CN107798607A - Asset Allocation strategy acquisition methods, device, computer equipment and storage medium - Google Patents
Asset Allocation strategy acquisition methods, device, computer equipment and storage medium Download PDFInfo
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Abstract
The present invention relates to a kind of Asset Allocation strategy acquisition methods, device, computer equipment and storage medium, the above method to include：Customer investment type corresponding with user profile is obtained according to the user profile of user, user profile includes user basic information and/or user's Asset operation behavioural information；The target finance product matched with user is obtained with the matching relationship of assets according to customer investment type and investment types；The first financial events are obtained, and the first financial events are input in default finance product trend model, obtain the trend tendency of target finance product；It is inclined to according to the trend of target finance product and obtains Asset Allocation strategy, and Asset Allocation strategy is sent to client.The Asset Allocation strategy accuracy that the above method obtains is high, and has saved the time of user.
Description
Technical field
The present invention relates to field of computer technology, is set more particularly to Asset Allocation strategy acquisition methods, device, computer
Standby and storage medium.
Background technology
In investment field of managing money matters, it is use to generally require according to the actual conditions such as condition of assets, investment preference of user
Family selects corresponding Investment ＆ Financing scheme.At present, the selection of Investment ＆ Financing scheme rely on investment field expert can be with according to user
The risk level undertaken and the financing matched rule pre-set, finance product corresponding to matching, are then output to client
Checked for user.
However, in the research and practice to prior art, it was found by the inventors of the present invention that following ask be present in prior art
Topic：User is affected by many factors to the view of investment risk, and the customer investment risk partiality that manual analysis is got simultaneously is forbidden
Really, thus output Investment ＆ Financing scheme accuracy it is not high, do not meet user's request, it is necessary to repeatedly be matched, waste calculate
Machine resource and cost user's substantial amounts of time.
The content of the invention
Based on this, it is necessary to it is not high for the Investment ＆ Financing scheme accuracy of output, user's request is not met, it is necessary to carry out
Repeatedly matching, the problem of wasting computer resource and need to spend user's substantial amounts of time, there is provided a kind of Asset Allocation strategy obtains
Take method and system.
A kind of Asset Allocation strategy acquisition methods, methods described include：Obtained and the use according to the user profile of user
Customer investment type corresponding to the information of family, the user profile includes user basic information and/or the behavior of user's Asset operation is believed
Breath；The target matched with the user is obtained according to the customer investment type and investment types with the matching relationship of assets to manage
Property product；The first financial events are obtained, and first financial events are input in default finance product trend model, are obtained
Trend to the target finance product is inclined to；It is inclined to according to the trend of the target finance product and obtains Asset Allocation strategy,
And the Asset Allocation strategy is sent to client.
In one embodiment, first financial events are described according to the first financial events and default to be multiple
The step of trend that finance product trend model obtains the target finance product is inclined to includes：According to each first finance
Finance product trend model corresponding to event and first financial events obtains the trend tendency of the target finance product；
The step that acquisition Asset Allocation strategy is inclined to according to the trend of the target finance product includes：Managed money matters according to the target
Trend weights corresponding to the trend tendency of product and first financial events determine the general trend of the target finance product
Tendency；The Asset Allocation strategy is obtained according to the general trend of target finance product tendency, and by the Asset Allocation plan
Slightly it is sent to client.
In one embodiment, first financial events include market event, policy event, public sentiment event and basic
One of surface analysis event or any combination.
In one embodiment, methods described also includes：According to the second financial events and default finance product grade
Model obtains the grade of finance product；It is described to be obtained according to the customer investment type and investment types and the matching relationship of assets
The step of taking the target finance product matched with the user includes：According to the customer investment type, the investment types with
The grade of the matching relationship of assets and the finance product obtains the target finance product matched with user.
In one embodiment, the customer investment type includes investment risk type, described to be obtained according to user profile
The step of customer investment type corresponding with the user profile, includes：According to the user profile and default risk rating
Investment risk type described in Rule.
A kind of Asset Allocation strategy acquisition device, described device include：Investment types determining module, for according to user's
User profile obtains corresponding with user profile customer investment type, the user profile include user basic information with/
Or user's Asset operation behavioural information；Finance product matching module, for according to the customer investment type and investment types
The target finance product matched with the user is obtained with the matching relationship of assets；Trend is inclined to determining module, for obtaining the
One financial events, and first financial events are input to default finance product trend model, obtain the target financing
The trend tendency of product；Tactful acquisition module, Asset Allocation plan is obtained for being inclined to according to the trend of the target finance product
Slightly, and the Asset Allocation strategy is sent to client.
In one embodiment, first financial events are multiple that the trend tendency determining module is used for：According to every
Finance product trend model corresponding to individual first financial events and first financial events obtains the target financing
The trend tendency of product；The tactful acquisition module includes：General trend is inclined to determining unit, is produced for being managed money matters according to the target
Trend weights corresponding to the trend tendency of product and first financial events determine that the general trend of the target finance product is inclined
To；Tactful acquiring unit, for obtaining the Asset Allocation strategy according to the general trend of target finance product tendency, and will
The Asset Allocation strategy is sent to client.
In one embodiment, described device also includes：Level determination module, for according to the second financial events and in advance
If finance product Grade Model obtain finance product grade；The finance product matching module is used for：According to the user
Investment types, the investment types obtain the institute matched with user with the matching relationship of assets and the grade of the finance product
State target finance product.
A kind of computer equipment, including memory and processor, computer-readable instruction are stored with the memory, institute
When stating computer-readable instruction by the computing device so that the above-mentioned Asset Allocation strategy acquisition methods of computing device
The step of.
A kind of storage medium for being stored with computer-readable instruction, the computer-readable instruction are handled by one or more
When device performs so that one or more processors perform the step of above-mentioned Asset Allocation strategy acquisition methods.
Above-mentioned Asset Allocation strategy acquisition methods, by obtaining customer investment type according to the user profile of user, according to
Customer investment type and investment types obtain the target finance product matched with user with the matching relationship of assets, then pass through
The first financial events are obtained, the first financial events are input to the trend of default trend-analyzing model acquisition target finance product
Tendency, and then be inclined to according to the trend of finance product and obtain Asset Allocation strategy.So, user profile and finance are considered
Event respectively obtains the finance product of suitable user and the trend of finance product, then obtains Asset Allocation strategy, therefore obtains
Asset Allocation strategy accuracy it is high, and saved the time of user.
Brief description of the drawings
Fig. 1 is the implementation environment figure of Asset Allocation strategy acquisition methods in one embodiment；
Fig. 2 is the flow chart of Asset Allocation strategy acquisition methods in one embodiment；
Fig. 3 is to be inclined to the flow chart for obtaining Asset Allocation strategy in one embodiment according to the trend of target finance product；
Fig. 4 is the flow chart of Asset Allocation strategy acquisition methods in one embodiment；
Fig. 5 is the flow chart of Asset Allocation strategy acquisition methods in one embodiment；
Fig. 6 is the structured flowchart of Asset Allocation strategy acquisition device in one embodiment；
Fig. 7 is the structured flowchart of tactful acquisition module in one embodiment；
Fig. 8 is the structured flowchart of Asset Allocation strategy acquisition device in one embodiment；
Fig. 9 is the internal structure block diagram of one embodiment Computer equipment.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
It is appreciated that term " first " used in this application, " second " etc. can be used to describe various elements herein,
But these elements should not be limited by these terms.These terms are only used for distinguishing first element and another element.Citing comes
Say, in the case where not departing from scope of the present application, the first financial events can be referred to as the second financial events, and similarly,
Second financial events can be referred to as the first financial events.
Fig. 1 is the implementation environment figure of the Asset Allocation strategy acquisition methods provided in one embodiment, as shown in figure 1,
In the implementation environment, including terminal 110 and computer equipment 120, computer equipment 120 are used to provide to obtaining Asset Allocation
The server set that the support of strategy can be independent physical server or terminal or multiple physical servers are formed
Group, the Cloud Server of the basic cloud computing services such as Cloud Server, cloud database, cloud storage and CDN can be to provide.
Terminal 110 can be smart mobile phone, tablet personal computer, notebook computer and desktop computer etc., but be not limited to
This.Terminal 110 can send Asset Allocation strategy to computer equipment and obtain request, and computer equipment 120 receives Asset Allocation plan
Request is slightly obtained, and acquisition request Asset Allocation strategy is obtained according to Asset Allocation strategy.Computer equipment 110 and terminal
110 can be attached by bluetooth, USB (Universal Serial Bus, USB) or network, the present invention
It is not limited herein.
It should be noted that above-mentioned application environment is an example, and in one embodiment, computer equipment 120
Asset Allocation strategy can not directly be obtained by terminal 110.For example, computer equipment timing acquisition Asset Allocation strategy.
As shown in Fig. 2 in one embodiment it is proposed that a kind of Asset Allocation strategy acquisition methods, the Asset Allocation plan
Slightly acquisition methods can apply in above-mentioned computer equipment 110, specifically may comprise steps of：
Step S202, customer investment type corresponding with user profile is obtained according to the user profile of user.
Specifically, user profile includes user basic information and/or user's Asset operation behavioural information, user basic information
Such as can be one or more of information such as age, sex, investment experiences and the income of user, user's Asset operation row
Refer to user for information and carry out the related new of Asset operation, such as consumer behavior information, investment behavior information and throwing can be included
Protect the one or more of behavioural information.Consumer behavior information is the behavioral data related to consumption, can include user and carry out
The consumption of which type and the amount of consumption are how many etc..Investment behavior information is the behavioral data related to investment, can be wrapped
Include that user has bought in which stock or fund, how many and these investments the time limits that are limited in year bought in are wait so long more.Insure
Behavioural information is the behavioral data relevant with insuring, can include user buy in the insuring of which type, it is insured amount for how much with
And insurance be limited in year how long etc..Customer investment type is used to belong to which classification divides in investment to user, specifically
It can be configured as needed.The corresponding relation of user profile and investment types be it is default in advance, it is a certain when needing to obtain
During the Asset Allocation strategy of user, the user profile of the user is obtained, is obtained according to the corresponding relation of user profile and investment types
Take investment types.
In one embodiment, customer investment type includes investment risk type, customer investment risk classifications be used for
Family makes a distinction in investment to the ability to take the burden of risk.Therefore after user profile is got, step S202 is specifically included：Root
According to user profile and default risk rating Rule investment risk type.
In one embodiment, risk rating rule includes risk score corresponding to user profile and risk rating total score
Corresponding investment risk type.Marking rule corresponding to each user profile can be set, after user profile is got, according to
Risk score corresponding to default marking Rule to each user profile, the then risk according to corresponding to each user profile
Scoring obtains the risk rating total score of user.Each risk rating total score can correspond to an investment risk type, can also
It is the corresponding investment risk type in each section of fraction section.Investment risk type can for example include conservative, sane type, put down
Weighing apparatus type, growing and radical type etc..In these investment risk types, corresponding risk rating total score raises successively and institute
The risk that can be born increases successively.
So that user profile is user's income as an example, it can set when user's income is less than 5000 yuan, score as 2 points,
When user's income is 5000~10000 yuan, score as 3 points, when user's income is 1000~30000 yuan, score as 3.5
Point ... etc..Again so that user profile is to buy the type of finance product as an example, it can set when the finance product bought
When fund percentage is more than 50%, risk score is 5 points, during more than 30% and light rain 50%, risk score is 3 points ... etc.
Deng.For investment risk type corresponding to consumer's risk grading total score, it can set and be when risk rating total score is less than 50 points
Conservative, 50~60 points are sane type ... etc..
In one embodiment, model training can be carried out using the mode of machine learning, to obtain risk rating rule.
For example, can obtain multiple users user profile and corresponding investment types as training sample, carry out model training, with
Get risk rating rule model.Therefore, when needing to obtain the investment risk type of user, user profile is inputted, with root
According to the investment risk type that the user is got according to risk rating rule model.
Step S204, obtain what is matched with user with the matching relationship of assets according to customer investment type and investment types
Target finance product.
Specifically, investment types and the matching relationship of assets are pre-set, and can specifically be carried out according to being actually needed
Set, to obtain the target finance product matched with user according to the matching relationship.The type of target finance product can be stock
Ticket, fund, bond and insurance etc., the present invention are without limitation.Target finance product can be multiple, target finance product
It can also be the form displaying of financing set, can include multiple financing types in a financing set.For example, for investing wind
Dangerous type is the user of sane type, can set in finance product and include stock, insurance and fund etc..In financing set
The ratio that finance product concentrates financing type, such as the percentage of stock, the percentage and fund of insurance can also be included
Percentage etc..
Step S206, the first financial events are obtained, and the first financial events are input to default finance product trend mould
Type, obtain the trend tendency of target finance product.
Specifically, financial events refer to the event information related to financial market, and finance product trend model is to pre-set
Alright.After target finance product is got, finance product trend model obtains target finance product according to the first financial events
Trend tendency.Finance product trend model can be configured according to practical experience, can also utilize the financial events of history
And trend corresponding to financial events carries out machine learning, finance product trend model is obtained.Trend tendency refers to finance product
Trend, trend tendency can include going up and declining.Certainly after can also also including concussion, first going up and decline afterwards, fall before
One or more of go up.In the trend tendency of output, the probability of trend tendency can also be included, for example, the trend of output
The probability being inclined to as rise is 80%.
In one embodiment, the first financial events have multiple, and each first financial events are corresponding with a finance product
Trend model.Such as first financial events can include market event, policy event, public sentiment event and Fundamental Analysis event
One of or any combination.Market event refers to the performance data of finance product, i.e. market, such as can work as finance product
The market index such as the price at preceding moment, earning rate, turnover rate and moving average, or the relation between market index,
Such as can be the magnitude relationship between the moving average of finance product, DIF (Difference, deviation value) and DEA
The pass of the magnitude relationship of (Difference Exponential Average, smooth rolling average), share price and moving average
System, share price pressure line, the relation for supporting these three indexs of line and share price average line etc..Accordingly, become corresponding to market event
Potential model can corresponding trend be entered as training sample by the use of the market of finance product in historical data and under the market
Row machine learning is trained to obtain.Policy event refers to the event information relevant with policy issue, such as the type of the policy of issue, relates to
And industry, the Policy feature such as the data that are related in region and policy etc..Accordingly, trend model corresponding to policy event can
The trend of finance product is used as training sample after the feature of policy and the policy are issued during being issued by the use of policy in historical data
This progress machine learning is trained to obtain.Public sentiment event is the event information of the consensus, such as can obtain microblogging, news portal
Information on website and forum, the text feature in information is input in the analysis of public opinion model, obtains becoming for finance product
Gesture is inclined to.Accordingly, trend model corresponding to public sentiment event can be by obtaining the text spy in historical data in public opinion information
Trend corresponding to sign and this article eigen carries out machine learning as training sample and trains to obtain.Fundamental Analysis event refer to
The event information of the related project of finance product, such as in stock, the annual report of listed company's issue, the profit in quarterly report, dividend,
Future thrust and purchasing plan etc., accordingly, trend model corresponding to Fundamental Analysis event are managed before can utilizing
Corresponding trend is entered as training sample after the feature of project and the project are issued during the project information issue that property condition closes
Row machine learning is trained to obtain.
In one embodiment, after getting target finance product, target finance product first can be exported to client, then
The trend tendency of the target finance product selected on the client user is analyzed.
Step S208, it is inclined to according to the trend of target finance product and obtains Asset Allocation strategy, and by Asset Allocation strategy
It is sent to client.
Asset Allocation strategy includes the configuration strategy of one or more finance products.For example whether buy in building for finance product
Discuss, buy in ratio etc..After the trend for getting target finance product is inclined to, corresponding assets are got according to trend tendency
Configuration strategy.Asset Allocation strategy can be sent to client in the form of one or more finance product collection, so that user looks into
See.For example, when the trend tendency of finance product is goes up, the suggestion for investment for buying in the finance product is obtained.Can also basis
Trend tendency obtains the accounting that finance product concentrates each finance product to be concentrated in finance product, such as when trend tendency is upper
Rise, and when rise probability is higher than predetermined threshold value, finance product can be improved and buy in ratio.Adjustment reason can also be inclined to according to trend
The sequence of property product collection.For example, before the finance product for making rise probability high comes the low finance product of rise probability.
Above-mentioned Asset Allocation strategy acquisition methods, by obtaining customer investment type according to the user profile of user, according to
Customer investment type and investment types obtain the target finance product matched with user with the matching relationship of assets, then pass through
The first financial events are obtained, the first financial events are input to the trend of default trend-analyzing model acquisition target finance product
Tendency, and then be inclined to according to the trend of finance product and obtain Asset Allocation strategy.So, user profile and finance are considered
Event respectively obtains the finance product of suitable user and the trend of finance product, then obtains Asset Allocation strategy, therefore obtains
Asset Allocation strategy accuracy it is high, and saved the time of user.
In one embodiment, assets tactics configuring method also includes：Becoming for finance product mark is carried according to user
Potential analysis is asked, and obtains finance product corresponding to finance product mark, and obtain finance product according to finance product trend model
Trend tendency.
Asked for example, sending trend analysis by terminal when user have purchased some finance products, computer is set
It is standby to receive trend analysis request, the finance product mark of user's purchase is carried in trend analysis request, is produced according to financing
Product mark gets corresponding finance product, and obtains the trend tendency of the finance product.
In one embodiment, when the first financial events analytical equipment is multiple, step S206 is i.e. according to the first finance
The step of trend that event and default finance product trend model obtain target finance product is inclined to includes：According to each
The trend that finance product trend model corresponding to one financial events and each first financial events obtains target finance product is inclined
To.Include as shown in figure 3, step S208 is the step that acquisition Asset Allocation strategy is inclined to according to the trend of target finance product：
Step S302, determined according to trend weights corresponding to the trend of target finance product tendency and the first financial events
The general trend tendency of target finance product.
Step S304, it is inclined to according to the general trend of target finance product and obtains Asset Allocation strategy.
Because the first financial events are multiple, the trend tendency obtained according to each first financial events is probably different
's.Therefore, trend weights corresponding to each first financial events can be set, when getting corresponding to each first financial events
After trend tendency, obtained according to trend weights corresponding to trend tendency and the first financial events that the first financial events obtain total
Trend is inclined to.The acquisition modes of general trend tendency can be added the weights for belonging to same trend tendency, with total weight value
High trend tendency is inclined to as general trend.Numerical value corresponding to trend tendency can also be set, is inclined to according to the trend got
Trend numerical value corresponding to acquisition, summation then is weighted according to trend numerical value and trend weights, gets general trend value, according to
General trend value is inclined to Trend judgement Rule general trend.Trend judgement rule setting general trend value and general trend tendency
Corresponding relation.
, can so that the first financial events include market event, policy event, public sentiment event and Fundamental Analysis event as an example
Using setting their weights as 0.4,0.2,0.15 and 0.25, if market event, policy event, public sentiment event and basic side
The trend tendency that event is got is to be followed successively by rising, decline, decline and rise.Because the weights of rising are 0.4+0.25 etc.
In 0.65, the weights of decline are equal to 0.35 for 0.2+0.15.The weights of rising are more than the weights declined, therefore general trend tendency can be with
To rise.Or it is 1 to set value corresponding to rising, it is -1 to decline corresponding value, and it is 0 to be worth corresponding to concussion, then general trend value is
0.4x1+0.2x (- 1)+0.15x (- 1)+0.25x1=0.3, if Trend judgement rule is more than 0.4 for general trend value, general trend
Direction is rising；When general trend value is less than or equal to 0.4 and is more than or equal to -0.4, general trend direction is concussion；If Trend judgement is advised
Then it is less than for general trend value when -0.4, general trend direction is decline.General trend direction can then be got as concussion.
In one embodiment, because policy is larger to the tendency influence of finance product, trend of the public sentiment to finance product
Influence relatively small.Therefore, trend weights corresponding to policy event can be set bigger than weights corresponding to public sentiment event.
In one embodiment, as shown in figure 4, Asset Allocation strategy acquisition methods can also include step S402：According to
Second financial events and default finance product Grade Model obtain the grade of finance product.Step S204 is thrown according to user
The step of money type and investment types obtain the target finance product matched with user with the matching relationship of assets includes：According to
The grade of customer investment type, the matching relationship of investment types and assets and finance product obtains produces with ownership goal financing
Product.
Finance product Grade Model is pre-set, and finance product Grade Model can be set according to practical experience
Put, machine learning can also be carried out using grade corresponding to the financial events and financial events of history, obtain finance product etc.
Level model.For example, machine learning training grade can be carried out using the market data of finance product and corresponding stock grade
Model.The quantity of finance product can be one or more in training sample, and training samples number specifically can be according to actual need
Obtain, such as it can also be tens of thousands of that can be hundreds of.Each training sample includes multiple history category of finance product
Property information and corresponding finance product grade.Such as historical status information can include the p/e ratio of finance product for 5%, change
Hand rate is the feature of 20% grade finance product, and corresponding finance product grade is good performance stocks.In training sample finance product etc.
Level can be taking human as mark, can also be by obtaining the data of finance product, and then is obtained according to dependent quantization method.Such as can be with
The grade of finance product is judged according to the Suo Tinuo ratios of finance product, set when Suo Tinuo ratios are more than predetermined threshold value
When, it is good performance stocks, is non-good performance stocks during less than predetermined threshold value.The size of predetermined threshold value can be set according to specific requirement.
After the grade of finance product is got, produced according to the matching relationship of customer investment type, investment types and assets and financing
The grade of product obtains the accounting of the finance product type matched with user and/or every kind of finance product type, then chooses the reason
The high product of wealth product type middle grade is as target finance product.
It is appreciated that above-mentioned the first financial events and the second financial events can be the same or different.Above-mentioned machine
The model of study can be SVMs (Support Vector Machine, SVM) sorter model, neutral net
(Artificial Neural Network, ANN) sorter model, logistic regression algorithm (logistic Regression,
LR) sorter model and hidden Markov model (Hidden Markov Model, HMM) etc. are various can carry out machine learning
Model.The kernel function of use can be configured according to actual requirement, for example, in one embodiment, can use and support
Vector machine carries out the machine learning for having supervision, and kernel function can use polynomial function.
In one embodiment, as shown in figure 5, assets tactics configuring method can also include step S502.Receive client
The transaction request sent is held, transaction request is sent to transaction system, the mark of target finance product is carried in transaction request
And trading volume, so that transaction system is traded according to trade device request to finance product.
For example, client displaying has the investment of the first finance product collection, the second finance product collection and the 3rd finance product
It is recommended that and finance product collection is corresponding receives button with each, pass through if receiving user corresponding to the first finance product
When receiving the instruction of receiving the first finance product collection of button transmission, client sends transaction request, is carried in transaction request
The mark and trading volume of first finance product collection, computer equipment according to the mark of the first finance product collection and trading volume to
Transaction system sends transaction request, to be traded, the finance product of the financing concentration of purchase first.
As shown in fig. 6, in one embodiment it is proposed that a kind of Asset Allocation strategy acquisition device, can specifically include：
Investment types determining module 602, thrown for obtaining user corresponding with user profile according to the user profile of user
Type is provided, user profile includes user basic information and/or user's Asset operation behavioural information.
Finance product matching module 604, for the matching relationship according to customer investment type and investment types and assets
Obtain the target finance product matched with user.
Trend is inclined to determining module 606, for obtaining the first financial events, and the first financial events is input to default
Finance product trend model, obtain the trend tendency of target finance product.
Tactful acquisition module 608, Asset Allocation strategy is obtained for being inclined to according to the trend of target finance product, and will money
Production configuration strategy is sent to client.
In certain embodiments, when the first financial events are multiple, trend tendency determining module 606 is used for：According to each
Finance product trend model corresponding to first financial events and each first financial events obtains the trend of target finance product
Tendency, tactful acquisition module 608 include：
General trend is inclined to determining unit 702, for according to the trend of target finance product tendency and the first financial events
Corresponding trend weights determine the general trend tendency of target finance product.
Tactful acquiring unit 704, Asset Allocation strategy is obtained for being inclined to according to the general trend of target finance product.
In certain embodiments, as shown in figure 8, Asset Allocation policy device also includes：
Level determination module 802, for obtaining reason according to the second financial events and default finance product Grade Model
The grade of property product；Finance product matching module 604 is used for：Closed according to the matching of customer investment type, investment types and assets
The grade of system and finance product obtains the target finance product matched with user.
As shown in figure 9, being the cut-away view of one embodiment Computer equipment, the computer equipment is connected by system
Connect bus couple processor, non-volatile memory medium, built-in storage and network interface.Wherein, the computer equipment is non-easy
Lose property storage medium can storage program area and computer-readable instruction, when the computer-readable instruction is performed, may be such that place
Manage device and perform a kind of Asset Allocation strategy acquisition methods.The processor of the computer equipment is used to provide calculating and control ability,
Support the operation of whole computer equipment.Computer-readable instruction can be stored in the built-in storage, the computer-readable instruction
When being executed by processor, a kind of Asset Allocation strategy acquisition methods of computing device are may be such that.The network interface of computer equipment
For carrying out network service, such as receive Asset Allocation strategy and obtain request.It will be understood by those skilled in the art that show in Fig. 9
The block diagram of the structure gone out, the only part-structure related to application scheme, do not form and application scheme is applied to
The restriction of computer equipment thereon, specific computer equipment can include than more or less parts shown in figure, or
Person combines some parts, or is arranged with different parts.
In one embodiment, the Asset Allocation strategy acquisition device that the application provides can be implemented as a kind of computer journey
The form of sequence, computer program can be run on computer equipment as shown in Figure 9, and the non-volatile memories of computer equipment are situated between
Matter can store each program module for forming the Asset Allocation strategy acquisition device, such as the investment types determining module in Fig. 6
602nd, trend tendency determining module 606, trend tendency determining module 606 and tactful acquisition module 608.In each program module
Including computer-readable instruction, the application that computer-readable instruction is used to make computer equipment perform described in this specification is each
Step in the Asset Allocation strategy acquisition methods of individual embodiment.For example, computer equipment can pass through investment as shown in Figure 6
Determination type module 602 obtains customer investment type corresponding with user profile, user profile bag according to the user profile of user
User basic information and/or user's Asset operation behavioural information are included, by finance product matching module 604 according to customer investment class
Type and investment types obtain the target finance product matched with user with the matching relationship of assets, are inclined to by trend and determine mould
Block 606 obtains the first financial events, and the first financial events are input into default finance product trend model, obtains target reason
The trend tendency of property product, is inclined to according to the trend of target finance product by tactful acquisition module 608 and obtains Asset Allocation plan
Slightly, and Asset Allocation strategy is sent to client.
In one embodiment, there is provided a kind of computer-readable recording medium, computer-readable recording medium configuration are taking
It is engaged on device, computer executable instructions is stored with computer-readable recording medium, computer executable instructions are held by processor
During row so that computing device following steps：Customer investment class corresponding with user profile is obtained according to the user profile of user
Type, user profile include user basic information and/or user's Asset operation behavioural information；According to customer investment type and investment
Type obtains the target finance product matched with user with the matching relationship of assets；Obtain the first financial events, and by the first gold medal
The event of melting is input in default finance product trend model, obtains the trend tendency of target finance product；Managed money matters according to target
The trend tendency of product obtains Asset Allocation strategy, and Asset Allocation strategy is sent into client.
In one embodiment, the first financial events is multiple, according to the first financial events and default finance product
Trend model obtains the trend tendency of target finance product, including：According to each first financial events and the first financial events
Corresponding finance product trend model obtains the trend tendency of target finance product；Obtained according to the trend of target finance product tendency
Taking the step of Asset Allocation strategy includes：According to trend corresponding to the trend of target finance product tendency and the first financial events
Weights determine the general trend tendency of target finance product；It is inclined to according to the general trend of target finance product and obtains Asset Allocation plan
Slightly, and Asset Allocation strategy is sent to client.
In one embodiment, the first financial events include market event, policy event, public sentiment event and basic side point
One of analysis event or any combination.
In one embodiment, when computer executable instructions are executed by processor, also to walk below computing device
Suddenly：The grade of finance product is obtained according to the second financial events and default finance product Grade Model；According to customer investment
The step of type and investment types obtain the target finance product matched with user with the matching relationship of assets includes：According to
Family investment types, investment types obtain the target matched with user with the matching relationship of assets and the grade of finance product and managed money matters
Product.
In one embodiment, customer investment type includes investment risk type, is obtained according to user profile and believed with user
Customer investment type corresponding to breath, including：According to user profile and default risk rating Rule investment risk type.
In one embodiment, there is provided a kind of computer equipment, computer equipment include memory, processor and storage
On a memory and the computer program that can run on a processor, following steps are realized during computing device computer program：
Customer investment type corresponding with user profile is obtained according to the user profile of user, user profile includes user basic information
And/or user's Asset operation behavioural information；According to customer investment type and investment types and the matching relationship of assets obtain with
The target finance product of user's matching；The first financial events are obtained, and the first financial events are input to default finance product
In trend model, the trend tendency of target finance product is obtained；It is inclined to according to the trend of target finance product and obtains Asset Allocation
Strategy, and Asset Allocation strategy is sent to client.
In one embodiment, the first financial events is multiple, according to the first financial events and default finance product
Trend model obtains the trend tendency of target finance product, including：According to each first financial events and the first financial events
Corresponding finance product trend model obtains the trend tendency of target finance product；Obtained according to the trend of target finance product tendency
Taking the step of Asset Allocation strategy includes：According to trend corresponding to the trend of target finance product tendency and the first financial events
Weights determine the general trend tendency of target finance product；It is inclined to according to the general trend of target finance product and obtains Asset Allocation plan
Slightly, and Asset Allocation strategy is sent to client.
In one embodiment, the first financial events include market event, policy event, public sentiment event and basic side point
One of analysis event or any combination.
In one embodiment, when computer executable instructions are executed by processor, also to walk below computing device
Suddenly：The grade of finance product is obtained according to the second financial events and default finance product Grade Model；According to customer investment
The step of type and investment types obtain the target finance product matched with user with the matching relationship of assets includes：According to
Family investment types, investment types obtain the target matched with user with the matching relationship of assets and the grade of finance product and managed money matters
Product.
In one embodiment, customer investment type includes investment risk type, is obtained according to user profile and believed with user
Customer investment type corresponding to breath, including：According to user profile and default risk rating Rule investment risk type.
One of ordinary skill in the art will appreciate that realize all or part of flow in above-described embodiment method, being can be with
The hardware of correlation is instructed to complete by computer program, the computer program can be stored in a computer-readable storage and be situated between
In matter, the program is upon execution, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, foregoing storage medium can be
The non-volatile memory mediums such as magnetic disc, CD, read-only memory (Read-Only Memory, ROM), or random storage note
Recall body (Random Access Memory, RAM) etc..
Each technical characteristic of embodiment described above can be combined arbitrarily, to make description succinct, not to above-mentioned reality
Apply all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, the scope that this specification is recorded all is considered to be.
Embodiment described above only expresses the several embodiments of the present invention, and its description is more specific and detailed, but simultaneously
Therefore the limitation to the scope of the claims of the present invention can not be interpreted as.It should be pointed out that for one of ordinary skill in the art
For, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the guarantor of the present invention
Protect scope.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.
Claims (10)
1. a kind of Asset Allocation strategy acquisition methods, it is characterised in that methods described includes：
Customer investment type corresponding with the user profile is obtained according to the user profile of user, the user profile includes using
Family essential information and/or user's Asset operation behavioural information；
The target matched with the user is obtained with the matching relationship of assets according to the customer investment type and investment types
Finance product；
The first financial events are obtained, and first financial events are input in default finance product trend model, are obtained
The trend tendency of the target finance product；
It is inclined to according to the trend of the target finance product and obtains Asset Allocation strategy, and the Asset Allocation strategy is sent to
Client.
2. according to the method for claim 1, it is characterised in that first financial events are described according to first to be multiple
The step of trend that financial events and default finance product trend model obtain the target finance product is inclined to includes：
Institute is obtained according to finance product trend model corresponding to each first financial events and first financial events
State the trend tendency of target finance product；
The step that acquisition Asset Allocation strategy is inclined to according to the trend of the target finance product includes：
According to determining trend weights corresponding to the trend of target finance product tendency and first financial events
The general trend tendency of target finance product；
The Asset Allocation strategy is obtained according to the general trend of target finance product tendency, and by the Asset Allocation strategy
It is sent to client.
3. method according to claim 1 or 2, it is characterised in that first financial events include market event, policy
One of event, public sentiment event and Fundamental Analysis event or any combination.
4. method according to claim 1 or 2, it is characterised in that methods described also includes：
The grade of finance product is obtained according to the second financial events and default finance product Grade Model；
It is described to obtain what is matched with the user with the matching relationship of assets according to the customer investment type and investment types
The step of target finance product, includes：
Obtained according to the grade of the matching relationship of the customer investment type, the investment types and assets and the finance product
Take the target finance product matched with the user.
5. according to the method for claim 1, it is characterised in that the customer investment type includes investment risk type, institute
Stating the step of obtaining customer investment type corresponding with the user profile according to user profile includes：
According to investment risk type described in the user profile and default risk rating Rule.
6. a kind of Asset Allocation strategy acquisition device, it is characterised in that described device includes：
Investment types determining module, for obtaining customer investment class corresponding with the user profile according to the user profile of user
Type, the user profile include user basic information and/or user's Asset operation behavioural information；
Finance product matching module, for according to the customer investment type and the acquisition of investment types and the matching relationship of assets
The target finance product matched with the user；
Trend is inclined to determining module, and default reason is input to for obtaining the first financial events, and by first financial events
Property product trend model, obtain the trend tendency of the target finance product；
Tactful acquisition module, Asset Allocation strategy is obtained for being inclined to according to the trend of the target finance product, and by described in
Asset Allocation strategy is sent to client.
7. device according to claim 6, it is characterised in that first financial events are multiple, the trend tendency
Determining module is used for：
Institute is obtained according to finance product trend model corresponding to each first financial events and first financial events
State the trend tendency of target finance product；
The tactful acquisition module includes：
General trend is inclined to determining unit, for according to the trend of target finance product tendency and first financial events
Corresponding trend weights determine the general trend tendency of the target finance product；
Tactful acquiring unit, for obtaining the Asset Allocation strategy according to the general trend of target finance product tendency, and
The Asset Allocation strategy is sent to client.
8. the device according to claim 6 or 7, it is characterised in that described device also includes：
Level determination module, for obtaining finance product according to the second financial events and default finance product Grade Model
Grade；
The finance product matching module is used for：
Obtained according to the grade of the matching relationship of the customer investment type, the investment types and assets and the finance product
Take the target finance product matched with the user.
9. a kind of computer equipment, including memory and processor, computer-readable instruction is stored with the memory, it is described
When computer-readable instruction is by the computing device so that the computing device such as any one of claim 1 to 5 right
It is required that the step of Asset Allocation strategy acquisition methods.
10. a kind of storage medium for being stored with computer-readable instruction, the computer-readable instruction is handled by one or more
When device performs so that one or more processors perform the Asset Allocation plan as described in any one of claim 1 to 5 claim
The step of omiting acquisition methods.
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