Smart investment industry is not good, "robot consultant" needs to be listed for business
People close to the regulatory authorities revealed that in the face of the mixed situation of smart investment, the relevant departments are studying the regulation and management of the license system. Compared with innovative financial companies, large and medium-sized fund companies and asset management institutions may obtain licenses through relatively simple procedures. The industry believes that a large number of non-compliant smart investment companies will be eliminated.
Smart investment, also known as “robot consultantâ€, refers to an organization that provides customized financial services to individuals at an extremely low price through algorithms, which can reduce investment and wealth management costs, diversify investment risks, and avoid emotionalization. Smart investment has become a type of innovative business in recent years, and capital is actively deployed. For example, the amount of wealth on November 20 received 100 million yuan of A round of financing; causal trees received 100 million rounds of B round of financing in October. China Merchants Securities expects that the amount of funds involved in domestic smart investment will reach 6 trillion yuan by 2020.
At present, in addition to innovative technology companies in China, brokers, banks, fund companies, financial information platforms, and e-commerce giants have also deployed smart investment. Fund companies mostly provide investors with a full set of customized services before, during and after investment in “asset management + portfolio strategy salesâ€. Most innovative technology companies only provide investment consulting services, and directly or indirectly connect with brokers and fund companies.
The head of the marketing department of the smart investment company under a large fund company said: “The smart investment industry is mixed, and some rough and even harmful underlying strategies are called “ditch oil†in the industry.†Because investors are not exposed to the bottom layer. Strategic design, the underlying strategy design of some companies in the industry does not use artificial intelligence at all, but only through the smart investment of the Shantou selling fund.
The chief technology officer of a quantitative investment company in the north said that they tested some smart investment products based on the US market ETF last year, and the return rate was not satisfactory, so they gave up the business. He is skeptical about the smart look of “looking beautifulâ€.
According to industry insiders, only a few of the emerging smart investment companies in the society are members of the China Fund Industry Association. A considerable number of companies do not have a "securities and futures investment consulting" business license.
Brewing license management <br> <br> regulators have noticed smart investment adviser problems, in August this year to halt a smart investment adviser under the guise of the name of the marketing of fund products. According to people close to the regulatory authorities, relevant departments are studying the regulation management through the licensing system. Compared with innovative financial companies, large and medium-sized fund companies and asset management institutions may obtain licenses through relatively simple procedures. For the license management that may be implemented in the future, Xu Zhigang, the founder of Latte Finance, said that if the smart investment license is not available, Latte Finance will choose to provide wealth management consulting to the organization and give up the smart investment products facing retail investors. The relationship between the social network selection of an investor and the smart investment is clear, and the design ideas and effects of the “fund strategy combination†business are similar to smart investment products. Among them, a star combination has sold more than 200 million yuan in half a year, but the agency repeatedly stated that this is a strategic combination, not a smart investment.
The industry insiders laughed that to manage smart investment, you need to understand the business, understand the law, and understand the code of "supervisor."
Experts said that at the level of policies and regulations, the laws and regulations related to the investment advisory business are based on human-to-human services, and the legitimacy of robot investment cannot be determined. Founder Securities Research Report pointed out that under the current regulatory framework, institutions engaged in investment consulting can only provide advice, the actual transaction operations must be completed by the customers themselves, and the "investment consulting + asset management" model of smart investment cannot be established.
More importantly, for the innovative business of smart investment, we need to pay attention to how to find a balance between protecting investor rights and encouraging innovation. The general manager of the product department of a large fund company said that the responsible bodies of fund companies and asset management institutions registered with the regulatory authorities are clear, and these institutions should be encouraged to engage in smart investment, and they can integrate smart investment into pre-sale, sale and after-sales services. . Jiang Saichun, founder of Desheng Fund Research Center, said that considering the low risk awareness and risk management ability of domestic retail investors, the development of “buyer care†should be encouraged. If smart investment is combined with sales, it may become a seller's means of sales and may not guarantee the buyer's interests.
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