Research On The Assets Allocation Of Middle And Low Assets In Internet Financial Optimization

After 30-year’s reform and openness, the Chinese economy development level and household wealth level have great improvement. The wealth’s households cultivate the demand of finance service for household asset allocation, which is very big market for China finance agency.Base on the fact of underdevelopment and closed finance market, China traditional and limited finance resources focus on high-level wealth household. In a result, the un-wealth households are ignored for long time by China finance system.Both demand and supply sides caused the lack of finance service for un-wealth household. From demand side, the small size of asset and traditional thinking model mainly influence the un-wealth household to allocate the asset on low efficiency, structured traditional asset portfolio or leave unused. From supply side, traditional finance agency can’t offer the finance service to un-wealth household because of high operation cost and they don’t want to do so because of limit resource, considering the background of traditional finance agency’s market position and monopoly power.Recently years, rapidly development of internet technology, internet economy and reform in China finance system changed the technology foundation,economy foundation and policy foundation respectively, which together brought the greatly development of internet finance. Internet finance can easily solve the cost and resource problem of traditional finance agency on servicing und-wealth household by long-distance service and few cost for expand service. At this point of time, the internet finance is treated as positive complementary for traditional finance system. Cultivating the potential demand market also is advantage of internet finance. Typical internet finance development roadmap started from internet economy, then internet life-style, and then networking money. Networking money offer plenty of money resource for internet finance, which brought inclusive finance coming true. The development of internet finance came to diversified product age.There have three big effects on household asset allocation of un-wealth households caused by internet finance. The first effect is improving the efficiency of household asset allocation of un-wealth household by offering higher interest finance product. The second effect is activating the existing sediment asset to circulation field, which is key role to improve the efficiency of entire economy running, and then improve the single household economy as a return. The third effect is enhancing the reachable level of finance service among to un-wealth household, which never be serviced by traditional finance system.In the final, the paper offered two suggestions. The first suggestion is focuses on and speeds up the development of mobile internet technology. The second suggestion is enhancing regulation level in internet finance, increasing the education intensity of investment and risk awareness of un-wealth household.