Research On Asset Allocation Of High Net Worth Customers Of Securities Companies Under The Background Of Financial Technology

The rapid development of Internet and big data technology has promoted the popularization and application of financial technology.The financial industry has entered the era of "Internet plus finance".Many financial companies have embraced information technology actively,and have developed many portal networks,business systems,mobile phone APP,etc.As an important application field of financial technology,securities companies can adopt high net worth customer management information system to customize asset allocation scheme for them,so as to improve the wealth management level of high net worth customers of securities companies.Firstly,the thesis describes the research background,defines the research object,analyzes the research status at home and abroad,and then introduces the development and asset allocation status of high net worth customers of securities companies,including the asset allocation proportion,risk preference and investment path of high net worth customers.Secondly,based on the in-depth interview method,the thesis conducted an interview with 100 high net worth customers to master the asset allocation needs of high net worth customers,so as to design the asset allocation type combined with the customer asset allocation objectives and risk preferences.Thirdly,the thesis analyzes the current situation and existing problems of asset allocation among high net worth customers of securities companies under the background of financial technology,and finds that many high net worth customers require investment to have the characteristics of high return and low risk,but the asset allocation strategies provided by securities companies for high net worth customers are highly similar and have high risks,so they can not meet the asset allocation needs of high net worth customers.The thesis analyzes the reasons for the above problems,and finds that the awareness of fintech empowerment is weak,the informatization level of asset allocation process is low,and the securities companies invest insufficient resources in fintech application,so they cannot use fintech to control asset risk.Therefore,this thesis designs five types of asset allocation strategies that combined with the asset allocation needs of high net worth customers,which are applicable to enterprising,steady enterprising,steady,steady conservative and conservative respectively,so as to meet the diversified needs of high net worth customers.At the same time,this thesis proposes that securities companies should strengthen the application level of financial technology,escort the implementation of high net worth asset allocation strategy,actively change their ideas in the direction of financial technology empowerment,strengthen the construction of digital wealth management platform,build a comprehensive and open financial technology ecosystem,increase the investment in financial technology,and actively cooperate with Oriental Wealth,flush Fortune trend and other technology companies cooperate to further improve the technology investment of securities companies,increase the proportion of scientific and technological personnel,and further use financial technology to improve the risk control level of asset allocation.