CN106991611A - A kind of intelligence financing investment consultant's robot system and its method of work - Google Patents
A kind of intelligence financing investment consultant's robot system and its method of work Download PDFInfo
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Abstract
This application discloses a kind of method of work and its system of intelligence financing investment consultant robot, wherein method includes：A is obtained and processes user data, B generates investment tactics, C investment tacticses are matched with user, the keys of D mono- place an order purchase function, E is safeguarded and investment tactics after adjustment throwing, the application utilizes development of Mobile Internet technology, provide a user the consulting service in financing of company formula, the demand of user is understood to greatest extent, the finance product of most suitable user reasonably and is in maximum efficiency most recommended into user, and user is constantly tracked after user buys product in the growth in financing field and the change of investment combination, the adjustment service of Portfolio Selection is constantly provided, strategy is set to be adapted to user's different stage of growth and different market environments, the analysis on Achievements trace analysis instrument of investment combination is provided simultaneously, allow users to easily check investment performance at any time.
Description
Technical field
The present invention relates to computer software, mobile phone application software field, and in particular to a kind of intelligence financing investment consultant's machine
Device people system and its method of work.
Background technology
Current artificial intelligence technology (data mining technology, machine learning techniques, natural language processing technique), behavioral finence
Scientific principle refer to independent each in experimental method, these technologies of Asset Allocation model or model have it is more actual should
With, but lack on the market be combined each other with produce can be provided for financing client it is bigger be worth, it is more preferable convenient
The product of property.
The content of the invention
For above-mentioned the deficiencies in the prior art, the purpose of the present invention is the existing technology of fusion, to the user for needing to manage money matters
Product with the intellectual investment consulting services for accompanying sense is provided.It is of the invention mainly to can solve the problem that asking for financing user data acquisition
Drawn a portrait after topic, data acquisition by data analysis with excavating generation user, generation investment tactics, investment tactics and user match
Problem, one-button-to-buy investment combination function, throw after the monitoring of investment combination, analysis on Achievements, graphical bought to user
When showing and selecting adjust storehouse the problem of, also including being proposed in whole process by the robot that manages money matters to user the problem of solve
Answer.
The invention discloses a kind of method of work of intelligence financing investment consultant robot, it comprises the following steps：
A is obtained and processes user data；
B generates investment tactics；
C investment tacticses are matched with user；
The keys of D mono- place an order purchase；
E is safeguarded and investment tactics after adjustment throwing.
Wherein, obtaining user data includes in the following manner：
Chat robots pattern, the chat robots pattern passes through language model, probability graph model, segmentation methods, word
Property mark, interdependent Sentence analysis, semantic role participle, name Entity recognition, semantic tree algorithm and technology, and chat robots
Decision tree formula or free style question and answer interaction flow obtain user data；
Test and appraisal game mode, the test and appraisal game mode passes through the experiment of patterned finance and obtains finance experiment number
According to the finance experiment includes fill a vacancy formula, option formula, dragging selecting type Job evaluation mode；
System storage and external data channel, the system storage and external data channel include system in it is existing or
From the user data of the legal acquisition of outside channel.
Wherein, processes user data package includes in the following manner：
Data mining, machine learning algorithm, the data mining, machine learning algorithm use classification, regression analysis, gathered
Class, correlation rule or feature analyzing function algorithm, are analyzed user data, obtain user characteristics；
Behavior finance algorithm, the behavior finance algorithm uses above-mentioned finance experimental data, utilizes behavioral finence
Learn principle and calculate user characteristics.
Wherein, generation investment tactics includes：
1) structure of Asset Allocation strategy, based on the quantitative model related to time series and Asset Allocation, using all
Known finance product generates corresponding Asset Allocation strategy on the market, and the Asset Allocation strategy is a variety of finance products
Combination in proportion.
The finance product includes public offering fund, bond, stock, bank financing, trust, insurance or privately-offered fund.
The quantitative model includes Markovitz mean variance Optimized model (MVO), Bu Laike-Li Teman (Black-
Litterman) model, risk par model, hidden Markov chain model, linear session series model, Conditional heterosedasticity model,
Nonlinear model, continuous time model, extreme value theory, fractional-dimension calculus and value-at-risk, multivariate time series analysis, principal component point
Analysis and factor model, polynary stability bandwidth model, state-space model and Kalman filtering, Markov chain Monte Carlo；
2) with adjusting the structure of storehouse strategy when selecting, it is described when selecting with adjusting storehouse strategy to be to Asset Allocation according to different marker
Strategy adjusts the operation in storehouse when being selected, and the Asset Allocation strategy includes with tune storehouse strategy when selecting：Buy in and hold (BH), fix
Ratio investment tactics (CM), fixed proportion Portfolio Insurance Strategy (CPPI), time invariance investment combination Preservation tactics
(TIPP) and replicate option insurance strategy (OBPI)；
The Asset Allocation strategy and it is described when selecting with adjusting storehouse strategy composition investment tactics storehouse.
Wherein, the investment tactics is matched with user is specially：Based on the data mining, machine learning algorithm or described
Behavior finance algorithm selects most suitable Asset Allocation strategy for user from the investment tactics storehouse and is pushed to user.
Wherein, a key, which places an order to buy, makes client realize what is combined to finance product described in the Asset Allocation strategy
One-button-to-buy.
Wherein, investment tactics includes after the maintenance is thrown with adjustment：Investment performance tracking, analysis and displaying, Asset Allocation
Adjustment, Asset Allocation strategy are sold when strategy is selected.
The investment performance tracking, analysis are specially with displaying：To the combination for the finance product bought, use
Based on including net value curve, earning rate, stability bandwidth, Sharpe Ratio, information ratio, Treynor ratio, Jensen Index, appraisal ratio
Rate, Time-varying Copula, it is maximum withdraw, achievement attribution these track image, data or methods related with analysis to investment performance,
Investment performance is tracked, analyzed and displaying.
Adjustment is specially when the Asset Allocation strategy is selected：Using when being selected described in above investment tactics storehouse with adjust storehouse plan
Slightly, appropriate opportunity is selected reasonably to adjust the ratio of finance product described in the Asset Allocation strategy.
The Asset Allocation strategy is sold specially：For the finance product in the Asset Allocation strategy held
Combination, in proportion or all a key sell.
The invention also discloses a kind of intelligence financing investment consultant's robot system, it includes following device：
For obtaining the device with processes user data；
Device for generating investment tactics；
The device matched for investment tactics with user；
Place an order the device of purchase for a key；
Device for safeguarding and adjusting investment tactics after throwing.
The device for obtaining with processes user data passes through chat robots pattern, test and appraisal game mode or system
Storage and external data channel obtain user data.
The device for obtaining with processes user data passes through data mining, machine learning algorithm or behavior finance
Algorithm process user data.
The device for being used to generate investment tactics is utilized based on the quantitative model related to time series and Asset Allocation
All finance products known on the market produce corresponding Asset Allocation strategy, and the Asset Allocation strategy is a variety of finance products
Combination in proportion.The device for being used to generate investment tactics is also generated when selecting with adjusting storehouse strategy, the Asset Allocation strategy
With adjusting storehouse strategy composition investment tactics storehouse during with described selecting.
It is described to be based on data mining, machine learning algorithm or behavior finance for the device that investment tactics is matched with user
Algorithm selects most suitable Asset Allocation strategy for user from the investment tactics storehouse and is pushed to user.
It is described be used for a key place an order purchase device make client realize finance product described in the investment tactics is combined
One-button-to-buy.
The device for being used to safeguard and adjust investment tactics after throwing includes：Investment performance tracking, analysis and display module,
Adjusting module, Asset Allocation strategy sell functional module when Asset Allocation strategy is selected.
Investment performance tracking, analysis are combined with display module to the finance product bought, using based on
Including net value curve, earning rate, stability bandwidth, Sharpe Ratio, information ratio, Treynor ratio, Jensen Index, valuation ratio,
Danger value, it is maximum withdraw, achievement attribution these track image, data or methods related with analysis to investment performance, to throwing
Money achievement is tracked, analyzed and displaying.
Adjusting module utilizes tactful, the choosing with tune storehouse when being selected described in policy library described above when the Asset Allocation strategy is selected
The ratio that appropriate opportunity combines finance product described in the Asset Allocation strategy is selected reasonably to be adjusted.
The Asset Allocation strategy is sold functional module and produced for the financing in the Asset Allocation strategy held
There is provided in proportion or all functions for selling of a key for the combination of product.
The Advantageous techniques effect of the application is：
Using development of Mobile Internet technology, the consulting service in financing of company formula is provided a user, user is understood to greatest extent
Demand, the finance product of most suitable user is most recommended into user reasonably and in maximum efficiency, and buy and produce in user
Constantly tracking user, in the growth in financing field and the change of investment combination, constantly provides the adjustment of Portfolio Selection after product
Service, enables investment tactics to be adapted to user's different stage of growth and different market environments, while providing investment combination
Analysis on Achievements trace analysis instrument, allow users to easily check investment performance at any time.
Brief description of the drawings
Fig. 1 show the schematic flow sheet of the method for work of intelligence financing investment consultant's robot system.
Fig. 2 show the schematic diagram that chat robots obtain user data.
Fig. 3-5 show the schematic diagram that user data is obtained by game of testing and assessing.
Fig. 6 is that a key places an order main interface schematic diagram.
Fig. 7 is the achievement curve map for the suitability that investment performance is tracked, analysis is shown with display module.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, below in conjunction with the accompanying drawings and embodiment, it is right
The present invention is further elaborated.It should be appreciated that specific embodiment described herein is only to explain the present invention, not
For limiting the present invention.
Shown in refer to the attached drawing 1 and 2, wherein Fig. 1 show the method for work of intelligence financing investment consultant's robot system
Schematic flow sheet.
The acquisition and processing of step party A-subscriber's data
User enters main interface, and the device for obtaining with processes user data asks the user whether to hold investment combination production
Product, if it is not, then obtaining user data by chat robots step into next step, user interacts with chat robots
Link up, chat robots pass through language model, probability graph model, segmentation methods, part-of-speech tagging, interdependent Sentence analysis, semantic angle
Color participle, name Entity recognition, semantic tree algorithm and technology, and the decision tree formula or free style question and answer of chat robots are handed over
Mutual flow obtains user related data and stored；If it is, inquiry client checks investment performance or opens new investment, user
New investment is opened in selection, then enters through chat robots and obtain user data step, investment performance is checked in user's selection, then
Into investment performance tracking, analysis and display module, ask whether to sell afterwards, if it is, the key of selectable portion one is sold
Or all a key is sold, after a key is sold, system returns to main interface.
For example, in the chat robots shown in Fig. 2, chat robots can inquire user：Your investment amount can be
Below within the scope of which
0-5 ten thousand, 5-100 ten thousand, more than 1,000,000 or other scopes.
User can also be obtained after intelligent chat robots step by testing and assessing game and system data on stock storehouse
Data, wherein as in Figure 3-5, test and appraisal game can include the experiment of patterned finance, including formula of filling a vacancy, option formula, drag
Drag the interactive modes such as formula.
Fig. 3 show the formula interactive mode of filling a vacancy in test and appraisal game, for example, it can allow client to fill in：It may I ask earning rate
Less than how many when, you may feel that disappointment
The number range that wherein user can fill in is more than -100%.
Fig. 4 show the option formula interactive mode in test and appraisal game, for example, it can allow user to select：Risk assets are thrown
(50% may get a profit 5% to money, and 5%) 50% may lose or retain cash and do not invest and (necessarily make neither a loss or a profit).
Fig. 5 show test and appraisal game in towed interactive mode, for example, its can allow user selection left side option 1.-
4. a certain in is simultaneously correspondingly dragged to right side sphere of movements for the elephants frame accordingly A-D regions, wherein 1. -4. middle option represent different users
Degree of concern, 1. -4. reduce successively, and right side represents different focus, for example：Investment amount, expected stability bandwidth, expected receipts
Beneficial rate, maximum such as withdraw at the index.
Obtained user data is handled using user's portrait module afterwards, user's portrait module uses data
Excavate, machine learning algorithm and behavior finance algorithm obtain user characteristics and be stored in user's representation data storehouse, wherein
The data mining, machine learning algorithm are right using classification, regression analysis, cluster, correlation rule or feature analyzing function algorithm
User data is analyzed, and obtains user characteristics；The behavior finance algorithm uses above-mentioned finance experimental data, utilizes row
User characteristics is calculated for finance principle.
For example：By data above, investment amount, risk tolerance and the risk aversion degree of user can be obtained
With the data of loss aversion degree.Such as 20000 yuan of investment amount, risk tolerance is acceptable stability bandwidth 7% and following
Investment tactics, risk aversion degree (risk-aversion coefficient α=0.5, probability weight coefficient γ=0.5, with reference to earning rate RP=
5%), loss aversion degree (loss aversion coefficient β=2.0).
The generation of B investment tacticses
Device for generating investment tactics is utilized from gold based on the quantitative model related to time series and Asset Allocation
Melt the corresponding Asset Allocation strategy of finance product known on the market generation that database is obtained, Asset Allocation strategy is a variety of described
The combination in proportion of finance product.
For generate the device of investment tactics can also generate select when with adjusting storehouse strategy, it is described when selecting with adjusting storehouse strategy to be root
When being selected according to different marker Asset Allocation strategy adjust storehouse operation, the Asset Allocation strategy when selecting with adjust storehouse plan
Slightly include：Buy in and hold (BH), fixed proportion investment tactics (CM), fixed proportion Portfolio Insurance Strategy (CPPI), time
Consistency investment combination Preservation tactics (TIPP) and duplication option insurance strategy (OBPI).
Asset Allocation strategy with tune storehouse strategy when selecting with constituting investment tactics storehouse.
Wherein finance product includes public offering fund, bond, stock, bank financing, trust, insurance or privately-offered fund.
Wherein quantitative model includes Markovitz mean variance Optimized model (MVO), Bu Laike-Li Teman (Black-
Litterman) model, risk par model, hidden Markov chain model, linear session series model, Conditional heterosedasticity model,
Nonlinear model, continuous time model, extreme value theory, fractional-dimension calculus and value-at-risk, multivariate time series analysis, principal component point
Analysis and factor model, polynary stability bandwidth model, state-space model and Kalman filtering, Markov chain Monte Carlo.
For example, application risk par strategy generating one investment combination --- stock fund accounting 23.6%, bond
Type fund accounting 61.8%, precious metals fund accounting 14.6%；Generated simultaneously using Markovitz mean variance Optimized model
1000 kinds of same investment combinations being made up of several index funds on effective frontal.
C investment tacticses are matched with user
The data mining, machine learning algorithm or the row are based on using the device matched for investment tactics with user
With adjusting storehouse strategy when being the most suitable Asset Allocation strategy of user's selection from the investment tactics storehouse for finance algorithm or selecting
(generating investment combination) and it is pushed to user.
For example：The data drawn a portrait according to user in step A and certain behavior finance model, calculate investment tactics storehouse
In the strategy that is obtained by risk par model be best suitable for the user, the investment combination is pushed to user.
The keys of D mono- place an order purchase
Asset Allocation strategy that whether system interrogation user provides according to investment tactics and user's matching system or when selecting with
Adjust storehouse strategy to be bought, if it is, by for a key place an order purchase device into one-button-to-buy step, if not,
Then return to intelligent chat robots.
After user's selection one-button-to-buy, system returns to a key and placed an order main interface, and enters order generating system.
As shown in fig. 6, user can by for a key place an order purchase device place an order main interface into a key in it is defeated
Enter investment amount, and confirm to enter order generating system.
The maintenance and adjustment of investment tactics after E is thrown
After the completion of user's order (i.e. user according to Asset Allocation strategy or when selecting with adjusting storehouse strategy to complete finance product group
After the purchase of conjunction), tracked, analyzed and displaying by the maintenance for investment tactics after throwing and the investment performance in the device of adjustment
Modules exhibit achievement.
As shown in fig. 7, being tracked for investment performance, analyzing the achievement curve map shown with display module.
The investment performance tracking, analysis, to the combination for the finance product bought, use base with display module
In including net value curve, earning rate, stability bandwidth, Sharpe Ratio, information ratio, Treynor ratio, Jensen Index, valuation ratio,
Time-varying Copula, it is maximum withdraw, achievement attribution these track image, data or methods related with analysis to investment performance, it is right
Investment performance is tracked and analyzed, and generates achievement curve map, wherein colour curve different in achievement diagram represents different
Finance product price index, wherein a certain particular color (such as golden yellow colo(u)r streak, it is illustrated that in exemplarily only represent gold with light lines
Yellow line) for user's actual purchase investment combination net value curve.
Adjusting module when being selected using the maintenance for investment tactics after throwing with the Asset Allocation strategy in the device of adjustment, profit
With when selecting and tune storehouse strategy in above-mentioned policy library, suitable opportunity is selected, to finance product described in Asset Allocation strategy
Ratio is reasonably adjusted.
For example：By different market conditions, selection uses BH, CM, CPPI, TIPP, OBPI in investment tactics storehouse etc.
The operation in storehouse is adjusted when strategy is selected investment combination, such as using CM strategies, when the ratio that Hu-Shen 300 index accounts for total amount is inclined
During from 2%, tune storehouse is carried out to combination, the fund accounting of three funds is readjusted as 23.6%, 61.8% and 14.6%.
Safeguarded using strategy after throwing and sell functional module to the money held with the Asset Allocation strategy in adjusting apparatus
There is provided in proportion or all functions for selling of a key for the combination of the finance product in production configuration strategy.
It should be noted that in description above, when " investment tactics " includes Asset Allocation strategy, selected with adjust storehouse strategy or
It is combined, and " Portfolio Selection " is to refer to investment combination.
Embodiment described above only expresses embodiments of the present invention, and it describes more specific and detailed, but can not
Therefore it is interpreted as the limitation to the scope of the claims of the present invention.It should be pointed out that for the person of ordinary skill of the art,
Without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the protection model of the present invention
Enclose.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.
Claims (10)
1. a kind of intelligence financing investment consultant's robot system, it includes following device：
For obtaining the device with processes user data, it is used to obtain user data, and is obtained by user's portrait resume module
The user data taken obtains user characteristics, and the user characteristics is stored in user's representation data storehouse；
Device for generating investment tactics, it utilizes all cities based on the quantitative model related to time series and Asset Allocation
With adjusting storehouse tactful when known finance product produces corresponding Asset Allocation strategy and selected on face, the Asset Allocation strategy and described
With adjusting storehouse strategy composition investment tactics storehouse when selecting；
The device matched for investment tactics with user, it is based on the user characteristics in user's representation data storehouse from the plan
Slightly it is that the user selects most suitable Asset Allocation strategy and is pushed to user in storehouse；
The device for the purchase function that placed an order for a key, it makes user realize to finance product described in selected Asset Allocation strategy
The one-button-to-buy of combination；
Device for safeguarding and adjusting investment tactics after throwing, it includes：Tracking, analysis are with showing that the finance product combines throwing
Investment performance tracking, the analysis of money achievement are reasonably adjusted with display module, to the ratio that the finance product is combined
Adjusting module when Asset Allocation strategy is selected, for the finance product combination held, in proportion or all a key is sold
Asset Allocation strategy sells functional module.
2. a kind of intelligence financing investment consultant's robot system as claimed in claim 1, it is characterised in that described to be used to obtain
Obtained with the device of processes user data by chat robots pattern, test and appraisal game mode or system storage and external data channel
Take user data.
3. a kind of intelligence financing investment consultant's robot system as claimed in claim 1, it is characterised in that user's portrait
Module obtains the user special by user data described in data mining, machine learning algorithm or behavior finance algorithm process
Levy.
4. a kind of intelligence financing investment consultant's robot system as claimed in claim 1, it is characterised in that the finance product
Including public offering fund, bond, stock, bank financing, trust, insurance or privately-offered fund.
5. a kind of intelligence financing investment consultant's robot system as claimed in claim 1, it is characterised in that the investment performance
Track, analysis is tracked to investment performance, analyzes and opened up using below figure picture, data or method is included with display module
Show：Net value curve, earning rate, stability bandwidth, Sharpe Ratio, information ratio, Treynor ratio, Jensen Index, valuation ratio, in danger
Value, maximum are withdrawn, achievement attribution.
6. a kind of intelligence financing investment consultant's robot system as claimed in claim 1, it is characterised in that the Asset Allocation
Adjusting module when selecting described in the policy library using, with adjusting storehouse strategy, selecting appropriate opportunity and appropriate select when strategy is selected
When with adjust storehouse strategy the allocation ratio that the finance product is combined reasonably is adjusted.
7. a kind of method of work for investment consultant's robot system of intelligently being managed money matters as described in any in 1-6 such as claim, it includes
Following steps：
Step A:Obtain and processes user data, user data is obtained first, and obtain by user portrait resume module
The user data so as to obtaining user characteristics, the user characteristics is stored in user's representation data storehouse；
Step B:Investment tactics is generated, utilizes known on the market based on the quantitative model related to time series and Asset Allocation
All finance products when generating corresponding Asset Allocation strategy and selecting with adjusting storehouse tactful, the Asset Allocation strategy and described when selecting
With adjusting storehouse strategy composition investment tactics storehouse；
Step C:Investment tactics is matched with user, based on the user characteristics in user's representation data storehouse from the investment tactics
It is that the user selects most suitable Asset Allocation strategy and is pushed to user in storehouse；
Step D:One key places an order purchase, is placed an order purchase function by a key, user described in selected Asset Allocation strategy to managing
Wealth product mix carries out one-button-to-buy；
Step E:Investment tactics after being thrown with adjustment is safeguarded, the step includes：To the throwing for the finance product combination bought
Money achievement is tracked, analyzed and displaying；The ratio that adjustment is combined to the finance product when being selected by Asset Allocation strategy is entered
Row is reasonably adjusted；Function is sold by Asset Allocation strategy in proportion or whole to the finance product combination held
One key is sold.
8. the method for work of intelligence financing investment consultant's robot system as claimed in claim 7, it is characterised in that Ke Yitong
Cross in the following manner and obtain user data：The dialogic operation of chat robots, test and assess game mode or system storage and external data
Channel；Wherein, the system storage and external data channel include existing or from the legal acquisition of outside channel in system
All data.
9. the method for work of intelligence financing investment consultant's robot system as claimed in claim 8, it is characterised in that the step
Processes user data package is included in rapid A：User data based on acquisition, user's portrait module passes through data mining, engineering
User data described in practising algorithm or behavior finance algorithm process, obtains user characteristics.
10. the method for work of intelligence financing investment consultant's robot system as claimed in claim 7, it is characterised in that described
Investment performance described in step E tracks, analyzes and be shown as：For the combination for the finance product bought, bag is used
Include net value curve, earning rate, stability bandwidth, Sharpe Ratio, information ratio, Treynor ratio, Jensen Index, valuation ratio, in danger
Value, it is maximum withdraw, the image of achievement attribution, data or method, investment performance is tracked, analyze with showing.
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