CN113706309A - Investment risk assessment method and system based on artificial intelligence - Google Patents
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Abstract
The invention discloses an investment risk assessment method and system based on artificial intelligence, which obtains project analysis information according to project information and preset project analysis rules; obtaining analysis data according to the project analysis information; obtaining a project analysis result according to the analysis data and a preset project analysis rule; obtaining user analysis information according to the first user information and the project information; generating a first user project analysis questionnaire according to the user analysis information and the project analysis information; analyzing the questionnaire according to the first user project to obtain a first user evaluation result; inputting the first user evaluation result and the project analysis result into a project risk matching model to obtain a first risk matching result; and generating a first user investment risk assessment report according to the first risk matching result, the project analysis result and the first user assessment result. The method solves the technical problems that in the prior art, people lack targeted risk assessment and guidance when investment selection is carried out, and blind investment and investment decision are difficult.
Description
Technical Field
The invention relates to the technical field of data analysis, in particular to an investment risk assessment method and system based on artificial intelligence.
Background
Along with the expansion of the stock and bond market in China, commercial banks and retail businesses are increasingly enriched and the general income of citizens rises year by year, and the concept of 'financing' is gradually pretty. The investment financing means that investors manage and distribute personal, family and enterprise assets by reasonably arranging funds and using investment financing tools such as savings, bank financing products, bonds, funds, stocks, futures, commodity spot stocks, foreign exchanges, real estate, insurance, gold, P2P, culture and artworks and the like, thereby achieving the purpose of value preservation and increment and accelerating the growth of the assets. Nowadays, the investment is more and more popular, people hope to use the hand funds to make the investment to achieve a certain return, but the investment is risky, and how to evaluate the risk is most important for people to make the investment choice. Especially for the public, the fund is not suitable for being accumulated on hand, and the reliable risk assessment is made, so that the correct investment selection can be made.
However, in the process of implementing the technical solution of the invention in the embodiments of the present application, the inventors of the present application find that the above-mentioned technology has at least the following technical problems:
in the prior art, people lack targeted risk assessment and guidance when selecting investment, and the technical problems of blind investment and difficult investment decision are existed.
Disclosure of Invention
The embodiment of the application provides an investment risk assessment method and system based on artificial intelligence, and solves the technical problems that in the prior art, when investment selection is carried out by people, targeted risk assessment and guidance are lacked, and blind investment and investment decision making are difficult.
In view of the foregoing problems, the embodiments of the present application provide an investment risk assessment method and system based on artificial intelligence.
In a first aspect, an embodiment of the present application provides an investment risk assessment method based on artificial intelligence, where the method includes: acquiring project information; obtaining a preset project analysis rule; acquiring project analysis information according to the project information and the preset project analysis rule; obtaining analysis data according to the project analysis information; obtaining a project analysis result according to the analysis data and the preset project analysis rule; obtaining first user information; obtaining user analysis information according to the first user information and the project information; generating a first user project analysis questionnaire according to the user analysis information and the project analysis information; analyzing a questionnaire according to the first user project to obtain a first user evaluation result; inputting the first user evaluation result and the project analysis result into a project risk matching model to obtain a first risk matching result; and generating a first user investment risk assessment report according to the first risk matching result, the project analysis result and the first user assessment result.
In another aspect, the present application further provides an investment risk assessment system based on artificial intelligence, the system comprising:
a first obtaining unit configured to obtain item information;
a second obtaining unit, configured to obtain a preset project analysis rule;
a third obtaining unit, configured to obtain project analysis information according to the project information and the preset project analysis rule;
a fourth obtaining unit configured to obtain analysis data according to the item analysis information;
a fifth obtaining unit, configured to obtain a project analysis result according to the analysis data and the preset project analysis rule;
a sixth obtaining unit configured to obtain first user information;
a seventh obtaining unit, configured to obtain user analysis information according to the first user information and the item information;
the first questionnaire unit is used for generating a first user project analysis questionnaire according to the user analysis information and the project analysis information;
an eighth obtaining unit, configured to analyze a questionnaire according to the first user item to obtain a first user evaluation result;
the first execution unit is used for inputting the first user evaluation result and the project analysis result into a project risk matching model to obtain a first risk matching result;
and the first reporting unit is used for generating a first user investment risk assessment report according to the first risk matching result, the project analysis result and the first user assessment result.
In a third aspect, the present invention provides an artificial intelligence based investment risk assessment system, 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 have at least the following technical effects or advantages:
the embodiment of the application provides an investment risk assessment method and system based on artificial intelligence, and project information is obtained; obtaining a preset project analysis rule; acquiring project analysis information according to the project information and the preset project analysis rule; obtaining analysis data according to the project analysis information; obtaining a project analysis result according to the analysis data and the preset project analysis rule; obtaining first user information; obtaining user analysis information according to the first user information and the project information; generating a first user project analysis questionnaire according to the user analysis information and the project analysis information; analyzing a questionnaire according to the first user project to obtain a first user evaluation result; inputting the first user evaluation result and the project analysis result into a project risk matching model to obtain a first risk matching result; and generating a first user investment risk assessment report according to the first risk matching result, the project analysis result and the first user assessment result. The method comprises the steps of summarizing a matching degree of a condition of a first user and a current investment project, namely a first risk matching result, a risk assessment result corresponding to project information, namely a project analysis result, and a risk assessment result obtained according to corresponding questionnaire content provided by the first user, namely the first user assessment result, to generate a final investment risk assessment report of the first user, wherein the user can know the risk condition of the current project, know whether the self condition is suitable for the current investment project, and determine the current self investment assessment condition, so that correct investment selection is made, effective investment risk assessment more suitable for the self condition is obtained, and the technical problems that in the prior art, when people perform investment selection, targeted risk assessment and guidance are lacked, and blind investment and investment decision making are difficult are solved. The method and the system achieve the technical effects that the targeted risk assessment is carried out according to the personal investment condition of the user and the project information, the risk assessment is not carried out from the project, the relevance analysis of the relevant factors fitting different personal characteristics is added, the assessment effect of the personal risk condition is better met, reliable investment guidance can be provided for the user, and the efficiency and the accuracy of data analysis are improved by using artificial intelligence.
The foregoing description is only an overview of the technical solutions of the present application, and the present application can be implemented according to the content of the description in order to make the technical means of the present application more clearly understood, and the following detailed description of the present application is given in order to make the above and other objects, features, and advantages of the present application more clearly understandable.
Drawings
FIG. 1 is a schematic flow chart of an investment risk assessment method based on artificial intelligence according to an embodiment of the present application;
FIG. 2 is a schematic structural diagram of an investment risk assessment system based on artificial intelligence 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.
Description of reference numerals: a first obtaining unit 11, a second obtaining unit 12, a third obtaining unit 13, a fourth obtaining unit 14, a fifth obtaining unit 15, a sixth obtaining unit 16, a seventh obtaining unit 17, a first questionnaire unit 18, an eighth obtaining unit 19, a first execution unit 20, a first reporting unit 21, a bus 300, a receiver 301, a processor 302, a transmitter 303, a memory 304, and a bus interface 305.
Detailed Description
The embodiment of the application provides an investment risk assessment method and system based on artificial intelligence, and solves the technical problems that in the prior art, when investment selection is carried out by people, targeted risk assessment and guidance are lacked, and blind investment and investment decision making are difficult. The method and the system achieve the technical effects that the targeted risk assessment is carried out according to the personal investment condition of the user and the project information, the risk assessment is not carried out from the project, the relevance analysis of the relevant factors fitting different personal characteristics is added, the assessment effect of the personal risk condition is better met, reliable investment guidance can be provided for the user, and the efficiency and the accuracy of data analysis are improved by using artificial intelligence. 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 merely some embodiments of the present application and not all embodiments of the present application, and it should be understood that the present application is not limited to the example embodiments described herein.
Summary of the application
Along with the expansion of the stock and bond market in China, commercial banks and retail businesses are increasingly enriched and the general income of citizens rises year by year, and the concept of 'financing' is gradually pretty. The investment financing means that investors manage and distribute personal, family and enterprise assets by reasonably arranging funds and using investment financing tools such as savings, bank financing products, bonds, funds, stocks, futures, commodity spot stocks, foreign exchanges, real estate, insurance, gold, P2P, culture and artworks and the like, thereby achieving the purpose of value preservation and increment and accelerating the growth of the assets. Nowadays, the investment is more and more popular, people hope to use the hand funds to make the investment to achieve a certain return, but the investment is risky, and how to evaluate the risk is most important for people to make the investment choice. Especially for the public, the fund is not suitable for being accumulated on hand, and the reliable risk assessment is made, so that the correct investment selection can be made. However, in the prior art, people lack targeted risk assessment and guidance when making investment selection, and the technical problems of blind investment and difficult investment decision exist.
In view of the above technical problems, the technical solution provided by the present application has the following general idea:
acquiring project information; obtaining a preset project analysis rule; acquiring project analysis information according to the project information and the preset project analysis rule; obtaining analysis data according to the project analysis information; obtaining a project analysis result according to the analysis data and the preset project analysis rule; obtaining first user information; obtaining user analysis information according to the first user information and the project information; generating a first user project analysis questionnaire according to the user analysis information and the project analysis information; analyzing a questionnaire according to the first user project to obtain a first user evaluation result; inputting the first user evaluation result and the project analysis result into a project risk matching model to obtain a first risk matching result; and generating a first user investment risk assessment report according to the first risk matching result, the project analysis result and the first user assessment result. The method and the system achieve the technical effects that the targeted risk assessment is carried out according to the personal investment condition of the user and the project information, the risk assessment is not carried out from the project, the relevance analysis of the relevant factors fitting different personal characteristics is added, the assessment effect of the personal risk condition is better met, reliable investment guidance can be provided for the user, and the efficiency and the accuracy of data analysis are improved by using artificial intelligence.
Having thus described the general principles of the present application, various non-limiting embodiments thereof will now be described in detail with reference to the accompanying drawings.
Example one
As shown in fig. 1, an embodiment of the present application provides an investment risk assessment method based on artificial intelligence, including:
the analysis process and algorithm of the embodiments of the present application is developed using artificial intelligence technology, which is understood to be a branch of computer science, a new technology science that attempts to understand the essence of intelligence and produce a new intelligent machine that can react in a manner similar to human intelligence, including robotics, language recognition, image recognition, natural language processing, and expert systems, etc., and to develop and develop theories, methods, techniques, and application systems for simulating, extending, and expanding human intelligence. Since the birth of artificial intelligence, theories and technologies become mature day by day, and application fields are expanded continuously, so that science and technology products brought by the artificial intelligence in the future can be assumed to be 'containers' of human intelligence. The artificial intelligence can simulate the information process of human consciousness and thinking. Artificial intelligence is not human intelligence, but can think like a human, and can also exceed human intelligence. The main material basis for researching artificial intelligence and the machine capable of realizing the artificial intelligence technology platform are computers, and the development history of the artificial intelligence is connected with the development history of computer science and technology. In addition to computer science, artificial intelligence also relates to the multi-disciplines of information theory, cybernetics, automation, bionics, biology, psychology, mathematical logic, linguistics, medicine, philosophy, and the like. The main contents of the artificial intelligence subject research comprise: knowledge representation, automatic reasoning and searching methods, machine learning and knowledge acquisition, knowledge processing systems, natural language understanding, computer vision, intelligent robots, automatic programming, and the like.
Step S100: acquiring project information;
specifically, the project information of the planned investment is input through data scanning, or the project information is input through network links, or manually, so that different project conditions can be met.
Step S200: obtaining a preset project analysis rule;
specifically, the preset project analysis rules are the current project analysis contents and relevant regulations of investment projects, financial products and the like which are input in advance, the preset project analysis rules can be added and deleted to ensure the comprehensive coverage of the rules, information extraction can be carried out through big data, the information contents of financial webpages, industry forums and the like are screened in real time to obtain the contents related to the analysis rules, the contents are compared with the contents in the preset project analysis rules, and the contents are updated and supplemented, or manual addition can be carried out, and manual addition is carried out through a background. Or the artificial intelligence technology is used for information input, rule customization and the like, and the artificial intelligence technology can also be used for processing in the process of extracting and analyzing the network information, so that the efficiency and the accuracy of information processing are improved.
Step S300: acquiring project analysis information according to the project information and the preset project analysis rule;
further, in the step S300 of obtaining the project analysis information according to the project information and the preset project analysis rule, in the embodiment of the present application, the project analysis information is obtained by:
step S310: acquiring project attributes according to the project information;
step S320: acquiring project grade information according to the project information and the project attributes;
step S330: acquiring project elements according to the project level information and the project attributes;
step S340: and determining the project analysis information according to the project elements.
Specifically, the project basic data in the project information is matched with the content in the preset project analysis rule to obtain the project analysis rule meeting the data requirement in the project information, and the investment risk of the project information can be evaluated through the matched project analysis information. The method comprises the steps of firstly determining project attributes such as investment types of stocks, real estate, startup, credit and the like through project information, determining the project level according to investment rules, investment scale and investment size in the project information, determining influence factors of the project as project elements by using the project attributes and the project level information, determining the influence factors of the project as the project elements according to the project attributes and the investment income, determining more detailed analysis and refinement of the project elements according to different project attributes and different elements influencing risks, and finally determining project analysis information according to the determined contents of the project elements, wherein the project analysis information is the content of the project which needs to be analyzed for risk assessment, and the risk assessment condition of the project is determined through the analysis of the project elements.
Step S400: obtaining analysis data according to the project analysis information;
further, in the step S400 of obtaining analysis data according to the project analysis information in the embodiment of the present application, the step S includes:
step S410: acquiring a project data type according to the project analysis information;
step S420: obtaining data source information according to the project data type;
step S430: acquiring a data security requirement according to the data source information;
step S440: acquiring a data acquisition path according to the data source information and the data security requirement;
step S450: obtaining analysis information requirements according to the project analysis information;
step S460: and obtaining the analysis data according to the analysis information requirement and the data acquisition way.
Specifically, the analysis data is obtained by performing data retrieval according to the determined project analysis information, for example, analysis of a macro economic policy, deposit rate and deposit-credit ratio of a current bank, etc. need to be performed in the project analysis information, corresponding analysis requirements in the project analysis information need to be established on data analysis, data information needed for analysis, such as central data of last three years, financial index of last year, etc., are determined according to requirements in the project analysis information, a collection source of the project data type is determined according to a data type corresponding to the analysis requirements in the project analysis information, such as data obtained from government officials, data obtained through a bank system and market transaction data, different data sources correspond to different collection methods, such as data collection through big data collection, background entry, etc., and different data security requirements are corresponding to the sources of the data collection, if the official publishing data is high in reliability and high in safety, if the collection is carried out by searching and extracting big data according to keywords, the requirement on the safety is high, a way meeting the requirement on the safety is selected from websites capable of collecting the data according to the safety requirement, and finally the corresponding analysis data is obtained according to the requirement in the project analysis information and the determined collection way.
Step S500: obtaining a project analysis result according to the analysis data and the preset project analysis rule;
specifically, the influence is calculated according to the collected analysis data and the corresponding preset project analysis rule, and a project analysis result based on the project information and the related data, namely a risk assessment result of the project, is obtained.
Step S600: obtaining first user information;
specifically, the first user information is information of a subject user who invests, and personal data, an investment target, an investment requirement, personal information, a financial investment status, an asset held, a fund allocation status, and the like of the user.
Step S700: obtaining user analysis information according to the first user information and the project information;
further, in the step S700 of obtaining user analysis information according to the first user information and the item information in the embodiment of the present application, the step S includes:
step S710: acquiring a first user investment target according to the first user information;
step S720: obtaining an investment budget of a first user;
step S730: acquiring budget source information according to the investment budget of the first user;
step S740: acquiring budget evaluation influence information according to the budget source information;
step S750: acquiring first associated information according to the budget source information and the project information;
step S760: obtaining evaluation associated information according to the first associated information;
step S770: acquiring investment evaluation information according to the first user investment target and the project information;
step S780: and obtaining the user analysis information according to the budget evaluation influence information, the evaluation correlation information and the investment evaluation information.
Specifically, it is determined which aspects need to be analyzed according to the situation of the first user in combination with the content in the project information according to the information of the investment target, the investment budget, the fund source, and the like of the first user information, and mainly according to which investment means the first user adopts and what investment purpose needs to be achieved, corresponding analysis of different contents is performed according to different requirements and the investment situation, so as to meet the risk assessment of the personal characteristics of the user, rather than the wide risk assessment, and the requirement of the personal investment risk assessment cannot be met. For example, some users invest real estate with sufficient funds, some users need to sell existing houses for replacement, some user funds are stock accounts, some user sources are bank dates, or some user foreign exchanges, and the like, so that different situations correspond to different influencing factors, how to evaluate investment risk cannot be performed only for the project itself, and the investment needs to be comprehensively evaluated by analyzing a certificate market, even analyzing stocks, and combining the investment situation of the project information according to the specific situation of the user, if the user needs to sell the stocks for investment. If the user's funds come from the real estate, the real estate also needs to be analyzed and then comprehensively evaluated in combination with the project information, which information needs to be analyzed is determined according to the specific situation of the user, and the analysis elements and the analysis content are used as user analysis information.
Step S800: generating a first user project analysis questionnaire according to the user analysis information and the project analysis information;
step S900: analyzing a questionnaire according to the first user project to obtain a first user evaluation result;
specifically, a project analysis questionnaire corresponding to the user is generated according to the content and the type in the user analysis information, the project analysis questionnaire of the embodiment of the application includes different types of questionnaire content, and different selection projects are provided according to the difference of the questionnaire content, such as content entry, entry data source, asset photos, and the like. And analyzing according to corresponding data provided by the first user according to requirements in the project analysis questionnaire, and also performing data analysis and calculation processing by using artificial intelligence to obtain a corresponding first user evaluation result.
Step S1000: inputting the first user evaluation result and the project analysis result into a project risk matching model to obtain a first risk matching result;
further, the step S1000 in this embodiment of the present application includes inputting the first user evaluation result and the project analysis result into a project risk matching model to obtain a first risk matching result:
step S1010: taking the first user evaluation result as first input information;
step S1020: taking the item analysis result as second input information;
step S1030: inputting the first input information and the second input information into a project risk matching model, wherein the project risk matching model is obtained by training multiple sets of training data, and each set of the multiple sets of training data comprises: the first input information, the second input information, and identification information identifying the first risk matching result;
step S1040: and obtaining output information of the project risk matching model, wherein the output information comprises the first risk matching result.
Specifically, a first user evaluation result is compared with a project analysis result of an investment project, whether a current investment project, namely project information, meets a first user or whether a current investment mode intended by the current first user is met is analyzed, if the current investment project and the project information meet the current investment project, the current investment project or the current planned financing condition meets the current investment project, otherwise, the current investment project or the current planned financing condition is not suitable, the project evaluation and the investment proposal for the user are provided for decision reference of the user, in order to improve the accuracy of the analysis result, a Neural network model is constructed and processed in the embodiment of the application, a mathematical model is used for operation processing to improve the operation speed and improve the accuracy of the extraction result, the project risk matching model is a Neural network model in machine learning, and a Neural Network (NN) is composed of a large number of, Simple processing units (called neurons) are widely interconnected to form a complex neural network system, which reflects many basic features of human brain functions and is a highly complex nonlinear dynamical learning system. Neural network models are described based on mathematical models of neurons. Artificial Neural Networks (Artificial Neural Networks) are a description of the first-order properties of the human brain system. Briefly, it is a mathematical model. And inputting the first input information and the second input information into a neural network model through training of a large amount of training data, and outputting a first risk matching result.
More specifically, the training process is essentially a supervised learning process, each group of supervised data includes the first input information, the second input information and identification information for identifying the first risk matching result, the first input information and the second input information are input into a neural network model, the neural network model performs continuous self-correction and adjustment according to the identification information for identifying the first risk matching result, until the obtained output result is consistent with the identification information, the group of supervised learning is ended, and the next group of data supervised learning is performed; and when the output information of the neural network model reaches the preset accuracy rate/reaches the convergence state, finishing the supervised learning process. Through right the supervised learning of neural network model, and then make neural network model handles input information is more accurate, and then obtain more accurate, the first risk matching result that is fit for, and then effectively carry out the analysis of investment project and user's risk investment situation matching degree, and then reach and carry out effective risk assessment through user's individual investment situation and investment mode, thereby improve the individual laminating nature of risk assessment, avoid utilizing masses ' risk situation to evaluate different investment individuals, be not conform to individual character, can not provide reliable risk assessment for the user, add neural network model simultaneously and improved the efficiency and the degree of accuracy of data operation processing result, tamp the basis for providing more accurate risk assessment.
Step S1100: and generating a first user investment risk assessment report according to the first risk matching result, the project analysis result and the first user assessment result.
Specifically, the matching degree of the status of the first user and the current investment project, namely a first risk matching result, and the risk assessment result corresponding to the project information, namely a project analysis result, are summarized together with the risk assessment result obtained according to the corresponding questionnaire content provided by the first user, namely the first user assessment result, so as to generate a final investment risk assessment report of the first user, wherein the user can know the risk status of the current project, know whether the self condition is suitable for the current investment project, and determine the current self investment assessment condition, so that correct investment selection is made, and effective investment risk assessment more suitable for the self condition is obtained, thereby solving the technical problems that in the prior art, when people perform investment selection, targeted risk assessment and guidance are lacked, and blind investment and investment decision making are difficult. The method and the system achieve the technical effects that the targeted risk assessment is carried out according to the personal investment condition of the user and the project information, the risk assessment is not carried out from the project, the relevance analysis of the relevant factors fitting different personal characteristics is added, the assessment effect of the personal risk condition is better met, reliable investment guidance can be provided for the user, and the efficiency and the accuracy of data analysis are improved by using artificial intelligence.
Further, the embodiment of the present application further includes:
step 1210: inputting the project information and the investment budget of the first user into an investment effect evaluation model to obtain an investment evaluation result of the first user;
step S1220: judging whether the investment evaluation result of the first user meets the investment target of the first user or not;
step S1230: if the item information does not meet the investment target, first reminding information is obtained, and the first reminding information is used for reminding the first user whether the item information does not meet the investment target or not to continue evaluation;
step S1240: obtaining a first reply result according to the first reminding information;
step S1250: if the first reply result is a first type of result, obtaining an evaluation ending instruction;
step S1260: and if the first reply result is a second type of result, obtaining a first adjusting instruction, wherein the first adjusting instruction is used for adjusting the user analysis information.
Specifically, when the investment evaluation is performed based on the project information and the investment budget of the first user, the evaluation result thereof cannot satisfy the investment requirement of the user, sending a prompt to the user, if the user indicates that the user does not need to continue other risk analysis, sending a response instruction for stopping, stopping risk assessment at the moment, avoiding continuing unnecessary data analysis processing, if the user indicates that the user further determines how to adjust the investment scheme to achieve the investment target, a first adjustment instruction is sent to adjust the information for relevant analysis, the adjustment information can be the adjustable information for adjusting the investment amount, the investment fund source, the proportion or other ways to realize the change of the investment effect, the adjustment information is the investment adjustment information which can be realized by the user through the selection of the user according to the adjustment options given by the system, and the subsequent investment risk assessment is carried out according to the adjusted content. The first type of result is not willing to be adjusted, the analysis is required to be stopped, the second type of result is willing to be adjusted, and risk assessment analysis is carried out according to the adjusted information, so that the technical problems that targeted risk assessment and guidance are lacked when people carry out investment selection, and blind investment and investment decision making are difficult in the prior art are further solved. The risk assessment fitting the requirements of the users is carried out according to the investment relation between the project and the users, so that the investment differences of different users are met, and the targets and the requirements of the risk assessment are better fitted.
Further, after determining whether the investment evaluation result of the first user meets the investment target of the first user, the embodiment of the present application includes:
step 1310: when the investment evaluation result of the first user does not meet the investment target of the first user, obtaining first recommendation information according to the investment target of the first user and the investment budget of the first user;
step S1320: obtaining second recommendation information according to the project information and the first user investment target;
step S1330: acquiring a budget investment evaluation result according to the project information and the investment budget of the first user;
step S1340: obtaining a first recommended investment evaluation result and a second recommended investment evaluation result according to the first recommended information and the second recommended information respectively;
step S1350: and obtaining a recommended item risk assessment report according to the first recommended investment assessment result, the second recommended investment assessment result and the budget investment assessment result.
Specifically, for the investment items and the investment information given by the current user, such as the investment amount, the funding mode, and the like, when the investment requirements of the user are not met, the embodiment of the application provides recommendation information according to the investment requirements and the investment information of the user, the recommendation information still performs comprehensive analysis according to the item information, the user investment budget, and the investment target through an artificial intelligence technology, determines different recommendation directions by using different information, gives first recommendation information by using the user investment target and the investment budget, and the first recommendation information can recommend other investment items or items in directions of other investment attributes according to the amount of the investment budget, so that the user investment target can be reached. And recommending second recommendation information by using the project information and the investment goal of the first user, wherein the second recommendation information can achieve the investment goal in a mode of adjusting the investment budget according to the project information, namely the investment project, and can also be other investment projects which can achieve the investment goal of the first user. The method comprises the steps of utilizing project information and investment budget of a first user to evaluate and predict investment results, obtaining an expected investment effect after the user invests, summarizing recommended investment schemes and current investment scheme evaluation results to the user, comparing recommended contents in a recommended project risk evaluation report with the budget investment evaluation results determined by the project information and the investment budget in a current investment plan, and selecting an investment scheme fitting the target and the actual investment level from the recommended investment schemes, so that investment analysis and risk evaluation by utilizing the actual investment condition of the user are realized, the method has practical guiding significance, the user knows the current project condition capable of investing, determines how to invest, or adjusts the investment direction of the user, provides reliable risk evaluation and guidance for the user, and is not blind, further solves the technical problems of lack of targeted risk assessment and guidance when people select investment, blind investment and difficult investment decision in the prior art.
Example two
Based on the same inventive concept as the investment risk assessment method based on artificial intelligence in the foregoing embodiment, the present invention further provides an investment risk assessment system based on artificial intelligence, as shown in fig. 2, the system includes:
a first obtaining unit 11, the first obtaining unit 11 being configured to obtain item information;
a second obtaining unit 12, where the second obtaining unit 12 is configured to obtain a preset item analysis rule;
a third obtaining unit 13, where the third obtaining unit 13 is configured to obtain item analysis information according to the item information and the preset item analysis rule;
a fourth obtaining unit 14, wherein the fourth obtaining unit 14 is configured to obtain analysis data according to the item analysis information;
a fifth obtaining unit 15, where the fifth obtaining unit 15 is configured to obtain a project analysis result according to the analysis data and the preset project analysis rule;
a sixth obtaining unit 16, where the sixth obtaining unit 16 is configured to obtain first user information;
a seventh obtaining unit 17, where the seventh obtaining unit 17 is configured to obtain user analysis information according to the first user information and the item information;
a first questionnaire unit 18, wherein the first questionnaire unit 18 is configured to generate a first user item analysis questionnaire according to the user analysis information and the item analysis information;
an eighth obtaining unit 19, where the eighth obtaining unit 19 is configured to analyze a questionnaire according to the first user item to obtain a first user evaluation result;
a first executing unit 20, where the first executing unit 20 is configured to input the first user evaluation result and the project analysis result into a project risk matching model to obtain a first risk matching result;
a first reporting unit 21, where the first reporting unit 21 is configured to generate a first user investment risk assessment report according to the first risk matching result, the project analysis result, and the first user assessment result.
Further, the system further comprises:
a ninth obtaining unit, configured to obtain an item attribute according to the item information;
a tenth obtaining unit, configured to obtain item level information according to the item information and the item attribute;
an eleventh obtaining unit, configured to obtain an item element according to the item level information and the item attribute;
a first determination unit configured to determine the item analysis information from the item element.
Further, the system further comprises:
a twelfth obtaining unit, configured to obtain a project data type according to the project analysis information;
a thirteenth obtaining unit, configured to obtain data source information according to the project data type;
a fourteenth obtaining unit, configured to obtain a data security requirement according to the data source information;
a fifteenth obtaining unit, configured to obtain a data acquisition path according to the data source information and the data security requirement;
a sixteenth obtaining unit, configured to obtain an analysis information requirement according to the item analysis information;
a seventeenth obtaining unit, configured to obtain the analysis data according to the analysis information requirement and the data acquisition pathway.
Further, the system further comprises:
an eighteenth obtaining unit, configured to obtain a first user investment target according to the first user information;
a nineteenth obtaining unit for obtaining an investment budget of the first user;
a twentieth obtaining unit, configured to obtain budget source information according to the investment budget of the first user;
a twenty-first obtaining unit, configured to obtain budget evaluation influence information according to the budget source information;
a twenty-second obtaining unit, configured to obtain first association information according to the budget source information and the project information;
a twenty-third obtaining unit, configured to obtain evaluation associated information according to the first associated information;
a twenty-fourth obtaining unit, configured to obtain investment evaluation information according to the first user investment target and the project information;
a twenty-fifth obtaining unit, configured to obtain the user analysis information according to the budget evaluation influence information, the evaluation association information, and the investment evaluation information.
Further, the system further comprises:
the second execution unit is used for inputting the project information and the investment budget of the first user into an investment effect evaluation model to obtain an investment evaluation result of the first user;
the first judgment unit is used for judging whether the investment evaluation result of the first user meets the investment target of the first user or not;
a twenty-sixth obtaining unit, configured to obtain first prompting information if the item information does not meet the investment target, where the first prompting information is used to prompt the first user whether to continue to evaluate that the item information does not meet the investment target;
a twenty-seventh obtaining unit, configured to obtain a first reply result according to the first prompting information;
a twenty-eighth obtaining unit, configured to obtain an end-evaluation instruction if the first reply result is a first-class result;
a twenty-ninth obtaining unit, configured to obtain a first adjustment instruction if the first reply result is a second type of result, where the first adjustment instruction is used to adjust the user analysis information.
Further, the system further comprises:
a thirtieth obtaining unit, configured to, when the investment evaluation result of the first user does not meet the first user investment target, obtain first recommendation information according to the first user investment target and the investment budget of the first user;
a thirty-first obtaining unit, configured to obtain second recommendation information according to the project information and the first user investment target;
a thirty-second obtaining unit, configured to obtain a budget investment evaluation result according to the project information and the investment budget of the first user;
a thirty-third obtaining unit, configured to obtain a first recommended investment evaluation result and a second recommended investment evaluation result according to the first recommendation information and the second recommendation information, respectively;
a thirty-fourth obtaining unit, configured to obtain a recommended item risk assessment report according to the first recommended investment assessment result, the second recommended investment assessment result, and the budget investment assessment result.
Further, the system further comprises:
a third execution unit configured to take the first user evaluation result as first input information;
a fourth execution unit for taking the item analysis result as second input information;
a first input unit, configured to input the first input information and the second input information into a project risk matching model, where the project risk matching model is obtained by training multiple sets of training data, and each of the multiple sets of training data includes: the first input information, the second input information, and identification information identifying the first risk matching result;
a thirty-fifth obtaining unit, configured to obtain output information of the project risk matching model, where the output information includes the first risk matching result.
Various modifications and specific examples of the artificial intelligence based investment risk assessment method in the first embodiment of fig. 1 are also applicable to the artificial intelligence based investment risk assessment system of this embodiment, and those skilled in the art can clearly understand the implementation method of the artificial intelligence based investment risk assessment system in this embodiment through the foregoing detailed description of the artificial intelligence based investment risk assessment method, so for the brevity of the description, detailed descriptions are omitted here.
Exemplary electronic device
The electronic device of the 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 an artificial intelligence based investment risk assessment method as described in the previous embodiments, the present invention further provides an artificial intelligence based investment risk assessment system, on which a computer program is stored, which when executed by a processor, performs the steps of any one of the above-described artificial intelligence based investment risk assessment methods.
Where in fig. 3 a bus architecture (represented by bus 300), bus 300 may include any number of interconnected buses and bridges, bus 300 linking together various circuits including one or more processors, represented by processor 302, and memory, represented by memory 304. The bus 300 may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. A bus interface 305 provides an interface between the bus 300 and the 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, and the memory 304 may be used for storing data used by the processor 302 in performing operations.
One or more technical solutions provided in the embodiments of the present application have at least the following technical effects or advantages:
the embodiment of the application provides an investment risk assessment method and system based on artificial intelligence, and project information is obtained; obtaining a preset project analysis rule; acquiring project analysis information according to the project information and the preset project analysis rule; obtaining analysis data according to the project analysis information; obtaining a project analysis result according to the analysis data and the preset project analysis rule; obtaining first user information; obtaining user analysis information according to the first user information and the project information; generating a first user project analysis questionnaire according to the user analysis information and the project analysis information; analyzing a questionnaire according to the first user project to obtain a first user evaluation result; inputting the first user evaluation result and the project analysis result into a project risk matching model to obtain a first risk matching result; and generating a first user investment risk assessment report according to the first risk matching result, the project analysis result and the first user assessment result. The method comprises the steps of summarizing a matching degree of a condition of a first user and a current investment project, namely a first risk matching result, a risk assessment result corresponding to project information, namely a project analysis result, and a risk assessment result obtained according to corresponding questionnaire content provided by the first user, namely the first user assessment result, to generate a final investment risk assessment report of the first user, wherein the user can know the risk condition of the current project, know whether the self condition is suitable for the current investment project, and determine the current self investment assessment condition, so that correct investment selection is made, effective investment risk assessment more suitable for the self condition is obtained, and the technical problems that in the prior art, when people perform investment selection, targeted risk assessment and guidance are lacked, and blind investment and investment decision making are difficult are solved. The method and the system achieve the technical effects that the targeted risk assessment is carried out according to the personal investment condition of the user and the project information, the risk assessment is not carried out from the project, the relevance analysis of the relevant factors fitting different personal characteristics is added, the assessment effect of the personal risk condition is better met, reliable investment guidance can be provided for the user, and the efficiency and the accuracy of data analysis are improved by using artificial intelligence.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
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 flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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 an instruction system 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. Therefore, it is intended that the appended claims be interpreted as including 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 changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (9)
1. An investment risk assessment method based on artificial intelligence, wherein the method comprises:
acquiring project information;
obtaining a preset project analysis rule;
acquiring project analysis information according to the project information and the preset project analysis rule;
obtaining analysis data according to the project analysis information;
obtaining a project analysis result according to the analysis data and the preset project analysis rule;
obtaining first user information;
obtaining user analysis information according to the first user information and the project information;
generating a first user project analysis questionnaire according to the user analysis information and the project analysis information;
analyzing a questionnaire according to the first user project to obtain a first user evaluation result;
inputting the first user evaluation result and the project analysis result into a project risk matching model to obtain a first risk matching result;
and generating a first user investment risk assessment report according to the first risk matching result, the project analysis result and the first user assessment result.
2. The method of claim 1, wherein the obtaining item analysis information according to the item information and the preset item analysis rule comprises:
acquiring project attributes according to the project information;
acquiring project grade information according to the project information and the project attributes;
acquiring project elements according to the project level information and the project attributes;
and determining the project analysis information according to the project elements.
3. The method of claim 1, wherein said obtaining analysis data from said project analysis information comprises:
acquiring a project data type according to the project analysis information;
obtaining data source information according to the project data type;
acquiring a data security requirement according to the data source information;
acquiring a data acquisition path according to the data source information and the data security requirement;
obtaining analysis information requirements according to the project analysis information;
and obtaining the analysis data according to the analysis information requirement and the data acquisition way.
4. The method of claim 1, wherein the obtaining user analysis information according to the first user information and the project information comprises:
acquiring a first user investment target according to the first user information;
obtaining an investment budget of a first user;
acquiring budget source information according to the investment budget of the first user;
acquiring budget evaluation influence information according to the budget source information;
acquiring first associated information according to the budget source information and the project information;
obtaining evaluation associated information according to the first associated information;
acquiring investment evaluation information according to the first user investment target and the project information;
and obtaining the user analysis information according to the budget evaluation influence information, the evaluation correlation information and the investment evaluation information.
5. The method of claim 4, wherein the method comprises:
inputting the project information and the investment budget of the first user into an investment effect evaluation model to obtain an investment evaluation result of the first user;
judging whether the investment evaluation result of the first user meets the investment target of the first user or not;
if the item information does not meet the investment target, first reminding information is obtained, and the first reminding information is used for reminding the first user whether the item information does not meet the investment target or not to continue evaluation;
obtaining a first reply result according to the first reminding information;
if the first reply result is a first type of result, obtaining an evaluation ending instruction;
and if the first reply result is a second type of result, obtaining a first adjusting instruction, wherein the first adjusting instruction is used for adjusting the user analysis information.
6. The method of claim 5, wherein said determining whether the first user's investment assessment results satisfy the first user investment goals comprises:
when the investment evaluation result of the first user does not meet the investment target of the first user, obtaining first recommendation information according to the investment target of the first user and the investment budget of the first user;
obtaining second recommendation information according to the project information and the first user investment target;
acquiring a budget investment evaluation result according to the project information and the investment budget of the first user;
obtaining a first recommended investment evaluation result and a second recommended investment evaluation result according to the first recommended information and the second recommended information respectively;
and obtaining a recommended item risk assessment report according to the first recommended investment assessment result, the second recommended investment assessment result and the budget investment assessment result.
7. The method of claim 1, wherein said entering the first user assessment results, the project analysis results into a project risk matching model, obtaining first risk matching results, comprises:
taking the first user evaluation result as first input information;
taking the item analysis result as second input information;
inputting the first input information and the second input information into a project risk matching model, wherein the project risk matching model is obtained by training multiple sets of training data, and each set of the multiple sets of training data comprises: the first input information, the second input information, and identification information identifying the first risk matching result;
and obtaining output information of the project risk matching model, wherein the output information comprises the first risk matching result.
8. An artificial intelligence based investment risk assessment system for use in the method of any one of claims 1 to 7, wherein the system comprises:
a first obtaining unit configured to obtain item information;
a second obtaining unit, configured to obtain a preset project analysis rule;
a third obtaining unit, configured to obtain project analysis information according to the project information and the preset project analysis rule;
a fourth obtaining unit configured to obtain analysis data according to the item analysis information;
a fifth obtaining unit, configured to obtain a project analysis result according to the analysis data and the preset project analysis rule;
a sixth obtaining unit configured to obtain first user information;
a seventh obtaining unit, configured to obtain user analysis information according to the first user information and the item information;
the first questionnaire unit is used for generating a first user project analysis questionnaire according to the user analysis information and the project analysis information;
an eighth obtaining unit, configured to analyze a questionnaire according to the first user item to obtain a first user evaluation result;
the first execution unit is used for inputting the first user evaluation result and the project analysis result into a project risk matching model to obtain a first risk matching result;
and the first reporting unit is used for generating a first user investment risk assessment report according to the first risk matching result, the project analysis result and the first user assessment result.
9. An artificial intelligence based investment risk assessment system 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 1-7 when executing the program.
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