Method of determining user risk preference, information recommendation method and devices

A technology of risk preference and users, applied in the field of big data, it can solve the problems of matching the actual situation of the content, inability to guarantee users, and low efficiency of the questionnaire survey method, and achieve the effect of high accuracy and high efficiency

Inactive Publication Date: 2017-12-05
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] At present, Internet platforms generally use questionnaires to allow users to fill in content related to risk preferences to determine the degree of risk preferences of users. However, the efficiency of questionnaires is low, and it cannot guarantee that the content filled by users is consistent with their own actual conditions. match, resulting in the inability to accurately determine the degree of risk appetite of each user

Method used

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  • Method of determining user risk preference, information recommendation method and devices
  • Method of determining user risk preference, information recommendation method and devices
  • Method of determining user risk preference, information recommendation method and devices

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Embodiment Construction

[0033] The purpose of this application is to find a method that can quickly and accurately measure the user's acceptance or preference for various risks that may be faced, and this method can be realized through big data technology. Taking the investment risks faced by users in the process of investment and financial management as an example, the user's risk acceptance level in investment and financial management can be evaluated through two main aspects: First, the user's subjective preference for risk, that is, the user's psychological preference for Whether investment risk, volatility, and possible losses caused by investment are preferred or disliked, and the degree of preference or disliked; second, the user's objective risk tolerance level, that is, to measure the actual impact of factors such as investment risk and possible investment losses on the user The magnitude of the impact on life, or the user's life goals, etc. Among them, with regard to the user's subjective r...

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Abstract

The invention discloses a method of determining user risk preference, an information recommendation method and devices, so as to improve the accuracy of the determined user risk preference. The method of determining the user risk preference comprises steps: user data of a user generated in risk-involved service are acquired; according to the user data, the characteristic value of the user under each set variable in multiple set variables is determined, wherein the multiple set variables at least comprise a set variable influencing the risk preference degree of the user; and the characteristic value of the user under each set variable is inputted to a risk preference model, and the output of therisk preference model is determined to be a user risk preference index, and the risk preference index is used for measuring the risk preference degree of the user.

Description

technical field [0001] The present application relates to the field of big data technology, and in particular to a method for determining a user's risk preference, an information recommendation method and a device. Background technique [0002] With the development of the Internet, many businesses can be realized through the Internet platform. During the operation of some businesses, it is necessary to obtain indicators that can reflect the degree of risk preference of users, and use such indicators to support the operation of the business. For example, recommend suitable Internet financial products according to the user's risk appetite, or evaluate whether the product is suitable for the user before purchasing an Internet financial product, and so on. [0003] At present, Internet platforms generally use questionnaires to allow users to fill in content related to risk preferences to determine the degree of risk preferences of users. However, the efficiency of questionnaire...

Claims

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Application Information

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IPC IPC(8): G06Q30/02G06Q40/06
CPCG06Q30/0255G06Q40/06G06N5/025G06N20/00G06Q30/02
Inventor 杨帆付歆
Owner ADVANCED NEW TECH CO LTD
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