Abstract: the most direct effect of the application of artificial intelligence in the field of financial technology is“intelligent investment”. Finance has to deal with data and algorithms. As big data and algorithms become more mature, the application of intelligent clients is getting faster and faster. With the rapid rise of intelligent investment business, it has received attention and capital support from all sides. Therefore, this article chooses intelligent interest industry as the research object, and expounds the intelligent vote in today's development background, present situation and advantages.This article probes into the development of intelligent client industry from the perspectives of its own advantages,market and cultural differences by comparison of intelligent clients between China and the United States. It summarizes the intelligent vote in transaction cost, the threshold of industry and development trend of management fees, etc,in order to promote intelligent gu industry development.

Key words: fintech, intelligent investment, development status, development trend