CN104537564A - System and method for combined management of asset allocation and investment - Google Patents
System and method for combined management of asset allocation and investment Download PDFInfo
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- CN104537564A CN104537564A CN201510036646.XA CN201510036646A CN104537564A CN 104537564 A CN104537564 A CN 104537564A CN 201510036646 A CN201510036646 A CN 201510036646A CN 104537564 A CN104537564 A CN 104537564A
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Abstract
The invention discloses a system for combined management of asset allocation and investment. The system comprises a risk rating module, a family information investigation module, an asset allocation optimization module, a wealth experience module, and a report generating module, wherein the risk rating module is used for collecting information of users according to preset risk rating information to determine and transmit the risk level types of the users; the family information investigation module is used for acquiring family information of the users according to a preset family information form; the asset allocation optimization module is used for receiving and analyzing risk level type information, taking a preset asset allocation module matched with the risk level types, and performing asset optimization on the family information of the users by virtue of the asset allocation module according to a preset asset allocation strategy; the wealth experience module is used for performing matched experience by virtue of the asset allocation module according to the family information of the users and a preset wealth experience strategy, and generating a user evaluation result matched with the family information of the users according to the experience; and the report generating module is used for generating matched optimization report and evaluation report according to the asset optimization information and the user evaluation result information.
Description
Technical field
The present invention relates to financing system, specifically, relate to a kind of Asset Allocation and investment combination management system and method.
Background technology
Along with progress and the economic develop rapidly of science and technology, people are more and more for the aspect such as management of money, and under modern investment management system, investment is generally divided into planning, enforcement and optimum management three phases.Investment planning and Asset Allocation, it is most important link in Portfolio Management decision-making step.Essence to institutional investor's assets and liabilities problem must be based upon, on equity share and fixing profound understanding basis of receiving the various problems such as the investment characteristics of people's security to the understanding of Asset Allocation.On this basis, asset management can also utilize the derivative financial products such as futures, option to improve the effect of Asset Allocation, also can adopt the dynamic conditioning of other strategy realizations to Asset Allocation.Different configuration has self distinctive theoretical foundation, behavioural characteristic and payment mode, and is applicable to different market environments and clients investment demand.
But invest and be not equal to the remuneration of earning expection, because investment possesses risk, according to Sharpe Ratio (Sharpe Ratio), be otherwise known as Sharp Ratio, is fund valuation standardized index.Sharpe Ratio shows in the research of modern investment theory, and the size of risk has basic effect in the performance determining combination.Earning rate after Risk Adjusted be exactly one can simultaneously to the overall target that income and risk take in, to the adverse effect of risk factors to performance evaluation can be got rid of.Sharpe Ratio be exactly one can simultaneously to one of three large classical indexs that income and risk are considered.Have the feature that conventional in investment, the anticipated return of namely investing target is higher, and the patient fluctuation risk of investor institute is higher; Otherwise anticipated return is lower, fluctuation risk is also lower.So the investor of rationality selects the fundamental purpose of investing target and investment portfolio to be: under the risk that fixedly can bear, pursue maximum remuneration; Or under fixing anticipated return, pursue minimum risk; Therefore, for investment, except fortune own, also to see the trend in market and the trend of overall situation, and oneself or financing expert are in the face of the judgement of financial environment, the human factor wherein unavoidably existed, under numerous X factor, if investor does not have certain direction, wealth probably can be caused to shrink in a large number.Therefore, if before investment, a large amount of objective market analyses and the judgement of Assets can be have passed through, in the face of the financial market of upheaval, personal investment risk can be effectively reduced and improve the probability of making a profit.
As can be seen here, for the above-mentioned problems in the prior art, need the enforcement of a kind of tool for managing money matters ancillary investment people financing badly.
Summary of the invention
The object of this invention is to provide a kind of Asset Allocation and investment combination management system and method, to overcome currently available technology above shortcomings.
The object of the invention is to be achieved through the following technical solutions:
According to an aspect of the present invention, provide a kind of Asset Allocation and investment combination management system, this Asset Allocation and investment combination management system comprise:
Risk rating module, for the information according to the risk rating information user pre-set, compares user profile and the risk rating standard prestored, determines the risk class type of user, and send described risk class type information;
Family information inquiry module, for obtaining the family information of user according to the family information form pre-set, and sends described subscriber household information;
Data memory module, for receiving and storing described risk class type information and subscriber household information;
Module is optimized in Asset Allocation, for receiving and analyzing described risk class type information, and according to described risk class type, transfer pre-set and with the Asset Allocation model of described risk class type matching, and according to the Asset Allocation strategy pre-set, asset optimization is carried out to subscriber household information by described Asset Allocation model;
Wealth experiences module, for receiving described subscriber household information, and experience the tactful experience carrying out matching by described Asset Allocation model according to described subscriber household information and the wealth pre-set, according to experiencing the user's evaluating result generated with subscriber household information match;
Report generation module, for receiving described asset optimization information and user's evaluating result information, and generates the optimization report and test and evaluation report that match according to described asset optimization information and user's evaluating result information.
Further, the pre-configured audit strategy of described Asset Allocation model module comprises:
Asset-liabilities situation general view module, for receiving and analyzing described subscriber household information, and calculates described subscriber household information according to pre-configured assets index calculate strategy, and generates the assets information report matched;
Risk mobility module, for receiving and analyzing described subscriber household information, and calculates according to the pre-configured risk mobility of risk mobility calculative strategy to described subscriber household information, and generates the risk flowing report matched;
Insurance cover module, for receiving and analyzing described subscriber household information, and plans described subscriber household insurance cover according to pre-configured insurance cover strategy, and generates the insurance cover report matched;
Asset Allocation module, for receiving and analyzing described subscriber household information, and is configured described subscriber household assets according to risk class type information and pre-configured Asset Allocation strategy, and generates the Asset Allocation report matched.
Further, described risk class type successively comprises conservative type, sane type, appropriate aggressive, aggressive and very aggressive from height to low according to risk aversion degree.
Further, described user's test and evaluation report comprises the negative overview information of money, Risk Dimensions information, insurance cover information, asset configuration information, portfolio investment information, personalized investment configuration information and without amount of money restricted model information.
Further, the family information of described user comprises kinsfolk's information and family assets information, and described kinsfolk's information comprises name, year of birth, monthly income and expenditure.
According to a further aspect in the invention, provide a kind of Asset Allocation and investment combination management method, this Asset Allocation and investment combination management method comprise the following steps:
Utilize the risk rating module pre-set according to the information of the risk rating information user pre-set, user profile and the risk rating standard prestored are compared, determine the risk class type of user, and send described risk class type information;
Utilize the family information inquiry module pre-set to obtain the family information of user according to the family information form pre-set, and send described subscriber household information;
The data memory module pre-set is utilized to receive and store described risk class type information and subscriber household information;
Utilize the Asset Allocation pre-set to optimize module receive and analyze described risk class type information, and according to described risk class type, transfer pre-set and with the Asset Allocation model of described risk class type matching, and according to the Asset Allocation strategy pre-set, asset optimization is carried out to subscriber household information by described Asset Allocation model;
Experience module by the wealth pre-set and receive described subscriber household information, and experience the tactful experience carrying out matching by described Asset Allocation model according to described subscriber household information and the wealth pre-set, according to experiencing the user's evaluating result generated with subscriber household information match;
Utilize the report generation module pre-set to receive described asset optimization information and user's evaluating result information, and generate the optimization report and test and evaluation report that match according to described asset optimization information and user's evaluating result information.
Further, the pre-configured audit strategy of described Asset Allocation model module is utilized to comprise:
Received by the asset-liabilities situation general view module pre-set and analyze described subscriber household information, and according to pre-configured assets index calculate strategy, described subscriber household information being calculated, and generating the assets information report matched;
Received by the risk mobility module pre-set and analyze described subscriber household information, and calculating according to the pre-configured risk mobility of risk mobility calculative strategy to described subscriber household information, and generating the risk flowing report matched;
Received by the insurance cover module pre-set and analyze described subscriber household information, and according to pre-configured insurance cover strategy, described subscriber household insurance cover being planned, and generating the insurance cover report matched;
Utilize the Asset Allocation module pre-set receive and analyze described subscriber household information, and according to risk class type information and pre-configured Asset Allocation strategy, described subscriber household assets are configured, and generate the Asset Allocation report matched.
Further, described risk class type successively comprises conservative type, sane type, appropriate aggressive, aggressive and very aggressive from height to low according to risk aversion degree.
Further, described user's test and evaluation report comprises the negative overview information of money, Risk Dimensions information, insurance cover information, asset configuration information, portfolio investment information, personalized investment configuration information and without amount of money restricted model information.
Further, the family information of described user comprises kinsfolk's information and family assets information, and described kinsfolk's information comprises name, year of birth, monthly income and expenditure.
Beneficial effect of the present invention is: native system can automatically for user carries out objective Asset Allocation suggestion, cover various financial products common on the market and comprise stock fund, Bond Fund, private equity class, P2P series products etc., and product is still in continuous renewal; And native system only depends on the real history risk return profile of financial product, and does not rely on artificial subjective preferences; The income of the product that system also can configure in product library for customer analysis and risk status, be convenient to manage the financing of client, be conducive to the propagation and employment in market.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the system architecture schematic diagram of a kind of Asset Allocation according to the embodiment of the present invention and investment combination management system;
Fig. 2 is the schematic flow sheet of a kind of Asset Allocation according to the embodiment of the present invention and investment combination management method.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art obtain, all belongs to the scope of protection of the invention.
As shown in Figure 1, a kind of Asset Allocation according to the embodiment of the present invention and investment combination management system, this Asset Allocation and investment combination management system comprise:
Risk rating module, for the information according to the risk rating information user pre-set, compares user profile and the risk rating standard prestored, determines the risk class type of user, and send described risk class type information;
Family information inquiry module, for obtaining the family information of user according to the family information form pre-set, and sends described subscriber household information;
Data memory module, for receiving and storing described risk class type information and subscriber household information;
Module is optimized in Asset Allocation, for receiving and analyzing described risk class type information, and according to described risk class type, transfer pre-set and with the Asset Allocation model of described risk class type matching, and according to the Asset Allocation strategy pre-set, asset optimization is carried out to subscriber household information by described Asset Allocation model;
Wealth experiences module, for receiving described subscriber household information, and experience the tactful experience carrying out matching by described Asset Allocation model according to described subscriber household information and the wealth pre-set, according to experiencing the user's evaluating result generated with subscriber household information match;
Report generation module, for receiving described asset optimization information and user's evaluating result information, and generates the optimization report and test and evaluation report that match according to described asset optimization information and user's evaluating result information.
The pre-configured audit strategy of described Asset Allocation model module comprises:
Asset-liabilities situation general view module, for receiving and analyzing described subscriber household information, and calculates described subscriber household information according to pre-configured assets index calculate strategy, and generates the assets information report matched;
Risk mobility module, for receiving and analyzing described subscriber household information, and calculates according to the pre-configured risk mobility of risk mobility calculative strategy to described subscriber household information, and generates the risk flowing report matched;
Insurance cover module, for receiving and analyzing described subscriber household information, and plans described subscriber household insurance cover according to pre-configured insurance cover strategy, and generates the insurance cover report matched;
Asset Allocation module, for receiving and analyzing described subscriber household information, and is configured described subscriber household assets according to risk class type information and pre-configured Asset Allocation strategy, and generates the Asset Allocation report matched.
Described risk class type successively comprises conservative type, sane type, appropriate aggressive, aggressive and very aggressive from height to low according to risk aversion degree.
Described user's test and evaluation report comprises the negative overview information of money, Risk Dimensions information, insurance cover information, asset configuration information, portfolio investment information, personalized investment configuration information and without amount of money restricted model information.
The family information of described user comprises kinsfolk's information and family assets information, and described kinsfolk's information comprises name, year of birth, monthly income and expenditure.
As shown in Figure 2, according to a further aspect in the invention, provide a kind of Asset Allocation and investment combination management method, this Asset Allocation and investment combination management method comprise the following steps:
Utilize the risk rating module pre-set according to the information of the risk rating information user pre-set, user profile and the risk rating standard prestored are compared, determine the risk class type of user, and send described risk class type information;
Utilize the family information inquiry module pre-set to obtain the family information of user according to the family information form pre-set, and send described subscriber household information;
The data memory module pre-set is utilized to receive and store described risk class type information and subscriber household information;
Utilize the Asset Allocation pre-set to optimize module receive and analyze described risk class type information, and according to described risk class type, transfer pre-set and with the Asset Allocation model of described risk class type matching, and according to the Asset Allocation strategy pre-set, asset optimization is carried out to subscriber household information by described Asset Allocation model;
Experience module by the wealth pre-set and receive described subscriber household information, and experience the tactful experience carrying out matching by described Asset Allocation model according to described subscriber household information and the wealth pre-set, according to experiencing the user's evaluating result generated with subscriber household information match;
Utilize the report generation module pre-set to receive described asset optimization information and user's evaluating result information, and generate the optimization report and test and evaluation report that match according to described asset optimization information and user's evaluating result information.
The pre-configured audit strategy of described Asset Allocation model module is utilized to comprise:
Received by the asset-liabilities situation general view module pre-set and analyze described subscriber household information, and according to pre-configured assets index calculate strategy, described subscriber household information being calculated, and generating the assets information report matched;
Received by the risk mobility module pre-set and analyze described subscriber household information, and calculating according to the pre-configured risk mobility of risk mobility calculative strategy to described subscriber household information, and generating the risk flowing report matched;
Received by the insurance cover module pre-set and analyze described subscriber household information, and according to pre-configured insurance cover strategy, described subscriber household insurance cover being planned, and generating the insurance cover report matched;
Utilize the Asset Allocation module pre-set receive and analyze described subscriber household information, and according to risk class type information and pre-configured Asset Allocation strategy, described subscriber household assets are configured, and generate the Asset Allocation report matched.
Described risk class type successively comprises conservative type, sane type, appropriate aggressive, aggressive and very aggressive from height to low according to risk aversion degree.
Described user's test and evaluation report comprises the negative overview information of money, Risk Dimensions information, insurance cover information, asset configuration information, portfolio investment information, personalized investment configuration information and without amount of money restricted model information.
The family information of described user comprises kinsfolk's information and family assets information, and described kinsfolk's information comprises name, year of birth, monthly income and expenditure.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, within the spirit and principles in the present invention all, any amendment done, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. Asset Allocation and an investment combination management system, is characterized in that, comprising:
Risk rating module, for the information according to the risk rating information user pre-set, compares user profile and the risk rating standard prestored, determines the risk class type of user, and send described risk class type information;
Family information inquiry module, for obtaining the family information of user according to the family information form pre-set, and sends described subscriber household information;
Data memory module, for receiving and storing described risk class type information and subscriber household information;
Module is optimized in Asset Allocation, for receiving and analyzing described risk class type information, and according to described risk class type, transfer pre-set and with the Asset Allocation model of described risk class type matching, and according to the Asset Allocation strategy pre-set, asset optimization is carried out to subscriber household information by described Asset Allocation model;
Wealth experiences module, for receiving described subscriber household information, and experience the tactful experience carrying out matching by described Asset Allocation model according to described subscriber household information and the wealth pre-set, according to experiencing the user's evaluating result generated with subscriber household information match;
Report generation module, for receiving described asset optimization information and user's evaluating result information, and generates the optimization report and test and evaluation report that match according to described asset optimization information and user's evaluating result information.
2. Asset Allocation according to claim 1 and investment combination management system, is characterized in that, the pre-configured audit strategy of described Asset Allocation model module comprises:
Asset-liabilities situation general view module, for receiving and analyzing described subscriber household information, and calculates described subscriber household information according to pre-configured assets index calculate strategy, and generates the assets information report matched;
Risk mobility module, for receiving and analyzing described subscriber household information, and calculates according to the pre-configured risk mobility of risk mobility calculative strategy to described subscriber household information, and generates the risk flowing report matched;
Insurance cover module, for receiving and analyzing described subscriber household information, and plans described subscriber household insurance cover according to pre-configured insurance cover strategy, and generates the insurance cover report matched;
Asset Allocation module, for receiving and analyzing described subscriber household information, and is configured described subscriber household assets according to risk class type information and pre-configured Asset Allocation strategy, and generates the Asset Allocation report matched.
3. Asset Allocation according to claim 2 and investment combination management system, is characterized in that, described risk class type successively comprises conservative type, sane type, appropriate aggressive, aggressive and very aggressive from height to low according to risk aversion degree.
4. Asset Allocation according to claim 2 and investment combination management system, it is characterized in that, described user's test and evaluation report comprises the negative overview information of money, Risk Dimensions information, insurance cover information, asset configuration information, portfolio investment information, personalized investment configuration information and without amount of money restricted model information.
5. Asset Allocation according to claim 2 and investment combination management system, is characterized in that, the family information of described user comprises kinsfolk's information and family assets information, and described kinsfolk's information comprises name, year of birth, monthly income and expenditure.
6. Asset Allocation and an investment combination management method, is characterized in that, comprise the following steps:
Utilize the risk rating module pre-set according to the information of the risk rating information user pre-set, user profile and the risk rating standard prestored are compared, determine the risk class type of user, and send described risk class type information;
Utilize the family information inquiry module pre-set to obtain the family information of user according to the family information form pre-set, and send described subscriber household information;
The data memory module pre-set is utilized to receive and store described risk class type information and subscriber household information;
Utilize the Asset Allocation pre-set to optimize module receive and analyze described risk class type information, and according to described risk class type, transfer pre-set and with the Asset Allocation model of described risk class type matching, and according to the Asset Allocation strategy pre-set, asset optimization is carried out to subscriber household information by described Asset Allocation model;
Experience module by the wealth pre-set and receive described subscriber household information, and experience the tactful experience carrying out matching by described Asset Allocation model according to described subscriber household information and the wealth pre-set, according to experiencing the user's evaluating result generated with subscriber household information match;
Utilize the report generation module pre-set to receive described asset optimization information and user's evaluating result information, and generate the optimization report and test and evaluation report that match according to described asset optimization information and user's evaluating result information.
7. Asset Allocation according to claim 6 and investment combination management method, is characterized in that, utilizes the pre-configured audit strategy of described Asset Allocation model module to comprise:
Received by the asset-liabilities situation general view module pre-set and analyze described subscriber household information, and according to pre-configured assets index calculate strategy, described subscriber household information being calculated, and generating the assets information report matched;
Received by the risk mobility module pre-set and analyze described subscriber household information, and calculating according to the pre-configured risk mobility of risk mobility calculative strategy to described subscriber household information, and generating the risk flowing report matched;
Received by the insurance cover module pre-set and analyze described subscriber household information, and according to pre-configured insurance cover strategy, described subscriber household insurance cover being planned, and generating the insurance cover report matched;
Utilize the Asset Allocation module pre-set receive and analyze described subscriber household information, and according to risk class type information and pre-configured Asset Allocation strategy, described subscriber household assets are configured, and generate the Asset Allocation report matched.
8. Asset Allocation according to claim 7 and investment combination management method, is characterized in that, described risk class type successively comprises conservative type, sane type, appropriate aggressive, aggressive and very aggressive from height to low according to risk aversion degree.
9. Asset Allocation according to claim 7 and investment combination management method, it is characterized in that, described user's test and evaluation report comprises the negative overview information of money, Risk Dimensions information, insurance cover information, asset configuration information, portfolio investment information, personalized investment configuration information and without amount of money restricted model information.
10. Asset Allocation according to claim 7 and investment combination management method, is characterized in that, the family information of described user comprises kinsfolk's information and family assets information, and described kinsfolk's information comprises name, year of birth, monthly income and expenditure.
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