arXivDaily arXiv每日学术速递 周一至周五更新
arXiv 2506.09080cs.LGcs.AIq-fin.CP
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FinHEAR:面向金融决策的人类专家知识与自适应风险感知时序推理

FinHEAR: Human Expertise and Adaptive Risk-Aware Temporal Reasoning for Financial Decision-Making

Fudan University(复旦大学);Tensorpacific;Peng Cheng Laboratory(鹏城实验室);Meta AI;Shanghai Academy of AI for Science (SAIS)(上海人工智能科学研究院)

Jiaxiang Chen, Mingxi Zou, Zhuo Wang, Qifan Wang, Dongning Sun, Chi Zhang, Zenglin Xu

AI总结:

FinHEAR提出多智能体框架,结合人类专家知识与自适应风险感知,提升金融决策的时序推理与鲁棒性,在趋势预测和交易中优于强基线。

摘要:

金融决策为语言模型带来了独特的挑战,要求其具备时序推理、自适应风险评估以及对动态事件的响应能力。尽管大型语言模型(LLMs)展现出强大的通用推理能力,但它们往往无法捕捉人类金融决策中的核心行为模式,例如信息不对称下的专家依赖、损失厌恶敏感性以及反馈驱动的时序调整。我们提出了FinHEAR,一个用于人类专家知识与自适应风险感知推理的多智能体框架。FinHEAR编排了基于LLM的专门智能体,在事件中心的流水线中分析历史趋势、解读当前事件并检索专家知情的先例。基于行为经济学,它整合了专家引导的检索、置信度调整的头寸规模设定以及基于结果的细化,以增强可解释性和鲁棒性。在精选金融数据集上的实证结果表明,FinHEAR在趋势预测和交易任务中持续优于强基线,实现了更高的准确率和更好的风险调整收益。

英文摘要:

Financial decision-making presents unique challenges for language models, demanding temporal reasoning, adaptive risk assessment, and responsiveness to dynamic events. While large language models (LLMs) show strong general reasoning capabilities, they often fail to capture behavioral patterns central to human financial decisions-such as expert reliance under information asymmetry, loss-averse sensitivity, and feedback-driven temporal adjustment. We propose FinHEAR, a multi-agent framework for Human Expertise and Adaptive Risk-aware reasoning. FinHEAR orchestrates specialized LLM-based agents to analyze historical trends, interpret current events, and retrieve expert-informed precedents within an event-centric pipeline. Grounded in behavioral economics, it incorporates expert-guided retrieval, confidence-adjusted position sizing, and outcome-based refinement to enhance interpretability and robustness. Empirical results on curated financial datasets show that FinHEAR consistently outperforms strong baselines across trend prediction and trading tasks, achieving higher accuracy and better risk-adjusted returns.

机构、总结、中文摘要均由AI分析而来,可能存在错误,请以论文正文为准。

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