Study On The Asset Allocation Of High Net Worth Clients In China Under The New Normal Economic Situation

30 years of reform and opening up,China’s economy has been rapid development,the accumulation of social wealth also showed growth spurt,forming a huge wealth market,the large number of high level of wealth quantity is called the high net worth population presents rapid growth.In recent years,the growth rate of two digit GDP disappeared,China rapid economic growth in the period,entered a rapid growth in the new normal period,economic growth by the rapid growth of the past,to a high-speed growth;the industrial structure transformation from low-end manufacturing to high-end and construction industry the service industry;the mode of economic development by the scale and speed of extensive growth to intensive growth over quality,and growth momentum gradually from factor driven to innovation driven;resource allocation by the government regulation into market economy follow the general rule,the market rose to a "decisive role".These changes have a great impact on the personal financial business of our country,especially in the asset allocation of high asset value.In the new normal economy,high net worth clients asset allocation is intellectual,diversification and specialization,diversification of target.A deep understanding of critical high net worth clients asset allocation tendency,subjective intention and historical expected return of high net worth clients were combined on the basis of the corresponding asset allocation scheme for high net worth clients for scientific targeted subdivision suggestions,so as to realize the new normal economy under the wealth of high net worth clients asset preservation and appreciation the target.From the two aspects of the new normal change to change its structure and the high net worth population of high net worth individuals can invest in production projects,high net worth clients how to do the asset allocation in the new normal,have a strong sense of the times,as the economic situation should be China key research to explore the contents of.This paper stands in the perspective of high net worth population,taking into account the special nature of the current economic situation in the new normal,the high net worth population to make a full range of asset allocation recommendations guidance.This paper from the two aspects: the theory and practice of the new normal economy with high net worth clients market research,market research and interpretation of the corresponding data,combined with the Black-Litterman model of customer confidence analysis,the high net worth clients for specialization in the new normal economy,the asset allocation strategy of the new normal economy high net worth clients,for high net worth clients asset allocation model and provides a new idea,the asset allocation is more targeted and operability,for the subsequent financial institutions in the high net worth clients asset allocation,wealth management provides innovative and effective inspiration.