Robots are looking to rise and domestic startups are struggling

In recent years, with the rapid development of big data technology and the growing demand for personal investors' financial management, the Robo-Advisor industry has seen a booming growth. According to Corporate Insight statistics, as of the US market alone, as of mid-2015, the number of assets managed by Robot Investment Co. has exceeded 21 billion U.S. dollars, and more than 200 companies have deployed this field.

This includes products launched by independent robot search companies represented by Wealthfront, Betterment, and Personal Capital, as well as robotic investment relying on traditional financial institutions represented by the Schwab Intelligence Portfolio, BELLE FUTURE DVISOR, Deutsche Bank Anlage Finder. Gu business.

In contrast, China’s robotic investment road is rather bumpy. The new concept of “buzzing” at the beginning of the country at the beginning of the year has not yet been accepted by the general public and it has entered a development stalemate. At present, there are only a handful of start-up companies in the field in China and the scale is still small, and the attention and investment of robotic investment in large financial institutions is not too much.

As a new force for the rapid rise of the overseas wealth management market in recent years, why has the robot investment business slowed down in China? Compared with other "imported products" such as P2P and crowdfunding, why are the start-up companies in the area of ​​robotic investment inspectors not only small in number but also in small scale, and their influence is far behind that of the Wealthfront in the United States?

Changes in "labels"

1. Smart Money

In recent years, with the awakening of financial awareness and the development of internet finance, the online wealth management market has become more and more vibrant. A large number of “supermarkets” and “one-stop financial platforms” that bring together various wealth management products have also emerged.

Therefore, from the beginning of last year, there have been many platforms that propose the concept of smart financial management, that is, based on the application of technologies such as big data, through a series of intelligent algorithms for investors "tailor-made" more rational, objective and comprehensive financial services.

But the smart money mentioned at the time is more like a value-added service, a kind of financial management idea, rather than an independent product. On the one hand, in order to help users quickly screen out suitable for themselves in a large number of financial products, on the other hand, it is also hoped to use this value-added service to enhance user stickiness.

2. Robot search

In March of this year, the AlphaGo man-machine battle made robotics and artificial intelligence a “explosive model.” More importantly, robotic investment services that have been literally translated into Robo-Advisor have become an important segment of the wealth management industry in the United States. It has a unique business model and business features.

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