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智能投资是基于人工智能的现代化方法,利用计算系统的大数据组合投资策略完成自动计算和匹配组合的合理建议。自2008年以来,围绕美国和欧洲各国相继成立的一系列以提供线上资产管理服务为主的智能投顾公司开启了专业的计费投资咨询服务。智能投顾这一概念是在2015年被引入到中国的,这一概念在国内迅速得到了发展并使得整个行业都开始重视。本文旨在介绍智能投顾的概念和发展现状,以及智能投顾的服务模式,包括智能投顾的服务目标、服务流程框架,还有就是智能投顾在未来能够迅速发展的重要原因和意义。通过对于智能投顾的发展现状分析,对未来智能投顾的发展前景进行了预测和展望。
Intelligent investment is a modern method based on artificial intelligence, and uses the big data portfolio investment strategy of the computing system to complete the reasonable suggestion of automatic calculation and matching combination. Since 2008, a series of intelligent investment consulting companies focusing on the provision of online asset management services around the United States and European countries have opened up professional billing investment advisory services. The concept of smart gambling was introduced to China in 2015, a concept that rapidly developed domestically and made the industry as a whole. The purpose of this article is to introduce the concept and development status of smart investment advisors as well as the service models of smart investment advisers, including the service targets and service process framework of smart investment advisers, and the important reasons and significance of smart investment advisers’ rapid growth in the future. Through the analysis of the current situation of the development of intelligent investment consulting, the prospects of the future development of intelligent investment management are forecasted.