Research On High Net Value Customer Asset Allocation Of Private Banks

In recent years,with the rapid development of China's economy and the improvement of people's income level,a large number of private wealth has been gradually accumulated,and a number of high-end people with a large number of assets have been born at the same time.Domestic personal financial needs,especially high-end financial needs are increasingly strong.Under this background,personal finance theory was introduced into China,various financial institutions headed by banks began to vigorously develop personal finance business,has set up a high-end customer service department,and cultivate a large number of personal finance personnel.However,at present,the personal financial management market in China is in the initial stage of development,the policy needs to be improved,the institutions compete for profits,and the financial management concept of financial personnel and customers are not mature,the market is product-oriented,revenue-oriented " marketing" tendency is more serious.The theory of personal financial management has not been fully applied,and has become a " gimmick" for financial managers to attract customers.In this paper,the theoretical research and empirical analysis of the combination of research methods,through the study of high-end crowd characteristics,analysis of customer demand for financial management theory,and based on the private banking business of commercial banks,research the application of financial management theory in high-end customer financial services and its important role.Based on the analysis of high-end customer assets and financial objectives,this paper quoted the financial statements,and optimized the characteristics of high-end customers.At the same time,combined with investment planning and life cycle theory,asset allocation optimization recommendations are proposed for customers.Finally,combined with the financial budget theory and objective realization function,the customer can achieve the financial objectives of the budget,and optimize the asset allocation before and after the comparison of financial objectives to meet the degree of comparison,reflecting the application of financial theory.The author hopes that this paper can promote the application of financial management theory in personal financial management and high-end financial management business,and play a role in guiding the jade.