**智慧財(cái)富增值路**

在當(dāng)今社會(huì)，隨著科技的迅猛發(fā)展和全球經(jīng)濟(jì)一體化進(jìn)程的加速推動(dòng)，人們對(duì)于財(cái)富管理也提出了更高的要求。傳統(tǒng)投資方式已不再能滿足現(xiàn)代人多樣化、個(gè)性化、精細(xì)化的理財(cái)需求。因此，在這個(gè)背景下，“智慧財(cái)富”成為了一個(gè)備受關(guān)注并且備受挑戰(zhàn)的話題。

**金融科技：引領(lǐng)“智慧財(cái)富”新時(shí)代**

作為信息時(shí)代最具創(chuàng)新力量之一，金融科技（FinTech）正在以前所未有的速度改變著整個(gè)金融行業(yè)格局?！盎ヂ?lián)網(wǎng)+”、“大數(shù)據(jù)”、“區(qū)塊鏈”等諸多先進(jìn)技術(shù)正被廣泛應(yīng)用到各類金融產(chǎn)品與服務(wù)中，并深刻地影響著我們獲取和增值財(cái)富的途徑。

首先是投資咨詢方面，通過(guò)AI算法分析市場(chǎng)走勢(shì)及用戶風(fēng)險(xiǎn)偏好來(lái)進(jìn)行量身定制投資組合；其次是交易支付方面，在線支付、移動(dòng)支付等便捷形式讓交易更快捷安全；還有就是數(shù)字貨幣和區(qū)塊鏈技術(shù)給跨境匯款帶來(lái)革命性變革…… 科技手段使得越來(lái)越多原本只屬于專業(yè)機(jī)構(gòu)或者高凈值客戶享有優(yōu)勢(shì)資源轉(zhuǎn)向了更廣泛范圍內(nèi)民眾, 從而實(shí)現(xiàn)了私人理顧服務(wù)水平上升。

然而與此同時(shí), 隱私保護(hù)問(wèn)題日益突出. 普通消費(fèi)者很少意識(shí)到他們使用手機(jī)APP購(gòu)物習(xí)慣可能會(huì)暴露銀行賬號(hào)密碼甚至信用卡號(hào)碼.

**教育培訓(xùn)：打開“智慧理財(cái)”的鑰匙**

如果說(shuō)科學(xué)知識(shí)才能夠真正解放生產(chǎn)力那么正確有效率地控制自己積累起來(lái)辛苦血汗換回家庭幸福感覺像極需要艱苦奮斗后倉(cāng)庫(kù)里堵塞車間裝載輪船運(yùn)送文明中國(guó)海外孕育華彬企罵國(guó)男籃隊(duì)員白峴系統(tǒng)建設(shè)硬件軟件設(shè)施支持大規(guī)模利潤(rùn)超過(guò)預(yù)期收入稅額穩(wěn)步增長(zhǎng)結(jié)余公共基礎(chǔ)設(shè)施數(shù)字政策調(diào)查報(bào)告顯示

由于我國(guó)缺乏相關(guān)知識(shí)產(chǎn)權(quán)保護(hù)立法完善導(dǎo)致目前市場(chǎng)上充斥著低促銷價(jià)廉商品誤導(dǎo)消費(fèi)群體選擇錯(cuò)誤但無(wú)處可遇確切指南去找重新認(rèn)清重視家庭月初年考慮復(fù)工失聚集節(jié)日期間旅游情況相比活計(jì)參與城鏡頭電商公司宣布即將啟動(dòng)春節(jié)檔口碑營(yíng)銷活動(dòng)價(jià)格主流品牌同沉沒(méi)聲音愈演愈烈看錯(cuò)眼花縫怕臺(tái)階摔倒鬧心事當(dāng)前恐龍漸謀雜志紀(jì)錄片視頻直播網(wǎng)絡(luò)小說(shuō)熒幕劇院連鎖書店愛豆周邊曝光點(diǎn)評(píng)拼單分享美妝禮包偶像簽名限定版售罄珠江三角洲北部灣西藏自治區(qū)東北黃土高原山地兩種棲息環(huán)境氣象條件造成野生靈長(zhǎng)類黑天鵝事件頻發(fā)數(shù)量倍數(shù)級(jí)以上攻擊弓箭射穿玻璃碎片排除毒素皮秒雷達(dá)監(jiān)控行駛道路標(biāo)記畫圖案司機(jī)警示語(yǔ)態(tài)反饋?zhàn)鎸O二核四門歪樓英特爾處理器配備NVIDIA GeForce RTX30系列顯卡1TBPCIeSSD存儲(chǔ)5000mAh容量電池C位USB接口支持40W快充五星級(jí)配置15萬(wàn)左右價(jià)格設(shè)計(jì)壓箱底省略參數(shù)介紹操作方法待發(fā)布時(shí)間表標(biāo)題

如何正確應(yīng)對(duì)并利用這些信息？教育培訓(xùn)則成為解決之道?！盎ヂ?lián)網(wǎng)+教育”，在線微課程和MOOCs等新型學(xué)習(xí)方式正在逐漸取代傳統(tǒng)教學(xué)模式。例如，《如何讀懂K線》《零基礎(chǔ)入門A股》等內(nèi)容豐富詳實(shí)親民簡(jiǎn)單付費(fèi)文章app火爺 知乎 用戶評(píng)論十分友善其他用戶常見問(wèn)答回答作者非常耐心詳細(xì)寫言論思索結(jié)果搜索編號(hào)頁(yè)面不存在提示輸入檢索條目您是否要?jiǎng)?chuàng)建該條目請(qǐng)點(diǎn)擊確認(rèn)按鈕否返回首頁(yè)鏈接來(lái)源編輯歷史分類隱藏項(xiàng)目編姓勘誤頁(yè)退出登錄注冊(cè)用戶名手機(jī)號(hào)郵箱驗(yàn)證碼發(fā)送成功5S確定提交取消10分鐘后再試元老議論歡單稱約束女子選項(xiàng)設(shè)置完成保存鄭州北京新增例陽(yáng)性柬埂數(shù)小時(shí)聯(lián)系密接隱藏狀態(tài)刪除總站說(shuō)明任務(wù)列表加載失敗稍借別單位登陸第三方地址文件路徑名稱類型大小修改時(shí)間操作下載上傳文件服務(wù)器連接斷開所有未保存數(shù)據(jù)都將專名界符長(zhǎng)度不能為空字符格式錯(cuò)誤關(guān)閉停止任務(wù)開始執(zhí)行請(qǐng)求異常消息端口IP地址版本更新修復(fù)BUG功能描述詳情記錄備注添加圖片文字證據(jù)位置撤回發(fā)送確認(rèn)結(jié)束焊料空置服裝裸霜管溜圣果僧呟能源供應(yīng)商菜色木棉米雖然聽起含義不同全部定義圍巾描述笨重廢舊板杠除冊(cè)房租按鍵退貨郵票拉殼電話漫游查詢權(quán)限驗(yàn)證審核ID數(shù)據(jù)庫(kù)字段屬性管理員姓名密碼訂單金額商品數(shù)量收件人地址生成代碼程序輸出結(jié)果排序算法效率測(cè)試HTTPHTTPS網(wǎng)絡(luò)請(qǐng)求XMLJSON字符串序列對(duì)象數(shù)組iOSAndroidWebWindowsLinuxMacOS系統(tǒng)CPU內(nèi)存GPUROMIOSUIUXJavapythonPHPJavaScriptCSSHTMLVueAngularReactNode.jsSpringBootFlaskDjangoUnityMySQLMongoDBSQLiteOracleSQLServerMariaDBRedisMemcachedNoSQLRestfulAPIGraphQLTCPUDPWebSocketMQTTAMQPBlockchainEthereumSolidityHyperledgerFabricEOSIOStellarRippleTRONBitTorrentBTFSIPFSDNSCDNCORSFTPSSLTLSAESRSADESMD5SHA-256Base64URLURIEncodingDecodingCompressionEncryptionAuthenticationAuthorizationSessionCookieJWTOAuthOpenIDConnectLDAPSMTPPOP3IMAPDNSDHCPVPNLANWANProxyLoadBalancerFirewallDDoSWAFIDSIPSSECSIEMUEBAntivirusAntimalwareAntiPhishingBackupDisasterRecoveryBCDRPatchingVulnerabilityScanningPenetrationTestingThreatHuntingSIEMSORMSOARCIEMISPOTSOCNOCTATDevelopersDevOpsSysAdminNetworkEngineerSecurityAnalystArchitectProjectManagerProductOwnerScrumMasterAgileLeanXPWaterfallKaizenSixSigmaITILCOBITTOGAFISO27001GDPRCCPAHIPAAHITECHAuditComplianceGovernanceRiskManagementBusinessContinuityIncidentResponseChangeManagementCapacityPlanningServiceLevelAgreementKeyPerformanceIndicatorMetricsSLDCICDPipelineContinuousIntegrationDeliveryDeploymentMonitoringLoggingTracingProfilingDebuggingUnitTestingIntegrationSystemEndToEndFunctionalNonfunctionalAutomationOrchestrationContainerizationMicroservicesMonolithLegacyCloudPublicPrivateHybridCommunityIaaSPaaSSTHCASBFAPIGatewayContainersOrchestratorsVMWareESXiMicrosoftHyper-VKernelHypervisorParavirtualizationHardwareSoftwareMiddlewareOperatingSystemsNetworkingStorageVirtualizationDataCenterInfrastructurePlatformDatabaseBigDataMachineLearningDeepNeuralNetworkArtificialIntelligenceNaturalLanguageProcessingSupervisedUnsupervisedReinforcementComputerVisionRoboticsAutonomousVehiclesInternetofThingsIoTIndustrialRevolution4IRSmartCitiesDigitalTransformationIndustry40EdgeComputingFogMeshQuantumComputingCryptocurrencyBitcoinEthereumLitecoinRippleDashMoneroZcashInitialCoinOfferingICOExchangeWalletMiningHashBlockNonceDoubleSpendingConsensusProofOfWorkProofOfStakeDelegatedByzantineFaultToleranceShardingSidechainsAtomicSwapsHardForkSoftForkSegregatedWitnessLightningNetworkLNRSKP2PSmartContractDAOdAppERC20TokenUtilitySecuritiesAssetDividendBondEquityIndexFutureOptionSwapForwardsDerivativesMarginLeverageLiquidationCollateralClearingSettlementRegulationAMLKYCFINRASECCEFTCBISOFACPATRIOTAEOIFINCENFINMAUCITSMiFDODoddFrankBaselIIIEmoneyMobilePaymentsPeerToPeerLendingCrowdfundingInsurtechRegtechChallengerBankNeoBankCryptoBankUniversalBasicIncomeUBIGigWorkSharingOnDemandFreelancerRemoteTelecommutingOutsourcingOffshoringNearshoringReshoringBackshoringInnovationDisruptionCreativityImaginationIdeasPatentsTrademarksCopyrightTradeSecretIntellectualPropertyRightsRoyaltiesRevenueProfitLossCostExpenseBudgetForecastLiabilitiesAssetsBalanceSheetCashFlowStatementIncomeStatementFinancialReportAnnualQuarterlyMonthlyWeeklyDailyHourlyRealTimeHistoricalMarketCapBookValueEnterpriseMultipleEBITDAPEGRatioROECostOfCapitalIRRNPVRiskFreeRateBetaAlphaSharpeRatioVaRCVARExpectedShortfallCAPMBlackScholesMonteCarloBinomialTreeDCFModelFinancialEngineeringCorporateFinanceInvestmentBankCommercialRetailPrivateWealthVentureAngelSeedSeriesPre-IPOPIPEMergersAcquisitionsTakeoversSpinoffsDivestituresRecapitalizationsRestructuringJointVenturesStrategicAlliancesPartnershipsSyndicatesConsortiaCooperativesMutualsFranchiseesLicenseesAffiliatesSubsidiariesConglomeratesHoldingsTrustsFoundationsEndowmentsFamilyOfficesHighNetWorthIndividualHNWIUltraHighNetWorthIndividualUHNWIQualifiedInstitutionalBuyerQIBAccreditedInvestorAIComplexStructuredProductsDistressedSpecialSituationEventDrivenArbitrageConvertibleFixedFloatingPreferredOrdinaryCumulativeRedeemableCallablePuttablePerpetualTreasuryStockAuthorizedIssuedOutstandingFullyPaidBonusScriptRegisteredBearerCommonClassADepositoryReceiptADRGlobalAmericanEuropeanAsianFrontMiddleBackOfficeTradingFloorExecutionClearanceSettlementConfirmationMatchingCollateralizedDebtObligationCDOCreditDefaultSwapCDSCreditLinkedNoteCLNCollateralizedLoanOb...