On January 25th, institutions such as China CITIC Bank and Phoenix.com held a conference on "Trust and Smart Investment" in Beijing to discuss how to integrate artificial intelligence and future financial investment. At the meeting, CITIC Bank released the newly developed intelligent investment product-Xinzhitou. Guo Danghuai, vice president of CITIC Bank, said that wealth management business is the core engine of future retail business development, and the goal of Xinzhi Investment is to make smart investment as a breakthrough, and through three years, the wealth management of CITIC Bank will be built into a characteristic large single product.

According to the latest Annual Report of China Securities Investment Fund Industry in 216, the effective accounts of individual investors in open-end funds have reached nearly 27 million, and the corresponding assets are close to 3.5 trillion yuan. In 217, there were 4,841 Public Offering of Fund managed by Public Offering of Fund management institutions, and fund investors have become the most widely accepted investment customers. In this regard, the participating guests believe that in the field of fund investment, data collection and analysis is an essential guarantee for successful investment, and the rise of artificial intelligence can effectively solve the shortcomings of insufficient data analysis ability of human brain.

According to Lv Tiangui, general manager of the retail banking department of CITIC Bank, Xinzhi Investment has three main highlights: First, it will intelligently match the target risk and simulate the income based on the customer's risk assessment results, and recommend the most suitable product portfolio. According to reports, Xinzhi Investment has built an intelligent risk assessment model based on multi-dimensional data analysis of more than 2 million customers. Second, Xinzhi Investment not only has forward-looking market analysis by investment experts and professional research on the underlying products, but also uses big data, investment models and intelligent algorithms to make up for the lack of human computing power. According to reports, Xinzhi Investment is an investment consultant of Huaxia Fund, providing product screening and portfolio configuration suggestions. Third, the user experience is convenient. CITIC Bank looks for the optimal portfolio from more than 4, funds, and pushes the recommended asset allocation portfolio directly to users, who make decisions, buy with one click and enjoy the follow-up services, and then experts continue to track the macro market and the underlying products.