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Top1. Introduction
The allocation efficiency of financial resource is of great strategic significance to economic growth and industrial upgrading. For nearly a century, the research on the allocation efficiency of financial resource has never been interrupted, and great progress has been made in both theoretical and empirical research, which is deeply concerned by He(2019). Some researchers mainly analyze the allocation efficiency of regional financial resources theoretically (Zhao and Song, 2019; Qian, 2019; Zhao and Huang, 2019; Yu, 2019; Zhang and Lin, 2019; XI and Du, 2019), and combining with regional situation they made empirical research by applying data. Li and Yang (2013) studied the optimal distribution model of resources in the fields of loans, securities, insurance policies, individuals, enterprises and government departments. Feng and Yang(2018) pointed out the economic effect of the allocation efficiency of financial resource. Hu (2016) summarized the researching development of domestic and foreign scholars on the allocation of financial resources, most of the existing studies mainly focus on the theory of financial resource allocation and the empirical research of allocation efficiency. In them the results of theoretical research mainly include the concept and attribute of financial resources, as well as the object, target, scope and mechanism of financial resource allocation. The empirical research results mainly include setting up the index evaluation system of financial resource allocation efficiency, evaluating the allocation efficiency of financial resources for countries, empirically analyzing the relationship between regional financial development and economic growth so as to test the coordination between finance and economy. These theoretical and empirical studies have promoted the theory of financial resource allocation to be perfected and developed continuously in the direction of systematization. In addition, combining with a large number of references, it is not difficult to find that there are the following disadvantages in the current research: firstly, there are more qualitative analysis, but less quantitative analysis. Although there are more empirical studies, they mainly rely on the obtained data for verification, and most of them are regional resource allocation studies, and there are less studies on establishment of mathematical models, design algorithms, and quantitative research; secondly, there are more empirical analysis on the allocation efficiency of micro financial resource, and less research on the macro financial resource allocation efficiency; Thirdly, in terms of index system, it is urgent to combine with the background of the financial era and keep pace with the times in order to establish and perfect evaluation index system and measurement system of financial resources allocation efficiency; Fourthly, in regional research, few people have conducted a comprehensive and systematic study on the problem of regional financial resource allocation, and in the meantime, it is not comprehensive to analyze the cross-sectional data within a year or for a province. In view of the first disadvantage, this paper makes a quantitative analysis on the risk and return rate of investors, establishes a model and applies the optimization algorithm to solve the problem.
1.1 Efficiency and Risk of Financial Resource Allocation
With the increase of some uncertain factors such as novel coronavirus, the risk of financial resources allocation is emerging. How to effectively avoid the risk of financial resources allocation, optimize the allocation of financial resources and improve the efficiency of financial resources allocation is an important topic. The government allocates financial resources to individuals, enterprises and departments in order to enable them to obtain greater economic returns, which is directly proportional to the efficiency of financial resources. Before investing in individuals, enterprises and departments, the government should evaluate and predict their return in a certain period of time. The expected rate of return is often used to describe this kind of return, and the risk factors should be considered at the same time. Therefore, the expected rate of return and risk of financial resource allocation are important index for investment analysis (Feng and Yang, 2018).