Study On The High Net Worth Clients' Asset Allocation Of Commercial Banks

In recent years,the rapid development of China's economy and the continuous improvement of personal wealth creat many high net worth people.2012 ~2014,the number of China's high net worth individuals increased,related data show that by the end of 2014,the total number of China's high net worth has more than 1 million people.As China's economy has entered a sustained and stable development stage,after a perennial accumulation of the capital,high net wealth population proceed transformation of the three stages,respectively as: wealth creation stage,stage to keep the rich,stage to transmit the rich.At the same time,the capital management of high net worth individuals also has a fundamental change from the traditional mode of independent to the operation depend on the wealth management institutions.So,in order to adapt to the continuous development of social economy,the reform of financial market has been advancing,the number of wealth management institutions has been increasing for the reform and innovation of the financial industry to bring a new breath.In China,commercial banks as traditional and important financial institutions,its important position meet serious threat.Therefore,how to meet the needs of high net wealth individuals investment demand and asset allocation needs,it is so important to commercial banks.At present,the commercial banks' most important work isto fully understand the wealth of high net worth clients' investment and asset allocation needs.The characteristics of in-depth understanding of the high net worth clients wealth of information,demand,risk control ability to formulate reasonable asset allocation plan,not only for commercial bank's personal financial business development direction,but also for high net wealth individuals from investment and asset allocation provided financial advice.From the basic situation of China's commercial banks at the present stage,asset allocation plan of high net worth clients have a lot of problems,this paper,from the present stage of our country commercial bank asset allocation scheme of high net worth clients develop the objective and in-depth analysis and research,through the analysis of different types of high net wealth customer information,demand,risk preferences and other factors,to find out the directly affect factor of high net worth clients asset allocation,asset allocation solution based on reasonable and effective suggestions for commercial banks will provide certain reference value to personal financial business development and customer investment asset allocation...