CN113256432B - Intelligent management method and system based on financial investment project - Google Patents
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Abstract
The invention discloses an intelligent management method and system based on financial investment projects, wherein the method is applied to a senior investment project management system, and comprises the following steps: obtaining first physical condition information and first economic source information of a first elderly user; obtaining first knowledge reserve information; constructing a first investment assessment questionnaire; obtaining first questionnaire feedback information according to the first body condition information, the first economic source information and the first knowledge reserve information so as to obtain a first risk tolerance of the first elderly user; obtaining a first investment project list according to the first initial funds; inputting the first investment project list into the senior investment project management system for management, obtaining first statistical benefits in a preset time period and judging whether a preset benefit threshold is met or not; if the item adjustment is not satisfied, the item adjustment is performed. The technical problems that an old investment management system is not intelligent enough and the safety is imperfect in the prior art are solved.
Description
Technical Field
The invention relates to the field of financial investment, in particular to an intelligent management method and system based on financial investment projects.
Background
With the development of financial science and technology, more and more functions can be directly realized on the internet or a mobile phone, and financial investment is an investment activity of purchasing financial assets for obtaining expected income funds, and the variety of products purchased in the investment process is various. Currently, there are many methods for controlling the flow of liquid. The risk investment of the elderly in China is lower, but the elderly have financial requirements facing the continuous increase of market economy and change and various expenditure, so the financial requirements of the elderly are the main hot spot along with the gradual increase of the aging in China.
However, in the process of implementing the technical scheme of the invention in the embodiment of the application, the inventor of the application finds that at least the following technical problems exist in the above technology:
in the prior art, the technical problems of insufficient intelligence and imperfect safety of the investment management system for the elderly exist.
Disclosure of Invention
According to the intelligent management method and system based on the financial investment project, the technical problems that an old person investment management system is not intelligent enough and safety is imperfect in the prior art are solved, the technical effects of optimizing the investment project management system by combining the needs of the old person are achieved, and the safety and the intelligence of the system are improved.
In view of the above problems, it is proposed that the embodiments of the present application provide an intelligent management method and system based on financial investment projects.
In a first aspect, an embodiment of the present application provides an intelligent management method based on a financial investment project, where the method is applied to an senior investment project management system, the method includes: obtaining first physical condition information and first economic source information of a first elderly user; obtaining first knowledge reserve information, wherein the first knowledge reserve information is knowledge of financial investment related knowledge of the first elderly user; constructing a first investment assessment questionnaire; obtaining first questionnaire feedback information according to the first body condition information, the first economic source information and the first knowledge reserve information; acquiring a first risk tolerance of the first elderly user according to the first questionnaire feedback information; obtaining a first investment project list according to the first initial funds; inputting the first investment project list into the senior investment project management system for management, and obtaining first statistical benefits in a first preset time period; judging whether the first statistical benefit meets a preset benefit threshold; and if the first statistical benefit does not meet a preset benefit threshold, adjusting according to the first risk tolerance.
In another aspect, the present application further provides an intelligent management system based on a financial investment project, the system including: a first obtaining unit for obtaining first physical condition information and first economic source information of a first elderly user; the second obtaining unit is used for obtaining first knowledge reserve information, wherein the first knowledge reserve information is knowledge of the first elderly user on financial investment related knowledge; a first construction unit for constructing a first investment assessment questionnaire; a third obtaining unit, configured to obtain first questionnaire feedback information according to the first body condition information, the first economic source information, and the first knowledge reserve information; the fourth obtaining unit is used for obtaining the first risk tolerance of the first elderly user according to the first questionnaire feedback information; a fifth obtaining unit for obtaining a first investment item list based on the first initial funds; the first input unit is used for inputting the first investment project list into the senior investment project management system for management, and obtaining a first statistical benefit in a first preset time period; the first judging unit is used for judging whether the first statistical benefit meets a preset benefit threshold value or not; and the first adjusting unit is used for adjusting according to the first risk receiving force if the first statistical benefit does not meet a preset benefit threshold.
In a third aspect, the present invention provides an intelligent management system based on a financial investment project, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the method of the first aspect when executing the program.
One or more technical solutions provided in the embodiments of the present application at least have the following technical effects or advantages:
according to the method, physical condition information and economic source information of a first elderly user and first knowledge reserve information of the first elderly user for financial investment are obtained, so that the information is used as a mode of inputting a first investment evaluation questionnaire, and judicial questionnaire feedback information is obtained, wherein integration and accumulation of different weights are carried out on the questionnaire feedback information, so that the receiving capability of the elderly user for financial investment related risks is obtained, a first investment project list is obtained according to a bootable flowing initial fund and is input into a management system for automatic management, and first statistical benefits are obtained through statistics of benefits of all projects in a first preset time period, and if the first statistical benefits do not meet expected benefit indexes, project adjustment is carried out according to the risk bearing capacity of the first elderly user, so that the technical effects of optimizing the investment project management system and improving the safety and intelligence of the system by combining the needs of the elderly are achieved.
The foregoing description is only an overview of the technical solutions of the present application, and may be implemented according to the content of the specification in order to make the technical means of the present application more clearly understood, and in order to make the above-mentioned and other objects, features and advantages of the present application more clearly understood, the following detailed description of the present application will be given.
Drawings
FIG. 1 is a schematic flow chart of an intelligent management method based on a financial investment project according to an embodiment of the application;
FIG. 2 is a schematic diagram of a financial investment project-based intelligent management system according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of an exemplary electronic device according to an embodiment of the present application.
Reference numerals illustrate: the device comprises a first obtaining unit 11, a second obtaining unit 12, a first constructing unit 13, a third obtaining unit 14, a fourth obtaining unit 15, a fifth obtaining unit 16, a first input unit 17, a first judging unit 18, a first adjusting unit 19, a bus 300, a receiver 301, a processor 302, a transmitter 303, a memory 304 and a bus interface 305.
Detailed Description
According to the intelligent management method and system based on the financial investment project, the technical problems that an old person investment management system is not intelligent enough and safety is imperfect in the prior art are solved, the technical effects of optimizing the investment project management system by combining the needs of the old person are achieved, and the safety and the intelligence of the system are improved. Hereinafter, example embodiments according to the present application will be described in detail with reference to the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application and not all of the embodiments of the present application, and it should be understood that the present application is not limited by the example embodiments described herein.
Summary of the application
With the development of financial science and technology, more and more functions can be directly realized on the internet or a mobile phone, and financial investment is an investment activity of purchasing financial assets for obtaining expected income funds, and the variety of products purchased in the investment process is various. Currently, there are many methods for controlling the flow of liquid. The risk investment of the elderly in China is lower, but the elderly have financial requirements facing the continuous increase of market economy and change and various expenditure, so the financial requirements of the elderly are the main hot spot along with the gradual increase of the aging in China. However, the prior art has the technical problems that the investment management system for the old is not intelligent enough and the safety is imperfect.
Aiming at the technical problems, the technical scheme provided by the application has the following overall thought:
the embodiment of the application provides an intelligent management method based on financial investment projects, which is applied to a senior investment project management system and comprises the following steps: obtaining first physical condition information and first economic source information of a first elderly user; obtaining first knowledge reserve information, wherein the first knowledge reserve information is knowledge of financial investment related knowledge of the first elderly user; constructing a first investment assessment questionnaire; obtaining first questionnaire feedback information according to the first body condition information, the first economic source information and the first knowledge reserve information; acquiring a first risk tolerance of the first elderly user according to the first questionnaire feedback information; obtaining a first investment project list according to the first initial funds; inputting the first investment project list into the senior investment project management system for management, and obtaining first statistical benefits in a first preset time period; judging whether the first statistical benefit meets a preset benefit threshold; and if the first statistical benefit does not meet a preset benefit threshold, adjusting according to the first risk tolerance.
Having described the basic principles of the present application, various non-limiting embodiments of the present application will now be described in detail with reference to the accompanying drawings.
Example 1
As shown in fig. 1, an embodiment of the present application provides an intelligent management method based on a financial investment project, where the method includes:
step S100: obtaining first physical condition information and first economic source information of a first elderly user;
specifically, the first physical condition information is basic physical conditions of the first elderly user, including information of gender, age, past medical history, health degree, whether there is a coronary disease or hypertension, and the like of the user; the first economic source is the basic economic fund condition of the first elderly user, such as the support fee, retirement fee, and the acquired pension insurance fee of the child, so as to know the physical condition and economic source of the first elderly user, provide a reference basis for further financial investment, and further accurately evaluate physical dimension and fund dimension.
Step S200: obtaining first knowledge reserve information, wherein the first knowledge reserve information is knowledge of financial investment related knowledge of the first elderly user;
Specifically, the first knowledge storage information can distinguish the current financial investment capability of the first elderly user, wherein the financial investment related knowledge includes different types of investment products and characteristics thereof, and differences among investment modes, investment time and investment products, and meanwhile, a certain noun cognitive capability is required to be provided, in the embodiment, no deep requirement is provided, the basic simple knowledge of the investment is defined, so that by checking whether the first elderly user has the cognitive capability of the certain investment, investment is prevented from being performed due to unaware, and loss is avoided, and therefore, the management of financial investment projects is convenient to set after knowledge dimension assessment according to the first knowledge storage information.
Step S300: constructing a first investment assessment questionnaire;
specifically, the first investment evaluation questionnaire is a questionnaire which needs to be subjected to information evaluation before logging in the senior investment project management system, wherein the first investment evaluation questionnaire is constructed according to a multi-dimensional evaluation index, so that the information of the first senior user obtained before is input into the investment evaluation questionnaire, and the old user mostly has hyperopia in the process of constructing the evaluation questionnaire, so that after basic questionnaire questions, options and other questionnaire information are constructed, text setting, such as text size, thickening and the like, is further performed, and the questionnaire of the senior user is personalized and customized according to the characteristics of the senior user, so that the use experience of the user is improved.
Step S400: obtaining first questionnaire feedback information according to the first body condition information, the first economic source information and the first knowledge reserve information;
step S500: acquiring a first risk tolerance of the first elderly user according to the first questionnaire feedback information;
specifically, the process of obtaining the feedback information of the first questionnaire refers to inputting the information of the first elderly user obtained before into an investment assessment questionnaire, performing intelligent sorting on the information, and correspondingly inputting the information into an assessment questionnaire problem related to an assessment index, obtaining feedback information corresponding to options, wherein different options correspond to different points and have a certain integral rule, so that the integral degree of the first user can be obtained according to the feedback information of the first questionnaire, in detail, the process of inputting the information can be completed in a sequential selection mode, and also can be selected in a jump mode, wherein the non-selected questions are not scored, so that weight analysis is performed according to the scores of the first elderly user in all dimensions, the scores of each grade correspond to each risk receiving force due to the different grades, and finally the first risk receiving force is obtained according to the final scores, thereby achieving the technical effect of determining the direction of the investment items based on the basic characteristics of the user.
Step S600: obtaining a first investment project list according to the first initial funds;
specifically, the first initial fund is a flowing fund available for investment by the first elderly user, wherein the initial fund is a part of a fund sum, a robust investment proportion is determined by analyzing all the fund sums, and then the fund available for carrying out financial investment is determined according to the robust investment proportion, and an item capable of carrying out investment is selected according to the existing fund condition.
Step S700: inputting the first investment project list into the senior investment project management system for management, and obtaining first statistical benefits in a first preset time period;
specifically, the senior investment project management system is a process of comprehensively managing all projects, wherein each investment project in the first investment project list performs statistical calculation of profits according to a self-profit mode, the first statistical profits are finally obtained, the statistical profits are obtained through statistical data in a first preset time, in detail, the first preset time is a preset time period of a user, the numerical value of the first preset time period can be changed according to the self-requirement of the user, and then statistics is performed, and the first statistical profits can be sent to the first senior user through connected mobile equipment, so that the technical effect of monitoring the project profits in real time is achieved.
Step S800: judging whether the first statistical benefit meets a preset benefit threshold;
step S900: and if the first statistical benefit does not meet a preset benefit threshold, adjusting according to the first risk tolerance.
Specifically, the preset benefit threshold is the expected benefit of the first user, after judging whether the first statistical benefit meets the preset benefit threshold, a first difference threshold between the preset benefit threshold and the first statistical benefit is obtained, if the first difference threshold is not large, an adjustable instruction is obtained, and then the project is adjusted according to the affordable risk capability of the first elderly user, the risk is small but the benefit is small for the elderly user, if the benefit is to be improved, a small part of funds can be properly used for risk investment to obtain corresponding benefit, so that the technical effect of optimizing an investment project management system in combination with the own needs of the elderly is achieved, and the intelligence of the system is improved.
Further, the embodiment of the application further includes:
step S1010: obtaining a first adding instruction, wherein the first adding instruction is used for the first elderly user to autonomously add collaborative personnel;
Step S1020: adding a first collaborative manager into the investment project management system according to the first adding instruction;
step S1030: according to the first elderly user, a first safety coefficient of the first collaborative manager is obtained;
step S1040: and determining the first management authority of the first collaborative manager according to the first safety coefficient.
Specifically, a first collaborative person for the senior investment project management is added according to the first adding instruction, the first collaborative person can be a family person with certain financial investment knowledge, and also can be a related technician with higher trust, wherein the adding of the first collaborative person can increase the operation safety for the system and improve the flexibility of the system management, the first safety coefficient is based on the identity information of the first collaborative person and the safety degree determined by the first senior user, so that the management authority of the first collaborative person is limited, such as the operation of transferring funds into and out of the first senior user, the danger of the user such as private account information is frequently queried, and further the technical effects of refining the manager and improving the system safety are achieved.
Further, if the first statistical benefit does not meet the preset benefit threshold, the step S900 further includes:
Step S910: if the first statistical benefit does not meet a preset benefit threshold, judging whether the first risk tolerance is in a preset risk tolerance threshold;
step S920: if the first risk acceptance force is in the preset risk acceptance force threshold value, a first adjustable coefficient is obtained;
step S930: obtaining second adjustable coefficients of the first collaborative manager and the first associated user;
step S940: inputting the first adjustable coefficient and the second adjustable coefficient into an adjustment judgment model to obtain a first adjustment judgment result, wherein the first adjustment judgment result comprises allowable adjustment and unallowable adjustment;
step S950: if the first adjustment judging result is that adjustment is allowed, a first adjustment instruction is obtained;
step S960: and adjusting the first investment project according to the first adjustment instruction.
Specifically, when the first statistical benefit does not meet the preset benefit threshold, the first statistical benefit is performed in the process of performing adjustment, namely whether the risk tolerance of the first elderly user can bear a further increased risk investment project is judged first, wherein the preset risk tolerance threshold is a condition that whether the first elderly user cannot bear the first statistical benefit is calculated, if the first elderly user has sufficient funds or better physical condition information, the tolerance performance is stronger, and then a first adjustable coefficient is determined according to the bearing state of the first elderly user, wherein the adjustable coefficient is a coefficient representing that project adjustment can be performed smoothly, and simultaneously, a collaborative manager and a child analyze again to obtain the second adjustable coefficient. According to the method, analysis and calculation are carried out according to the two coefficients, a final logic judgment result is determined, if an instruction for allowing adjustment is obtained, a small part of risk investment can be carried out to increase benefits, in detail, in the process of inputting the coefficients into an adjustment judgment model, the adjustment judgment model further carries out refinement calculation on the two coefficients, wherein a certain calculation rule is followed in the calculation process, and further an accurate judgment result is obtained, so that the adjustment process has executable data, the result can be obtained through scientific analysis, and the technical effect of improving the safety of the elderly users in executing the system is further achieved.
Further, step S300 in the embodiment of the present application further includes:
step S310: obtaining a multi-dimensional evaluation index, wherein the multi-dimensional evaluation index comprises a first evaluation index, a second evaluation index and a third evaluation index;
step S320: obtaining first questionnaire information according to the first evaluation index, the second evaluation index and the third evaluation index;
step S330: obtaining a first integral rule, wherein the first integral rule implements a five-point evaluation system and has an integral accumulation function;
step S340: constructing the first investment assessment questionnaire according to the first questionnaire information and the first integration rule;
step S350: obtaining a second preset time period;
step S360: and obtaining second questionnaire feedback information according to the second preset time period.
Specifically, the first evaluation index represents a physical index, the second evaluation index represents a fund index, and the third evaluation index represents a knowledge index, and specifically, the physical index specifically comprises various specific information such as emotion change, physical influence, emotion dysphoria or impatience, psychological evaluation and the like; the fund index is related index for determining economic level, such as specific information of fixed asset, variable asset, liquidity asset, rated income and the like; knowledge indexes detect knowledge level information, including basic knowledge degree, invested items, product categories and the like. And then, according to the three evaluation indexes, establishing the related questionnaire questions and related option information of the first investment evaluation questionnaire, wherein the first point rule is a rule for accumulating points for corresponding options, and further, realizing a five-point evaluation system, namely, determining scores according to the degree of answers, comprising accumulation of negative numbers and positive numbers, so as to construct a rule system of the first investment evaluation questionnaire, thereby completing the construction of the first investment evaluation questionnaire, wherein the construction process further comprises multiple detail information, such as word size, interface color, jump mode and the like, can be completed by means of related templates, and the attractiveness and convenience are increased. The second preset time period is a preset time period for updating user evaluation, and in popular terms, the second evaluation is performed again at regular intervals, and because a great amount of funds are paid out or information about repayment and the like is received in the continuous advance of time, the user evaluation needs to be updated in time, so that project management is performed more accurately.
Further, the obtaining the second adjustable coefficient of the first collaborative manager and the first associated user, in embodiment S930 of the present application further includes:
step S931: obtaining first associated user information of the first elderly user, wherein the first associated user comprises a first intimate user and a second intimate user;
step S932: obtaining a first influence coefficient of the first intimate user on the first elderly user;
step S933: obtaining a second influence coefficient of the second intimate user on the first elderly user;
step S934: obtaining a first influence degree according to the first influence coefficient and the second influence coefficient;
step S935: obtaining a second influence of the first collaborative manager;
step S936: and obtaining the second adjustable coefficient according to the first influence degree and the second influence degree.
Specifically, the first associated user is a close associated user of the first elderly user and is a family close relationship, wherein the close relationship between different people and the elderly user is different, the first elderly user is obtained to contact two persons in close front, such as son and grandchild, further, two conclusion information is obtained respectively through analysis and reference of the adjusted items by two persons of son and grandchild, according to different reference bias of the influence degree of the son and grandchild on the user, the first influence degree of the first associated user is obtained, and the second influence degree of the first collaborative manager is obtained, wherein the reference influence degree is larger than that of the associated user due to the fact that the first collaborative manager has related financial investment knowledge, the comprehensive analysis is carried out on the result according to the reference weight value, the second adjustable coefficient is determined, and due to calculation rules of the second adjustable coefficient, the calculation result has a certain scientificity, and the technical effect of optimizing the management system is achieved.
Further, before the obtaining the first investment item list according to the first initial fund, the embodiment S600 of the present application further includes:
step S610: obtaining a second adding instruction, wherein the second adding instruction is used for the first elderly user to autonomously add an investment project;
step S620: obtaining first added item information according to the second added instruction;
step S630: inputting the first added item information into a security analysis model to obtain a second security coefficient;
step S640: judging whether the second safety coefficient is in a preset safety coefficient threshold value or not;
step S650: and if the second safety coefficient is not in the preset safety coefficient threshold value, obtaining a first addition failure instruction.
Specifically, the second security coefficient is taken as the supervision data. And inputting each group of training data, performing supervised learning on the first added item information, wherein the security analysis model is trained by taking a neural network model as a prototype building model, the neural network is an operation model formed by interconnecting a large number of nodes (or called neurons), and the output of the network is expressed according to a logic strategy of a network connection mode. Furthermore, the training process is essentially a supervised learning process, each set of supervised data includes the first added item information and identification information for identifying the second safety coefficient, the neural network model performs continuous self-correction and adjustment until the obtained output result is consistent with the identification information, and the data supervised learning process is ended and the next set of data supervised learning process is performed. And when the output information of the neural network model reaches the preset accuracy rate/reaches a convergence state, ending the supervised learning process. Therefore, the safety of the first added item is determined according to the output accurate safety coefficient, the phenomenon that the investment is cheated due to lack of relevant investment knowledge is prevented, the safety of the first old user funds is ensured, the item is intelligently identified, and the technical effects of safety and intelligence of a system are further improved.
Further, the embodiment of the application further includes:
step S1110: converting the first statistical benefit result into first text output information;
step S1120: storing the first text output information into a corpus information base in the voice dialogue system;
step S1130: obtaining a first voice output instruction, wherein the first voice output instruction is used for outputting a first statistical benefit result through voice;
step S1140: according to the first voice output instruction, first voice information of the first elderly user is obtained;
step S1150: and sending the first voice information to the voice dialogue system to output second voice information.
Specifically, for the purpose of providing convenience for the first elderly user, the elderly project management system is further connected with another voice dialogue system, so that corpus information related to the elderly project management system is stored according to a multi-round dialogue mode, and further a question library and an answer library of the multi-round dialogue are realized, and then the voice dialogue is performed. Furthermore, in the embodiment of the present application, by taking the first statistical benefit to perform a voice recognition dialogue as a feature to perform an example, the embodiment of the present application includes the voice output of the first statistical benefit result, but not limited to the voice dialogue, so as to further optimize the investment project management system by combining the needs of the elderly, and improve the technical effects of system security and intelligence.
In summary, the intelligent management method and system based on the financial investment project provided by the embodiment of the application have the following technical effects:
1. according to the method, physical condition information and economic source information of a first elderly user and first knowledge reserve information of the first elderly user for financial investment are obtained, so that the information is used as a mode of inputting a first investment evaluation questionnaire, and judicial questionnaire feedback information is obtained, wherein integration and accumulation of different weights are carried out on the questionnaire feedback information, so that the receiving capability of the elderly user for financial investment related risks is obtained, a first investment project list is obtained according to a bootable flowing initial fund and is input into a management system for automatic management, and first statistical benefits are obtained through statistics of benefits of all projects in a first preset time period, and if the first statistical benefits do not meet expected benefit indexes, project adjustment is carried out according to the risk bearing capacity of the first elderly user, so that the technical effects of optimizing the investment project management system and improving the safety and intelligence of the system by combining the needs of the elderly are achieved.
2. The first added item information is input into the safety analysis model and then output by the training model, so that a second safety coefficient is obtained, wherein the safety analysis model can continuously optimize learning and obtain experience to process more accurate mathematics and special data, so that the obtained safety coefficient has accuracy, and the technical effect of optimizing the management system and improving safety is achieved.
Example two
Based on the same inventive concept as the intelligent management method based on financial investment project in the foregoing embodiment, the present invention also provides an intelligent management system based on financial investment project, as shown in fig. 2, the system includes:
a first obtaining unit 11, the first obtaining unit 11 being configured to obtain first physical condition information and first economic source information of a first elderly user;
a second obtaining unit 12, where the second obtaining unit 12 is configured to obtain first knowledge storage information, where the first knowledge storage information is knowledge about financial investment related knowledge of the first elderly user;
a first construction unit 13, the first construction unit 13 being configured to construct a first investment assessment questionnaire;
a third obtaining unit 14, wherein the third obtaining unit 14 is configured to obtain first questionnaire feedback information according to the first physical status information, the first economic source information and the first knowledge reserve information;
a fourth obtaining unit 15, where the fourth obtaining unit 15 is configured to obtain, according to the first questionnaire feedback information, a first risk tolerance of the first elderly user;
a fifth obtaining unit 16, the fifth obtaining unit 16 being configured to obtain a first investment item list based on a first initial fund;
A first input unit 17, where the first input unit 17 is configured to input the first investment project list into the senior investment project management system for management, and obtain a first statistical benefit in a first preset time period;
a first judging unit 18, where the first judging unit 18 is configured to judge whether the first statistical benefit meets a preset benefit threshold;
the first adjusting unit 19 is configured to adjust the first risk tolerance according to the first risk tolerance if the first statistical benefit does not meet a preset benefit threshold.
Further, the system further comprises:
a sixth obtaining unit, configured to obtain a first adding instruction, where the first adding instruction is used for the first elderly user to autonomously add collaborative personnel;
the first adding unit is used for adding a first collaborative manager into the investment project management system according to the first adding instruction;
a seventh obtaining unit configured to obtain a first security coefficient of the first collaborative manager according to the first elderly user;
the first determining unit is used for determining a first management authority of the first collaborative manager according to the first safety coefficient.
Further, the system further comprises:
the second judging unit is used for judging whether the first risk tolerance is in a preset risk tolerance threshold value or not if the first statistical benefit does not meet the preset benefit threshold value;
an eighth obtaining unit configured to obtain a first adjustable coefficient if the first risk acceptance force is within the preset risk acceptance force threshold;
a ninth obtaining unit for obtaining second adjustable coefficients of the first collaborative manager and the first associated user;
the second input unit is used for inputting the first adjustable coefficient and the second adjustable coefficient into an adjustment judgment model to obtain a first adjustment judgment result, wherein the first adjustment judgment result comprises allowable adjustment and unallowable adjustment;
a tenth obtaining unit, configured to obtain a first adjustment instruction if the first adjustment determination result is that adjustment is permitted;
and the second adjusting unit is used for adjusting the first investment project according to the first adjusting instruction.
Further, the system further comprises:
An eleventh obtaining unit configured to obtain a multi-dimensional evaluation index, where the multi-dimensional evaluation index includes a first evaluation index, a second evaluation index, and a third evaluation index;
a twelfth obtaining unit for obtaining first questionnaire information according to the first evaluation index, the second evaluation index, and the third evaluation index;
a thirteenth obtaining unit configured to obtain a first integration rule, where the first integration rule implements a five-point evaluation system and has an integration accumulation function;
a second construction unit for constructing the first investment evaluation questionnaire according to the first questionnaire information and the first integration rule;
a fourteenth obtaining unit configured to obtain a second preset period of time;
a fifteenth obtaining unit, configured to obtain second questionnaire feedback information according to the second preset time period.
Further, the system further comprises:
a sixteenth obtaining unit configured to obtain first associated user information of the first elderly user, wherein the first associated user includes a first intimate user and a second intimate user;
A seventeenth obtaining unit, configured to obtain a second leakage content threshold value if the first leakage content does not reach the preset leakage content threshold value;
an eighteenth obtaining unit configured to obtain a first influence coefficient of the first intimate user on the first elderly user;
a nineteenth obtaining unit configured to obtain a second influence coefficient of the second intimate user on the first elderly user;
a twentieth obtaining unit configured to obtain a first influence degree according to the first influence coefficient and the second influence coefficient;
a twenty-first obtaining unit configured to obtain a second influence degree of the first collaborative manager;
a twenty-second obtaining unit, configured to obtain the second adjustable coefficient according to the first influence degree and the second influence degree.
Further, the system further comprises:
a twenty-third obtaining unit for obtaining a second addition instruction for the first senior user to autonomously add an investment project;
A twenty-fourth obtaining unit, configured to obtain first addition item information according to the second addition instruction;
the third input unit is used for inputting the first added item information into a security analysis model to obtain a second security coefficient;
the third judging unit is used for judging whether the second safety coefficient is in a preset safety coefficient threshold value or not;
a twenty-fifth obtaining unit, configured to obtain a first add failure instruction if the second security coefficient is not in a preset security coefficient threshold.
Further, the system further comprises:
the first conversion unit is used for converting the first statistic benefit result into first text output information;
the first storage unit is used for storing the first text output information into a corpus information base in the voice dialogue system;
a twenty-sixth obtaining unit configured to obtain a first voice output instruction, where the first voice output instruction is used to output a first statistical benefit result through voice;
A twenty-seventh obtaining unit, configured to obtain, according to the first voice output instruction, first voice information of the first elderly user;
the first sending unit is used for sending the first voice information to the voice dialogue system to output second voice information.
The foregoing various modifications and embodiments of the intelligent management method based on a financial investment project in the first embodiment of fig. 1 are equally applicable to the intelligent management system based on a financial investment project in this embodiment, and those skilled in the art will clearly know the implementation method of the intelligent management system based on a financial investment project in this embodiment through the foregoing detailed description of the intelligent management method based on a financial investment project, so that they will not be described in detail herein for brevity of description.
Exemplary electronicsApparatus and method for controlling the operation of a device
An electronic device of an embodiment of the present application is described below with reference to fig. 3.
Fig. 3 illustrates a schematic structural diagram of an electronic device according to an embodiment of the present application.
Based on the inventive concept of a financial investment project based intelligent management method as in the previous embodiments, the present invention also provides a financial investment project based intelligent management system, on which a computer program is stored, which when executed by a processor, implements the steps of any of the foregoing financial investment project based intelligent management methods.
Where in FIG. 3 a bus architecture (represented by bus 300), bus 300 may comprise any number of interconnected buses and bridges, with bus 300 linking together various circuits, including one or more processors, represented by processor 302, and memory, represented by memory 304. Bus 300 may also link together various other circuits such as peripheral devices, voltage regulators, power management circuits, etc., as are well known in the art and, therefore, will not be described further herein. Bus interface 305 provides an interface between bus 300 and receiver 301 and transmitter 303. The receiver 301 and the transmitter 303 may be the same element, i.e. a transceiver, providing a means for communicating with various other systems over a transmission medium.
The processor 302 is responsible for managing the bus 300 and general processing, while the memory 304 may be used to store data used by the processor 302 in performing operations.
The embodiment of the invention provides an intelligent management method based on financial investment projects, which is applied to a senior investment project management system and comprises the following steps: obtaining first physical condition information and first economic source information of a first elderly user; obtaining first knowledge reserve information, wherein the first knowledge reserve information is knowledge of financial investment related knowledge of the first elderly user; constructing a first investment assessment questionnaire; obtaining first questionnaire feedback information according to the first body condition information, the first economic source information and the first knowledge reserve information; acquiring a first risk tolerance of the first elderly user according to the first questionnaire feedback information; obtaining a first investment project list according to the first initial funds; inputting the first investment project list into the senior investment project management system for management, and obtaining first statistical benefits in a first preset time period; judging whether the first statistical benefit meets a preset benefit threshold; if the first statistical benefit does not meet the preset benefit threshold, the first risk receiving force is adjusted, so that the technical problems that an old investment management system is not intelligent enough and the safety is imperfect in the prior art are solved, and the technical effects of optimizing the investment project management system by combining the needs of the old are achieved, and the safety and the intelligence of the system are improved.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a system for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks. While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.
Claims (6)
1. An intelligent management method based on financial investment projects, the method being applied to a senior investment project management system, the method comprising:
Obtaining first physical condition information and first economic source information of a first elderly user;
obtaining first knowledge reserve information, wherein the first knowledge reserve information is knowledge of financial investment related knowledge of the first elderly user;
constructing a first investment assessment questionnaire;
obtaining first questionnaire feedback information according to the first body condition information, the first economic source information and the first knowledge reserve information;
acquiring a first risk receiving force of the first elderly user according to the first questionnaire feedback information, wherein the first questionnaire feedback information is obtained by inputting information of the first elderly user into an investment evaluation questionnaire, carrying out intelligent sorting on the information, and further correspondingly inputting the information into evaluation questionnaire problems related to evaluation indexes, so as to obtain feedback information corresponding to options;
obtaining a first investment project list according to a first initial fund, wherein the first initial fund is a flowing fund available for investment by the first elderly user;
inputting the first investment project list into the senior investment project management system for management, and obtaining first statistical benefits in a first preset time period, wherein the first preset time is a time period preset by a user;
Judging whether the first statistical benefit meets a preset benefit threshold, wherein the preset benefit threshold is expected benefit of the first elderly user;
if the first statistical benefit does not meet a preset benefit threshold, adjusting according to the first risk tolerance;
wherein if the first statistical benefit does not meet the preset benefit threshold, adjusting according to the first risk tolerance includes:
if the first statistical benefit does not meet a preset benefit threshold, judging whether the first risk tolerance is in the preset risk tolerance threshold or not, wherein the preset risk tolerance threshold is a condition that whether the first elderly user cannot bear the first risk tolerance threshold or not due to calculation of benefit loss of risk projects;
if the first risk acceptance force is within the preset risk acceptance force threshold, the first elderly user has sufficient funds or good physical condition information, and a first adjustable coefficient is obtained according to the acceptance force state;
obtaining second adjustable coefficients of the first collaborative manager and the first associated user;
inputting the first adjustable coefficient and the second adjustable coefficient into an adjustment judgment model to obtain a first adjustment judgment result, wherein the first adjustment judgment result comprises allowable adjustment and unallowable adjustment;
If the first adjustment judging result is that adjustment is allowed, a first adjustment instruction is obtained;
according to the first adjustment instruction, adjusting the first investment project;
wherein the obtaining the second adjustable coefficients of the first collaborative manager and the first associated user comprises:
obtaining first associated user information of the first elderly user, wherein the first associated user comprises a first intimate user and a second intimate user;
obtaining a first influence coefficient of the first intimate user on the first elderly user;
obtaining a second influence coefficient of the second intimate user on the first elderly user;
obtaining a first influence degree according to the first influence coefficient and the second influence coefficient;
obtaining a second influence of the first collaborative manager;
obtaining the second adjustable coefficient according to the first influence degree and the second influence degree;
the method further comprises the steps of:
obtaining a multi-dimensional evaluation index, wherein the multi-dimensional evaluation index comprises a first evaluation index, a second evaluation index and a third evaluation index, the first evaluation index represents a physical index, the second evaluation index represents a fund index, the third evaluation index represents a knowledge index, and the physical index specifically comprises various specific information of emotion change, physical influence, emotion dysphoria or impatience and psychological evaluation; the fund index is a relevant index for determining the economic level, and comprises a fixed asset, a variable asset, a liquidity asset and a rated income; the knowledge index detects knowledge level information including basic knowledge degree, invested items and product category information;
Obtaining first questionnaire information according to the first evaluation index, the second evaluation index and the third evaluation index;
obtaining a first integral rule, wherein the first integral rule implements a five-point evaluation system and has an integral accumulation function;
constructing the first investment assessment questionnaire according to the first questionnaire information and the first integration rule;
obtaining a second preset time period;
and obtaining second questionnaire feedback information according to the second preset time period.
2. The method of claim 1, wherein the method further comprises:
obtaining a first adding instruction, wherein the first adding instruction is used for the first elderly user to autonomously add collaborative personnel;
adding a first collaborative manager into the investment project management system according to the first adding instruction;
according to the first elderly user, a first safety coefficient of the first collaborative manager is obtained;
and determining the first management authority of the first collaborative manager according to the first safety coefficient.
3. The method of claim 1, wherein the method further comprises, prior to obtaining the first list of investment items based on the first initial funds:
obtaining a second adding instruction, wherein the second adding instruction is used for the first elderly user to autonomously add an investment project;
Obtaining first added item information according to the second added instruction;
inputting the first added item information into a security analysis model to obtain a second security coefficient;
judging whether the second safety coefficient is in a preset safety coefficient threshold value or not;
and if the second safety coefficient is not in the preset safety coefficient threshold value, obtaining a first addition failure instruction.
4. The method of claim 1, wherein the investment project management system is coupled to a voice dialog system, the method further comprising:
converting the first statistical benefit result into first text output information;
storing the first text output information into a corpus information base in the voice dialogue system;
obtaining a first voice output instruction, wherein the first voice output instruction is used for outputting a first statistical benefit result through voice;
according to the first voice output instruction, first voice information of the first elderly user is obtained;
and sending the first voice information to the voice dialogue system to output second voice information.
5. An intelligent management system based on financial investment projects, wherein the system comprises:
a first obtaining unit for obtaining first physical condition information and first economic source information of a first elderly user;
The second obtaining unit is used for obtaining first knowledge reserve information, wherein the first knowledge reserve information is knowledge of the first elderly user on financial investment related knowledge;
a first construction unit for constructing a first investment assessment questionnaire;
a third obtaining unit, configured to obtain first questionnaire feedback information according to the first body condition information, the first economic source information, and the first knowledge reserve information;
the fourth obtaining unit is used for obtaining a first risk receiving force of the first elderly user according to the first questionnaire feedback information, wherein the first questionnaire feedback information is obtained by inputting information of the first elderly user into an investment evaluation questionnaire, performing intelligent sorting on the information, and further inputting the information into evaluation questionnaire problems related to evaluation indexes correspondingly;
a fifth obtaining unit, configured to obtain a first investment item list according to a first initial fund, where the first initial fund is a flowing fund available for investment by the first elderly user;
The first input unit is used for inputting the first investment project list into an aged investment project management system for management, and obtaining first statistical benefits in a first preset time period, wherein the first preset time is a time period preset by a user;
the first judging unit is used for judging whether the first statistical benefit meets a preset benefit threshold, wherein the preset benefit threshold is expected benefit of the first elderly user;
the first adjusting unit is used for adjusting according to the first risk tolerance if the first statistical benefit does not meet a preset benefit threshold;
the second judging unit is used for judging whether the first risk receiving force is in a preset risk receiving force threshold value or not if the first statistical benefit does not meet the preset benefit threshold value, wherein the preset risk receiving force threshold value is a condition that whether the first elderly user cannot bear the first risk receiving force due to calculation of risk project benefit loss or not;
the eighth obtaining unit is configured to obtain a first adjustable coefficient according to a bearing state of the first elderly user if the first risk receiving force is within the preset risk receiving force threshold value, and the first elderly user has sufficient funds or good physical condition information;
A ninth obtaining unit for obtaining second adjustable coefficients of the first collaborative manager and the first associated user;
the second input unit is used for inputting the first adjustable coefficient and the second adjustable coefficient into an adjustment judgment model to obtain a first adjustment judgment result, wherein the first adjustment judgment result comprises allowable adjustment and unallowable adjustment;
a tenth obtaining unit, configured to obtain a first adjustment instruction if the first adjustment determination result is that adjustment is permitted;
the second adjusting unit is used for adjusting the first investment project according to the first adjusting instruction;
an eleventh obtaining unit, configured to obtain a multi-dimensional evaluation index, where the multi-dimensional evaluation index includes a first evaluation index, a second evaluation index, and a third evaluation index, the first evaluation index represents a physical index, the second evaluation index represents a fund index, the third evaluation index represents a knowledge index, and the physical index specifically includes specific information of emotion change, physical influence, emotion agitation or impatience, and psychological evaluation; the fund index is a relevant index for determining the economic level, and comprises a fixed asset, a variable asset, a liquidity asset and a rated income; the knowledge index detects knowledge level information including basic knowledge degree, invested items and product category information;
A twelfth obtaining unit for obtaining first questionnaire information according to the first evaluation index, the second evaluation index, and the third evaluation index;
a thirteenth obtaining unit configured to obtain a first integration rule, where the first integration rule implements a five-point evaluation system and has an integration accumulation function;
a second construction unit for constructing the first investment evaluation questionnaire according to the first questionnaire information and the first integration rule;
a fourteenth obtaining unit configured to obtain a second preset period of time;
a fifteenth obtaining unit, configured to obtain second questionnaire feedback information according to the second preset time period;
a sixteenth obtaining unit configured to obtain first associated user information of the first elderly user, wherein the first associated user includes a first intimate user and a second intimate user;
an eighteenth obtaining unit configured to obtain a first influence coefficient of the first intimate user on the first elderly user;
A nineteenth obtaining unit configured to obtain a second influence coefficient of the second intimate user on the first elderly user;
a twentieth obtaining unit configured to obtain a first influence degree according to the first influence coefficient and the second influence coefficient;
a twenty-first obtaining unit configured to obtain a second influence degree of the first collaborative manager;
a twenty-second obtaining unit, configured to obtain the second adjustable coefficient according to the first influence degree and the second influence degree.
6. An intelligent management system based on financial investment projects, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the method of any one of claims 1-4 when the program is executed by the processor.
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