金融科技在资产管理中的应用及风险防范发展现状——以“智能投顾”为例

The application of financial science and technology in asset management and the development of risk prevention——Take “intelligent investment adviser” as an example

金融科技依托大数据、区块链等高新技术与传统的金融行业融合,不仅能降低成本、提高传统金融行业的效率和收入,还能在商业模式中不断创新、衍生出新的业务机会,其中就包括资产管理的应用。当下新兴技术促进财富管理变革的同时,"高门槛、高收费"的传统投资顾问模式已无法适应我国普惠金融的发展需求。因此,拥有门槛低、费率低且信息透明度高等优势特征的智能投资顾问平台在我国应运而生。然而从国际上来看,当前金融科技的发展及研究并不平衡。从国内外智能投顾市场研究现状的角度出发,对金融科技在资产管理中的应用和风险管理展开研究评述。

Relying on the integration of big data,blockchain and other high-tech and traditional financial industries,financial technology can not only reduce costs and improve the efficiency and income of traditional financial industries,but also continuously innovate and generate new business opportunities in business models,including the application of asset management.At the same time,the traditional investment advisory mode of"high threshold,high charge"can not meet the development needs of inclusive finance in China.Therefore,the intelligent investment advisory platform with the advantages of low threshold,low rate and high information transparency has emerged in China.However,from the international point of view,the current development and research of financial technology is not balanced.This paper reviews the application of financial science and technology in asset management and risk management from the perspective of the research status of smart investment market at home and abroad.