{"id":2430,"date":"2016-09-28T12:51:38","date_gmt":"2016-09-28T04:51:38","guid":{"rendered":"http:\/\/blog2.tibame.com\/?p=2430"},"modified":"2022-04-08T18:19:42","modified_gmt":"2022-04-08T10:19:42","slug":"fintech-%e9%97%9c%e6%96%bc%e6%a9%9f%e5%99%a8%e4%ba%ba%e7%90%86%e8%b2%a1robo-advisor%e6%b7%ba%e8%ab%87","status":"publish","type":"post","link":"https:\/\/blog.tibame.com\/?p=2430","title":{"rendered":"FinTech \u95dc\u65bc\u6a5f\u5668\u4eba\u7406\u8ca1(Robo Advisor)\u6dfa\u8ac7"},"content":{"rendered":"<p>\u96a8\u8457\u79d1\u6280\u7684\u767c\u5c55\uff0c\u5927\u5bb6\u7684\u5b58\u6d3b\u5e74\u9f61\u4e5f\u90fd\u8d8a\u4f86\u8d8a\u9577\uff0c\u5982\u4f55\u898f\u5283\u9000\u4f11\u751f\u6d3b\uff0c\u5df2\u7d93\u662f\u4e00\u4ef6\u76f8\u7576\u523b\u4e0d\u5bb9\u7de9\u7684\u4e8b\u60c5\u3002\u7136\u800c\u898f\u5283\u9000\u4f11\u751f\u6d3b\uff0c\u6700\u91cd\u8981\u7684\u4e00\u4ef6\u4e8b\u5c31\u662f\u662f\u5426\u6709\u9810\u5b58\u8db3\u5920\u7684\u9000\u4f11\u91d1\u3002<!--more--><\/p>\n<p>\u9019\u500b\u554f\u984c\u4e0d\u662f\u73fe\u5728\u624d\u51fa\u73fe\uff0c\u800c\u662f\u65e9\u5df2\u51fa\u73fe\u5728\u6b50\u7f8e\u9019\u4e9b\u570b\u5bb6\uff0c\u5728\u6b50\u7f8e\u65e5\u9019\u4e9b\u5148\u9032\u7684\u767c\u5c55\u6027\u570b\u5bb6\u90fd\u6709\u8907\u96dc\u7684\u7a05\u52d9\u554f\u984c\uff0c\u5176\u4e2d\u6295\u8cc7\u80a1\u7968\u3001\u50b5\u5238\u3001\u623f\u5730\u7522\u90fd\u6709\u5be6\u73fe\u8cc7\u672c\u5229\u5f97\uff0c\u6b64\u5916\u4e00\u822c\u7684\u6295\u8cc7\u5e33\u6236\u8207\u9000\u4f11\u5e33\u6236\u578b\u7684\u7a05\u8ce6\u662f\u6709\u6240\u4e0d\u540c\u7684\u3002\u65e9\u671f\u4ee5\u5f80\u9019\u7a2e\u8907\u96dc\u7684\u8ce6\u7a05\u8a08\u7b97\u662f\u9700\u8981\u6709\u5c08\u696d\u7684\u4eba\u58eb\u898f\u5283(\u5982<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%89%B9%E8%AE%B8%E9%87%91%E8%9E%8D%E5%88%86%E6%9E%90%E5%B8%88\">CFA<\/a>\u3001<a href=\"http:\/\/www.fpat.org.tw\/2_know_cfp\/Know_cfp.htm\">CFP<\/a>\u3001CAP\u7b49)\uff0c\u624d\u80fd\u5920\u7372\u5f97\u89e3\u6c7a\u3002\u6b64\u5916\uff0c\u8981\u9032\u884c\u4e00\u500b\u5408\u9069\u7684\u9577\u671f\u6295\u8cc7\u898f\u5283\uff0c\u5408\u683c\u7684\u6295\u8cc7\u9867\u554f\u9996\u5148\u8981\u9032\u884c\u7684\u662f\u77ad\u89e3\u5ba2\u6236\uff0c\u5c31\u662f\u6240\u8b02\u7684<a href=\"https:\/\/en.wikipedia.org\/wiki\/Know_your_customer\">KYC(know your customer)<\/a>\uff0c\u5408\u683c\u7684\u6295\u8cc7\u9867\u554f\u6703\u900f\u904e\u4e00\u4e9b\u554f\u984c\u77ad\u89e3\u5ba2\u6236\u8ca1\u52d9\u72c0\u614b\u3001\u98a8\u96aa\u504f\u597d\u4ee5\u53ca\u5c0d\u672a\u4f86\u9000\u4f11\u7684\u898f\u5283\uff0c\u7d93\u904e\u591a\u6b21\u7684\u6703\u8ac7\u9032\u884c\u4e86\u89e3\uff0c\u624d\u80fd\u5920\u63d0\u4f9b\u5ba2\u6236\u9069\u5408\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u914d\u5408\u6bcf\u4e00\u500b\u5ba2\u6236\u5404\u7a2e\u4e0d\u540c\u7684\u7406\u8ca1\u9700\u6c42\uff0c\u6295\u8cc7\u671f\u9593\u9577\u77ed\u4e5f\u6709\u6240\u4e0d\u540c\uff0c\u5728\u900f\u904e\u4e0d\u540c\u8cc7\u7522\u914d\u7f6e\u8207\u5c0d\u98a8\u96aa\u7684\u627f\u64d4\uff0c\u904b\u7528\u6295\u8cc7\u7d44\u5408\u7684\u8abf\u6574\u8b8a\u5316\uff0c\u63d0\u4f9b\u9069\u6642\u4f55\u5b9c\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u6700\u5f8c\u624d\u80fd\u5e6b\u52a9\u5ba2\u6236\u9054\u6210\u6295\u8cc7\u76ee\u6a19\u3002\u904e\u5f80\u9019\u4e9b\u52d5\u4f5c\u90fd\u9700\u8981\u8a31\u591a\u6709\u7d93\u9a57\u7684\u5c08\u5bb6\uff0c\u9032\u884c\u8907\u96dc\u7684\u8a08\u7b97\u624d\u80fd\u5920\u63d0\u4f9b\u5efa\u8b70\u7d66\u6295\u8cc7\u4eba\uff0c\u7576\u7136\u6240\u9700\u7684\u8cbb\u7528\u5f80\u5f80\u4e5f\u6bd4\u8f03\u6602\u8cb4\u3002\u56e0\u6b64\u8a31\u591a\u6295\u8cc7\u670d\u52d9\u4e5f\u5927\u591a\u53ea\u5b58\u5728\u65bc\u91d1\u5b57\u5854\u9ad8\u968e\u7684\u5ba2\u6236\u3002<\/p>\n<p>\u7136\u800c\u5728\u667a\u80fd\u5b78\u7fd2(<a href=\"https:\/\/en.wikipedia.org\/wiki\/Machine_learning\">Machine Learning<\/a>\u3001<a href=\"https:\/\/en.wikipedia.org\/wiki\/Deep_learning\">Deep Learning<\/a>)\u3001<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E5%A4%A7%E6%95%B8%E6%93%9A\">\u5927\u6578\u64da(Big Data)<\/a>\u3001<a href=\"https:\/\/zh.wikipedia.org\/wiki\/%E7%AE%97%E6%B3%95\">\u6f14\u7b97\u6cd5<\/a>\u9019\u4e9b\u5206\u6790\u65b9\u6cd5\u84ec\u52c3\u767c\u5c55\u4e0b\uff0c\u6a5f\u5668\u4eba\u7406\u8ca1(<a href=\"https:\/\/en.wikipedia.org\/wiki\/Robo-advisor\">Robo Advisor<\/a>)\u5b55\u80b2\u800c\u751f\uff0c\u9019\u9805\u7522\u751f\u5df2\u7d93\u5c0d\u6574\u500b\u7406\u8ca1\u5e02\u5834\u4e0a\u7522\u751f\u76f8\u7576\u5927\u7684\u9707\u64bc\u3002\u6a5f\u5668\u4eba\u7406\u8ca1\u7684\u50f9\u503c\u662f\u628a\u627e\u51fa\u4e0a\u8ff0\u9019\u4e9b\u5c08\u5bb6\u5224\u65b7\u898f\u5247\u5957\u7528\u5728\u6f14\u7b97\u6cd5\uff0c\u8b93\u540c\u6a23\u7684\u5224\u65b7\u908f\u8f2f\u80fd\u66f4\u5ee3\u6cdb\u4e5f\u66f4\u5373\u6642\u7684\u53cd\u61c9\u5728\u6bcf\u500b\u5ba2\u6236\u7684\u8cc7\u7522\u914d\u7f6e\u4e0a\uff0c\u8b93\u4e0d\u540c\u5ba2\u6236\u7684\u7279\u6b8a\u9700\u6c42\u90fd\u80fd\u5feb\u901f\u9023\u52d5\u8cc7\u7522\u914d\u7f6e\u3002\u4f4e\u6210\u672c\u66f4\u662f\u6295\u8cc7\u6a5f\u5668\u4eba\u7406\u8ca1\u53e6\u4e00\u500b\u512a\u9ede\u3002\u76ee\u524d\u5927\u90e8\u5206\u7684\u6a5f\u5668\u4eba\u7406\u8ca1\u5c0d\u6295\u8cc7\u4eba\u6240\u6536\u53d6\u7684\u8cbb\u7528\u53ea\u5360\u8cc7\u91d10.2%\u81f31%\u751a\u81f3\u514d\u8cbb\uff0c\u6bd4\u79c1\u4eba\u9280\u884c\u5411\u5bcc\u88d5\u5ba2\u6236\u6536\u53d6\u7684\u8cbb\u7528\uff0c\u6216\u91d1\u878d\u6a5f\u69cb\u5f9e\u73fe\u6709\u5305\u7ba1\u5e33\u6236\u6536\u53d6\u76842%\u81f33%\u4f63\u91d1\uff0c\u90fd\u9084\u4fbf\u5b9c\u8a31\u591a\u3002<\/p>\n<p>\u76ee\u524d\u73fe\u5728\u5e02\u9762\u4e0a\u7684\u6a5f\u5668\u4eba\u7406\u8ca1\u5927\u591a\u662f\u81ea\u5efa\u7814\u7a76\u5718\u968a\uff0c\u591a\u4ee5\u5ba2\u89c0\u5b78\u8853\u7684\u65b9\u5f0f\u53bb\u914d\u7f6e\u904b\u7528\u8cc7\u7522\uff0c\u4e14\u5927\u90e8\u5206\u90fd\u9078\u7528<a href=\"https:\/\/zh.wikipedia.org\/wiki\/ETF\">ETF<\/a>\u4f5c\u70ba\u6295\u8cc7\u6a19\u7684\u3002\u7f8e\u570b\u6295\u8cc7\u516c\u53f8\u5df2\u6709\u8d85\u904e200\u5bb6\u6295\u8cc7\u516c\u53f8\u900f\u904e\u9019\u7a2e\u65b9\u5f0f\u7ba1\u7406\u7d04400\u5104\u7f8e\u5143\u8cc7\u7522\u3002\u53e6\u5916\u50cf\u662f\u65e5\u672c\u7684\u00a0<a href=\"https:\/\/www.money-design.com\/\">MONEY DESIGN<\/a> \u63a8\u51fa\u7684\u00a0<a href=\"https:\/\/theo.blue\/\">THEO<\/a>\u00a0\u85c9\u75317\u500b\u7c21\u55ae\u7684\u554f\u984c\uff0c\u4f60\u73fe\u5728\u5e7e\u6b72\u3001\u6253\u7b97\u5e7e\u6b72\u9000\u4f11\u3001\u6295\u8cc7\u7d93\u9a57\u8c50\u5bcc\u8207\u5426\u3001\u5c0d\u80a1\u5229\u3001\u5c0d\u5e02\u5834\u74b0\u5883\u8b8a\u5316\u3001\u5c0d\u901a\u8ca8\u81a8\u8139\u3001\u4ee5\u53ca\u5c0d\u8cc7\u7522\u7ba1\u7406\u7684\u8a08\u756b\u671f\u9593\u7684\u770b\u6cd5\uff0c\u5c31\u53ef\u4ee5\u5feb\u901f\u70ba\u6295\u8cc7\u8005\u898f\u5283\u51fa\u7c21\u55ae\u3001\u9069\u5408\u7684\u6295\u8cc7\u7d44\u5408\u3002<a href=\"https:\/\/www.money-design.com\/\">MONEY DESIGN<\/a>\u00a0\u4eca\u5e742\u6708\u624d\u958b\u901a\u7684\u65b0\u670d\u52d9\uff0c\u5df2\u7d93\u5438\u5f15\u903e8,000\u540d\u5ba2\u6236\uff0c\u5176\u4e2d\u7d04\u534a\u6578\u5ba2\u6236\u5e7e\u4e4e\u6c92\u6709\u6295\u8cc7\u7d93\u9a57\u3002<\/p>\n<p><iframe title=\"Ironman playing Jarvis interface and voice\" width=\"1170\" height=\"658\" src=\"https:\/\/www.youtube.com\/embed\/Wx7RCJvoCMc?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>\u7576\u7136\u76ee\u524d\u7684\u6a5f\u5668\u4eba\u7406\u8ca1\u9084\u6709\u8a31\u591a\u5730\u65b9\u9700\u8981\u518d\u7cbe\u9032\uff0c\u4f46\u6211\u5011\u5df2\u7d93\u53ef\u4ee5\u60f3\u50cf\u5728\u4e0d\u4e45\u7684\u7576\u5c07\u4f86\uff0c\u6295\u8cc7\u4eba\u5c07\u6703\u50cf\u96fb\u5f71\u92fc\u9435\u4eba\u4e00\u6a23\uff0c\u8b93\u81ea\u5df1\u7684\u6a5f\u5668\u4eba\u6295\u8cc7\u9867\u554f\uff0c\u5982\u540c\u92fc\u9435\u4eba\u7684\u96fb\u8166\u7ba1\u5bb6Jarvis\uff0c\u9069\u6642\u7684\u544a\u8a34\u6211\u5011\uff0c\u5168\u7403\u6295\u8cc7\u5e02\u5834\u767c\u751f\u4e86\u4ec0\u9ebc\u4e8b\u60c5\u3001\u6703\u6709\u4ec0\u9ebc\u5f71\u97ff\u72c0\u6cc1\uff0c\u8b93\u6211\u5011\u9019\u4e9b\u6295\u8cc7\u8005\u53ef\u4ee5\u5728\u9019\u8907\u96dc\u8b8a\u5316\u83ab\u6e2c\u7684\u5e02\u5834\u4e2d\u80fd\u6709\u66f4\u5145\u5206\u7684\u8a0a\u606f\u6d1e\u6089\u5148\u6a5f\uff0c\u6295\u8cc7\u6709\u9053\u3002<\/p>\n<p>\u64b0\u5beb \/\u00a0Frank Hsu<\/p>\n<p><a href=\"http:\/\/www.tibame.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" class=\"alignnone wp-image-2450 size-medium\" src=\"https:\/\/blog.wiedu.tw\/wp-content\/uploads\/2016\/10\/TibaMecom_logo-05-300x90.jpg\" alt=\"tibamecom_logo-05\" width=\"300\" height=\"90\" \/><\/a><\/p>\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<\/p>\n<p><a href=\"http:\/\/36kr.com\/p\/5052764.html\">\u885b\u51b0\u98db\u8ac7Fintech\u5275\u65b0\uff08\u4e0a\uff09\uff1a\u91d1\u878d\u79d1\u6280\u5275\u696d\u5982\u540c\u8d70\u6208\u58c1<\/a><\/p>\n<p><a href=\"http:\/\/36kr.com\/p\/5053147.html\">\u885b\u51b0\u98db\u8ac7Fintech\uff08\u4e2d\uff09\uff1a\u91d1\u878d\u79d1\u6280\u7684\u8cc7\u7522\u7aef\u5275\u65b0\uff0c\u662f\u53c8\u4e00\u500b\u6ce1\u6cab\u9084\u662f\u4e00\u584a\u65b0\u7684\u57fa\u77f3<\/a><\/p>\n<p><a href=\"http:\/\/36kr.com\/p\/5053325.html\">\u885b\u51b0\u98db\u8ac7Fintech\uff08\u4e0b\uff09\uff1a\u5341\u5e74\u4e86\uff0c\u79d1\u6280\u6539\u8b8a\u4e86\u91d1\u878d\u591a\u5c11\uff1f<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u96a8\u8457\u79d1\u6280\u7684\u767c\u5c55\uff0c\u5927\u5bb6\u7684\u5b58\u6d3b\u5e74\u9f61\u4e5f\u90fd\u8d8a\u4f86\u8d8a\u9577\uff0c\u5982\u4f55&hellip;<\/p>\n","protected":false},"author":19,"featured_media":2434,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[480,173,1541],"tags":[141,264,656],"class_list":["post-2430","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technology","category-173","category-1541","tag-big-data","tag-264","tag-fintech"],"aioseo_notices":[],"views":3960,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/blog.tibame.com\/index.php?rest_route=\/wp\/v2\/posts\/2430","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.tibame.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.tibame.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.tibame.com\/index.php?rest_route=\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.tibame.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2430"}],"version-history":[{"count":6,"href":"https:\/\/blog.tibame.com\/index.php?rest_route=\/wp\/v2\/posts\/2430\/revisions"}],"predecessor-version":[{"id":13900,"href":"https:\/\/blog.tibame.com\/index.php?rest_route=\/wp\/v2\/posts\/2430\/revisions\/13900"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.tibame.com\/index.php?rest_route=\/wp\/v2\/media\/2434"}],"wp:attachment":[{"href":"https:\/\/blog.tibame.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2430"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.tibame.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2430"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.tibame.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2430"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}