金融管理研究(第10辑)
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Big Data Era of Wealth Management Pain Point of Analysis and Transformation Path— Based on the Application of Robot Advisor Perspective

Lu Minfeng Wu Jianping

Abstract:Big data has been integrated into the mainstream of China's economy, and big data technology changes will have a profound impact on Chinese society, marcket and individuals.Under the new economic situation, China's financial institutions are facing many challenges, the huge wealth of the residents and the supply side of the dividend policy to promote wealth management have become a new growth pole of financial institutions. However, under the new situation, the wealth management industry is also in urgent need of technological innovation to achieve leapfrog development.Based on big data technology, robot advisor becomes the carrier of development of technology Chinese wealth management innovation.In this paper, we point out that in the background of big data, China's wealth management is faced with the pain of portfolio deviation from wealth management, wealth management business deviates from the“customer centric”source, relying on big data technology of new financial, continue to reduce the threshold of investors and“technology + finance”compound lack of professional talents.At the same time, it analyses the robot advisor three main operation mode and points out that the robot advisor technology will rely on higher service efficiency, low service cost, optimized customer experience, dynamic adjustment of accounts and avoidance of agency costs etc.to resolve Chinese intelligent wealth management industry pain points.Based on that, this paper proposes policy recommendation of robot advisor in China wealth management industry application.

Key Words:Big Data; Wealth Management; Robot Advisor; Supply Side Reform;New Normal