Kai Zhang

The impact of financial risks extends beyond the normal operation and survival of industrial and commercial enterprises and financial institutions. They also have the potential to impede the stable development of a country's and even the world's financial economy. This is clearly demonstrated by the severe consequences of the frequent financial crises that have occurred in recent years. It thus follows that the prevention of financial risks has become one of the core tasks of the operation and management of industrial and commercial enterprises and financial institutions. Portfolio optimization techniques are employed in the construction of a variety of asset allocation models, with reinforcement learning algorithms used to dynamically adjust investment strategies with the objective of maximizing returns and minimizing risks. The preliminary construction of an asset allocation model is achieved through the utilization of a genetic algorithm. Genetic algorithms emulate the processes of natural selection and genetic variation to identify the optimal portfolio of assets that will yield the greatest returns at a pre-established level of risk. Subsequently, the Deep Q-Learning algorithm is introduced to facilitate dynamic adjustments and optimization of the asset allocation, based on the initial construction. Deep Q-learning employs deep neural networks to forecast the prospective returns of disparate investment strategies, thereby optimizing the decision-making process through continuous learning and updating. The combination of genetic algorithms and deep Q-learning enables the system to identify the optimal investment strategy under a diverse range of initial conditions and to adapt it in real-time to respond to market fluctuations and uncertainties. The experimental analysis demonstrates that the proposed method exhibits an exemplary capacity for risk control and a robust ability to generate stable income growth across diverse market environments. In simulation experiments, portfolios constructed using this method demonstrate lower volatility and higher average returns than those generated through traditional methods.

In a trip planning service, travelers first set a starting point, a destination, and a sequential list of specific points of interest types (e.g., museums, restaurants, and parks). Based on this information, the service searches the spatial database to customize the best travel itinerary for the tourist. However, in previous studies, planners only considered the time factor when designing the optimal route, and failed to fully consider the quality of each point of interest. In this study, we specifically leveraged the capabilities of large language model to parse and respond to complex travel-related user queries. To apply large language model to route planning, we fine-tuned the model to understand geotagging and user travel preferences. We have introduced a novel graph search algorithm combined with large language model output, which optimizes the route search process to provide optimal travel recommendations by taking into account various factors such as distance length, budget constraints, and popularity of tourist attractions. In addition, we have integrated real-time traffic data and historical travel data to further improve the prediction accuracy and application usefulness of the model. In the experimental validation phase, we designed a series of benchmarks to compare the performance of the system with traditional algorithms and other machine learning-based route planning methods. Experimental results show that our model has a significant improvement compared with traditional methods in improving the speed and accuracy of path selection.