Research On The Optimization Of Family Asset Allocation Of S Company’s Target Customers

Since the reform and opening up,China’s economy has developed rapidly,and the total assets of households have accumulated greatly.How to maintain and increase the value of household assets has become a concern of people.This paper studies the optimization of S company’s target customer household asset allocation.By analyzing the status quo and influencing factors of S company’s future target customers’ household asset allocation,this paper puts forward optimization suggestions for target customers and S Company,and solves the problems of target customers’ household asset allocation optimization and S Company’s business development focus.This paper makes a detailed analysis of the current situation and influencing factors of the family asset allocation of target customers of S Wealth Management Company,and puts forward corresponding suggestions on optimizing the family asset allocation and the business development of S Company in view of the existing problems of the family asset allocation of target customers.Firstly,the current situation of household assets of target customers(Beijing residents)is investigated,and then the specific analysis of the survey data is made to summarize the existing problems in asset allocation of Beijing residents and discuss the factors influencing the formation of the current situation.In the process of analyzing the current situation and influencing factors of household asset allocation,in order to achieve better analysis results,the mediation effect model and binary variable Probit model are introduced for analysis.This paper summarizes the existing problems of household asset allocation in Beijing and puts forward some specific suggestions.Through the research,the following conclusions are drawn.First,there are several problems in the household asset allocation of Beijing residents: there are too few types of asset allocation,which are mainly allocated to real estate and bank deposits;The allocation structure is not reasonable.Over 70% of household assets are allocated to non-financial assets.The participation of risky financial assets is low,and the allocation of risky financial assets is less than 10% of the total assets,especially for the allocation of risky financial assets such as bonds and stocks.The proportion and participation of family insurance are low,insurance assets account for less than 4% of total family assets,and only 33% of families have family insurance.Second,household disposable income,educational level and financial literacy of household asset allocation decision-makers will promote household risky financial asset allocation.Factors such as the number of minor children in the family,the age and risk preference of the decision-maker of household asset allocation will inhibit the allocation of risky financial assets.The gender of decision makers has no significant relationship with the participation of risky financial assets in the household.Third,S Company needs to realize the characteristics of differentiation and specialization of family asset allocation and the status quo that there is still a lot of room for improvement in the level of risky family asset allocation,and optimize its business in three aspects: familiar with customer characteristics,grasping potential market and building first-class service team.