structured deposits, large - value certificates of deposit, life insurance, health insurance, annuity insurance, accident insurance, national debts, etc.;

[0075] c. Medium income: wealth management or fund products with a risk level of medium risk, or with a risk level of medium risk or below and a product term greater than 1;

[0076] d. Aggressive income: wealth management, funds (including public and private), and asset management trust products with a risk level of medium - high risk and above.

[0077] Note: The difficulty of the step is that the product terms of many wealth management or fund products are inconsistent with the actual appearance, and regular matching calculation needs to be used from the product name.

[0078] According to the above classification criteria, in terms of product dimension, four product sets can be established, which are classified into four product sets: demand deposit management product set, safe account product set, stable income product set, and income aggressive product set respectively.

[0079] S2. According to the classification results, collect the popularity parameters of each wealth product, calculate the popularity of each wealth product according to the popularity calculation formula, sort the popularity of the wealth products, and obtain the sorting result.

[0080] As a preferred implementation manner, the step of collecting the popularity parameters of each wealth product according to the classification results, calculating the popularity of each wealth product according to the popularity calculation formula, sorting the popularity of the wealth products, and obtaining the sorting result includes the following steps:

[0081] S21. According to the classification results of the wealth products, collect the current rate of return, the number of purchasers in the past year, and the purchase amount in the past year of each wealth product.

[0082] S22. According to the current rate of return, the number of purchasers in the past year, and the purchase amount in the past year of each wealth product, calculate the popularity of each wealth product by using the popularity calculation formula.

[0083] As a preferred implementation manner, the popularity calculation formula is:

[0084]

[0085] In the formula, H represents the popularity of the wealth product, Rate represents the current rate of return of the wealth product, UV represents the number of purchasers of the wealth product in the past year, and AMT represents the purchase amount of the wealth product in the past year. This definition balances the influence of the three factors of rate of return, number of purchasers, and purchase amount on the product popularity with a certain weight.

[0086] S23. Sort the popularity of the wealth products in descending order to obtain the popularity sorting result. After building a ranking list according to the product popularity H, define a variable Rank to represent the ranking of each product. The purpose is to perform priority recommendation later.

[0087] S3. Calculate the optimal asset portfolio ratio of the customer through the Standard & Poor's family asset model, and determine the gap between the customer's actual asset allocation ratio and the optimal asset portfolio ratio according to the optimal asset portfolio ratio of the customer to obtain the gap value.

[0088] As a preferred implementation manner, the step of calculating the optimal asset portfolio ratio of the customer through the Standard & Poor's family asset model, determining the gap between the customer's actual asset allocation ratio and the optimal asset portfolio ratio according to the optimal asset portfolio ratio of the customer, and obtaining the gap value includes the following steps:

[0089] S31. Stratify customers according to their age and maximum tolerable risk level to obtain hierarchical stratification.

[0090] S32. Screen benchmark customers based on the customer's asset size and count the proportion of high-quality asset allocation of customers in each hierarchical stratification under the product set.

[0091] S33. Determine the standard asset allocation ratio of the customer based on the Standard & Poor's family asset model, and calculate the optimal asset portfolio ratio of the customer using the customer's high-quality asset allocation ratio and the customer's standard asset allocation ratio.

[0092] As a preferred implementation method, the calculation formula for calculating the optimal asset portfolio ratio of the customer using the customer's high-quality asset allocation ratio and the customer's standard asset allocation ratio is:

[0093] SPF i =(SP0 + SP i ) / 2

[0094] In the formula, SPF i represents the optimal asset portfolio ratio of the customer, SP0 represents the standard asset allocation ratio of the customer, SP i represents the high-quality asset allocation ratio of the customer, and i represents the hierarchical stratification.

[0095] S34. Real-time obtain the proportion of the amount of wealth products currently held by the customer to obtain the customer's actual asset allocation ratio, and calculate the gap value based on the customer's optimal asset portfolio ratio and the customer's actual asset allocation ratio.

[0096] As a preferred implementation method, the calculation formula for calculating the gap value based on the customer's optimal asset portfolio ratio and the customer's actual asset allocation ratio is:

[0097] Rate_diff i =SPD i -SPF i

[0098] In the formula, Rate_diff i represents the gap value, SPD i represents the customer's actual asset allocation ratio, SPF i represents the optimal asset portfolio ratio of the customer, and i represents the hierarchical stratification.

[0099] It should be noted that due to the different acceptance degrees of products by the elderly customer group and the middle and low-aged customer groups, and different customer groups with different maximum tolerable risk levels tend to different types of products. Therefore, as shown in the following table, customers are stratified into 9 layers according to two dimensions: age and maximum tolerable risk level, as shown in Table 1. The customer risk level stratification includes: high-risk level for the elderly, medium-risk level for the elderly, low-risk level for the elderly, high-risk level for middle-aged, medium-risk level for middle-aged, low-risk level for middle-aged, high-risk level for low-aged, medium-risk level for low-aged, and low-risk level for low-aged. For customers in different strata, different optimal product recommendation schemes are given.

[0100] Table 1: Customer Risk Level Stratification Table

[0101] Serial number Stratification Age Maximum risk level that can be tolerated 1 High-risk level for the elderly 55 years old and above Five grades 2 Medium-risk level for the elderly 55 years old and above Grades 3 and 4 3 Low-risk level for the elderly 55 years old and above Grades 1 and 2 4 High-risk level for middle-aged people 35 - 54 years old Five grades 5 Medium-risk level for middle-aged people 35 - 54 years old Grades 3 and 4 6 Low-risk level for middle-aged people 35 - 54 years old Grades 1 and 2 7 High-risk level for young people 18 - 34 years old Five grades 8 Medium-risk level for young people 18 - 34 years old Grades 3 and 4 9 Low-risk level for young people 18 - 34 years old Grades 1 and 2

[0102] Specifically, through the Standard & Poor's family assets, assets can be divided into four quadrants: cash, leverage, stable, and income. The recommended optimal standard asset allocation ratio is SP0 = 10%: 20%: 40%: 30%.

[0103] This invention draws on the Standard & Poor's family asset model and improves this ratio. Considering the Standard & Poor's family asset model and the funds held in the current four product sets of customers in two dimensions, the optimal portfolio ratio recommended for customers is improved. The improvement process is as follows:

[0104] Screen benchmark customers. Screen customers with an asset size greater than 100,000 as financial management benchmark customers;

[0105] Statistically calculate the amount of investment products held by each customer on T + 1 day. For the 9 customer strata, the customer groups in each stratum are classified and summed according to the products in the four product sets of PC, PS, PR, and PF to obtain the optimal asset allocation ratio of high-quality customers in the four product sets for the 9 stratified customers;

[0106] Combining the standard asset allocation ratio and the optimal asset allocation ratio of high-quality customers, a new optimal asset portfolio ratio is obtained; due to the frequent fluctuations in the market environment, this optimal portfolio ratio needs to be updated once a month.

[0107] In addition, by dynamically calculating the investment amount and proportion of the four types of products currently held by investors in real time every day, the actual asset allocation ratio of customers is determined. Finally, the gap value is calculated based on the optimal asset portfolio ratio of customers and the actual asset allocation ratio of customers. If the gap value is greater than the preset value, it means overholding and corresponding products need to be reduced; if the gap value is less than the preset value, it means that corresponding products need to be supplemented urgently. The value range of this gap value is [-2, 2].

[0108] S4. Calculate the recommended score for each wealth product of the customer based on the sorting result and the gap value, and dynamically adjust the recommended customer investment portfolio plan according to the recommended score of each wealth product.

[0109] As an optimal implementation method, the calculation formula for calculating the recommended score of each wealth product of the customer based on the sorting result and the gap value is:

[0110]

[0111] In the formula, RF i represents the recommended score of the wealth product, Rank represents the sorting result, Rate_diff i represents the gap value, the power of the gap value of the sorting result.

[0112] It should be noted that according to the gap value and the sorting of each product, the product recommended score is determined, and the variable RF is calculated for the Cartesian product of each investment customer and each product i , and the i value of each customer is unique.

[0113] The smaller the RF value, the higher the priority for recommending to this investor. Product recommendations are made based on RF, thus forming a personalized asset allocation wealth optimization model for each individual.

[0114] It should be understood that the asset allocation model aims to help each investor allocate funds to different asset classes within the acceptable risk range to obtain the maximum investment return.

[0115] Such as Figure 3 - 4As shown in the figure, in terms of the customer group dimension, by adopting a differentiated business strategy, customers are stratified according to two dimensions: the life cycle and the maximum risk level they can bear. In terms of the product dimension, referring to the Standard & Poor's allocation method, through a four-quadrant chart, funds are divided into four parts: "money to spend", "money for life protection", "money for making money", and "money for capital preservation", corresponding to different investment goals and risk levels respectively. Make adaptive modifications to bank wealth products, that is, divide wealth products into a pyramid shape, corresponding to current account management products, safe fixed-income products, medium-yield products, and income-seeking products respectively. The change from the top to the bottom of the pyramid is from high risk, high return, and low liquidity to low risk, low return, and high liquidity. Under each layer classification of the pyramid, a popularity ranking is made for each individual product, that is, 4 product popularity lists will be generated. In the dimension of the interaction between customer groups and products, customize the most suitable product investment portfolio ratio strategy for each customer group, dynamically and real-time calculate whether the current wealth investment portfolio of each investor is reasonable, and if it is unreasonable, which type of products need to be overweighted / underweighted. In order to better serve investors, the asset allocation model recommends to the finest granularity for investors, and recommends the most suitable products according to the four product popularity lists. Thus, a complete set of wealth optimization methods customized for each investor, with personalized services for thousands of people, is formed.

[0116] In summary, by means of the above technical solutions of the present invention, the present invention stratifies customers according to the life cycle and the risk tolerance level, achieving more refined customer management. This strategy can ensure that each investor can obtain customized asset allocation recommendations according to their personal circumstances and needs. The present invention draws on the Standard & Poor's allocation method and combines it with the current investment market trends to comprehensively formulate the optimal investment portfolio ratio. It classifies funds using a four-quadrant chart, providing a clear correspondence between investment goals and risk levels. It selects the investment situations of high-quality benchmark customers to represent the current investment market trends, and combines the two to customize the investment portfolio ratio strategy. It dynamically and real-time calculates whether the investment portfolio is reasonable and gives corresponding over-allocation / under-allocation suggestions. This personalized investment portfolio optimization can ensure that the investment portfolio always remains in the best state. The present invention stratifies customers according to the life cycle and the risk tolerance level, achieving more refined customer management, and can ensure that each investor can obtain customized asset allocation recommendations according to personal circumstances and needs. The present invention divides products into four product sets in a pyramid shape, which not only intuitively shows the risk-return characteristics of the products, but also facilitates investors to select suitable products according to their preferences and investment goals. The present invention sets up a popularity ranking under each product classification. The popularity index comprehensively considers the product's rate of return and purchase situation, and can reflect the market performance and investors' preferences of various products in real time. This provides investors with more specific basis for product selection. The present invention forms a complete set of wealth optimization methods customized for each investor. From customer group differentiated operation, product classification, product popularity ranking to investment portfolio optimization suggestions, each link reflects the attention and satisfaction of investors' personalized needs. This overall customized wealth optimization method can ensure that investors can obtain personalized investment advice and investment returns while enjoying professional investment advisor services.

[0117] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system or a computer program product. Therefore, the present invention can take the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware aspects. Moreover, the present invention can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, optical storage, etc.) containing computer-usable program code.

[0118] The specific embodiments described above have further elaborated on the purpose, technical solutions and beneficial effects of the present invention. It should be understood that the above are only specific embodiments of the present invention and are not used to limit the protection scope of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A wealth optimization method based on an asset allocation model, characterized in that, The method comprises the following steps: S1. Obtain the customer's wealth products, and divide the customer's wealth products into products based on the pre-configured product set using the product recommendation model to obtain the division results; S2. According to the division results, collect the heat parameters of each wealth product, calculate the heat of each wealth product according to the heat calculation formula, sort the heat of the wealth products, and obtain the sorting results; S3. Calculate the optimal asset portfolio ratio of the client through the Standard & Poor's Family Asset Model, and determine the gap between the client's actual asset allocation ratio and the optimal asset portfolio ratio based on the client's optimal asset portfolio ratio to obtain the gap value; S4. Calculate the recommendation score of each wealth product of the customer based on the sorting results and the gap value, and dynamically adjust the recommended customer investment portfolio plan based on the recommendation score of each wealth product.

2. The wealth optimization method based on an asset allocation model according to claim 1, characterized in that The method of obtaining the wealth products of the customer and dividing the wealth products of the customer by the product recommendation model according to the pre-configured product set to obtain the division result includes the following steps: S11. Based on the banking system, collect information on all wealth products currently held by customers in the bank; S12. Divide the customer's wealth products according to a pre-set classification standard to obtain a product set; S13. Use the product recommendation model to classify the customer's wealth products, and according to the classification results, group each wealth product into the product set.

3. A wealth optimization method based on an asset allocation model according to claim 2, characterized in that, The expression of the product recommendation model is: PC = {P T,R,Q \0 < T ≤ 1, R ≤ 2, T × Q ≤ 1} PS = {P T,R,Q \T > 0, R ≤ 1, Q ≥ 50} PR = {P T,R,Q \R = 3 or R ≤ 3, T > 0, Q > 1} PF = {P T,R,Q \R≥4} In the formula, PC represents the current management product set, PS represents the safe account product set, PR represents the stable income product set, PF represents the yield aggressive product set, P represents the product set, T represents the investment period of the product, R represents the product risk level, and Q represents the minimum deposit amount of the product.

4. A wealth optimization method based on an asset allocation model according to claim 1, characterized in that, According to the division result, the heat parameters of each wealth product are collected, and the heat of each wealth product is calculated according to the heat calculation formula, and the heat of the wealth products is sorted to obtain the sorting result, which includes the following steps: S21. Based on the classification results of wealth products, collect the current rate of return, number of purchasers within one year and purchase amount within one year for each wealth product; S22. Calculate the popularity of each wealth product using a popularity calculation formula based on the current rate of return of each wealth product, the number of purchasers within one year, and the purchase amount within one year; S23. Sort the popularity of the wealth products in descending order to obtain a popularity ranking result.

5. The wealth optimization method based on an asset allocation model according to claim 4, wherein The heat calculation formula is: In the formula, H represents the popularity of wealth products, Rate represents the current rate of return of wealth products, UV represents the number of people who purchase wealth products within one year, and AMT represents the purchase amount of wealth products within one year.

6. A wealth optimization method based on an asset allocation model according to claim 1, characterized in that The method of calculating the optimal asset portfolio ratio of the client by the Standard & Poor's family asset model, and determining the gap between the client's actual asset allocation ratio and the optimal asset portfolio ratio according to the client's optimal asset portfolio ratio, and obtaining the gap value comprises the following steps: S31. The customers are stratified according to their age and the maximum risk level they can bear to obtain a stratified level; S32. Select benchmark customers based on their asset size and calculate the proportion of high-quality assets allocated by customers of each level under the product set; S33. Determine the standard asset allocation ratio of the customer based on the Standard & Poor's family asset model, and calculate the optimal asset portfolio ratio of the customer by using the high-quality asset allocation ratio and the standard asset allocation ratio of the customer; S34. Obtain the proportion of the amount of wealth products currently held by the customer in real time to get the actual asset allocation ratio of the customer, and calculate the gap value according to the optimal asset portfolio ratio and the actual asset allocation ratio of the customer.

7. The wealth optimization method based on an asset allocation model according to claim 6, characterized in that The level stratification includes: high-age high-risk level, high-age medium-risk level, high-age low-risk level, middle-age high-risk level, middle-age medium-risk level, middle-age low-risk level, low-age high-risk level, low-age medium-risk level, and low-age low-risk level.

8. The wealth optimization method based on an asset allocation model according to claim 6, characterized in that The calculation formula for calculating the optimal asset portfolio ratio of the customer by using the high-quality asset allocation ratio and the standard asset allocation ratio of the customer is: SPF i =(SP0 + SP i ) / 2 where, SPF i represents the optimal asset portfolio ratio of the client, SP0 represents the standard asset allocation ratio of the client, and SP i represents the high-quality asset allocation ratio of the client, and i represents the hierarchical stratification.

9. A wealth optimization method based on an asset allocation model according to claim 6, characterized in that The calculation formula for calculating the gap value according to the optimal asset portfolio ratio and the actual asset allocation ratio of the customer is: Rate_diff i = SPD i - SPF i In the formula, Rate_diff i represents the difference value, SPD i represents the actual asset allocation ratio of the customer, SPF i represents the optimal asset portfolio ratio of the customer, and i represents the hierarchical stratification.

10. A wealth optimization method based on an asset allocation model according to claim 1, characterized in that, The calculation formula for calculating the recommended score of each wealth product of the customer according to the sorting result and the gap value is: Wherein, RF i represents the recommendation score of the wealth management product, Rank represents the sorting result, and Rate_diff i represents the difference value, represents the power of the difference value of the sorting result.

Images