CN108596769A - Assets management method and device - Google Patents
Assets management method and device Download PDFInfo
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- CN108596769A CN108596769A CN201810409225.0A CN201810409225A CN108596769A CN 108596769 A CN108596769 A CN 108596769A CN 201810409225 A CN201810409225 A CN 201810409225A CN 108596769 A CN108596769 A CN 108596769A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
This application involves a kind of method and apparatus of asset management.Method therein includes：Receive current input combined information；It according to the pre-recorded correspondence for inputting combined information and result, obtains and the current input matched result of combined information, wherein in correspondence the result is that inputting what combined information was calculated by corresponding according to preset algorithm；Feed back matched result.Preset algorithm includes：Analysis input combined information, is based on financial market uncertainty statistical modeling, and module is built by investment combination, final to determine market optimizing decision.The pre-recorded asset configuration information combination of this method, there is provided asset management and when counseling services, after user inputs asset configuration information, can directly from pre-recorded correspondence feedback result, reduce average latency and calculation amount, improves service quality.
Description
Technical field
The present invention relates to asset management field more particularly to a kind of assets management methods and device.
Background technology
Asset management refers to the personal considerations and the investment objective for investor, Investment Allocation in different classes of assets
On, after obtaining ideal return, risk is reduced to minimum.There are two types of the classifications of assets, one is physical assets, as house property,
Art work etc.；Another kind is financial asset, such as stock, bond, fund.When investor faces a variety of assets, consideration should gather around
When how many kind assets, each assets respectively account for how much proportion, the decision process of asset management is begun to.In a word, assets
Management is a financing concept, and investor is according to time limit of its investment plan and the risk that can be born, to configure asset portfolio.
Existing asset management technology focuses on to be reduced risk and realizes maximum revenue to the maximum extent, it usually needs is thrown
Money person puts into a large amount of assets.However, these investment ways are often unsuitable for the individual investor of scalp volume.In general, a
People investor has some specific investment objectives, such as improves living cost, pays child's tuition fee, deposit house fund etc., such
Investor, which also mostly has, determines the retired amount of money and time.
Previous " Asset Allocation algorithm " usually can only be used for operating large-scale fund, using the negligible amounts of algorithm, or
The complexity of algorithm is not high, so calculating speed is quickly.But the intelligence being evolving throws Gu field, it is extremely more to quantity
It is personal targetedly asset management be provided seek advice from, and important financial objectives carry out Asset Allocation and are in life according to them
Very important, when with the algorithm largely calculated is needed, computation complexity is also a very important factor, especially
When servicing 100,000 or even million users.So as the user of these algorithms and the asset management platform of computer or mobile phone
When interface generates interaction, when generating interbehavior by user inputs by changing, in order to allow user to check immediately as a result, fast
Speed, which calculates, just becomes particularly important.
Invention content
To overcome the problems, such as at least to a certain extent present in the relevant technologies, the present invention provides a kind of side of asset management
Method and device.
According to the embodiment of the present application in a first aspect, provide a kind of method of asset management, including：
Receive current input combined information；According to the correspondence of pre-recorded input combined information and result, obtain
With the matched result of the current input combined information, wherein in the correspondence the result is that according to preset algorithm by right
What the input combined information answered was calculated；
Feed back the matched result.
The preset algorithm includes：Analysis input combined information, is based on financial market uncertainty statistical modeling, passes through throwing
Money combination structure module, it is final to determine market optimizing decision.
Optionally, the correspondence according to pre-recorded input combined information and result, obtains and the input
Combined information is matched as a result, including：
If in pre-recorded correspondence, there are the current input combined information, then obtain with it is described currently defeated
Enter the corresponding result of combined information；Alternatively,
If in pre-recorded correspondence, the current input combined information is not present, then in the correspondence
Middle determination and the current immediate input combined information of input combined information, and obtain and combined with the immediate input
The corresponding result of information.
Optionally, the determination and the current immediate input combined information of input combined information, including：It will be described
Current input combined information is compared with the pre-recorded input combined information, is found out and is combined letter with the current input
Breath has the pre-recorded input combined information of same or similar part, and is fed back to the immediate input combination letter
Breath.
Optionally, if in pre-recorded correspondence, the current input combined information is not present, then using default
Algorithm calculates it, and result is complemented in pre-recorded correspondence.
Optionally, the assets management method further includes：
Receive input combined information to be calculated；
If the input combined information to be calculated is multigroup, for every group of input combined information, reuse default
Algorithm calculates separately to obtain the corresponding result of every group of input combined information；Alternatively, being directed to multigroup input combined information, concurrently count
Calculation obtains every group of input and combines corresponding result；
Every group of input combined information and corresponding result are recorded in the correspondence.
Optionally, the input combined information to be calculated includes：The anticipated input combined information of configuration, alternatively, user
The input combined information of input.
Optionally, the assets management method further includes：According to the input combined information received, using data analysis or
Machine learning techniques determine anticipated input combined information.
Optionally, the input combined information includes one or more in following information：Investment amount, investment the time limit,
The investment objective.
Optionally, the investment objective further includes：Priority, the importance for indicating the target for user,
In, each target can start simultaneously at, but the target of high priority enjoys more use of funds power.
According to the second aspect of the embodiment of the present application, a kind of device of asset management is provided, including：
Receiving module, for receiving current input combined information；
Acquisition module, for the correspondence according to pre-recorded input combined information and result, acquisition is worked as with described
The matched result of preceding input combined information, wherein in the correspondence the result is that according to preset algorithm by corresponding input
What combined information was calculated；
Feedback module, for feeding back the matched result.
The technical solution that embodiments herein provides can include the following benefits：
Pre-recorded asset configuration information combination, when providing asset management and counseling services, user inputs assets and matches
After confidence breath, calculated using Asset Allocation algorithm, according to the correspondence of pre-recorded input combined information and result,
It is matched as a result, matched result is fed back to user to obtain the combined information currently inputted with user.And for those moneys
The input information combination that production placement algorithm frequently uses, we can collect and then learn these data and understand those cases with this
Example can be again analyzed in future, the precalculated following case for expecting to occur, or the case that caching was analyzed in the past
Example.In this way, average latency and calculation amount can all be reduced, the waiting time of user is enable to maintain the good water of experience
On flat.User may be the professional person of a customer for directly inputting oneself information or a similar money-managing consultant, they
Financing can be provided by using the system of this patent for other people to suggest.
It should be understood that above general description and following detailed description is only exemplary and explanatory, not
The application can be limited.
Description of the drawings
The drawings herein are incorporated into the specification and forms part of this specification, and shows the implementation for meeting the application
Example, and the principle together with specification for explaining the application.
Fig. 1 is a kind of flow diagram for assets management method that the application one embodiment provides.
Fig. 2 is a kind of flow diagram of the algorithm for assets management method that the application one embodiment provides.
Fig. 3 is a kind of calculation process schematic diagram for assets management method that the application one embodiment provides.
Fig. 4 is a kind of structural schematic diagram for asset management device that the application one embodiment provides.
Fig. 5 is a kind of Asset Allocation schematic diagram for assets management method that the application one embodiment provides.
Specific implementation mode
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with the application.On the contrary, they be only with it is such as appended
The example of consistent device and method of some aspects be described in detail in claims, the application.
Fig. 1 is a kind of flow diagram of the method for asset management that the application one embodiment provides.Referring to Fig.1, originally
The method of embodiment may include：
Step 110, current input combined information is received.
In this step, combined information is currently inputted, i.e., information input by user, user may be one and directly input oneself
The professional person of the customer of information or a similar money-managing consultant, they can be other by using the system of the application
People provides financing and suggests.
Input combined information includes at least one in following item：Investment amount, investment time limit, the investment objective.
The amount of money that investment amount, that is, user can invest, such as 50,000,100,000 etc..
Time when investment time limit, that is, user it is expected to obtain income, such as 45 years old, 60 years old etc..
The investment objective, that is, user it is expected the revenue amount obtained, such as 100,000,200,000 etc..
Above-mentioned each information can be applied in combination, for example, user is 30 years old at this stage, investment amount is annual from now on
10,000 yuan are invested, the income etc. of the acquisition 200,000 at 45 years old is contemplated to be.
Step 120, it according to the correspondence of pre-recorded input combined information and result, obtains and is combined with current input
The Asset Allocation result of information matches, wherein in correspondence to believe the result is that being combined by corresponding input according to preset algorithm
What breath was calculated.
A system can be corresponded to by executing this method, in this step, pre-recorded in systems input combined information with
The correspondence of Asset Allocation result is compared after user's input information with pre-recorded input combined information, is obtained
With the current input matched Asset Allocation result of combined information.
The assets that Asset Allocation result, that is, user needs to configure, the assets can be physical assets or financial asset, reality
Goods and materials produce such as house property, the art work, financial asset such as stock, bond, fund etc..
Preset algorithm is pre-set algorithm, and Fig. 2 is the flow diagram of the algorithm, which is properly termed as assets and matches
Set algorithm.Asset Allocation algorithm shows to input the relationship between combined information and Asset Allocation result, to utilize Asset Allocation
Algorithm can calculate Asset Allocation result corresponding with combined information is inputted.
With reference to Fig. 2, which includes：Step 210 analysis input combined information, step 220 are uncertain based on financial market
Property statistical modeling, step 230 investment combination build module, step 240 determine market optimizing decision.In structure Asset Allocation algorithm
When, it needs to consider that financial market is uncertain, optimal marketing decision is made to be based on financial market uncertainty.
Specifically, Asset Allocation algorithm is illustrated by the case in Fig. 5.
Fig. 5 shows a kind of specific embodiment of Asset Allocation algorithm, is inputted according to user in present case with reference to Fig. 5
Combined information, construct three phases (the 0th stage, the 1st stage, the 2nd stage), the 0th 30 years old stage was user's current age,
In the financial market in the 0th stage, the value ratio between cash, stock, bond is 1：1：1, example 1, example 2 are the user
The corresponding Asset Allocation ratio of the different investment objectives；2nd stage, the surging market in the 3rd stage, middle meat market and weak tendency city
, it is exactly the uncertain parameters in the uncertainties model model of financial market, according to the market situation under different situations, establishes
Corresponding market model determines the value ratio between cash, stock, bond；Further according to the Asset Allocation ratio of the 0th phase user
Example builds module by investment combination and establishes new investment combination, distributes the Asset Allocation ratio in the 1st stage and the 2nd stage, will
Final market optimizing decision is fed back in user.Market optimizing decision is exactly Asset Allocation result.
Step 130, matched Asset Allocation result is fed back.
After getting result, system can be fed back to user.
In the present embodiment, by the correspondence of pre-recorded input combined information and result, it can receive currently
After inputting combined information, simultaneously feedback result is obtained according to above-mentioned correspondence, combined information is currently inputted relative to receiving
Afterwards in such a way that result is calculated in algorithm, feedback speed can be improved, the waiting time of user is enable to maintain an individual
It tests in good level.
It should be noted that in the present embodiment, above-mentioned steps 120, according to pre-recorded input combined information and knot
The correspondence of fruit obtains matched with input combined information as a result, including the following contents：
If in pre-recorded correspondence, there are the current input combined informations of user, then obtain and current input
The corresponding result of combined information；Alternatively,
If in pre-recorded correspondence, there is no the current input combined informations of user, then in correspondence
It determines and inputs the immediate input combined information of combined information with current, and obtain corresponding with immediate input combined information
As a result.
Wherein it is determined that with the current input immediate input combined information of combined information, including：Combination letter will currently be inputted
Breath is compared with pre-recorded input combined information, and find out has the pre- of same or similar part with currently input combined information
The input combined information first recorded, and it is fed back to immediate input combined information.It is directed to input combination and returns to note in advance
There are general character or similar part both in the result of the input combination of record, be determined as immediate input combined information,
It in this way can be with rapid feedback as a result, reducing the stand-by period of user.
In the immediate input combined information of above-mentioned judgement, the same or similar part of selection can be according to actual needs
Setting.For example, input combined information includes investment, investment time limit and the investment objective, if the currently throwing of input combined information
Money volume is identical as the existing first input investment of combined information, the investment objective phase with existing second input combined information
Together, and pre-set the investment objective priority ratio investment it is high, then by the second input combined information rather than the first input
Combined information is determined as immediate input combined information.
Further, if in pre-recorded correspondence, there is no the current input combined informations of user, for reality
The effect of existing fast reaction, can feed back to user by immediate result；Simultaneously in order to realize accuracy, preset algorithm is used
It calculates currently inputting combined information, calculating at this time and the stand-by period for being not take up user, but is carried out on backstage, and
Result is complemented in pre-recorded correspondence；So set, when if current input combined information occurs again, you can
Corresponding result is directly obtained from pre-recorded correspondence feeds back to user.
Fig. 3 is a kind of calculation process schematic diagram for assets management method that the application one embodiment provides.Reference Fig. 3,
Include the following steps：
Step 310, input combined information to be calculated is received；
Step 320, it if input combined information to be calculated is multigroup, for every group of input combined information, reuses
Preset algorithm calculates separately to obtain the corresponding result of every group of input combined information；Alternatively, it is directed to multigroup input combined information, and
Hair is calculated every group of input and combines corresponding result；
Step 330, every group of input combined information and corresponding result are recorded in correspondence.
Step 340, current input combined information is received.
Step 350, it according to the correspondence of pre-recorded input combined information and result, obtains and is combined with current input
The Asset Allocation result of information matches, wherein in correspondence to believe the result is that being combined by corresponding input according to preset algorithm
What breath was calculated.
Step 360, matched Asset Allocation result is fed back.
It is understood that the particular content of step 340- steps 360 may refer to step 110-130, herein no longer in detail
It states.
Wherein, input combined information to be calculated includes：The anticipated input combined information of configuration, alternatively, input by user
Input combined information.
In above-described embodiment, preset algorithm can individually calculate each group of input combined information, make so each group it is defeated
The calculating process for entering combined information has higher response speed, when user inputs combined information, preferentially can quickly calculate
And user is fed back to, reduce the stand-by period；Concurrently multigroup input combined information can also be calculated, this calculating process is applicable in
When configuring pre-recorded input combination, a large amount of, different input combined informations can be arranged in developer, and calculates it
It is corresponding as a result, input combined information and its corresponding result are recorded in presupposed information, can in this way when user's input information
With from pre-recorded input combined information immediate feedback it is corresponding as a result, substantially increasing service quality.
Further, it determines and is expected using data analysis or machine learning techniques according to the input combined information received
Input combined information.
For example, after collecting the input combined information that has received, by data analysis or machine learning techniques, for having collected
Data analyzed, will input combination the number that repeatedly inputs be ranked up from more to less, filter out be repeated twice it is above
Input combination judges that its future can be repeated request and calculate, to be determined as anticipated input combined information.
In embodiments herein, the investment objective for inputting combined information further includes：Priority, the investment objective it is preferential
Grade indicates the target for the importance of the user or the user for completing the confidence of the target.Target with priority
Between be not to complete highest priority just to start the relationship of the second priority, each target can start simultaneously at, but height is preferentially
Grade target enjoys more use of funds power.
The assets management method involved by the embodiment of the present application is illustrated with reference to concrete case.
Table 1 show case 1.
| 0th stage (30 years old) | 1st stage (45 years old) | 2nd stage (60 years old) | |
| House property | $300,000 | ||
| Stock | $20,000 | ||
| Bond | $10,000 | ||
| Income | $150,000 | $200,000 |
Table 1
Case 1 shows a kind of specific example of input combined information, and in this example, input combined information includes：It throws
Provide time limit (each stage), the investment objective (house property, stock, bond), investment amount, income.Specifically, the user wishes
Possess within 60 years old $ 300,000, for buying house property, $ 20 was possessed at 45 years old, 000, for investing in stock, $ 10,000 was possessed at 45 years old
For investment bond, and the user is $ 150 in current (the 0th stage) income, 000, enter to be expected to $ 200,000 in 45 public revenues.
Table 2 show case 2.
| 0th stage (30 years old) | 1st stage (45 years old) | 2nd stage (60 years old) | |
| Open shop | ＄ 100,000 | ＄ 100,000 | |
| Children's education | ＄ 10,000 | ＄ 50,000 | |
| Stock | ＄ 10,000 | ＄ 10,000 | |
| House property | ＄ 100,100 | ＄ 100,000 | |
| Income | ＄ 150,000 | $200,000 |
Table 2
Case 2 shows another specific example of input combined information, and in this example, input combined information includes：
Invest time limit (each stage), the investment objective (opening shop, children's education, stock, house property), investment amount, income.It is specific and
Speech, the user wish that at 45 years old, investment $ 100,000 possesses $ 10,000 for children's education expense, possess for opening shop
$ 10,000 possesses $ 100,000 for buying house property for investing in stock；The user wishes, at 60 years old, to possess $ 100,000
For investing shop, possesses 50,000 for children's education expense, possess 10,000 for investing in stock, possess 100,000
For buying house property, and the user is $ 150 in current (the 0th stage) income, 000, enter to be expected to $ 200,000 in 45 public revenues.
Table 3 show case 3.
| 0th stage (30 years old) | 1st stage (45 years old) | 2nd stage (60 years old) | |
| House property (the 2nd priority) | $300,000 | ||
| Stock (the 1st priority) | $20,000 | ||
| Bond (the 3rd priority) | $10,000 | ||
| Income | $150,000 | $200,000 |
Table 3
Case 3 shows another specific example of input combined information, this example is based on case 1, in investment mesh
Priority is added in mark.Specifically, the user wish to possess at 45 years old $ 20,000 for invest in stock by complete at first
At so it is the 1st priority to assign stock, at 60 years old, investment $ 300,000 was endowed the 2nd priority for investing house property, 45
Year possesses $ 10, and 000 is endowed the 3rd priority for investment bond, which is $ 150 in current 30 years old the 0th stage income,
000, it is $ 200,000 in 45 years old expected revenue.
Table 4 show case 4.
| 0th stage (30 years old) | 1st stage (45 years old) | 2nd stage (60 years old) | |
| Open shop (the 2nd priority) | $100,000 | $100,000 | |
| Children's education（1st priority) | $10,000 | $50,000 | |
| Stock (the 3rd priority) | $10,000 | $10,000 | |
| House property (the 4th priority) | $100,000 | $100,000 | |
| Income | $150,000 | $200,000 |
Table 4
Case 4 shows another specific example of input combined information, this example is based on case 2, in investment mesh
Priority is added in mark.Specifically, it is the 1st priority that the user, which assigns children's education, it is desirable to possess $ 10,000 at 45 years old
For children's education, $ 50,000 was possessed at 60 years old for children's education；2nd priority is that shop is opened in investment, which wishes
Possess $ 100 within 45 years old, 000 invests in out shop, and $ 100 was possessed at 60 years old, and 000 invests in out shop；3rd priority is Investment Unit
Ticket, the user wish to possess at 45 years old $ 10,000 for investing in stock, $ 10,000 were possessed at 60 years old for investing in stock；4th
Priority is investment house property, which wishes to possess at 45 years old $ 100,000 for investing house property, $ 100,000 was possessed at 60 years old
For investing house property；The user is $ 150 in current 30 years old the 0th stage income, 000, it is $ 200,000 in 45 years old expected revenue.
After user is input to above- mentioned information, system can be according to preconfigured correspondence, alternatively, preconfigured
Asset Allocation management algorithm is obtained with the matched Asset Allocation of above- mentioned information as a result, to provide support for the asset management of user
Service.
Table 5 show case 5.
Table 5
Case 5 shows the Asset Allocation result example corresponding to case 3, and in case 3, which gathered around at current 30 years old
There is income $ 150,000, although the priority of stock and bond is different, fund still can meet the two targets, so this
In case, 10,000 the two targets of investment bond $ of 20,000 and the 3 priority of investment in stock $ of the 1st priority at 45 years old
It can complete, degree of reaching is 100%；The user is it is contemplated that it is $ 200 that 45 years old when, which possesses income, 000, therefore possessed $ at 60 years old
300,000 can only reach 66.7% for investing house property this target.
Table 6 show case 6.
Table 6
Case 6 shows the Asset Allocation result example corresponding to case 4, and in case 4, the user is it is contemplated that 45 years old gathers around
There is income $ 200,000, the priority of the investment objective is followed successively by children's education, opens shop, stock, bond from high to low, in this case
In example, the preferential children's education expense for meeting the 1st priority, so the degree of reaching for investing children's education in 45 years old and 60 years old is all
100%；According to priority orders, the proportion of capital allocation of target is reduced successively, so the user invested at 45 years old opens shop
Degree of reaching is 90%, and the degree of reaching of investment in stock is 50%, and the degree of reaching for investing house property is 1%；Identical, the user was at 60 years old
The degree of reaching that shop is opened in investment is 80%, and the degree of reaching of investment in stock is 40%, and the degree of reaching for investing house property is 30%.
Above-mentioned case 5 and case 6 are according to preconfigured correspondence, alternatively, preconfigured Asset Allocation pipe
Adjustment method, what is obtained is directed to the input matched Asset Allocation result of combined information.
Fig. 4 is a kind of structural schematic diagram of the device for asset management that the application one embodiment provides.With reference to Fig. 4, originally
The device of embodiment includes receiving module 410, acquisition module 420 and feedback module 430, wherein：
Receiving module 410 can be mobile phone, computer, a tablet computer for receiving current input combined information, or
Person's device interface；User inputs asset configuration information by receiving module 410.
Acquisition module 420 obtains and current for the correspondence according to pre-recorded input combined information and result
Input the matched result of combined information, wherein in correspondence to believe the result is that being combined by corresponding input according to preset algorithm
What breath was calculated.
Feedback module 430, for feeding back matched as a result, feeding back the result of feedback in user input interface.
About the device in above-described embodiment, wherein modules execute the concrete mode of operation in related this method
Embodiment in be described in detail, explanation will be not set forth in detail herein.
It is understood that same or similar part can mutually refer in the various embodiments described above, in some embodiments
Unspecified content may refer to same or analogous content in other embodiment.
It should be noted that in the description of the present application, term " first ", " second " etc. are used for description purposes only, without
It can be interpreted as indicating or implying relative importance.In addition, in the description of the present application, unless otherwise indicated, the meaning of " multiple "
Refer at least two.
Any process described otherwise above or method description are construed as in flow chart or herein, and expression includes
It is one or more for realizing specific logical function or process the step of executable instruction code module, segment or portion
Point, and the range of the preferred embodiment of the application includes other realization, wherein can not press shown or discuss suitable
Sequence, include according to involved function by it is basic simultaneously in the way of or in the opposite order, to execute function, this should be by the application
Embodiment person of ordinary skill in the field understood.
It should be appreciated that each section of the application can be realized with hardware, software, firmware or combination thereof.Above-mentioned
In embodiment, software that multiple steps or method can in memory and by suitable instruction execution system be executed with storage
Or firmware is realized.It, and in another embodiment, can be under well known in the art for example, if realized with hardware
Any one of row technology or their combination are realized：With the logic gates for realizing logic function to data-signal
Discrete logic, with suitable combinational logic gate circuit application-specific integrated circuit, programmable gate array (PGA), scene
Programmable gate array (FPGA) etc..
Those skilled in the art are appreciated that realize all or part of step that above-described embodiment method carries
Suddenly it is that relevant hardware can be instructed to complete by program, the program can be stored in a kind of computer-readable storage medium
In matter, which includes the steps that one or a combination set of embodiment of the method when being executed.
In addition, each functional unit in each embodiment of the application can be integrated in a processing module, it can also
That each unit physically exists alone, can also two or more units be integrated in a module.Above-mentioned integrated mould
The form that hardware had both may be used in block is realized, can also be realized in the form of software function module.The integrated module is such as
Fruit is realized in the form of software function module and when sold or used as an independent product, can also be stored in a computer
In read/write memory medium.
Storage medium mentioned above can be read-only memory, disk or CD etc..
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show
The description of example " or " some examples " etc. means specific features, structure, material or spy described in conjunction with this embodiment or example
Point is contained at least one embodiment or example of the application.In the present specification, schematic expression of the above terms are not
Centainly refer to identical embodiment or example.Moreover, particular features, structures, materials, or characteristics described can be any
One or more embodiments or example in can be combined in any suitable manner.
Although embodiments herein has been shown and described above, it is to be understood that above-described embodiment is example
Property, it should not be understood as the limitation to the application, those skilled in the art within the scope of application can be to above-mentioned
Embodiment is changed, changes, replacing and modification.
Claims (10)
1. a kind of method of asset management, which is characterized in that including：
Receive current input combined information；
According to the correspondence of pre-recorded input combined information and result, acquisition is matched with the current input combined information
Result, wherein it is in the correspondence the result is that being calculated by corresponding input combined information according to preset algorithm；
Feed back the matched result；
The preset algorithm includes：Analysis input combined information, is based on financial market uncertainty statistical modeling, passes through investment group
Structure module is closed, determines market optimizing decision.
2. assets management method according to claim 1, which is characterized in that described to combine letter according to pre-recorded input
The correspondence of breath and result obtains matched as a result, including with the input combined information：
If in pre-recorded correspondence, there are the current input combined informations, then obtain and the current input group
Close the corresponding result of information；Alternatively,
If in pre-recorded correspondence, the current input combined information is not present, then in the correspondence really
The fixed and current immediate input combined information of input combined information, and obtain and the immediate input combined information
Corresponding result.
3. assets management method according to claim 2, which is characterized in that the determination combines letter with the current input
Immediate input combined information is ceased, including：The current input combined information is combined into letter with the pre-recorded input
Breath is compared, and find out has the pre-recorded input of same or similar part to combine with the current input combined information
Information, and it is fed back to the immediate input combined information.
4. assets management method according to claim 2, which is characterized in that if in pre-recorded correspondence, no
There are the current input combined informations, then are calculated it using preset algorithm, and result is complemented to pre-recorded correspondence
In relationship.
5. assets management method according to claim 1, which is characterized in that further include：
Receive input combined information to be calculated；
If the input combined information to be calculated is multigroup, for every group of input combined information, preset algorithm is reused,
It calculates separately to obtain the corresponding result of every group of input combined information；Alternatively, being directed to multigroup input combined information, concurrent obtains
Corresponding result is combined in every group of input；
Every group of input combined information and corresponding result are recorded in the correspondence.
6. assets management method according to claim 5, which is characterized in that the input combined information packet to be calculated
It includes：The anticipated input combined information of configuration, alternatively, input combined information input by user.
7. assets management method according to claim 6, which is characterized in that further include：
According to the input combined information received anticipated input combined information is determined using data analysis or machine learning techniques.
8. assets management method according to claim 1, which is characterized in that the input combined information includes following information
In it is one or more：
Investment amount, investment time limit, the investment objective.
9. assets management method according to claim 8, which is characterized in that the investment objective further includes：Priority,
The target of importance for indicating to(for) user, wherein each target can start simultaneously at, but the target of high priority is enjoyed
More use of funds power.
10. a kind of device of asset management, which is characterized in that including：
Receiving module, for receiving current input combined information；
Acquisition module, for the correspondence according to pre-recorded input combined information and result, obtain with it is described currently defeated
Enter the matched result of combined information, wherein in the correspondence the result is that being combined by corresponding input according to preset algorithm
What information was calculated；
Feedback module, for feeding back the matched result.
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| US11386496B2 (en) | 2019-07-26 | 2022-07-12 | International Business Machines Corporation | Generative network based probabilistic portfolio management |
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