HT Company Conducts Research On The Construction Of Education Systems For Small And Medium Investors

The development of education towards investors plays an important role in the healthy development of China’s capital market.Regulators,securities related industries have gradually realized the importance of investor education to promote the capital market,and increased the intensity towards investors education.Small and medium-sized investors accounted for 97%among all individual investors in China.This group of individual investors is a non-negligible power in China’s capital market.Social stability and development is closely related to how those people are properly guided and how those are guided towards rational investments.HT,as a domestic first-class brokerage company in the Central Plains region of China,summarized conclusions from its many years of experience in investor education that financial related knowledge and investment techniques could not truly benefit investors.Small and medium-sized investors often blindly follow the trend.Gambler psychology and excessive manipulation and other behavioral bias are the root causes that affect investor returns.A more professional,more diversified and more systematic education system for investors needs to be established in a timely fashion under such a complex and various financial environments.This paper combines literature,questionnaires and interviews to sort out investor behaviors and influencing factors of HT investors,and perfect the existing investor education system.Based on questionnaires,more than 90%of investors do not like independent decision-making;70%of investors believe that the stock market is somewhat similar to casinos,and it is evident that there is speculation in the bull market;80%of investors think 15 transactions every month is normal.In terms of various forms of investor education,groups under the age of 40 prefer lectures via mobile networks;groups over 40 years of age are more interested in third-party investor education courses;and 10%of investors are willing to participate in school classrooms.Through the comprehensive understanding of the development of domestic and foreign investors and the analysis of the current situation of small and medium-sized investors in HT,HT built investors education ideas in the new trading environment:rely on the Internet and mobile finance to achieve various forms of education;put clients demand in the center and provide the most appropriate risk management solutions according to individual client’s behaviors and characteristics,with a wide range of services and products that match the needs,to make investors better adapt to the market environment,timely adjust investment strategies to avoid controllable risks,and to improve their competencies to maneuver markets,to realize the balance in between educational responsibilities and interests.It is believed that the gradual improvement and perfection of contents and forms of investor education will benefit more small and medium investors and eventually facilitate the steady development of China’s capital market.