任務型理財機器人的出現，打破了傳統的理財方式，除了具備門檻低、近24小時不間斷、低額手續費的優點，透過大量投資標的的歷史資料，例如：股票、基金、債券等等，可以分析未來可能潛在的趨勢，使得預測金融市場的發展變為可能，客戶也可以隨時隨地與理財機器人進行互動，選擇最適合自己的投資組合。
本研究使用LINE作為建構機器人的社交軟體平台，開發兩種類型的機器人，比較問答型機器人以及關鍵字式機器人對談上的不同，並且透過分析投資人的風險容忍類型，推薦適合的股票投資群組給予使用者作為投資建議，最後計算歷史平均報酬率是否符合使用者預期，驗證股票投資群組的可信價值。

The development of task-based financial management robots has broken the traditional financial management methods. In addition to the advantages of low thresholds, nearly 24 hours of uninterruptedness, and low fees, researchers can analyze the possibility of future trend and predict financial markets through a large amount of historical data of investment targets, such as stocks, funds, bonds, etc. Customers can also interact with financial robots anytime at anywhere, and choose investment portfolio that is the most suitable for them.
This study uses LINE as a social software platform to construct financial robots. We develop two types of robots, compare the differences between question-and-answer robots and keyword-type robot, and make robots recommend suitable stock investments by analyzing the risk tolerance of investors. Robots give users investment suggestions, and calculates whether the historical average return rate is in line with user expectations to verify the credibility of the stock investment group.

第一章、緒論 1
1.1 研究動機 1
1.2 研究目的 2
1.3 研究流程 3
第二章、文獻探討 5
2.1 理財機器人 5
2.1.1 玉山銀行 8
2.1.2 王道商業銀行 9
2.1.3 復華投信 10
2.1.4 台新Richart 10
2.1.5 中國信託智動GO 10
2.1.6 永豐銀行 ibrAin智能理財 12
2.1.7 富邦銀行奈米投 13
2.1.8 國泰投信智能投資 14
2.1.9 Trading Valley 15
2.1.10 Wealthfront 17
2.1.11 Betterment 17
2.1.12 螞蟻聚寶 18
2.2 投資理論相關文獻 19
2.2.1 投資組合理論 19
2.2.2 效率前緣 19
2.2.3 效率市場假說 19
2.2.4 夏普指標 20
2.3 風險相關文獻 21
2.3.1 風險值 21
2.3.2 風險容忍度 21
2.3.3 與風險容忍相關聯之因素 21
2.4 ETF 23
2.4.1 道瓊工業指數 23
2.4.2 標準普爾500指數 23
2.4.3 元大台灣50 24
第三章、實驗架構 25
3.1 實驗流程 25
3.2 股票資料前處理 27
3.3 風險評估選項與評分 29
3.4 實驗一、風險評估問答型機器人 32
3.5 實驗二、關鍵字理財機器人 34
第四章、實驗結果 37
4.1 股票前處理 37
4.2 實驗一、風險評估問答型機器人 39
4.2.1 連結Linebot、Google Apps Script、Google Sheet 39
4.2.2 分數計算 39
4.2.3 股票投資組合推薦 40
4.2.4 輸入錯誤與結束訊息 40
4.3 實驗二 42
4.3.1 連結Linebot、QnA Maker、Heroku 42
4.3.2 建立QnA Maker知識庫 42
4.4 實驗驗證 45
4.4.1 受測者使用風險評估問答型機器人 45
4.4.2 受測者使用關鍵字理財機器人 47
第五章、結論與未來發展 49
5.1結論 49
5.2未來發展 49
參考文獻 51

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