Research On Hybrid Intelligent System For Personal Finance

As the finance market is developing fast, personal financing becomes an important factor for revenue increasing. Comparing with developed countries, domestic market for personal financing shows some shortage:lack of normalization; lack of perfessional and lack of informatization.Among those shortages lack of perfessionals is the most important, since the market is developing rapidly and the demand is growing fast. On the other hand, providing customers with professional and suitable financing service is the key to attract and maintain customers in the long run. Based on that, this paper offers a hybrid intelligent system for personal financing.This paper investigates and analyzes the research about personal financing in commercial banks in China, as well as the research of hybrid intelligent systems. And then after analyzing the feathers of CBR, RBR, and Genetic Algorithms, the paper propose a frame of hybrid system that uses CBR as main part and combines RBR and Genetic algorithms to covercome the flaw of one single technology. Ontology is also used in the system to solve the problem of different standards of information.The innovational points of this paper are as follows:(1) It conbined three method together:CBR, RBR, and Genetic Algorithm.(2) It applied ontology in the field of personal financing.(3) It proposed a new hybrid intelligent system for personal finance.