機器人理財(Robot-Advisory)為人工智慧整合大數據的計算系統，運用現代投資組合理論等投資分析機器學習，自動化計算，並提供組合之建議。自從2008年開始，美國與歐洲就提供線上資產管理加值服務，並收取相關手續費的智慧型理財公司成立，線上專業投資顧問的加值服務迅速地興起。2015年，智慧型理財概念首次引入台灣，並獲得快速的發展，引起金融產業的高度重視。本研究對智慧型理財在國內外市場的應用，以及分析台灣發展智慧型理財的價值，並對未來的發展趨勢做了展望。本研究認為，在以散戶為主的市場來發展智慧型理財，可以提供豐富的產品加值服務、專業化的給予投資人建議、客觀的投資決策，引導投資人建構正確的投資理念，有利促進機械化且從股票市場獲利，但是智慧型理財的創新業務，同樣也需要監管機關制定適當的監管措施，以及防範風險的管控。
現今智慧型技術的不斷創新發展，機器人研究也如火如荼地發展，在投資顧問領域中出現了機器人理財，運用智慧型電腦及其他行動智慧型終端機來做理財工具，因此人們也將其稱為“智慧型理財”。從智慧型理財誕生至今，在發展流程之中，不斷持續地改善。但是考量到其作為一項新興的產業，在智慧型理財監管方面尚有不足之處。因此本研究將運用分析來研究智慧型理財的發展現況，針對如何對智慧型理財做有效的監管提出見解。

Robot-Advisory is a computing system that integrates big data for artificial intelligence, uses modern investment portfolio theory to analyze machine learning, automates calculations, and provides advice on combinations. Since 2008, the U.S. and Europe have established intelligent wealth management companies that provide online asset management value-added services and collect relevant fees. The value-added services of online professional investment consultants have rapidly emerged. In 2015, the concept of smart financial management was introduced to Taiwan for the first time and achieved rapid development, which caused the financial industry's attention. This study applies smart money management to domestic and foreign markets, analyzes the value of developing smart money management in Taiwan, and looks ahead to the future development trend. This study believes that the development of smart financial management in a retail market dominated by individual households can provide a wealth of product value-added services, provide investors with professional advice, and make objective investment decisions, and guide investors to construct correct investment ideas and promote favorable investment. Mechanized and profitable from the stock market, but the innovative business of smart financial management also requires regulatory agencies to develop appropriate regulatory measures and to prevent risk management.
With the continuous innovation and development of today’s smart technologies, robotics research is also developing in full swing. In the field of investment consultants, robot finance has emerged, and smart computers and other mobile smart terminals have been used as financial tools. Therefore, people also call it “ Smart financial management." Since the birth of smart financial management, continuous improvement has been made in the development process. However, considering it as an emerging industry, there are still deficiencies in smart financial supervision. Therefore, this study will use analysis to study the current development of smart financial management and provide insights on how to effectively manage smart financial management.

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