Research On Investment Strategy And Asset Allocation Of High Net Worth Customers

The proportion of high net worth customers is increasing in China,and there is still a lot of room for growth.According to the Global Wealth Migration Report 2019 issued by the New World Wealth Organization,the wealth scale of China’s high net worth customers has increased rapidly,from $10.25 trillion to $23.6 trillion from 2008 to 2018.By the end of 2019,the total to invest financial assets of domestic residents reached 147 trillion yuan,and the growth rate of personal wealth of domestic residents continued to rise,with personal to invest financial assets increasing by 8% compared with 2018.Looking forward to the next five years,although the world economic turbulence and the global spread of novel corona pneumonia have led to tremendous downward pressure on the economy,China’s economy has gradually stabilized,and the overall growth of domestic private wealth will continue,but the growth rate will continue to slow down in stages.It is expected that in the next five years,after overcoming short-term economic cycle fluctuations,the financial assets invested by individual customers will reach 243 trillion yuan in 2025,and the compound growth rate will recover to about 11% from 2019 to 2025.Internationally,high net worth customers are generally defined as those whose household disposable assets are more than 10 million yuan and who can continuously obtain higher income.At this stage,the asset allocation of high net worth customers has changed a lot compared with the past.The asset allocation varieties of domestic high net worth customers are gradually increasing,and different asset allocation schemes are generated according to the risk tolerance and investment expectations of investors.The economy of Ordos region has developed rapidly since 2006.The number of local high net worth customers has increased rapidly.,by the end of 2019 The total number of high net worth individuals in Ordos Branch of China Construction Bank is 420.At the Construction Bank of China,total system size Nearly 4.5 billion RMB Accounting for 15%of the total personal financial assets of Ordos Branch of China Construction Bank,Throughout 2019 The contribution rate of high net worth customers to the value of Ordos Construction Bank reached 23%.The high net worth group occupies an important position.So,how to improve Loyalty of high net worth people to CCB In addition to the value-added services of CCB,it is very important to do a good job of asset allocation for high net worth people and maximize their asset returns.However,the asset allocation of high net worth people in Ordos region is relatively single.,Ordos high net worth customer service personnel There is still a big shortage in the ability of asset allocation.The article from the impact of asset allocation factors,investors risk tolerance analysis.At the same time,consult the public information of major commercial banks.And related books on asset allocation for high net worth clients.To analyze the characteristics and differentiated needs of high net worth customers in Ordos region.For high net worth clients with different risk appetite Asset allocation that fits their risk tolerance.At the same time,by analyzing the private banking department of Ordos Branch,service and asset allocation process Put forward a proposal Reshaping the wealth management process Improve the service capability of the private banking team,strengthen linkage In terms of all-round demand To analyze the path to meet the needs of private banking customers.In order to improve the satisfaction of high net worth customers.To contribute to the development of CCB’s private banking business.