Analysis on the Influencing Factors of Commercial Financial Asset Allocation Structure Driven by Big Data

With the rapid development of artificial intelligence technology, economy and artificial intelligence have achieved deep integration. The development of information technology such as big data, cloud technology and data graphics has laid the foundation for the consumption change in the financial field. The intelligent structure of commercial financial asset allocation provides financial services based on artificial intelligence algorithms, which lowers the threshold of traditional financial investment services and is comprehensive and convenient. However, at present, the user adoption rate and utilization rate of commercial asset allocation in China are relatively low. This paper uses structural equation model to analyze the influencing factors of artificial intelligence in the allocation structure of commercial financial assets. First, the basic information of the respondents is described, and then the reliability and collinearity are checked. The latent variables CA are greater than 0.7, CR values are higher than the critical value of 0.5, and are above 0.8, and VIF values are less than the critical value of 5. That is to say, the latent variables have good consistency, all pass the reliability test, the model has high reliability, and there is no serious collinearity problem, and the path estimation of the structural model will not be adversely affected; Finally, the model is tested, and it is found that the model has a strong degree of explanatory power, innovation and privacy have a significant impact on the intention to use, while age, gender and risk preference have no significant impact on the intention to use. Understanding the influencing factors of AI in the allocation of commercial financial assets driven by big data can promote the technical services of AI technology for the allocation of financial assets more pertinently.