Research On Wealth Management Of Urban Residents Applying Internet Finance

Urban residents are the main participants in China's wealth management industry.Due to the high level of urban economic development,residents' income and investable assets are increasing year by year.With the continuous improvement of urban residents' wealth management awareness,nowadays,urban residents have gradually become China's wealth.Manage the main players in the industry's funds.As a product of the deep integration of the Internet and the financial industry,the rapid development of Internet finance has changed the traditional way of urban residents' wealth management and provided new investment ideas.The inclusiveness of Internet finance and the sharing of information have broken the limits of time and space,expanded the scope of wealth management,enriched the service targets of wealth management,and partly compensated for the lack of traditional wealth management market positioning.The wealth management of residents has played a catalytic role.Nowadays,traditional financial institutions and third-party wealth management companies have joined the ranks of Internet finance,hoping to use Internet technology to provide users with more convenient and efficient wealth management services.The development of Internet finance is mainly concentrated in cities.Many Internet financial products and services provide more choices for the wealth management of urban residents.In order to enable residents to use Internet finance more effectively for wealth management,and to understand the risks of Internet financial investment.With the question,this article will study the investment of Internet finance by urban residents from the perspective of investors.In order to study the use of Internet finance for wealth management by urban residents,this paper firstly sorts out relevant literatures on Internet finance,wealth management and Internet wealth management applications at home and abroad to understand the research progress of Internet finance and resident wealth management.And research on the related theories of Internet finance and wealth management.Then based on several typical models of internet finance,such as internet finance and crowdfunding,this paper analyzes and compares the status quo of urban residents' Internet finance application and the development status of wealth management,and discusses the specific choices of urban residents using Internet finance for wealth management.And preference,then a case study of the typical Internet financial model of P2 P,explore the investment behavior and main risks of urban residents using Internet finance for wealth management,and combined with the empirical research results of predecessors,the factors affecting residents' choice.Internet finance Analyze and explore the problems faced by urban residents in the application of Internet finance,and finally give corresponding suggestions from the perspective of the government,enterprises and investors.