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  核心提示: 中国银行推出智能投资顾问产品——“中银慧投”,依托人工智能和大数据技术,面向广大用户提供优质...
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中国银行推出智能投资顾问产品——“中银慧投”,依托人工智能和大数据技术,面向广大用户提供优质、专业和便捷的个性化资产配置服务。中行副行长刘强表示,推出“中银慧投”,一方面是从市场和客户的需求出发,对财富管理业务的完善和提升;另一方面是对中行“科技引领、创新驱动”发展战略的积极响应和具体落实。

  近年来,随着国内金融科技和人工智能技术的突飞猛进和迭代更新,再加上监管层对于打破刚性兑付理念的引导,智能投顾在银行、基金、证券和第三方财富管理机构中的应用逐步迈入实务阶段,开始真正为更多客户提供需求适配的资产配置建议和资产组合推荐服务。

The Bank of China has launched a smart investment consultant product, "China silver Hui investment", relying on artificial intelligence and large data technology to provide customers with high quality, professional and convenient personalized asset allocation services. Liu Qiang, vice president of China bank, said that the introduction of "China silver Hui investment", on the one hand, from the demand of the market and customers, the improvement and promotion of wealth management business, on the other hand, is the positive response and concrete implementation of the "technology leading, innovation driven" development strategy of the Bank of China.

In recent years, with the rapid progress and iterative renewal of domestic financial technology and artificial intelligence technology, and the guidance of the regulatory layer to break the concept of rigid cash payment, the application of Intelligent Customers in the banking, fund, securities and third party wealth management institutions is gradually entering the practical stage, and it is starting to really provide demand for more customers. Adaptable asset allocation proposals and portfolio recommendation services.

  商业银行的智能投顾产品中,招商银行的摩羯智投最早上线且发展迅速。该行在2017年财报中表示,该产品上线以来呈现“低波动、稳增长”的业绩优势,目前已成为国内规模最大的智能投顾产品。此外,2017年5月份,兴业银行上线“兴业智投”;2017年11月份,工行宣布上线“AI投”;2017年12月份,中信银行智能投顾系统“灰度”在其手机app端上线。在第三方机构推出的产品中,美国纳斯达克上市的财经互联网公司金融界旗下的智能投顾品牌灵犀智投最具看点。《证券日报》记者获得的数据显示,2017年1月份至2018年4月12日,灵犀智能产品风险等级从1级至20级,分别对应取得了5.43%—24.04%的累计收益率,远远跑赢了上证综指同期涨幅(2.47%)。Intelligent investment products of commercial bank, China Merchants Bank was the most Capricorn Chi morning line and rapid development. The bank said in its 2017 financial statement that the product has shown its "low volatility and steady growth" performance advantage since its launch, and has now become the largest smart customer in China. In addition, in May 2017, Xingye Bank launched "Xingye intelligence investment"; in November 2017, the industry bank announced the "AI investment"; in December 2017, the "gray" of CITIC Bank's intelligent customer system was on-line in the app end of its mobile phone. Among the products launched by the third party organizations, the financial intelligence of Internet Co, which is listed on Nasdaq, is the most intelligent investment brand. The data obtained by the "Securities Daily" reporter showed that from January to April 12, 2018 2017, the risk grade of smart smart products from 1 to 20 levels, respectively corresponding to the cumulative yield of 5.43% - 24.04%, far won the Shanghai Composite Index (2.47%).

  本次中行虽然是新加入战局,但出手不凡。据了解,2017年初,中行就在集团内部成立了智能投顾开发项目组,专门推进“中银慧投”的产品研发工作。“中银慧投”产品于2017年底内部测试投产,经历多轮测试、反复打磨,持续修正智能模型、考量组合业绩、完善产品功能后,最终定于4月19日正式在全国范围内发布。“中银慧投”主要采取自主研发的开发思路,一是人工智能和专家智慧的紧密结合,以人工干预动态修正系统可能的偏差;二是线上线下的紧密融合,使客户的服务体验链条更加完整;三是全球化视野。依托中行国际化、多元化优势,“中银慧投”将覆盖全币种、全市场的投资标的,真正为客户把握全市场的投资机会。

  此次“中银慧投”的上线发布,意味着中行将大象起舞、主动转型,拥抱金融科技,通过科技引领和创新驱动,实现增长动力的换挡变道和发展模式的转型升级。

Although this bank is new to join the war, it has made extraordinary efforts. It is understood that in early 2017, Bank of China set up an intelligent investment development project group within the group to promote the research and development of "Bank of China investment". The "China silver Hui investment" product was put into operation at the end of 2017. After many rounds of testing and repeated grinding, the product was continuously revised and completed in April 19th. "China silver Hui investment" mainly adopts the development idea of independent research and development, one is the close combination of artificial intelligence and expert wisdom, and the possible deviation of the dynamic correction system by artificial intervention; two is the close integration under the line and line to make the customer service experience chain more complete; and the three is the global vision. Relying on the international and diversified advantages of China bank, the "China silver Hui investment" will cover the whole currency and all market investment targets, and truly seize the market investment opportunities for customers.

The launch of the "China silver Hui investment" line means that the central bank will dance the elephant, take the initiative to transform, embrace the financial science and technology, and drive through scientific and technological guidance and innovation to realize the transformation and upgrading of the changing way and development mode of the growth power.

  不过,虽然各方看好智能投顾市场未来发展,但其目前也面临一些问题。中国银行财富管理与私人银行部总经理刘敏表示,任何新生事物都有一个逐渐被接受的过程,客户能不能真的放心把钱交给一台机器或者一套系统来管理,这个需要意识的转变和观念的培育。这就要求我们要高标准、严要求,稳打稳扎,对客户更加有担当,不断提升智能投顾服务能力,同时合理引导客户接触和理解资产配置理念和这种便捷的互联网财富管理服务模式;此外,中国的资本市场与发展时间还较短、市场波动性较高,一定程度上会对智能投顾的发展产生一定影响。同时,国内市场投资产品ETF数量较少,以主动管理为主,想更好地让产品与市场匹配,就需要对每只产品做好风格检验。However, although the parties are optimistic about the future development of smart investment market, but it is also facing some problems. Liu Min, the general manager of the wealth management and Private Banking Department of the Bank of China, said that any new thing has a gradual process of acceptance, and the customer can not really trust the money to a machine or a system to manage, this change of consciousness and the cultivation of ideas. This requires us to have high standards, strict requirements, stable and stable, more affordable to customers, to improve the ability of intelligent customer service, and to guide customers to contact and understand the concept of asset allocation and the convenient Internet wealth management service mode; in addition, China's capital market and development time is short, City A higher volatility, to a certain extent affect the development of the intelligent investment adviser. At the same time, the number of domestic market investment products ETF is less, taking the initiative management as the main part. In order to better match the product with the market, it is necessary to do a good style test for each product.

  值得关注的是,去年央行联合多部门下发的资管新规(征求意见稿)对智能投顾进行了明确,并确立了基本的监管规范。金融界副总裁兼智能金融业务总经理何剑波对《证券日报》记者表示,“目前金融科技的力量在深刻改变着财富管理行业,智能投顾是一个典型的代表。随着我国居民可投资资产的快速增长,如何让财富保值增值,已成为普通家庭必须面对的问题,而智能投顾为此提供了完美的解决方案,使得大众可以低成本地享受到专业、高效、便捷的财富管理服务。特别是在当前资管新规打破了刚性兑付的背景下,能够良好对冲风险的智能投顾产品必然会受到市场的认可,并在我国快速发展”。It is worth noting that the central bank's new management rules (drafts) issued by the central bank last year are clear and the basic regulatory norms have been established. He Jianbo, the vice president of Finance and the general manager of the financial business, told the reporter of the Securities Daily. "The power of financial science and technology is changing the wealth management industry deeply, and the intelligent investment is a typical representative." With the rapid growth of the investment assets of the residents in China, how to keep the value of the wealth and increase the value has become a problem that the ordinary family must face, and the intelligent customers have provided the perfect solution for this, so that the public can enjoy the professional, efficient and convenient wealth management services. In particular, under the background of the new management new regulations breaking the rigid payment, the products that can hedge the risk well will be recognized by the market and develop rapidly in our country.

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