澳门特别行政区官网：www.baidu.com

　　澳门政策文件

　　【文档编号】：MO20XX-M003
【文件状态】：征求意见稿
【发文单位】：澳门特别行政区政府
【秘密等级】：内部
【成文时间】：20XX年XX月XX日

　　澳门管家婆100%精准：生活支出智能规划助手

　　澳门特别行政区政府

　　前 言

　　随着信息科技的不断进步和澳门居民生活水平的不断提高，智能化、自动化的财务管理方式逐渐成为主流趋势。鉴于此，澳门特别行政区政府特推出“澳门管家婆100%精准：生活支出智能规划助手”（以下简称“澳门管家婆”）项目，旨在利用最新的智能技术，为澳门居民提供一个全面的、个性化的生活支出智能规划工具。该工具将通过科学的算法，结合用户的实际需求，帮助用户实现生活支出的精准规划与管理，提高居民生活质量，促进澳门经济的持续发展。

　　一、项目背景及目的

　　随着大数据、云计算、人工智能等技术的发展，金融服务业正面临前所未有的变革。澳门特别行政区政府紧扣时代脉搏，决定推出一款生活支出智能规划工具“澳门管家婆”，以满足居民对于财务管理智能化的需求。该工具能够根据每个用户的消费习惯和经济状况，提供个性化的支出规划建议，以降低财务风险和提高生活品质。

　　二、项目目标

1. 提高居民对于自己生活经济状况的认知度，减少盲目消费行为。
2. 引导居民形成更加科学的消费观念，促进居民合理消费。
3. 提升居民整体的经济管理能力，为澳门良好的商业环境和社会发展提供助力。
4. 通过推动技术发展趋势，进一步促进澳门的科技进步和创新发展。

　　三、项目研发与管理

　　（一）技术路线

　　本项目将采用开放、合作的方式，紧密联合澳门科技有限公司、澳门大学等优秀的科研机构和高校团队，共同研发智能生活支出管理系统。通过整合各类数据分析和人工智能技术，研发出集数据采集、智能分析、建议输出等多功能于一体的智能规划系统。

　　（二）系统功能

　　“澳门管家婆”将涵盖如下功能模块：

1. 数据采集模块：通过用户授权，自动采集用户银行账户、购物平台账户等各类账户的交易记录和流水信息，以获取用户的财务数据。
2. 智能分析模块：通过对用户财务数据的智能分析，提供收支状况、消费偏好、库存积压等方面的数据可视化服务。
3. 规划建议模块：系统将结合用户实际需求，为用户提供个性化的支出规划建议，如预算设置、消费优化、资金分配等。
4. 资讯推送模块：通过集成各类财经资讯，为用户提供市场动态、理财产品推荐等最新资讯服务。

　　（三）管理与监督

　　“澳门管家婆”项目由澳门特别行政区政府设立专项工作组进行管理，工作组成员包括相关政府部门、科研机构、行业协会等，主要职责为：

1. 制定项目开发、实施和监督计划。
2. 协调各方资源，包括技术研发、产品测试、推广宣传等。
3. 处理项目实施过程中出现的各种问题和意外情况。
4. 定期向澳门特别行政区政府报告项目进展情况。

　　四、项目推广计划

　　为有效推广“澳门管家婆”，澳门特别行政区政府将整合多种渠道和资源，实现全方位、多角度的推广。

　　（一）线上推广

1. 建立官方网站和社交媒体平台官方账号，提供详尽的项目介绍、操作指南、常见问题解答等内容。
2. 在澳门特别行政区政府官方网站进行公告，通过澳门各大媒体进行项目报到。
3. 利用澳门本地的知名应用平台，如澳门支付、澳门银行等，开展线上推广活动。

　　（二）线下推广

1. 在澳门热门商业区域、购物中心和人流密集的公共设施设置现场宣传咨询点。
2. 利用澳门各大高校、社区中心等场所举办“澳门管家婆”知识讲座和产品体验活动。
3. 与澳门各大商会、行业协会、消费者权益保护组织等机构合作，联合进行项目推广。

　　五、项目效果评估

　　“澳门管家婆”项目将定期开展效果评估，包括但不限于以下几个方面：

1. 用户满意度：通过用户调查、问卷等方式，收集用户对“澳门管家婆”的使用感受，进行满意度评估。
2. 经济效益：对比项目实施前后用户的支出节约情况，评估项目对澳门居民经济生活水平的提升效果。
3. 社会影响：评估“澳门管家婆”对澳门居民科学消费观念的影响，以及对澳门商业环境和社会发展趋势的正面作用。

　　六、项目预算

　　澳门特别行政区政府将为“澳门管家婆”项目投入总计XXXX元资金，具体包括：

1. 技术研发费：XXXX元，主要用于购买软件、服务器等产品，以及支付相关技术团队的研发费用。
2. 推广运营费：XXXX元，包括线上广告、社交媒体推广等网络推广费用，以及线下宣传咨询点设置、活动组织等费用。
3. 项目评估与支持费：XXX元，用于组织项目效果评估、成果展示会等活动的开展。

　　七、附则

1. 本项目文件供澳门特别行政区政府相关部门内部征求意见，未经许可不得外泄。
2. 项目实施过程中，澳门特别行政区政府将根据实际情况进行部分调整，包括但不限于项目预算、推广方式等。

　　澳门特别行政区政府

　　EXPLANATORY NOTE

　　Title: 100% Precise: Life Expense Intelligent Planning Assistant - Macau Housekeeper

　　Preface:

　　With the continuous advancement of information technology and the improvement of the living standards of residents in Macau, intelligent and automated financial management methods have become a new trend. In light of this, the government of Macau has launched the project "Macau Housekeeper 100% Precise: Life Expense Intelligent Planning Assistant" (hereafter referred to as "Macau Housekeeper") to provide residents with a comprehensive and personalized life expense intelligent planning tool using the latest intelligent technology. This tool will use scientific algorithms, combined with the actual needs of users, to assist users in planning and managing life expenses accurately, improving the quality of life, and promoting sustainable economic development in Macau.

　　I. Project Background and Purpose

　　With the development of technologies such as big data, cloud computing, and artificial intelligence, the financial service industry is facing unprecedented changes. The government of Macau has kept pace with the times and decided to launch an intelligent life expense management tool, "Macau Housekeeper", to meet the needs of residents for intelligent financial management. The tool will provide personalized expenditure planning advice based on each user's consumption habits and financial status, reducing financial risks and improving the quality of life.

　　II. Project Goals

1. Increase residents' awareness of their own economic conditions and reduce impulsive consumption behavior.
2. Guide residents to form a more scientific concept of consumption and promote reasonable consumption among residents.
3. Enhance the overall financial management capabilities of residents, contributing to a favorable business environment and social development in Macau.
4. Drive technological development trends, further promoting technological progress and innovation in Macau.

　　III. Project Research and Management

　　(1) Technical Route

　　The project will adopt an open and collaborative approach, closely working with outstanding scientific research institutions and university teams such as Macau Technology Co., Ltd. and the University of Macau, to jointly develop an intelligent life expense management system. The system will integrate various data analysis and artificial intelligence technologies to create an all-in-one intelligent planning system with functions such as data collection, intelligent analysis, and suggestion output.

　　(2) System Functions

　　"Macau Housekeeper" will include the following functional modules:

1. Data Collection Module: Automatically collect users' financial data, such as transaction records and account statements, through users' authorization from various accounts such as bank accounts and shopping platform accounts.
2. Intelligent Analysis Module: Provide data visualization services such as income and expenditure status, consumption preferences, and inventory backlog by intelligently analyzing users' financial data.
3. Planning Suggestion Module: The system will provide personalized expenditure planning suggestions, such as budget setting, consumption optimization, and fund allocation, based on users' actual needs.
4. Information Push Module: Integrate various financial news to provide users with the latest news services, such as market dynamics and product recommendations.

　　(3) Management and Supervision

　　The "Macau Housekeeper" project will be managed by a special task force established by the government of Macau. The task force members include relevant government departments, scientific research institutions, industry associations, etc. Their main responsibilities are:

1. Formulate project development, implementation, and supervision plans.
2. Coordinate resources such as technology research and development, product testing, and promotional activities.
3. Handle various problems and unexpected situations that arise during the project implementation process.
4. Regularly report on the progress of the project to the government of Macau.

　　IV. Project Promotion Plan

　　To effectively promote "Macau Housekeeper", the government of Macau will integrate various channels and resources for all-round and multi-angle promotion.

　　(1) Online Promotion

1. Establish an official website and social media official accounts, providing detailed project introductions, operation instructions, frequently asked questions, and other content.
2. Announce the project on the official website of the government of Macau and report the project through major media in Macau.
3. Collaborate with well-known application platforms in Macau, such as Macau payment and Macau Bank, to carry out online promotional activities.

　　(2) Offline Promotion

1. Set up on-site publicity and consultation points in popular commercial areas, shopping centers, and public facilities with heavy traffic in Macau.
2. Host "Macau Housekeeper" knowledge lectures and product experience activities in places such as universities, community centers, and other venues in Macau.
3. Collaborate with major chambers of commerce, industry associations, consumer rights protection organizations, and other institutions in Macau to jointly promote the project.

　　V. Project Effectiveness Evaluation

　　"Macau Housekeeper" project will conduct regular effectiveness evaluations, including but not limited to the following aspects:

1. User Satisfaction: Collect users' feelings about the use of "Macau Housekeeper" through user surveys, questionnaires, and other means for satisfaction evaluation.
2. Economic Benefits: Compare the saving situation of users' expenditures before and after the implementation of the project to evaluate the project's effect on improving the economic living level of residents in Macau.
3. Social Impact: Evaluate the impact of "Macau Housekeeper" on residents' scientific consumption concepts and its positive effects on the Macau commercial environment and social development trends.

　　VI. Project Budget

　　The government of Macau will invest a total of XXXX in the "Macau Housekeeper" project, specifically including:

1. Technology Research and Development Fee: XXXX, mainly used to purchase software, servers, and other products, as well as pay for the development costs of relevant technical teams.
2. Promotion and Operation Fee: XXXX, including online advertising, social media promotion, and other network promotion costs, as well as offline publicity consultation points, activities, and other costs.
3. Project Evaluation and Support Fee: XXX, used for organizing project effectiveness evaluations, achievement exhibitions, and other activities.

　　VII. Supplementary Provisions

1. This project document is for internal opinions within the relevant departments of the government of Macau and shall not be disclosed without permission.
2. During the implementation of the project, the government of Macau will make partial adjustments according to the actual situation, including but not limited to project budget, promotion methods, etc.

　　The government of Macau