CN111899109A - Asset management method and device, readable storage medium and computing equipment - Google Patents
Asset management method and device, readable storage medium and computing equipment Download PDFInfo
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- CN111899109A CN111899109A CN202010739231.XA CN202010739231A CN111899109A CN 111899109 A CN111899109 A CN 111899109A CN 202010739231 A CN202010739231 A CN 202010739231A CN 111899109 A CN111899109 A CN 111899109A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The invention discloses an asset management method, an asset management device, a readable storage medium and computing equipment, wherein the asset management method comprises the following steps: determining a risk tolerance level of a user; comparing the standard asset configuration corresponding to the risk tolerance level with the current asset configuration of the user; and determining whether to adjust the current asset configuration according to the comparison result. According to the invention, the user is automatically guided to optimize the own assets by using artificial intelligence and big data analysis methods, so that the problem that the asset profitability and stability of users with different preferences are greatly uncertain due to unreasonable configuration or unreasonable optimization of the assets after the user using the floating financing product app purchases the financing product is solved.
Description
Technical Field
The invention relates to the technical field of internet, in particular to an asset management method, an asset management device, a readable storage medium and computing equipment.
Background
The existing financing product APP judges the risk bearing capacity of the user according to the questionnaire filled by the user, and recommends the financing product suitable for the risk bearing capacity of the user. The existing artificial intelligence and recommendation algorithm technology is mainly used for recommending products to users and carrying out primary judgment on the quality of the recommended products.
However, the rationality of the current configuration scheme is not judged in real time for factors such as the change of the purchased user assets along with the market conditions, the change of the user targets and the like. If the judgment is carried out in a simple mode based on indexes and the like, the rationality and the effective optimization suggestion and guidance method for asset allocation according to the characteristics of each large class of assets are not detailed in an artificial intelligence mode.
Disclosure of Invention
To solve at least one of the above technical problems, the present disclosure provides an asset management method, apparatus, readable storage medium, and computing device.
In a first aspect, the present invention provides an asset management method, comprising:
determining a risk tolerance level of a user;
comparing the standard asset configuration corresponding to the risk tolerance level with the current asset configuration of the user;
and determining whether to adjust the current asset configuration according to the comparison result.
Optionally, the comparing the standard asset configuration corresponding to the risk tolerance level with the current asset configuration of the user includes:
calculating a standard configuration proportion corresponding to the standard asset configuration and a current configuration proportion corresponding to the current asset configuration;
obtaining the conformity of the current configuration proportion relative to the standard configuration proportion according to the standard configuration proportion and the current configuration proportion;
the determining whether to adjust the current asset configuration according to the comparison result includes:
judging whether the conformity is larger than a preset threshold value, if so, adjusting the current asset configuration; otherwise, the current asset configuration is not adjusted.
Alternatively, the conformity is calculated by the following formula,
S＝(S1+S2)/2
S1＝vd1×bs
vd1＝|r2-r1|
S2＝(vd2×bs)/ht
wherein S is conformity; r is1Configuring proportion for the standard; r is2Configuring the proportion for the current; bsA base attenuation value; h istIs the volatility threshold; viIs the volatility of the assets of the ith class.
Optionally, the asset management method further includes:
presenting the current asset configuration to a user;
and when the conformity is larger than a preset threshold value, sending prompt information for adjusting the current asset configuration to a user.
In a second aspect, the present invention provides an asset management device comprising: an exposure level determining module, an asset allocation comparing module and an asset allocation adjusting module, wherein,
the bearing level determining module is used for determining the risk bearing capacity level of the user;
the asset allocation comparison module is used for comparing the standard asset allocation corresponding to the risk tolerance level with the current asset allocation of the user;
and the asset configuration adjusting module is used for determining whether to adjust the current asset configuration according to the comparison result.
Optionally, the asset configuration comparison module includes: a proportion calculation unit and a conformity calculation unit are arranged, wherein,
the configuration proportion calculating unit is used for calculating a standard configuration proportion corresponding to the standard asset configuration and a current configuration proportion corresponding to the current asset configuration;
the conformity degree calculation unit is used for obtaining the conformity degree of the current configuration proportion relative to the standard configuration proportion according to the standard configuration proportion and the current configuration proportion;
the asset configuration adjusting module is specifically used for judging whether the conformity is greater than a preset threshold value, and if so, adjusting the current asset configuration; otherwise, the current asset configuration is not adjusted.
Alternatively, the conformity is calculated by the following formula,
S＝(S1+S2)/2
S1＝vd1×bs
vd1＝|r2-r1|
S2＝(vd2×bs)/ht
wherein S is conformity; r is1Configuring proportion for the standard; r is2Configuring the proportion for the current; bsA base attenuation value; h istIs the volatility threshold; viIs the volatility of the assets of the ith class.
Optionally, the asset management device further comprises: an asset status display module and an adjustment reminding module, wherein,
the asset state display module is used for displaying the current asset configuration to a user;
and the adjustment reminding module is used for sending prompt information for adjusting the current asset configuration to a user when the conformity is greater than a preset threshold value.
In a third aspect, the present invention provides a readable storage medium having executable instructions thereon that, when executed, cause a computer to perform the operations as comprised in the first aspect.
In a fourth aspect, the present invention provides a computing device comprising: one or more processors, memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors to perform the operations included in the first aspect.
Compared with the prior art, the invention has at least the following beneficial effects:
according to the invention, the user is automatically guided to optimize the own assets by using artificial intelligence and big data analysis methods, so that the problem that the asset profitability and stability of users with different preferences are greatly uncertain due to unreasonable configuration or unreasonable optimization of the assets after the user using the floating financing product app purchases the financing product is solved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.
FIG. 1 is a schematic flow diagram of a method for asset management according to an embodiment of the present invention;
fig. 2 is a block diagram of an asset management device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer and more complete, the technical solutions in the embodiments of the present invention will be described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention, and based on the embodiments of the present invention, all other embodiments obtained by a person of ordinary skill in the art without creative efforts belong to the scope of the present invention.
As shown in fig. 1, an embodiment of the present invention provides an asset management method, which includes the following steps:
determining a risk tolerance level of a user;
comparing the standard asset configuration corresponding to the risk tolerance level with the current asset configuration of the user;
and determining whether to adjust the current asset configuration according to the comparison result.
In the embodiment, the user is automatically guided to optimize the own assets by using artificial intelligence and a big data analysis method, so that the problem that the asset profitability and stability of different preference users have great uncertainty due to unreasonable configuration of the assets or no reasonable optimization after the user using the floating financing product app purchases the financing product is solved.
The risk tolerance level of the user can be determined by calling a risk preference questionnaire preset in a database and determining the risk tolerance of the user and the corresponding level according to the answer of the user to the questionnaire. Each risk tolerance level corresponds to a standard asset configuration. The user can adjust the risk bearing capacity level in a self-verification mode, a self-acceptance mode and other modes.
In an embodiment of the present invention, the comparing the standard asset configuration corresponding to the risk tolerance level with the current asset configuration of the user includes:
calculating a standard configuration proportion corresponding to the standard asset configuration and a current configuration proportion corresponding to the current asset configuration;
obtaining the conformity of the current configuration proportion relative to the standard configuration proportion according to the standard configuration proportion and the current configuration proportion;
the determining whether to adjust the current asset configuration according to the comparison result includes:
judging whether the conformity is larger than a preset threshold value, if so, adjusting the current asset configuration; otherwise, the current asset configuration is not adjusted.
The degree of agreement is calculated by the following formula,
S＝(S1+S2)/2
S1＝vd1×bs
vd1＝|r2-r1|
S2＝(vd2×bs)/ht
wherein S is conformity; r is1Configuring proportion for the standard; r is2Configuring the proportion for the current; bsAdjusting the basic attenuation value according to actual requirements; h istThe fluctuation rate threshold value is adjusted according to actual requirements and can be obtained by historical data analysis; viIs the volatility of the assets of the ith class. For the convenience of writing formulas, S in the formula1、S2、vd1And vd2As an intermediary, it is not defined herein.
In this embodiment, the volatility threshold can be calculated by big data, and the standard allocation proportion can be measured to minimize the error in tracking at the same level of hand-changing rate and hand-changing times, and the assets with big volatility need to reduce the score quickly even if the proportion is not big. For the assets with small fluctuation rate, even if the proportion has larger deviation, the influence on the whole profit is not so large, the immediate adjustment is not needed, otherwise, the frequent adjustment can increase the hand-changing rate and the hand-changing times and can influence the profit condition of the whole configuration scheme, and therefore, the hand-changing rate and the times need to be ensured while the tracking error is minimum. According to the invention, on the premise that the handoff rate and frequency are lowest and the error of tracking the optimal configuration proportion is smallest, the asset configuration optimization is completed by a user through a simple and visual display mode, and the maximum income is achieved.
In the embodiment, the standard asset allocation is to make allocation based on the large-class assets, the current asset allocation is to select the fund corresponding to the large-class assets from the corresponding fund pool according to the allocation proportion of the large-class assets for purchase, and the purchase amount of the user is according to the purchase amount of the userThe actual funds purchased may be different, the actual shares purchased may be different due to the different funds held after purchase, and the actual share of the large class of assets will be inconsistent as the daily net value of funds is updated, resulting in a change in the current asset allocation and current allocation proportions. Asset allocation proportions, including standard allocation proportions and current allocation proportions in the present disclosure, may be obtained by blackliterman asset allocation model calculations. The large categories of assets include, in various embodiments, one or more of chinese stocks, chinese bonds, american shares, port shares, gold, currency, and the like. ViThe fluctuation rate of the ith type of asset also refers to the fluctuation rate of the ith type of asset in the large type of asset, and the fluctuation rate of the ith type of asset may be a standard deviation of the profitability of the ith type of asset within a preset time period. The preset time period can be set according to actual conditions, such as the past half year, the past year and the like. Threshold value h of fluctuation ratetDetermined by the asset class included in the standard asset configuration, may be obtained from historical data analysis.
In one embodiment of the present invention, the asset management method further comprises:
presenting the current asset configuration to a user;
and when the conformity is larger than a preset threshold value, sending prompt information for adjusting the current asset configuration to a user.
In the embodiment, when the conformity between the current configuration proportion of the user and the standard configuration proportion is lower than a certain threshold value, the conformity condition can be automatically displayed in the financial product APP and displayed to the user in the form of numbers and characters. Meanwhile, the configuration proportion optimization can be automatically carried out by the contact user, and the specific contact mode comprises the following steps: push, short message, voice telephone, manual telephone, APP inner spring frame, WeChat and other modes, and different touch modes can be provided according to different conformity of the current configuration proportion. After receiving the touch, the user can automatically complete the adjustment from the current configuration proportion to the standard configuration proportion through the bin adjusting function provided in the financial product APP. And the user can adjust the current configuration proportion by actively purchasing or redeeming or warehousing.
As shown in fig. 2, the present invention provides an asset management device including: an exposure level determining module, an asset allocation comparing module and an asset allocation adjusting module, wherein,
the bearing level determining module is used for determining the risk bearing capacity level of the user;
the asset allocation comparison module is used for comparing the standard asset allocation corresponding to the risk tolerance level with the current asset allocation of the user;
and the asset configuration adjusting module is used for determining whether to adjust the current asset configuration according to the comparison result.
In one embodiment of the invention, the asset allocation comparison module comprises: a proportion calculation unit and a conformity calculation unit are arranged, wherein,
the configuration proportion calculating unit is used for calculating a standard configuration proportion corresponding to the standard asset configuration and a current configuration proportion corresponding to the current asset configuration;
the conformity degree calculation unit is used for obtaining the conformity degree of the current configuration proportion relative to the standard configuration proportion according to the standard configuration proportion and the current configuration proportion;
the asset configuration adjusting module is specifically used for judging whether the conformity is greater than a preset threshold value, and if so, adjusting the current asset configuration; otherwise, the current asset configuration is not adjusted.
In one embodiment of the invention, the conformity is calculated by,
S＝(S1+S2)/2
S1＝vd1×bs
vd1＝|r2-r1|
S2＝(vd2×bs)/ht
wherein S is conformity;r1configuring proportion for the standard; r is2Configuring the proportion for the current; bsA base attenuation value; h istIs the volatility threshold; viIs the volatility of the assets of the ith class.
In one embodiment of the present invention, the asset management device further includes: an asset status display module and an adjustment reminding module, wherein,
the asset state display module is used for displaying the current asset configuration to a user;
and the adjustment reminding module is used for sending prompt information for adjusting the current asset configuration to a user when the conformity is greater than a preset threshold value.
The information interaction, execution process and other contents between the modules and units in the device are based on the same concept as the method embodiment of the present invention, and specific contents can be referred to the description in the method embodiment of the present invention, and are not described herein again.
It should be understood that the various techniques described herein may be implemented in connection with hardware or software or, alternatively, with a combination of both. Thus, the methods and apparatus of the present invention, or certain aspects or portions thereof, may take the form of program code (i.e., instructions) embodied in tangible media, such as floppy diskettes, CD-ROMs, hard drives, or any other machine-readable storage medium, wherein, when the program is loaded into and executed by a machine, such as a computer, the machine becomes an apparatus for practicing the invention.
In the case of program code execution on programmable computers, the computing device will generally include a processor, a storage medium readable by the processor (including volatile and non-volatile memory and/or storage elements), at least one input device, and at least one output device. Wherein the memory is configured to store program code; the processor is configured to perform the various methods of the present invention according to instructions in the program code stored in the memory.
By way of example, and not limitation, computer readable media may comprise computer storage media and communication media. Computer-readable media includes both computer storage media and communication media. Computer storage media store information such as computer readable instructions, data structures, program modules or other data. Communication media typically embodies computer readable instructions, data structures, program modules or other data in a modulated data signal such as a carrier wave or other transport mechanism and includes any information delivery media. Combinations of any of the above are also included within the scope of computer readable media.
It should be appreciated that in the foregoing description of exemplary embodiments of the invention, various features of the invention are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the invention and aiding in the understanding of one or more of the various inventive aspects. However, the method of the invention should not be construed to reflect the intent: that the invention as claimed requires more features than are expressly recited in each claim. Rather, as the following claims reflect, inventive aspects lie in less than all features of a single foregoing inventive embodiment. Thus, the claims following the detailed description are hereby expressly incorporated into this detailed description, with each claim standing on its own as a separate embodiment of this invention.
Those skilled in the art will appreciate that the modules or units or components of the apparatus in the examples invented herein may be arranged in an apparatus as described in this embodiment or alternatively may be located in one or more apparatuses different from the apparatus in this example. The modules in the foregoing examples may be combined into one module or may be further divided into multiple sub-modules.
Those skilled in the art will appreciate that the modules in the device in an embodiment may be adaptively changed and disposed in one or more devices different from the embodiment. The modules or units or components of the embodiments may be combined into one module or unit or component, and furthermore they may be divided into a plurality of sub-modules or sub-units or sub-components. All of the features of the invention in this specification (including any accompanying claims, abstract and drawings), and all of the processes or elements of any method or apparatus so invented, may be combined in any combination, except combinations where at least some of such features and/or processes or elements are mutually exclusive. Each feature of the invention in this specification (including any accompanying claims, abstract and drawings) may be replaced by alternative features serving the same, equivalent or similar purpose, unless expressly stated otherwise.
Furthermore, those skilled in the art will appreciate that while some embodiments described herein include some features included in other embodiments, rather than other features, combinations of features of different embodiments are meant to be within the scope of the invention and form different embodiments. For example, in the following claims, any of the claimed embodiments may be used in any combination.
Furthermore, some of the described embodiments are described herein as a method or combination of method elements that can be performed by a processor of a computer system or by other means of performing the described functions. A processor having the necessary instructions for carrying out the method or method elements thus forms a means for carrying out the method or method elements. Further, the elements of the apparatus embodiments described herein are examples of the following apparatus: the apparatus is used to implement the functions performed by the elements for the purpose of carrying out the invention.
As used herein, unless otherwise specified the use of the ordinal adjectives "first", "second", "third", etc., to describe a common object, merely indicate that different instances of like objects are being referred to, and are not intended to imply that the objects so described must be in a given sequence, either temporally, spatially, in ranking, or in any other manner.
While the invention has been described with respect to a limited number of embodiments, those skilled in the art, having benefit of this description, will appreciate that other embodiments can be devised which do not depart from the scope of the invention as described herein. Furthermore, it should be noted that the language used in the specification has been principally selected for readability and instructional purposes, and may not have been selected to delineate or circumscribe the inventive subject matter. Accordingly, many modifications and variations will be apparent to those of ordinary skill in the art without departing from the scope and spirit of the appended claims. The present invention is to be considered as illustrative and not restrictive in character, with the scope of the invention being indicated by the appended claims.
Claims (10)
1. An asset management method, characterized in that the asset management method comprises:
determining a risk tolerance level of a user;
comparing the standard asset configuration corresponding to the risk tolerance level with the current asset configuration of the user;
and determining whether to adjust the current asset configuration according to the comparison result.
2. The asset management method according to claim 1,
comparing the standard asset configuration corresponding to the risk tolerance level with the current asset configuration of the user includes:
calculating a standard configuration proportion corresponding to the standard asset configuration and a current configuration proportion corresponding to the current asset configuration;
obtaining the conformity of the current configuration proportion relative to the standard configuration proportion according to the standard configuration proportion and the current configuration proportion;
the determining whether to adjust the current asset configuration according to the comparison result includes:
judging whether the conformity is smaller than a preset threshold value, if so, adjusting the current asset configuration; otherwise, the current asset configuration is not adjusted.
3. The asset management method according to claim 2, wherein said conformity is calculated by the following formula,
S＝(S1+S2)/2
S1＝vd1×bs
vd1＝|r2-r1|
S2＝(vd2×bs)/ht
wherein S is conformity; r is1Configuring proportion for the standard; r is2Configuring the proportion for the current; bsA base attenuation value; h istIs the volatility threshold; viIs the volatility of the assets of the ith class.
4. The asset management method according to claim 2, characterized in that the asset management method further comprises:
presenting the current asset configuration to a user;
and when the conformity is smaller than a preset threshold value, sending prompt information for adjusting the current asset configuration to a user.
5. An asset management device, characterized by comprising: an exposure level determining module, an asset allocation comparing module and an asset allocation adjusting module, wherein,
the bearing level determining module is used for determining the risk bearing capacity level of the user;
the asset allocation comparison module is used for comparing the standard asset allocation corresponding to the risk tolerance level with the current asset allocation of the user;
and the asset configuration adjusting module is used for determining whether to adjust the current asset configuration according to the comparison result.
6. The asset management device according to claim 5,
the asset configuration comparison module comprises: a proportion calculation unit and a conformity calculation unit are arranged, wherein,
the configuration proportion calculating unit is used for calculating a standard configuration proportion corresponding to the standard asset configuration and a current configuration proportion corresponding to the current asset configuration;
the conformity degree calculation unit is used for obtaining the conformity degree of the current configuration proportion relative to the standard configuration proportion according to the standard configuration proportion and the current configuration proportion;
the asset configuration adjusting module is specifically used for judging whether the conformity is smaller than a preset threshold value, and if so, adjusting the current asset configuration; otherwise, the current asset configuration is not adjusted.
7. The asset management device according to claim 6, wherein said conformity is calculated by the following equation,
S＝(S1+S2)/2
S1＝vd1×bs
vd1＝|r2-r1|
S2＝(vd2×bs)/ht
wherein S is conformity; r is1Configuring proportion for the standard; r is2Configuring the proportion for the current; bsA base attenuation value; h istIs the volatility threshold; viIs the volatility of the assets of the ith class.
8. The asset management device according to claim 6, further comprising: an asset status display module and an adjustment reminding module, wherein,
the asset state display module is used for displaying the current asset configuration to a user;
and the adjustment reminding module is used for sending prompt information for adjusting the current asset configuration to a user when the conformity is greater than a preset threshold value.
9. A readable storage medium having executable instructions thereon that, when executed, cause a computer to perform the operations included in any of claims 1-4.
10. A computing device, comprising: one or more processors, memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors to perform the operations included in any of claims 1-4.
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