CN108921706A - The artificial intelligence arithmetic system of capital investment financing - Google Patents
The artificial intelligence arithmetic system of capital investment financing Download PDFInfo
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Abstract
The present invention provides a kind of artificial intelligence arithmetic system for capital investment financing, it includes user information acquisition layer；Consumer's risk grade determines layer, establishes corresponding risk class according to the user information of above-mentioned user information acquisition layer；Fund selects layer, for select to meet from several funds of setting established standards as investment recommendation fund；Investment combination matching layer, the fund information for selecting from fund selection layer choosing form the different investment combination of risk using the calculated Investment portion of weight ratio；The consumer's risk grade is determined that the user of layer carries out matching with the investment combination of the investment combination matching layer and combines to obtain different matchings by capital project matching layer；And capital project generation layer.The consumer's risk grade is determined that the user of layer carries out matching with the investment combination of the investment combination matching layer and combines to obtain different matchings by the present invention, to realize that accurately selected fund combining weights are simultaneously, and, it is more accurate to the risk class classification of user, effectively accurate and good fund portfolio investment variety selection is equipped with to user.
Description
Technical field
The present invention relates to artificial intelligence application technical fields, specifically, being a kind of for capital investment financing field
Artificial intelligence arithmetic system method.
Background technique
It is that background information analysis and finance are carried out to investor by hedge-fund manager during traditional fund financing
Status analysis formulates the investment risk strategy for investment individual human, and is manually calculated according to the strategy and select to meet the investment
The fund combined recommendation of strategy is to client, then is placed an order according to the recommendation of hedge-fund manager by client and to buy fund and combine.Adjusting storehouse
In the case of, and by hedge-fund manager be periodically that selected fund is calculated again, the suggestion that whether adjust storehouse provided.Together
When, investment field there is also the systems approach that Semi-intelligent Modular fund is managed money matters, count automatically by the information inputted by system according to investor
Corresponding fund combination is calculated and matches, system itself can also calculate selected fund weight.
The Chinese patent of 106991611 A of Publication No. discloses a kind of work side of intelligence financing investment consultant robot
Method and its system, wherein method include：A, which is obtained, generates investment tactics, C investment tactics and user with processes user data, B
Match, mono- key of D place an order buy function, E maintenance with adjustment throw after investment tactics, the application utilize development of Mobile Internet technology, to user
The consulting service in financing of company formula is provided, understands the demand of user to the maximum extent, most reasonably and in maximum efficiency will most
Be suitble to the finance product of user to recommend user, and constantly track after user buys product user financing field growth with
And the variation of investment combination, the adjustment service of Portfolio Selection is constantly provided, the growth for making strategy that user can be suitble to different
Stage and different market environments, while the analysis on Achievements trace analysis tool of investment combination being provided, it allows users at any time
Easily check investment performance.
China's application of Publication No. 106251224A discloses a kind of fund portfolio investment management system, including application by
Subsystem, data administration subsystem and fund business subsystem are managed, further includes portfolio management subsystem；Application accepts subsystem use
In the application for receiving client's fund friendship portfolio investment；Data administration subsystem is for storing and managed fund product data and client
Request for data；Portfolio management subsystem includes data capture unit, data processing unit, fund combined result storage unit and knot
Fruit output unit, for being analyzed and processed to obtain fund combined result according to fund product data and client's request for data；Base
Golden business subsystem feeds back Transaction Information for being traded according to the fund combined result that portfolio management system exports
Portfolio management subsystem is given, and is transferred to data administration subsystem and is stored.This system produces client's request for data and fund
Product data fusion keeps system more targeted and accuracy into system, and can save tranaction costs.
But the fund financing method of above-mentioned Semi-intelligent Modular delimit more mould to the investment risk preference gradations of investor
Paste, and oppose receive have as investment combination fund selection it is relatively simple, therefore, selected fund combining weights are not smart
Really, moreover, classifying inaccurately to the risk class of user, the combination throwing of accurate and good fund effectively can not be equipped with to user
Provide variety selection.
Summary of the invention
In order to achieve the above-mentioned object of the invention, the present invention provides a kind of artificial intelligence arithmetic system for capital investment financing
Method recommends the base of accurate matching risk partiality range according to investor's risk partiality range is calculated in capital investment financing field
Gold combination, and can be implemented and adjust storehouse strategy, to meet the needs of being accurately positioned investor's risk partiality, and invests and produce in magnanimity
Intelligent completion fund combining weights calculating, fund combined recommendation, fund the demand for adjusting storehouse can be combined entirely in product, not only improved
The counting accuracy and matching degree of fund combination product, are greatly reduced time cost and human cost.
In order to achieve the above-mentioned object of the invention, the present invention provides a kind of artificial intelligence operation system for capital investment financing
System, it includes
User information acquisition layer, essential information and user for acquiring user test information；
Consumer's risk grade determines layer, establishes corresponding risk etc. according to the user information of above-mentioned user information acquisition layer
Grade；
Fund selects layer, for select to meet from several funds of setting established standards as investment recommendation fund；
Investment combination matching layer, the fund information for selecting from fund selection layer choosing are calculated using weight ratio
Investment portion forms the different investment combination of risk；
The consumer's risk grade is determined the user of layer and the institute of the investment combination matching layer by capital project matching layer
It states investment combination and carries out matching to obtain different matching combinations；And
Capital project generation layer, for exporting above-mentioned different matching combination to user interface.
Further, the user information acquisition layer includes：
Subscriber identity information acquisition unit；And
The customer investment preference information acquisition unit of problem information is measured comprising consumer's risk to set described in user's selection
The selection of Risk testing problem information is determined to judge and measure the investment risk consciousness of user.
Further, including risk class changing unit, user is according to the real-time monitoring market conditions of collection to the series
Risk category is modified to obtain the risk class for being more suitable for oneself.
Further, the consumer's risk grade determines that layer is worked using following procedure：
Firstly, providing the following module for user's selection：Save/anti-inflation modules A, pure stock/height fluctuation " B module and
Diversification configuration module C；
If client selects A, risk class is calculated as 1, and is directly entered " Gu receiving combination " risk class；
If client selects B, entering alternative module " passive index " or " active index " in next step, the former adds 1 point,
The latter adds 3 points, then immediately proceeds to the risk class of stock 1 or stock 2；
If client selects C, diversification configuration combination is entered, one module, each module are selected hence into one four
A counting basis is represented, next four modules for selecting one can be entered after client's selection, each option also respectively corresponds one
It counts basis to enter back into next four after client's selection and select a module, likewise, also there is counting basis；
Finally along with the score value of client age calculates, No. 1, No. 2, No. 3, No. 4, No. 5 five kinds of configuration risk class are obtained.
The investment combination matching layer employing mode work：
The fund that α (income) is positive number is first filtered out from the fund in fund pool；
The positive number fund is carried out to the index α that maximum return is calculated again and to mark fund by following equation,
Ri=(alpha+beta) * Pi,
Wherein,
Ri is the earning rate of fund moment i
Pi is market to target earning rate
α is the income of this fund itself
β is also to become mark income, that is, the income of 500 deep bids of Shanghai and Shenzhen 300 or middle card to mark income,
It is calculated by following equation and calculates earning rate under 800 deep bids of middle card：And it is earning rate combination (β 1, β
2,β3)：
Ri=Mi* β i+Pi* β 2+Vi* β 3
Wherein：
The earning rate at Ri fund i moment
The i moment earning rate in the market Mi 800
Vi is the i moment earning rate for being worth 800
Composition fund and weight are calculated and obtained using following equation,
arg min{∑(|Bi-βi|)÷∑(aj*Wj)}
Wherein：
Bi is that risk refers under middle card 800 of this fund combination on i time point；
β i is the standard risk index at 800 lower i time points of middle card；
α j refers to the maximum return on j time point；
Wj is the 0-100% proportional roles independently set,
Further, the matched five kinds of configurations risk class of the risk class matching unit institute can be repaired manually via user
Change.
Further, the weight ratio of the investment combination matching layer is configured to debt base, goods base, stock base.
Further, the composition fund can be modified according to market.
Provided by the present invention for capital investment financing artificial intelligence arithmetic system due to being determined using consumer's risk grade
Given layer come according to the user information of above-mentioned user information acquisition layer establish corresponding risk class and fund selection layer be used to from
Select to meet in several funds of setting established standards as investment recommendation fund, then pass through capital project matching layer, general
The consumer's risk grade determines that the user of layer match obtaining with the investment combination of the investment combination matching layer
It is combined to different matchings, to realize that accurately selected fund combining weights are simultaneously, moreover, the risk class classification to user is compared
Accurately, accurate and good fund portfolio investment variety selection effectively is equipped with to user.
Detailed description of the invention
Fig. 1 is the system block diagram of the artificial intelligence arithmetic system for capital investment financing of the invention.
Fig. 2 is the work flow diagram of the artificial intelligence arithmetic system for capital investment financing of the invention.
Fig. 3 is the work flow diagram that consumer's risk grade of the invention determines layer.
Fig. 4 be 4 grades of separated time investment funds of the invention investment weight when its match schematic diagram.
Fig. 5 be another 4 grades of separated time investment funds of the invention the investment weight more refined when its match schematic diagram.
Specific embodiment
Following term will be used in this application, and spy is defined as follows：
Shanghai and Shenzhen 300,：Hu-Shen 300 index is by Shanghai and Shenzhen stock exchange in the reflection Shanghai of joint publication on April 8th, 2005
The financial indicator of the deep establishment of 300 indexes target and operation conditions, and can be thrown as the evaluation criterion of investment performance for indexation
Money and index derivative product innovation provide basic condition.
Middle card 500：500 indexes of middle card：It is one of the index that Zhong Zheng index Co., Ltd is developed, sample space
Interior stock is by after 300 stock before rejecting Hu-Shen 300 index constituent stocks in whole A-shares and total market capitalisation ranking, total market capitalisation is arranged
500 forward stocks of name form, and the stock price of small cap company shows in a batch in concentrated expression China A share market.In
Also known as middle card 500 index of shallow bid of 500 indexes is demonstrate,proved, demonstrate,proves 500 in abbreviation.Middle card 800：800 indexes of middle card are limited by middle card index
Company's establishment, constituent stocks are made of together middle card 500 and 300 constituent stocks of Shanghai and Shenzhen, 800 index concentrated expression Shanghai and Shenzhens of middle card card
The integral status of big-and-middle small cap company in certificate market.
Value 800:Stock in middle card 800 is divided into value stock and growth stock, and value 800, which is exactly that middle card 800 is lower, is worth stock
The index of correlation, for example be worth 800 earning rates, be exactly valuable stock yield curve.
800：It is equal to 800 indexes of middle card, middle card 800 earning rate of market is exactly that the market of this all stock in the market is received
Beneficial rate.
Of the invention is described in detail with reference to the accompanying drawing.
The present invention provides a kind of artificial intelligence arithmetic system for capital investment financing, it includes：
Essential information and user for acquiring user test the user information acquisition layer 1 of information；
Layer 2 is determined according to the consumer's risk grade that above-mentioned user information establishes corresponding risk class；
For selecting the fund as investment recommendation fund for meeting established standards to select layer from several funds of setting
3；
Fund for selecting from above-mentioned fund selection layer choosing is believed and the calculated Investment portion of weight ratio is utilized to form risk
The investment combination matching layer 4 of different investment combinations；
The consumer's risk grade is determined to the user of layer and the above-mentioned investment combination progress of the investment combination matching layer
Matching is to obtain the combined capital project matching layer 5 of different matchings；And
Capital project generation layer 6, for exporting above-mentioned different matching combination to user interface.
The subscriber identity information that above-mentioned user basic information is related to can be from the identification card number of user or the bank of binding
Card number.(left upper divides fof layers) referring to fig. 2, above-mentioned user test information and determine especially by from the consumer's risk grade
The client of layer setting needs to acquire in the problem of answering information.
Further, the user information acquisition layer 1 includes：
Subscriber identity information acquisition unit；And
The customer investment preference information acquisition unit of problem information is measured comprising consumer's risk to set described in user's selection
The selection of Risk testing problem information is determined to judge and measure the investment risk consciousness of user.
Risk class changing unit 11, user according to the real-time monitoring market conditions of collection to the series of risk type into
To obtain the risk class for being more suitable for oneself, risk information adjusted feeds back to consumer's risk grade and determines layer 2 for row change.
A kind of artificial intelligence arithmetic system for capital investment financing, including user are provided referring to the present invention of Fig. 1 and 2
Risk class self-regulated unit, user is modified according to the real-time monitoring market conditions of collection to the series of risk type and oneself
I adjusts the risk class for more being met oneself.
Referring to figs. 2 and 3, consumer's risk grade determines that the specific workflow of layer 1 is as follows：
Firstly, following any basis risk information is selected according to user, such as：But it is not limited to, the anti-inflation of A " module, B is " pure
Stock, height fluctuation " module, C " diversification configuration module "；
If client selects A, risk class is calculated as 1, and is directly entered solid receipts combination (1).
If client selects B, entering alternative module " passive index " or " active index " in next step, the former adds 1 point,
The latter adds 3 points, then, is directly entered stock 1 or stock 2 combinations.
If client selects C, machine enters complicated diversification configuration combination, wherein by the time for being engaged in investment of user
Length is divided into 4 stages progress grade score：Within 6 months, -1 year 6 months, 1-3 and 3 year or more, client carries out 4 choosings
One selection, obtains corresponding fraction levels according to selection：
Within 6 months, -1 point is counted；
- 1 year 6 months, count 0 point；
1-3 counts 1 point；And
3 years or more, count 2 points.
Following 4 grades will be divided into according to the investment experiences of user below, and be divided under correspondence according to 4 investment experiences of user
Column 4 corresponding investment experiences grades (score), so that user 4 selects 1：
New hand：New hand is invested, based on bank savings：Score -1；
It is unfamiliar with the stage, stock and fund were all bought, and do not known：Score 0；
It does some researches：Score 1；And
Invest old driver (familiar)：Score 3.
In this way, user by enter back into next one four select one program, the theory of investment of user is divided into 4 etc.
Grade, and score：
Assets hedge counts -3 points；
Steady increment, counts -1 point；
It obtains compared with high yield, counts 1 point；And
High yield is won, counts 5 points.
After client's selection, enters back into next four and select a module：
Then according to the age of subscriber identity information, 3 age brackets is classified as, are scored respectively：
First age bracket：Less than 30,1 point is counted；
Second age bracket：Greater than 30, less than 60,0 point is counted；And
The City Age III：Greater than 60, -2 points are counted.
It selects the 3 of a step and age determination to select a step by above-mentioned 34, show that the corresponding risk class of user (divides
Number grade) it is input to capital project matching layer 5.
Referring back to the right-hand component of Fig. 2, fund selection layer 3 is used to the selection from several funds of setting and meets established standards
Be used as investment recommendation fund, wherein for Shanghai and Shenzhen 300, it is middle card 500 and it is middle card 800, so that investment combination matching layer 4 is divided
Analysis and processing.
Above-mentioned investment combination matching layer 4 is worked using following procedure：
Firstly, selecting the fund of layer 3 to filter out income index α first as the fund of positive number in fund according to following equation, it is somebody's turn to do
Fund (each fund) again and to mark fund (i.e.：Shanghai and Shenzhen 300, the income of middle card 500) are calculated：
Ri=(alpha+beta) * Pi, wherein
Ri is the earning rate of fund moment i
Pi is market to target earning rate
α is the income of this fund itself
β is also to become mark income, that is, the income of 500 deep bids of Shanghai and Shenzhen 300 or middle card to mark income,
Fund choose selection α overgauge it is maximum that, illustrate that this fund relative to market standard income is highest.
In this way, the α maximum return for a fund being calculated under middle card 800.
It calculates to mark income β：
In order to further increase the calculating of income, light obtain α be it is inadequate, because of the plate of Shanghai and Shenzhen 300 or middle card 500
Smaller, fund quantity is few, so reference value is low, calculates earning rate (namely under 800 deep bids of middle card so being introduced into simultaneously
The block diagram of that cloudlet of top).This formula with currently on the market other calculate return on funds formula compared with, the most succinctly+
Accurately, common return on funds formula is if the parameter used is less than 3, and calculating accurate rate is generally 80%, here
The formula accurate rate used can also have other calculation formula to 90% in the market, but need to use to ten multiple parameters, efficiency
It is lower.1 computing module of fund β of the invention using this following formula calculate purpose be obtain it is middle card 800 under earning rate, and
And it is an earning rate combination (β 1, β 2, β 3)：
Ri=Mi* β i+Pi* β 2+Vi* β 3
Wherein,
The earning rate at Ri fund i moment
The i moment earning rate in the market Mi 800
Vi is the i moment earning rate for being worth 800
By above-mentioned calculating, the module of the lower maximum gain of middle card 800 under same risk is calculated.
Calculation risk minimizes module
On the basis of calculating earning rate β under 800 deep bids of above-mentioned Shanghai and Shenzhen 300,500 growth factor α of middle card and middle card, utilize
Following equation calculation risk minimizes, and is that fund case calculates, and becomes fund combination to this module and calculates：
arg min{∑(|Bi-βi|)÷∑(aj*Wj)}
Wherein, calculated result of the α in this formula and β both from both the above module
Bi is that risk refers under middle card 800 of this fund combination on i time point；
β i is the standard risk index at 800 lower i time points of middle card；
α j refers to the maximum return on j time point；
Wj is the 0-100% proportional roles independently set.
The purpose of the formula is to meet molecule (part that this group of fund undertakes more) minimum, denominator (this group of mutual fund earnings portion
Point) maximum.After obtaining aforementioned data, what this formula obtained is one group of linear data, and the weight of each ratio can correspond to one group
Fund product, and the ratio and data of product proportion are obtained, to obtain various investment combination fund allocation lists.
For example, with reference to Fig. 4, by calculating, the investment weight ratio of 4 grades of risk of fund product：Bond 27.38%, stock
45.07%, currency 27.55%.Further, the bond in the investment weight ratio of above-mentioned each fund product, stock, currency
In, and can be made of respectively different types of bond, stock, currency according to certain weight ratio, referring to Fig. 5.
The investment product of above-mentioned difference weight ratio is input to capital project matching layer 5.
Capital project matching layer 5 is by the obtained fund product of investment combination matching layer 4 according to the size of risk and return relationship between
Classify, the obtained consumer's risk grade of layer 2 and investment combination matching layer 4 are then determined according to above-mentioned consumer's risk grade
Above-mentioned investment funds combination carries out matching and obtains fund product to provide the user with appropriate investment combination.The investment group of the recommendation
Conjunction is formed in capital project generation layer 6 and selects for user, and the capital project of user is formed after selection.
It should be noted last that the above examples are only used to illustrate the technical scheme of the present invention and are not limiting.Although ginseng
It is described the invention in detail according to embodiment, those skilled in the art should understand that, to technical side of the invention
Case is modified or replaced equivalently, and without departure from the spirit and scope of technical solution of the present invention, should all be covered in the present invention
Scope of the claims in.
Claims (7)
1. a kind of artificial intelligence arithmetic system for capital investment financing, which is characterized in that it includes：
Essential information and user for acquiring user test the user information acquisition layer of information；
Layer is determined according to the consumer's risk grade that above-mentioned user information establishes corresponding risk class；
For selecting the fund as investment recommendation fund for meeting established standards to select layer from several funds of setting；
Fund for selecting from above-mentioned fund selection layer choosing is believed and the calculated Investment portion of weight ratio is utilized to form risk difference
Investment combination investment combination matching layer；
The consumer's risk grade is determined that the user of layer matches with the above-mentioned investment combination of the investment combination matching layer
To obtain the combined capital project matching layer of different matchings；And
Capital project generation layer, for exporting above-mentioned different matching combination to user interface.
2. the artificial intelligence arithmetic system for capital investment financing as described in claim 1, which is characterized in that the user
Information collection layer includes：
Subscriber identity information acquisition unit；And
Customer investment preference information acquisition unit comprising consumer's risk measurement problem information selects the setting wind so as to user
The selection of danger measurement problem information is to judge and measure the investment risk consciousness of user.
3. the artificial intelligence arithmetic system for capital investment financing as described in claim 1, which is characterized in that further include one
Risk class changing unit, user according to the real-time monitoring market conditions of collection to the series of risk type be modified to
The risk class for being more suitable for oneself is obtained, risk information adjusted feeds back to consumer's risk grade and determines layer.
4. the artificial intelligence arithmetic system for capital investment financing as described in claim 1, which is characterized in that the user
Risk class determines that layer is worked using following procedure：
Firstly, providing the following module for user's selection：Save/anti-inflation modules A, pure stock/height fluctuation " B module and polynary
Change configuration module C；
If client selects A, risk class is calculated as 1, and is directly entered " Gu receiving combination " risk class；
If client selects B, enter alternative module " passive index " or " active index " in next step, the former adds 1 point, the latter
Add 3 points, then immediately proceeds to the risk class of stock 1 or stock 2；
If client selects C, diversification configuration combination is entered, one module, each module represents are selected hence into one four
One counting basis, can enter next four modules for selecting one after client's selection, each option also respectively corresponds a counting
Basis enters back into next four and selects a module after client's selection, likewise, also there is counting basis；
Finally along with the score value of client age calculates, No. 1, No. 2, No. 3, No. 4, No. 5 five kinds of configuration risk class are obtained.
5. the artificial intelligence arithmetic system for capital investment financing as described in claim 1, which is characterized in that the investment
The work of combinations matches layer employing mode：
The fund that α (income) is positive number is first filtered out from the fund in fund pool；
The positive number fund is carried out to the index α that maximum return is calculated again and to mark fund by following equation,
Ri=(alpha+beta) * Pi,
Wherein,
Ri is the earning rate of fund moment i
Pi is market to target earning rate
α is the income of this fund itself
β is also to become mark income, that is, the income of 500 deep bids of Shanghai and Shenzhen 300 or middle card to mark income,
It is calculated by following equation and calculates earning rate under 800 deep bids of middle card：And it is earning rate combination (β 1, β 2, β
3)：
Ri=Mi* β i+Pi* β 2+Vi* β 3
Wherein：
The earning rate at Ri fund i moment
The i moment earning rate in the market Mi 800
Vi is the i moment earning rate for being worth 800
Composition fund and weight are calculated and obtained using following equation,
arg min{∑(|Bi-βi|)÷∑(aj*Wj)}
Wherein：
Bi is that risk refers under middle card 800 of this fund combination on i time point；
β i is the standard risk index at 800 lower i time points of middle card；
α j refers to the maximum return on j time point；
Wj is the 0-100% proportional roles independently set.
6. the artificial intelligence arithmetic system for capital investment financing as described in claim 1, which is characterized in that the investment
The weight ratio of combinations matches layer is configured to debt base, goods base, stock base.
7. the artificial intelligence arithmetic system for capital investment financing as described in claim 1, which is characterized in that the combination
Ingredient fund can be modified according to market.
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| CN110335057A (en) * | 2019-04-30 | 2019-10-15 | 广发证券股份有限公司 | A kind of fund Precision Marketing Method that machine learning is merged with artificial rule |
| CN111353898A (en) * | 2020-03-31 | 2020-06-30 | 中国建设银行股份有限公司 | Product data processing method and device |
| WO2020155786A1 (en) * | 2019-01-29 | 2020-08-06 | 阿里巴巴集团控股有限公司 | Resource configuration method and apparatus, and electronic device |
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| CN112434216A (en) * | 2020-11-13 | 2021-03-02 | 北京创业光荣信息科技有限责任公司 | Intelligent investment project recommendation method and device, storage medium and computer equipment |
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