The difference between intelligent financial management and traditional financial management

1, depending on the network. Different from traditional offline financial management, Internet financial management is often operated on web pages or mobile apps, as is smart financial management. Without the network, there is no way.

2, the operation is simple. A friend said that the elders at home buy Internet financial management just like buying food, and they are addicted to it every day. Let's not talk about the risk part of this model, only that the operation is really simple, and the old man can invest with one click, without running a bank or looking at such a thick contract. The same is true for smart financial management. Although you are generally required to fill in several "risk assessment" questions before financial management, the subsequent operations are similar, except that smart financial management chooses products with "is" configuration instead of its own products. Of course, many platforms can also adjust their risk expectations and change their portfolios.

3, intuitive and visible. When buying wealth management products in the bank, most of them don't know what they are buying and don't understand the contract at all. But if you buy an internet financial management, at least you know what you bought (and what you don't know), and you can see how much your money has become every day. Many people have been conquered by this "pleasure". The same is true for smart financial management. You can see it intuitively and know what your money has invested.

1. Robot financial management refers to the introduction of artificial intelligence into traditional financial advisory services. It is not a physical robot to help customers manage their finances, but provides automatic portfolio suggestions through online interaction, according to the investment purpose and risk tolerance set by demanders, and through the algorithm of computer programs. Unlike traditional face-to-face financial services, which require many service personnel, its purpose is to improve efficiency.

Second, the word "financial management" first appeared in newspapers in the early 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and other personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.