摘要
目前,银行理财产品向净值化转型,传统的刚性兑付制度被打破,保本保收益理财产品的可靠性逐渐降低。传统银行业的优势不复存在,不少商业银行正在积极转型,大力发展电子银行业务。与此同时,新的互联网金融产品陆续推出,智能投顾就是其中之一。在此背景下,投资人将更加依赖通过智能投顾发挥资产配置的艺术,依靠大数据、云计算等金融科技为支撑,分散投资于不同的资产类型,以规避风险实现高收益。此外,本文以摩羯智投为例对智能投顾进行分析,并提出当前面临的挑战。一旦这些问题得到解决,未来我国也将开启智能投顾的新时代。
At present,bank wealth management products are transforming to net worth,the traditional rigid payment system has been broken,and the reliability of capital-guaranteed and income-guaranteed wealth management products has gradually decreased.In addition,the advantages of traditional banking no longer exist,and many commercial banks are actively transforming and developing e-bank vigorously.At the same time,new Internet financial products are being launched one after another,and robo-advisors are one of them.In this context,investors will rely more on the art of asset allocation through robo-advisors,relying on big data,cloud computing and other financial technologies as support,and diversify investment in different asset types to avoid risks and achieve high returns.In addition,the article analyzes roboadvisors by taking Machine Gene Investment as an example,and proposes the current challenges.Once these problems are resolved,China will surely be able to take advantage of the new blue ocean in the future and open up a new era of roboadvising.
作者
吴孟珂
WU Mengke(Yibin University Yibin,Sichuan 644000)
出处
《中国商论》
2023年第1期136-138,共3页
China Journal of Commerce
关键词
金融科技
智能投顾
资产配置
摩羯智投
挑战
robo-advisor
asset allocation
machine gene investment
financial technology
challenges
