A robo-advisor is an investment advisor based on core artificial intelligence technology. The technology encompasses perceptual intelligence, related to human sensory awareness such as vision and hearing; and cognitive intelligence, linked to human language, understanding and logic, such as learning, reasoning, thinking, and planning. At the current stage of development, perceptual AI mainly comprises image recognition technology, including iris and facial recognition, and unmanned driving as regards vision; and speech synthesis, voiceprint recognition, and speech evaluation as regards hearing. Cognitive AI, which is applied in games, chess, and most notably in natural language processing (NLP), includes semantic analysis, pragmatic analysis, machine translation, text matching, text classification, and dialogue system. Hence, AI technology must correspond to at least one of “eyes, ears and mouth”. Any non-human advisor in the financial industry that does not involve one of these three is simply an application of traditional network engineering technology, and cannot be included under the term robo-advisor.
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On March 28, 2018, Guiding Opinions of the People’s Bank of China, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission and the State Administration of Foreign Exchange on Regulating the Asset Management Business of Financial Institutions (hereinafter referred to as the "New Regulations on Asset Management").