FinAI-Llama3-Ko

๐Ÿš€ Korean Financial Recommendation LLM fine-tuned with LoRA and enhanced with customer/product retrieval-based RAG.

Model Overview

FinAI-Llama3-Ko is a Korean financial recommendation model fine-tuned from Llama-3-Open-Ko-8B using LoRA (Low-Rank Adaptation).

The model is designed to provide personalized financial and insurance recommendations by analyzing customer profiles, investment tendencies, and financial goals.

This repository contains LoRA adapter weights only.

To use this model, load the adapter together with the base model:

Base Model: beomi/Llama-3-Open-Ko-8B


Key Features

Personalized Financial Consultation

The model generates recommendations based on:

  • Age
  • Gender
  • Income level
  • Occupation
  • Credit rating
  • Risk preference
  • Existing financial products
  • Financial goals

Explainable Recommendation Generation

Instead of recommending products directly, the model is trained to generate:

  1. Customer Analysis
  2. Investment Profile Analysis
  3. Recommendation Rationale
  4. Final Recommendation

This enables more transparent and explainable financial advice.

Insurance & Securities Support

Supported domains:

  • Insurance products
  • Securities products
  • Retirement planning
  • Savings planning
  • Investment recommendations
  • Lifecycle-based financial consultation

Dataset

This model was fine-tuned using the labeled dataset from the AI Hub project:

Financial Products, Services and Consumer Characteristics Dataset

  • Provider: AI Hub (Korea)
  • Language: Korean
  • Domain: Finance / Insurance / Securities

Training Samples

Category Samples
Securities 6,400
Insurance 1,600
Total 8,000

The dataset contains:

  • Customer profiles
  • Financial product information
  • Investment preferences
  • Recommendation rationales
  • Consultation scenarios

Data Processing

The original structured consultation data was transformed into an instruction-following format suitable for Supervised Fine-Tuning (SFT).

Training examples follow the format:

<s>[INST]
๋‹น์‹ ์€ ์ƒ์• ์ฃผ๊ธฐ ๊ธฐ๋ฐ˜ ๊ธˆ์œต/๋ณดํ—˜ ์ „๋ฌธ AI ์–ด๋“œ๋ฐ”์ด์ €์ž…๋‹ˆ๋‹ค.

[๋ถ„์•ผ]
๋ณดํ—˜ ๋˜๋Š” ์ฆ๊ถŒ

[๊ณ ๊ฐ์งˆ๋ฌธ]
...
[/INST]

[๊ณ ๊ฐ๋ถ„์„]
...

[ํˆฌ์ž์„ฑํ–ฅ]
...

[์ถ”์ฒœ๊ทผ๊ฑฐ]
...

[์ตœ์ข…๋‹ต๋ณ€]
...
</s>

Reasoning structure:

๊ณ ๊ฐ์งˆ๋ฌธ
    โ†“
๊ณ ๊ฐ๋ถ„์„
    โ†“
ํˆฌ์ž์„ฑํ–ฅ
    โ†“
์ถ”์ฒœ๊ทผ๊ฑฐ
    โ†“
์ตœ์ข…๋‹ต๋ณ€

Training Configuration

Parameter Value
Base Model beomi/Llama-3-Open-Ko-8B
Fine-tuning Method LoRA
Epochs 2
Learning Rate 2e-4
Batch Size 1
Max Sequence Length 2048
LoRA Rank (r) 16
LoRA Alpha 32
GPU NVIDIA A100
Framework Transformers + PEFT

Example

Input

[๋ถ„์•ผ]
์ฆ๊ถŒ

[๊ณ ๊ฐ์งˆ๋ฌธ]
ํ˜„์žฌ ์ž์‚ฐ์€ ์•ฝ 4์ฒœ๋งŒ์›์ด๋ฉฐ, ๊ฒฐํ˜ผ์ž๊ธˆ ๋งˆ๋ จ์ด ๋ชฉํ‘œ์ž…๋‹ˆ๋‹ค. ํˆฌ์ž๊ธฐ๊ฐ„์€ 5๋…„ ์ด์ƒ์ด๊ณ , ์›๊ธˆ ์†์‹ค์€ ํฌ์ง€ ์•Š์•˜์œผ๋ฉด ์ข‹๊ฒ ์Šต๋‹ˆ๋‹ค.

Output

๊ณ ๊ฐ๋‹˜๊ป˜์„œ๋Š” ๊ฒฐํ˜ผ์ž๊ธˆ ๋งˆ๋ จ์ด๋ผ๋Š” ๋ช…ํ™•ํ•œ ๋ชฉ์ ๊ณผ ํ•จ๊ป˜, ๋น„๊ต์  ์งง์€ ํˆฌ์ž ๊ธฐ๊ฐ„(5๋…„ ์ด์ƒ)์„ ๊ฐ–๊ณ  ๊ณ„์‹œ๋ฉฐ, ํฐ ์›๊ธˆ์†์‹ค์—๋Š” ๋ถ€๋‹ด์„ ๋А๋ผ์‹œ๋Š” ๊ฒƒ์œผ๋กœ ํŒŒ์•…๋ฉ๋‹ˆ๋‹ค.
์ด์— ๋”ฐ๋ผ ๋‹จ๊ธฐ์ ์ธ ๋ณ€๋™์„ฑ์ด ๋‚ฎ๊ณ  ์ค‘๋„ ํ™˜๋งค๊ฐ€ ๊ฐ€๋Šฅํ•œ ์œ ๋™์„ฑ์„ ์ค‘์š”ํ•˜๊ฒŒ ๊ณ ๋ คํ•˜์…จ์œผ๋ฉฐ, ์„ธ์ œํ˜œํƒ์ด๋‚˜ ํ˜„๊ธˆํ๋ฆ„์—๋„ ๊ด€์‹ฌ์„ ๋‘๊ณ  ์žˆ์Šต๋‹ˆ๋‹ค.
'OOOOOO OO'๋Š” ๊ตญ๊ณต์ฑ„ ๋“ฑ ์šฐ๋Ÿ‰ ์ฑ„๊ถŒ์— ํˆฌ์žํ•ด ์œ„ํ—˜์ด ๋งค์šฐ ๋‚ฎ๊ณ , ํ‰๊ท  1.62%์˜ ๊ณผ๊ฑฐ ์„ฑ๊ณผ๋ฅผ ๋ณด์—ฌ์™”์Šต๋‹ˆ๋‹ค.
'OOO OOOOOOO' ์—ญ์‹œ ๋งŒ๊ธฐ๊ฐ€ ์—†๊ณ  ์–ธ์ œ ๋“  ํ•ด์ง€๊ฐ€ ๊ฐ€๋Šฅํ•˜๋ฉฐ, ์‹ ์šฉ๋„๊ฐ€ ๋†’์€ ๊ธฐ์—…์–ด์Œ ์ค‘์‹ฌ์œผ๋กœ ์šด์šฉ๋˜์–ด ๋‚ฎ์€ ์œ„ํ—˜์„ ์ถ”๊ตฌํ•ฉ๋‹ˆ๋‹ค.
๋‘ ์ƒํ’ˆ ๋ชจ๋‘ ์œ„ํ—˜๋“ฑ๊ธ‰์ด 6๋“ฑ๊ธ‰(๋งค์šฐ๋‚ฎ์€์œ„ํ—˜)์œผ๋กœ ๋ถ„๋ฅ˜๋˜์–ด ์žˆ์–ด, ๊ณ ๊ฐ๋‹˜์˜ ์š”๊ตฌ ์กฐ๊ฑด์ธ ์›๊ธˆ ์†์‹ค ์ตœ์†Œํ™”์™€ ์ž๊ธˆ ํ™œ์šฉ ์œ ์—ฐ์„ฑ์„ ๋™์‹œ์— ๋งŒ์กฑํ•  ์ˆ˜ ์žˆ๋Š” ์„ ํƒ์ง€๋ผ๊ณ  ํ•  ์ˆ˜ ์žˆ๊ฒ ์Šต๋‹ˆ๋‹ค.
๋‹ค๋งŒ ๊ฐ ์ƒํ’ˆ๋งˆ๋‹ค ์„ธ์ œํ˜œํƒ ์ œ๊ณต ์—ฌ๋ถ€ ๋˜๋Š” ์ถ”๊ฐ€ ๋‚ฉ์ž… ๋ฐฉ์‹, ๊ทธ๋ฆฌ๊ณ  ์‹ค์ œ ํˆฌ์ž ๋Œ€์ƒ ์ฐจ์ด๊ฐ€ ์žˆ์„ ์ˆ˜ ์žˆ์œผ๋ฏ€๋กœ, ๊ตฌ์ฒด์ ์ธ ์žฅ๋‹จ์ ๊นŒ์ง€ ๋น„๊ตํ•˜์‹  ํ›„ ๊ฒฐ์ •ํ•˜์‹œ๋ฉด ๋”์šฑ ์ข‹๊ฒ ์Šต๋‹ˆ๋‹ค.

RAG Pipeline (Implemented)

FinAI-Llama3-Ko incorporates a RAG-based recommendation system.

  • Customer Vector Database (335,506 customer records)
  • Product Vector Database
  • FAISS-based Semantic Search
  • Similar Customer Retrieval
  • Personalized Recommendation Generation

Future Work

Intended Use

Suitable for:

  • Financial recommendation research
  • Korean financial NLP research
  • Financial chatbot development
  • Insurance recommendation systems
  • Retrieval-Augmented Generation experiments

Not intended for:

  • Real financial advice
  • Investment guarantees
  • Production financial services without human review

Limitations

  • Recommendations are generated from historical training data.
  • Financial products and regulations may change over time.
  • Outputs should be reviewed by qualified financial professionals before use in real-world financial decision-making.

Disclaimer

This model is intended for research and educational purposes only.

The generated outputs should not be interpreted as professional financial, investment, insurance, or legal advice.

Users are responsible for verifying all recommendations before making financial decisions.

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