中国智能投顾的发展现状及监管对策

The development status of China's intelligent investment and its countermeasures

2016年以来,中国许多一站式理财平台纷纷推出智能投顾概念,致力于为投资者提供自动化、智能化投资服务,提升客户体验,增大客户粘性。分析目前行业发展面临的问题,中国智能投顾监管应明确相关监管法规,为智能投顾的规范发展提供良好的法律环境;明确相关业务的资质和牌照,保持对市场的密切关注;对智能投顾进行行为监管,增强对从业资格的管理;建立智能投顾的核心评价指标,避免发生系统性风险完善市场信息披露制度,促进智能投顾健康发展。

Since 2016, many comprehensive financial plattorms in China have launched a ＂robo-advisor＂ concept, which is committed to provide investors with automation and intelligent investment services to improve customer experience and increase customer stickiness. This paper analyzed the development background and characteristics of the roboadvisor and introduced the current status in China, and analyzed the current problems in development of the industry; at last, put forward the related suggestions of supervision.