Research And Implementation Of Personalized Financial Investment Model

With the development of market economy,people attach more importance to investment and wealth management,and with the development of information technology,the feasibility and demand of using computer models to assist in the analysis and decision-making process of investment activities are also on the rise.Robo-Advisor,as an automated financial advisor technology emerging in foreign markets in recent years,using the efficient data collection and analysis capabilities of computers,as well as research results achieved in related fields,is able to carry out quantitative assessment of user risk tolerance and give the investment advice with risk level corresponding to risk tolerance,which achieved personalized financial investment.Robo-Advisor has just started to grow in the China,existing products still have room for improvement,so it is a field that deserves further study.This thesis investigated some robo-advisor products in foreign markets,and studied related theories and methods,then a simulation realization of robo-advisor was constructed,in which the function of buy and sell is simulated,but other basic functions are implemented.Finally,the performance of simulation realization is verified through experiments.Firstly,this thesis carry on investigation and research to risk tolerance assessment,the Modern Portfolio Theory,portfolio selection model and monitoring&rebalancing strategy.Then,base on the research results,a simulation realization of robo-advisor was constructed through the work of requirement analysis,high level design,low level design and implementation,it consists of transaction data collection module,user management module,portfolio recommendation module and monitoring&rebalancing module.In subsequent chapters,the test cases used in the testing phase and the conditions for the verification experiment are given,and the performance of the simulated robo-advisor is analyzed according to the experimental results.Finally,the work is summarized,existing problems are pointed out and the directions for further research are put forward.