Case Study On The Allocation Of Customer Pension Assets In Commercial Banks

Personal finance is the process of making rational use of financial resources and achieving personal personal goals.The core of personal finance is mainly to implement the requirements and target customers according to the customer's assets status and risk preference,the fundamental purpose of personal finance is to achieve their goals in life in the economy,at the same time to reduce people's financial future anxiety.Thus,personal finance is actually a kind of service.Such services include real estate investment planning,securities investment planning,education planning,retirement planning,insurance planning,tax and heritage planning.With the intensification of population aging in China,the problem of providing for the aged,has become the focus of attention of society and family.In China,the replacement rate of basic pension is relatively low,and the development of enterprise annuity is just in its infancy.For the majority of the residents in the community,how to make up for the gap in pensions and achieve retirement goals has become particularly important.Most of the households need to realize their pension plans through personal finance.Domestic commercial banks are developing rapidly,providing more and more financial products in the financial market,and the allocation of assets of commercial banks is becoming more and more mature.The main contents of this paper are how to realize the retirement plan through the allocation of commercial bank assets.This is I have learned the knowledge of financial innovation and application,analyze the case by the commercial bank customers to conduct financial planning in strict accordance with the division of Financial Management Association standard,based on the assumption that the relevant data,calculate the pension gap,and the corresponding asset allocation scheme,with innovative and practical significance.