【上海日报】专访理财魔方：用AI创造更普惠的私人银行
上海日报 SHINE
文章原标题：Robo-advisor reshapes wealth management industry
“人工智能驱动的财富管理顾问服务将使中国财富管理市场更加公平和容易接近，并且为客户带来了高于市场平均值的风险投资回报，特别是那些资金有限的客户。”理财魔方认为。
据业内人士透露，中国人总共拥有约200亿元人民币（30亿美元）的金融资产可供投资（不包括房地产资产），其中49%的投资者的投资资产在50万元人民币至600万元人民币之间。
这些投资者无法利用私人银行服务，因为私人银行的资金门槛为600万元人民币，只占中国人口的很小一部分。
“这是不合理的。财富管理应该是像医疗保健和教育一样，服务更广泛更包容。”理财魔方创始人兼首席执行官袁雨来说。
这家科技公司提供人工智能驱动的财富管理顾问服务，以优化投资决策并规避风险，这在中国很适用，因为中国的股价经常波动很大。
该公司现在拥有数十万客户，其中98%的客户享有正回报。2019年，用户回报率达到16%。2020年，在金融市场出现较大风险波动的情况下，整体收益率仍然达到10%。而今年，截止到目前已经达到10%。
理财魔方在定制客户能承担的风险基础上，为其提供高于市场平均值的风险回报。
相比之下，银行提供4%或更低的年投资回报率。而私人银行服务需要很高的资金门槛，实现大约8%至10%的回报。
袁雨来说，在人工智能财富管理顾问的支持下，一名员工可以为8，000多名客户提供服务，这使得财富管理服务能够为更多的人服务。
他补充说，人工智能使投资更加公平，因为人们无论投入500万元还是仅仅5万元人民币，都有类似的回报率。
该AI系统运行了五年多，涵盖金融产品分析，客户情绪管理和风险控制功能。
人工智能让财富管理更明智，犯的错误更少，人为干预最少。它带来了可持续的投资回报，避免了长期风险。
清华大学在一份报告中表示，在未来五年内，由于经济发展和投资需求的蓬勃发展，中国的人工智能财富管理顾问将在投资量上超过Wealthfront和Betterment等美国同行。
袁雨来补充说，公司未来可能会在AI的系统中增加一个”投资期”因素，以提供更多定制和灵活的服务。
以下为报道原文
An artificial intelligence-fueled virtual financial advisor will make the Chinese wealth management market more fairer and more accessible. The AI assistant brings higher-than-market investment returns for clients, especially those with limited funds, said Licaimofang (Money Cube).
Chinese people have in total about 20 billion yuan (US$3 billion) in financial assets available for investment (excluding real estate assets), 49 percent of them belonging to people with investment assets between 500,000 yuan to 6 million yuan, according to industry sources.
These citizens can’t utilize private banking services, the entry level for which is 6 million yuan, accounting for a very small percentage of people in China.
“It’s not reasonable. Wealth management should be an inclusive service like health care and education,” said Yuan Yulai, founder and chief executive of Licaimofang.
The tech firm offers AI virtual advisors to optimize investment decisions and avoid risks, which makes sense in China where stock prices often fluctuate heavily.
The company now has hundreds of thousands of customers, 98 percent of whom enjoy positive returns. The total return rate reached 16 percent in 2019, 10 percent in 2020, and 10 percent to date this year, despite the pandemic influencing various industries and the economy as a whole.
The company can provide a higher return than the market average despite risks that are inherent to investing in financial markets.
Comparatively, banks offer a 4 percent or less annual investment return. Private banking services, which require a high fund threshold, offer 8 to 10 percent returns.
Supported by the virtual advisor, one staff member can serve over 8,000 clients, which allows wealth management services to serve more people, Yuan said.
AI makes investment fairer as people have similar returns by percentage whether they pour in 5 million yuan or just 50,000 yuan, he added.
The AI system, operating for over five years, covers financial products analysis, client mood management and risk control features.
The AI advisor is more sensible and makes fewer mistakes with minimal human intervention. It brings sustainable investment returns and avoids long-term risks.
In the next five years, Chinese virtual advisors will surpass their US counterparts like Wealthfront and Betterment in investment volume, thanks to economic development and booming investment demands, Tsinghua University said in a report.
In the future, the company may add an “investment period” factor into the AI’s system to offer more customized and flexible services, Yuan added.