"Intelligent" Design For Bank Investment Advisory

Fintech is developing rapidly with the advancement of technology,which has brought tremendous influence and new opportunities to the financial industry,especially the traditional banking business.Since the world entered the era of mobile Internet,technology has given financial institutions the potential to serve everyone.Big data,cloud computing,artificial intelligence and other technologies have empowered major financial institutions and intelligent investment advisors to more fully understand the ability of customers to learn from customers and make their services more accurate and efficient.For small and medium-sized banks,due to various restrictions,it is difficult to compete with large institutions on technological capabilities with absolute superior technology and data.Therefore,it is more necessary to explore suitable development methods and service concepts to complete the corner overtaking in the tide of fintech.First,this article clarifies the definition of intelligent investment advisors,analyzes the development status of intelligent investment advisors at home and abroad,research significance and research methods,explains the design and analysis methods of the case,and combines intelligent investment advisory related literature to introduce intelligent investment advisory design The relevant theories of configuration,fund evaluation and Internet product design lay the theoretical foundation for the article.In terms of asset allocation,we choose the target date model and risk budget model to adapt to the short-term and long-term investment and financing needs,and simulate the two models to achieve.In terms of user interaction,we combine financial theory and existing intelligent investment advisors to design an intelligent financial advisory system that can personalize consultation for customers,and use Monte Carlo simulation as a method for calculating the probability of achieving investment goals.After the above investment plan consultation is completed,we have designed investment transactions and post-deal optimization services for clients to help investors overcome prone investor behavior deviations and assist clients in realizing long-term investment returns.Finally,we combine the current market situation and the cases we have designed to look forward to the direction of smart investment advisors,and provide ideas for the future development of small and medium-sized bank smart investment advisory systems.