Analysis On The Development Of Robo-Advisor In China

Fintech is the application of advanced technology in the financial field.With the development of fintech,Robo-Advisor emerge at the historic moment.Robo-Advisor is an emerging financial management mode that provides intelligent and personalized professional investment consulting services for customers based on investors’ risk preferences and investment needs by using big data,artificial intelligence and other technologies.The core feature of intelligent investment is its "Personalized intelligent investment service ",that is,to provide different personalized investment services for different customers.At the same time,compared with traditional investment consulting,it has the characteristics of low threshold,low cost,information transparency and high efficiency.Robo-Advisor gusource from the United States,after years of development,the United States are leading the world in the smart investment market penetration and the maturity of the relevant companies.Since its entry into China in 2015,Robo-Advisor have been faced with such problems as unsound laws and regulations,weak market foundation,and chaotic development mode of intelligent investment companies,which have greatly restricted the further development of Robo-Advisor in China,despite the rapid development and broad market prospect.This paper use comparative analysis and case study methods.On the one hand,by comparing the status quo of the development of intelligent investment companies at home and abroad,the problems existing in the development of China’s intelligent investment companies in the legal environment and market environment are explored.On the other hand,taking the Financial rubik’s cube,the pioneer of China’s intelligent investment management,as the research case,by collecting internal and external information of the company and comparing the data of other typical intelligent investment companies at home and abroad,this paper analyzes the development momentum and constraints of the Financial management rubik’s cube,and further summarizes the enlightenment and reference of the financial management rubik’s cube cases on the development of China’s intelligent investment platform.Based on the analysis of the Financial rubik’s cube case,combining with China’s special national conditions and learning from the experience of the United States in the development of advanced intelligent investment,this paper puts forward suggestions on the development of China’s intelligent investment from three aspects:law,market and intelligent investment platform.First,establish and improve relevant laws and regulations,improve the efficiency of intelligent investment and supervision,and ensure the full information disclosure of intelligent investment and supervision industry;Second,maintaining the rights and interests of intelligent investment clients,accelerate the construction of talent echelon in the industry,and promote the coordinated development of the industry;Third,strengthen the characteristics of platform products,increase the product matching degree,and meet the personalized financial management needs of customers.Based on the above Suggestions,finally provide reference value for the development of intelligent investment consulting in China.