Report On The Asset Allocation Of HNWI

Asset allocation is the core content of the development of the banking industry.With the deepening of the economic system reform in China,on the one hand,the household assets and wealth in China has increased year by year.The data shows that the population that people has more than ten million of the investment assets in China has exceeded one million until the end of 2015.On the other hand,with the deepening of the interest rate liberalization,the traditional deposit and loan business of profit share which commercial banks always relied on has decreased gradually.The situation illustrates that high-net worth customer market will have a considerably active prospect.It also proves that excellent wealth management capacity and good asset allocation ability become the key factor to the competitiveness of commercial banks.Therefore,the ability which can improve the quality of commercial banks in the advanced financial investment products and services through a good asset allocation to help the high-net worth customers to achieve the target of main wealth and occupy the high-net worth customer wealth market become the focus of the future development of commercial banks.In this report,we study the basic characteristics and the preferences of asset allocation of high-net worth clients in Tianjin using telephone interview,questionnaires,network consulting,face-to-face communication.And we do the research in current main investment products,the professional processes of asset allocation and customized services of asset allocation in China Merchants Bank using literature research and field research.By the analysis of the research data,we summarize the advantages and restrictive conditions of high-net worth clients' asset allocation in China Merchants Bank.Based on the investigation of the high-net worth market environment in Tianjin and the asset allocation of China Merchants Bank,we find that China Merchants Bank has scientific asset allocation process,excellent product allocation system and good reputation.But at the same time,there are shortcomings in the high-end customer market development,marketing service personnel quality and ability of overseas asset allocation needing to be improved.Based on the investigation and analysis on the asset allocation of high-net-worth individual in Tianjin Branch of China Merchant Bank,the report puts forward the proposals to optimize the asset allocation of high-net-worth individual in commercial banks.That is:optimizing asset allocation service process,enriching product allocation system,establishing a good reputation,developing high-net-worth individual market,improving the quality of financial service personnel,enhancing ability of overseas asset allocation.