Internet financial wealth management product(IFWMP)has recently been one of the most popularity.There is limited quantitative research on IFWMP which can helps customers to choose the products based on the significanc...Internet financial wealth management product(IFWMP)has recently been one of the most popularity.There is limited quantitative research on IFWMP which can helps customers to choose the products based on the significance of each factor.In the paper,a multi-criteria decision-making model of IFWMP was developed,namely analytic hierarchy process(AHP)which is used to make decisions to the unstructured problems through quantifying weights of each criterion.This paper investigated ten influential factors relevant to the purchase of IFWMP and analyzed the frequency of collected responds to show the significance of factors.Based on the quantified weights,the result of the research indicated that compatibility,product liquidity,perceived ease of use and perceived usefulness affect the investors purchasing behaviors most that every investors should pay great attention to.展开更多
Internet financial wealth management product(IFWMP)has recently been one of the most gained popularity.There are limited quantitative research on IFWMP which can help customers to choose products based on the signific...Internet financial wealth management product(IFWMP)has recently been one of the most gained popularity.There are limited quantitative research on IFWMP which can help customers to choose products based on the significance of each factor.In this paper,a multi-criteria decision-making model for IFWMP was developed,namely the analytic hierarchy process(AHP)which is commonly used to make decisions for unstructured problems through quantifying weights of each criterion.This paper investigated ten influential factors relevant to the purchase of IFWMP and analyzed the frequency of collected response to show the significance of the factors.Based on the quantified weights,the results of the research indicated that compatibility,product liquidity,perceived ease of use,and perceived usefulness affected investors purchasing behaviors and that every investor should pay great attention to.展开更多
With the current trend of the times and the rapid development of information technology, a lot of new technologies, new websites and new situations have emerged in the society, causing people to be cheated unconscious...With the current trend of the times and the rapid development of information technology, a lot of new technologies, new websites and new situations have emerged in the society, causing people to be cheated unconsciously. Based on this, this paper will conduct a detailed analysis of the current situation of the elderly's wealth management ability, and take the elderly as a representative to carry out a survey on the elderly's financial and business education. At the same time, research on how to better prevent the elderly from property loss and enhance the elderly's wealth management ability, so as to promote the upgrading of China's wealth management industry and help the elderly to have a sense of security and not be cheated. This will be a very interesting research topic. This article will take this as the center, launches the analysis investigation, whether can find some laws in it.展开更多
2021 is the 100th year of the founding of the Communist Party of China and the first year of the "14th Five-Year Plan". The Proposal of the CPC Central Committee on the Formulation of the 14th Five-Year Plan...2021 is the 100th year of the founding of the Communist Party of China and the first year of the "14th Five-Year Plan". The Proposal of the CPC Central Committee on the Formulation of the 14th Five-Year Plan for National Economic and Social Development and the Long-term Goal of 2035 approved by the fifth Plenary Session of the 19th CPC Central Committee points out the directions for the wealth management industry. The future development direction of wealth management should be people-oriented, play the role of the third distribution, and promote the realization of common prosperity.展开更多
With the rapid development of information technology,internet financial products have been continuously launched,and many college students have joined the internet financial team.By investigating the current situation...With the rapid development of information technology,internet financial products have been continuously launched,and many college students have joined the internet financial team.By investigating the current situation of college students’financial management,this study found several problems and deficiencies in college students’financial management and proposed countermeasures to these problems for colleges and universities to cultivate students’internet financial literacy as well as guide them to establish the correct concept of financial management under the internet financial environment,learn financial management knowledge,improve financial management capabilities and risk awareness,as well as choose appropriate internet financial management products.展开更多
The concept of inclusive finance was proposed and promoted by the United Nations in 2005 with the main purpose of providing services for those who lack good financial services while promoting the economic growth of fa...The concept of inclusive finance was proposed and promoted by the United Nations in 2005 with the main purpose of providing services for those who lack good financial services while promoting the economic growth of family enterprises and eliminating social poverty as well as inequality.With the innovation of financial technology and its application in the field of financial inclusion,the new inclusive finance has shown strong vitality and great prospects in recent years.It provides certain ideas and directions for the development of inclusive finance in the banking industry.展开更多
Artificial intelligence(AI) has accelerated the advancement of financial services by identifying hidden patterns from data to improve the quality of financial decisions. However, in addition to commonly desired attrib...Artificial intelligence(AI) has accelerated the advancement of financial services by identifying hidden patterns from data to improve the quality of financial decisions. However, in addition to commonly desired attributes,such as model accuracy, financial services demand trustworthy AI with properties that have not been adequately realized. These properties of trustworthy AI are interpretability, fairness and inclusiveness, robustness and security,and privacy protection. Here, we review the recent progress and limitations of applying AI to various areas of financial services, including risk management, fraud detection, wealth management, personalized services, and regulatory technology. Based on these progress and limitations, we introduce FinBrain 2.0, a research framework toward trustworthy AI. We argue that we are still a long way from having a truly trustworthy AI in financial services and call for the communities of AI and financial industry to join in this effort.展开更多
文摘Internet financial wealth management product(IFWMP)has recently been one of the most popularity.There is limited quantitative research on IFWMP which can helps customers to choose the products based on the significance of each factor.In the paper,a multi-criteria decision-making model of IFWMP was developed,namely analytic hierarchy process(AHP)which is used to make decisions to the unstructured problems through quantifying weights of each criterion.This paper investigated ten influential factors relevant to the purchase of IFWMP and analyzed the frequency of collected responds to show the significance of factors.Based on the quantified weights,the result of the research indicated that compatibility,product liquidity,perceived ease of use and perceived usefulness affect the investors purchasing behaviors most that every investors should pay great attention to.
文摘Internet financial wealth management product(IFWMP)has recently been one of the most gained popularity.There are limited quantitative research on IFWMP which can help customers to choose products based on the significance of each factor.In this paper,a multi-criteria decision-making model for IFWMP was developed,namely the analytic hierarchy process(AHP)which is commonly used to make decisions for unstructured problems through quantifying weights of each criterion.This paper investigated ten influential factors relevant to the purchase of IFWMP and analyzed the frequency of collected response to show the significance of the factors.Based on the quantified weights,the results of the research indicated that compatibility,product liquidity,perceived ease of use,and perceived usefulness affected investors purchasing behaviors and that every investor should pay great attention to.
文摘With the current trend of the times and the rapid development of information technology, a lot of new technologies, new websites and new situations have emerged in the society, causing people to be cheated unconsciously. Based on this, this paper will conduct a detailed analysis of the current situation of the elderly's wealth management ability, and take the elderly as a representative to carry out a survey on the elderly's financial and business education. At the same time, research on how to better prevent the elderly from property loss and enhance the elderly's wealth management ability, so as to promote the upgrading of China's wealth management industry and help the elderly to have a sense of security and not be cheated. This will be a very interesting research topic. This article will take this as the center, launches the analysis investigation, whether can find some laws in it.
文摘2021 is the 100th year of the founding of the Communist Party of China and the first year of the "14th Five-Year Plan". The Proposal of the CPC Central Committee on the Formulation of the 14th Five-Year Plan for National Economic and Social Development and the Long-term Goal of 2035 approved by the fifth Plenary Session of the 19th CPC Central Committee points out the directions for the wealth management industry. The future development direction of wealth management should be people-oriented, play the role of the third distribution, and promote the realization of common prosperity.
文摘With the rapid development of information technology,internet financial products have been continuously launched,and many college students have joined the internet financial team.By investigating the current situation of college students’financial management,this study found several problems and deficiencies in college students’financial management and proposed countermeasures to these problems for colleges and universities to cultivate students’internet financial literacy as well as guide them to establish the correct concept of financial management under the internet financial environment,learn financial management knowledge,improve financial management capabilities and risk awareness,as well as choose appropriate internet financial management products.
文摘The concept of inclusive finance was proposed and promoted by the United Nations in 2005 with the main purpose of providing services for those who lack good financial services while promoting the economic growth of family enterprises and eliminating social poverty as well as inequality.With the innovation of financial technology and its application in the field of financial inclusion,the new inclusive finance has shown strong vitality and great prospects in recent years.It provides certain ideas and directions for the development of inclusive finance in the banking industry.
基金Project supported by the National Natural Science Foundation of China (Nos. 62172362 and 72192823)。
文摘Artificial intelligence(AI) has accelerated the advancement of financial services by identifying hidden patterns from data to improve the quality of financial decisions. However, in addition to commonly desired attributes,such as model accuracy, financial services demand trustworthy AI with properties that have not been adequately realized. These properties of trustworthy AI are interpretability, fairness and inclusiveness, robustness and security,and privacy protection. Here, we review the recent progress and limitations of applying AI to various areas of financial services, including risk management, fraud detection, wealth management, personalized services, and regulatory technology. Based on these progress and limitations, we introduce FinBrain 2.0, a research framework toward trustworthy AI. We argue that we are still a long way from having a truly trustworthy AI in financial services and call for the communities of AI and financial industry to join in this effort.
