With the gradual accumulation of social wealth and the release of customer demand, the private wealth management industry has developed rapidly
In recent years, China’s economy has developed well, people’s living standards have improved steadily, the scale of residents’ wealth and per capita disposable income have increased, with the increase of asset scale The demand for asset appreciation and preservation has increased The scale of capital entering wealth management will maintain growth. At the same time, with the regulatory norms and the improvement of personal financial knowledge reserves, residents’ wealth is more willing to enter the private wealth management industry, which promotes the rapid development of the industry
The number of high net worth people and the scale of assets will increase, the per capita disposable income will increase, and the scale of private wealth management industry will continue to increase
Compare the total customer group managed by caigu Although the number of high net worth customers accounts for about 0.3%, it has an asset scale as high as 41.7%. The scale of high net worth population increased from 710000 in 2012 to 2620000 in 2020, with a huge increase; The scale of investable assets of high net worth people increased from 22 trillion yuan in 2012 to 85 trillion yuan in 2020; In 2020, the per capita wealth of high net worth people will reach about 32.09 million yuan. With the growth of investable assets of high net worth people, the asset management scale of private wealth management industry will be greatly improved, and it is expected to continue to grow in the future
With the continuous development of the private wealth management industry, the industry will develop in the direction of institutional specialization, diversified asset allocation and extensive application of science and technology
With the comprehensive influence of demand side and supply side, the private wealth management industry will undergo multi-directional transformation. Institutional specialization transformation The knowledge reserve and investment concept of managers, and the service processes and methods of the industry need to be improved and improved. Diversified transformation of asset allocation Enrich the types of underlying assets, investment logic and portfolio matching methods, and provide diversified personalized products that can disperse risks and high investment returns. The transformation of wealth management into science and technology, fintech, big data, artificial intelligence, intelligent interaction and other technologies improve the professional service ability of financial management institutions and expand the scope of serving customers. Multi directional transformation promotes the sound and rapid development of the industry.
