The Investment Strategies For Quasi Middle Class Customers Of Industrial And Commercial Bank Of China

With the rapid growth of social wealth, the investment of financial awareness of people continues to improve.People have idle funds, bank savings deposit, the payment for purchasing car or house, pension and so on,but do not know how to keep and increase value. The saying "If you do not finance, financial ignores you" has become the pet phrase for people.But most people think that the financial is only to invest. But In fact, the real meaning of the financial management is a systematic planning and implementation procession, and through the whole life, based on the life of the overall planning.With the people of "70’s","80’s" growing, they becoming the main force for society, and also the important individual customers for commercial bank.Their annual disposable income increased year by year, at the same time, medical, nursing, education, housing and other events have becoming hot topics. The quasi middle class of "70’s","80’s" must be facing personal/family financial management of rigid demand, quasi middle class customers become the bank’s main customers.The purpose of this paper is how to help quasi middle class customers to culture the awareness of financial wealth, make family planning, and to achieve their personal and family goals with bank financing. Based on the quasi middle class customers’ characteristics, first, through the questionnaire of the quasi middle class customers, survey and analysis their financial behavior. Second, combined with the quasi middle class customer demand, to carry on analysis with the current market financial products.finally summarize the investment strategies foe the quasi middle class customers of Industrial and Commercial Bank of China, and take an example to illustrate the analysis.