Keywords: GDP；; Wealth management; Current situation; Trend;
1. Analysis of the present situation of wealth management
According to the data of 20xx, the data of China Wealth Report jointly released by China Merchants Bank and Bain Company show that in 20 10, the total personal holdings of China were 6 trillion RMB, which was about 19% higher than that in 2009. Facing the expanding capital market in China, various new investments and diversified investment channels are constantly emerging. These are the main contents of wealth management and deserve our attention.
1. 1 The content and form of financial management are simple.
With the increasing personal wealth in China, wealth management has made some progress, but compared with some developed capitalist markets abroad, the content of wealth management and the form of wealth managers in China are still not very mature, which need to be further improved and perfected to promote its diversified development and progress in form and content.
In foreign countries, with the emergence of more and more rich people and wealth companies, large-scale and increasingly fierce competition among wealth management companies has been brought or triggered, and many industries have begun to move from decentralization to integration. This change is the necessity of development. However, in the face of fierce and cruel competition, many foreign wealth management companies have provided customers with various or varied wealth management products and services. For example, private equity and fund investment, wealth transfer, charitable fundraising, and family member education. Therefore, it can be said that the form of wealth management in China can't be limited to single investment and deposit and withdrawal, but should also be diversified to seek better development. For example, the investment model of art collection, various fund management and so on.
1.2 The development speed of wealth management in China is relatively slow.
Compared with the developed capitalist countries such as Europe and America, China's wealth management is still in the primary stage, and its development is relatively slow. Of course, in terms of wealth management, the wealth management departments of private banks of Chinese banks have developed relatively rapidly. They mainly provide consulting services and asset allocation, and the specific operation is decided by the customers themselves. However, the concept of financial management formed by Chinese people for a long time has brought some negative effects to China's difficulty in making substantial progress in wealth management. However, compared with the speed of economic development in China, the development of wealth management in a small scale is still slow.
1.3 Financial Risk in China
Generally speaking, the most worrying issue in financial management is risk. At home, the news media often report some heavy losses caused by blind investment. With the increasingly open and continuous development of the financial field, the phenomenon that one thing affects the whole body also makes people have higher requirements and norms for the safety and sustainability of wealth management. Therefore, this requires the domestic wealth management team to have high professional quality and skills, and can tailor a suitable plan according to the needs of customers, with minimum effort and maximum income, in other words, with minimum investment in exchange for maximum income. However, people must know that investment is always accompanied by certain risks, so it requires people to maintain a good attitude and optimistic attitude when managing and investing wealth, so as to avoid irreparable losses and consequences.
2. Analysis of the future development trend of China's wealth management.
As we all know, creating wealth is a hard process, which requires great costs and certain risks. In many developed capitalist countries, rich people have great confidence in wealth management. These people may get some wealth gains in a short time, but their main source of income is not financial management, but a rare opportunity. Therefore, with the passage of time, mistakes often occur. Therefore, the author believes that wealth management should be given to professionals, who work on the basis of wealth management, which will be more professional, more secure and more scientific. The future development trend of China's wealth management can be roughly divided into the following three aspects:
2. 1 wealth management institutions develop professionally.
As mentioned above, wealth management should be left to professionals in the future. In other words, this means that China's wealth management institutions also need to become more and more professional, and constantly improve and perfect. In the long run, professionals are much more sensitive to wealth appreciation than ordinary people because they have been dealing with the market for a long time. At the same time, professionals are proficient in various financial instruments and various forms of wealth investment, so they can accurately grasp the small changes in the market and take certain preventive measures against the small changes in the market. In addition, it can also reduce the corresponding investment risks in the investment process. These are much more reliable and professional than an ordinary person's aimless follow-up or one-sided understanding. Then, with the continuous expansion of China's wealth management scale, a number of excellent financial institutions will inevitably appear in the market, which is an inevitable development trend.
2.2 The allocation of wealth assets is constantly internationalized.
Science and technology can promote the progress of the world, and the internet has turned the world into a global village, and at the same time, it has narrowed the distance between countries and formed a unified global market. Countries influence, promote and communicate with each other. For example, the debts of euro member countries indirectly or directly affect the stock market transactions in other countries. However, some economic media often report that some influential enterprises have gone abroad, which makes China people have different understanding of the foreign exchange control implemented by China. A single market is far from satisfying people's demand for asset allocation, and people must seek a bigger market to satisfy their desire for wealth management. Therefore, the internationalization of asset allocation is bound to be one of the major trends.
2.3 customization of financial services
In the face of wealth management, different people must have different preferences. Some people like funds, some people like stocks, and some people like collecting. These different management needs need different ways of financial products to deal with. Customizing the future wealth management of a single customer is bound to become one of the important contents of the future wealth management market, which deserves attention. In foreign countries, the specialized medical services provided by private banks for people with certain assets, the unique customization of life and rest, and the customization of some cultural literacy have been eagerly loved by people. With the continuous growth of Chinese people's consumption level, the gradual change of people's consumption concept and the promotion of consumption desire, people need to turn cold money into actual enjoyment of life on the basis of Qian Shengqian. This brings new and unprecedented challenges to wealth management. This means that some customized needs in financial services have extended to all aspects of life, such as inheritance distribution and family trust.
In addition, the future development trend of wealth management will be closer to the children's education fund. According to a survey conducted by the People's Bank of China, in a sample survey of more than 50 cities across the country, all depositors put their children's education funds in the first place, and this figure accounts for more than 20% on average. Generally speaking, the investment in children's education should span at least 20 years. Many parents think that planning their children's life in advance can help them win at the starting line. In a special survey conducted by the National Bureau of Statistics on June 5438+065438+ 10, 2009, it is not difficult to find that even in a family, the average monthly consumption of children accounts for at least 20% of the whole family income. Then, at present, many banks have specially launched the allocation of family idle assets and various products for children, which can not only meet the expenses of children studying abroad, but also meet the related medical insurance needs.
3. Summary
Generally speaking, no matter what occupation you are engaged in, no matter how much or how little your wealth is, wealth management is still a problem that everyone must face and think about, which is closely related to our lives. It is not something far away from our lives, nor is it a privilege that only the rich can enjoy. Financial management is not only a habit, but also an idea. People can freely choose the way and form of financial management according to their age and hobbies. In this fierce market environment, having a good wealth concept and habit is very important for individuals, relatives and friends, and even for social development. The purpose is to hope that when the era of wealth management comes, everyone can manage their wealth well and form a good concept of financial management.