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基于用户的理财需求、财务实力、风险偏好等信息,通过计算机数据模型形成标准化投资建议而产生的智能投资顾问,对多层次金融市场的完善具有良好的补充作用。但因监管规则滞后,制度基础不够完善,自身运作流程缺乏制约机制带来的风险对智能投资顾问的发展产生了阻碍作用。通过完善相应的基础制度,制定监管规则与制约流程再造对于规避智能投资顾问的风险具有积极意义。
Based on the user’s financial needs, financial strength, risk appetite and other information, through the formation of computer data model standardized investment advice arising from the intelligent investment advisers, on the improvement of multi-level financial markets have a good complement. However, due to the lagging regulatory rules, the imperfect system foundation and the lack of control mechanism, the risk brought by the lack of control mechanism has hindered the development of intelligent investment advisors. By improving the corresponding basic system, setting regulatory rules and restricting process reengineering are of positive significance for avoiding the risk of intelligent investment advisors.