Contradiction In Financial Market Highlights The Trend Of Robot Investment Advisers

The advent of the Internet age has brought great changes to life.

Financial behavior is accelerating the migration to the Internet, but there is a serious homogenization in the Internet financial market. For individual investors, the resources of professional services are scarce and financial needs are not satisfied.

The industry believes that China's personal financial management will soon enter the era of Internet capital management, and comprehensive financial management with user oriented will become a new trend.

According to the Research Report on China's personal financial market released by the zero Research Institute (hereinafter referred to as the "report"), as of the end of 2015, the basic scale of personal finance in China is between 40 trillion -50 trillion yuan, of which the Internet financial market is close to 2 trillion yuan, and the user reaches 200 million -3 billion.

At present

The biggest pain is that most people's financial needs are not met.

Traditional financial institutions have obvious advantages in serving the existing population, especially those with high net worth, but the financial services to the general public are far from enough.

One is that China's investment advisory industry started late, and it is still less than 30 thousand people, far from meeting the needs of nearly 500 million middle class services.

Second, the investment advisory industry is mixed up.

As a result, Chinese investors are facing the dilemma of "no investment and disorderly investment" for a long time.

Reporters combed "report" found that, because most of the financial products in line with regulatory requirements can not be Internet, resulting in scale accounts for only about 4% of the total financial management.

In 2015, the scale of Internet integrated financial management was in the scale of 100 billion yuan, and the scale was still small.

However, with the rapid growth of financial management capabilities after 85, 90 and even 95, the comprehensive financial management of the Internet has broad room for development. It is expected that the growth rate will exceed 200% in recent years.

Since 2013, the personal financial market has entered the era of big capital management.

In the era of financial management, the two have been fragmented.

Nowadays,

Internet services are closing up. Internet financial management has also started the pace of comprehensive financial management. The combination of the two has become an inevitable trend.

Taking user demand as the guide, it is emphasized that users' participation in the design and R & D of financial products will be the trend of the Internet integrated financial platform in the future.

"In China, not only ordinary people do not know much about finance, but many senior intellectuals do not know about asset allocation," he said.

CEO, a comprehensive financial platform, says that after the wealth of financial products, to provide personalized financial services, we need to introduce intelligent algorithm to automatically depict user characteristics and product characteristics.

Therefore, it can be said that intelligence is the technological foundation of personalized financial management, and is also the inevitable trend of Internet information management.

"Robot investment advisor is a virtual robot developed based on risk probability assessment system. It only needs a minute to deliver financial advice to users based on analysis and prediction."

The robot investment advisor is an investment scheme that provides a fully automated, algorithm based portfolio management proposal for users through the Internet, based on a large data basis, by quantifying the investment algorithms on the large data basis.

The biggest advantage of robot investment is that it can calculate and judge according to the three dimensions of investor's expectation of revenue, duration of financial management and risk bearing capacity. According to the different needs of users, it will formulate customized and professional services, and fully respect the users' right to know, so that users can clearly know the proportion, risk, yield and capital flow of asset allocation, and rationally provide users with an independent choice and decision-making space.