Research On Intelligent Recommendation And Application Of Internet Financial Products Based On Blockchain

Internet finance is developing rapidly in China.Internet financial products are also the preference of many small and medium-sized investors.On the one hand,the variety of Internet financial products will make people dazzled,the development of intelligent recommendation of platforms is slow,and many investors will face the problem of choosing appropriate products for investment.On the other hand,the user data collected by intelligent recommendation often involves many sensitive privacy information of users.Once the privacy information is leaked or the user's privacy right is violated,it will bring huge distress and loss to users,and affect users' willingness to disclose personal data information and accept intelligent recommendation.Therefore,the development of intelligent recommendation is facing difficulties in Internet finance.Based on the emerging technology of blockchain,this study improves the problems existing in the intelligent recommendation of financial products.How to ensure the privacy,fairness and efficiency of the recommendation results of financial products is the focus of this study.Firstly,the current situation of personalized recommendation of Internet financial products and the existing problems of financial product recommendation are analyzed.Then the improvement ideas based on blockchain are put forward.Secondly,in view of the problems existing in the traditional recommendation model framework,this study explores the solutions of blockchain for recommendation model,builds a new intelligent recommendation model and infrastructure of financial products with blockchain as the underlying technology,and puts forward the strategy of information storage and processing on blockchain.The corresponding subject registration,privacy information submission and product recommendation process are described.The advantages of the improved financial product recommendation model in privacy protection are analyzed.Thirdly,this study explores the shortcomings of traditional intelligent recommendation in low-risk financial product recommendation,and proposes a recommendation strategy based on blockchain user portrait and score prediction.On the basis of blockchain privacy protection,it obtains user attribute data,establishes blockchain score incentive mechanism and recommendation contract,and obtains highquality user score.The feasibility of the whole recommendation process is verified by the simulation of experimental data.Then,the shortcomings of traditional intelligent recommendation in the recommendation of high-risk financial products are analyzed.Aiming at the risk characteristics of high-risk financial products,a portfolio recommendation strategy based on user risk preference is proposed.It uses blockchain to establish a shared database of financial users' risk preference to obtain user preference data of each platform,and establishes intelligent contracts such as value at risk contract and recommendation contract.The improved recommendation process is simulated with real financial product experimental data.Finally,based on the above research on the application of blockchain in intelligent recommendation of Internet financial products,the main conclusions and innovations of the article,and a prospect for future research are summarized.