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论文编号：	9889
作者编号：	2220150590
上传时间：	2018/5/24 11:36:23
中文题目：	人工智能发展趋势下我国证券公司经营业务创新模式研究——以FC证券公司为例
英文题目：	Study on the Business Innovation of Securities Company Under the Artificial Intelligence ——A Case on FC Securities Company
指导老师：	张玉利
中文关键字：	人工智能，证券行业，智能投顾
英文关键字：	Artificial Intelligence；Securities；Robo-adviser
中文摘要：	近年来，人工智能的快速发展实现了数据处理和应用流程的全智能化，不仅对科技行业产生重大影响，也逐渐渗透到金融证券行业。在这一背景下，智能投顾应运而生。从目前金融证券行业发展趋势来看，一方面，随着经济的快速发展和财富的逐渐积累，我国财富管理市场日益扩大；另一方面，自监管部门放松对证券行业佣金率管制以来，佣金率下行趋势愈发明显，以经纪业务为核心的传统盈利模式难以为继。智能投顾通过搭建数据模型和后台算法，提供理财建议，能够有效支持财富管理，为我国证券行业业务经营和创新提供了新思路和新机遇。本文在描述人工智能发展趋势对证券（金融）行业影响的基础上，分析FC证券股份有限公司（以下简称FC证券公司或FC公司）面临的机遇和挑战，并从市场环境，现有业务基础，内部发展需求，自身的技术、品牌、资金优势等多个方面，对FC证券公司开展业务创新进行必要性和可行性分析，得出FC证券公司业务转型需求，并探索研究以智能投顾为发展目标的经营业务创新思路。 首先，调整经营思路，明确智能投顾业务发展战略定位。基于目前FC证券公司内部的发展情况和特点、财务状况、未来期间经营目标等多因素分析以及外部行业环境，借鉴国内外智能投顾发展典型经验，调整经营思路和经营理念，完善顶层设计，明确FC证券公司智能投顾业务发展的总体定位，包括市场服务定位和该业务预期实现目标等，以有效指导具体业务创新路径。其次，基于自身的资源能力，选择有效的智能投顾开发模式。结合目前国内外智能投顾业务的发展情况，全面分析智能投顾开发模式，在此基础上，结合自身的资源能力，确定适合自身发展智能投顾的商业模式。再次，精准定位客户群体、创新个性化产品与服务。结合市场分析和预测，精准定位智能投顾业务客户群体。围绕目标客户，创新个性化的产品与服务，实现逐步拓展业务市场。最后，健全配套管理机制，强化智能投顾产业风险管控。结合市场监管、市场发展、产业发展等前景预测，针对监管政策风险、客户风险、产品风险、业务操作风险以及技术创新风险等，制定有效的风险应对措施，有效降低风险损失。
英文摘要：	In recent years, with the rapid development of Artificial Intelligence, data processing and application is becoming completely intelligent, which not only has a significant impact on science and technology industry, but influence the financial and security industry. Under this technological background, the robo-adviser emerges. In the perspective of the development of financial securities, on the one hand, the wealth management market is becoming larger and larger, with the rapid development of economy and the accumulation of nations’ wealth; on the another hand, the commission rate is descending obviously, since the supervision department’s deregulation of the commission rate, the traditional profit pattern based on securities brokerage services is unsustainable. Robo-adviser affords financial advice by building the data model and background algorithms, which supports wealth management effectively, and offers new ideas and opportunity for the security industry’s business operating and innovation. This article described the influence of Artificial Intelligence on the security industry, and analyzed the opportunities and threats confronted by FC Securities Co., LTD（FC Securities）, and then analyzed the necessities and feasibility of FC Securities to carry out the innovation of businesses, from the aspects of market circumstances, the current business, internal development demands, the strength of technology, brand and capital, which helped draw the conclusion of business transformation of FC Securities. At last, the paper studied the innovation of robo-adviser for the future development of FC Securities’ businesses. Firstly, adjust management concept, definite the orientation of developing robo-adviser. Improve the top design of developing robo-adviser, adjust management concept, definite the orientation of developing robo-adviser, which includes market positioning, the expected objuective, based on FC Securities’ internal development, business characteristics, financial station and the future objective, with concerning for the classic experience of robo-adviser in other countries, to guideline the road of business innovation effectively. Secondly, choose the effective development mode based on resource capacity. Analyze the development mode of robo-adviser domestic and overseas completely, on the base of which, make sure the appropriate development mode, with the concerning for the company’s own resource capacity. Thirdly, specify the target customer, make innovation of different products and services. Specify the target customer of robo-adviser, with the market analysis and forecast. Make innovation of different products and services for the target customer, and promote market development gradually. Lastly, improve the supporting management, intensify the risk management of robo-adviser. Take measures to handle the risk of regulatory policy, customer, product, operating activities and technology, with the forecast of market regulation, market development and industry development, reduce the risk losses effectively.
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