Research On Private Bank Customer Asset Allocation Of Commercial Banks Under The New Normal Economic Situation

China's economy has experienced rapid growth in recent years,and the overall economic growth has stabilized.The large economic environment has a direct impact on the development level of personal financial services in China,especially for the allocation of assets with high assets.This paper analyzes the factors that influence the asset allocation of private banks through reading a lot of literature.Based on the principle of asset allocation and the current situation of private banking financial business development at home and abroad,this paper studies the asset allocation management in order to obtain the necessity of improving the assets management ability of private banks.The Black-Litterman model is adopted by using the flow pattern of foreign asset allocation,and the variable parameters are carried out before the study.According to several private banks in the mainstream of China,we select six better asset management services to collect data and analyze the income,make statistics on the macro index of capital,construct the model of asset regression,and analyze the current situation of China's economic development and the distribution of wealth in high asset allocation.The asset management of the private banking department of the state banking industry provides relevant suggestions to provide a feasible asset management plan.Under the current economic environment,this paper takes the private bank customers of commercial banks as the research object to study the asset allocation problem,which is of great significance to understand the principle of asset allocation and realize capital gains.Firstly,it is conducive to provide stable and efficient asset preservation and appreciation for the target customers,realizing the practicality of asset allocation;secondly,for the country,the study of asset allocation management theory is conducive to enhancing the capital-oriented role of enterprises and individuals,and improving the efficiency of the overall market resource allocation;finally,high net worth customers are asset allocation.After the breakthrough of the asset allocation management model,the main groups of the research also play a very important role in guiding the application of asset allocation to the general investors.