YH Securities Intelligent AIP Mutual Fund System Project Business Proposal

China's private wealth grew rapidly as a result of higher GDP growth,demographic dividends,rapid growth in capital markets and other factors.According to the Boston Consulting Group,China's wealth management market will maintain an annual growth rate of more than 15%from 2015 to 2020.It is expected that by 2020,the total investment of Chinese residents will exceed 200 trillion.The rise of wealthy class in China drives the development of wealth management industry.High net worth customer wealth management market development potential is huge and rapid.The banking industry in the market occupies an absolute dominant position,trust companies,third-party wealth management companies,etc.also received a certain market share by virtue of the unique products and services.Securities company wealth management business is still in the exploratory stage.YH Securities as a traditional veteran broker,the number of customers,managed assets and brokerage business income in the forefront of the industry,oBut it depends on the brokerage business due to intense competition led to the decline in profits,profit model need to change from the simple channel model to the wealth Management one.As the wealth management market is huge,and people's demand for wealth management is growing year by year,so YH Securities companies are prepared to investment to expand the wealth management market.At the same time,along with the development of Internet technology,artificial intelligence has gradually become an important area that Internet finance and traditional financial enterprises are making great investment.Intelligent investment as a new type of investment management service model on the stage of history.In essence,intelligent investment is still from investment advisory service model,but the type of investment advisory services standardization,intelligence,strategy,and also have an Asset management characteristics.It is understood that in the United States,in addition to independent companies Wealthfront,Betterment,etc.Large brokers such as Schwab,as well as well-known financial institutions such as Goldman Sachs,Merrill Lynch,UBS etc.have entered the industry.In the past year,many innovative financial innovation companies have received a lot of venture capital,many of which are in the billion level of financing.Faced with this business trend,I recommended YH Securities Company to introduce intelligent AIP mutual funds system to expand wealth management market business,the business plan to study the main contents are as follows:First,the analysis of the wealth management market and internal and external environment analysis,to determine the possibility of the project;second use of marketing management strategy,the market segmentation,target market selection and positioning;the project organization and profit model analysis;Through the financial analysis,the project sales forecast,cash flow analysis,capital budget,financial feasibility analysis,forecast and evaluation of the project investment income situation;Finally,the project may face the risk analysis and the development of specific control Strategy.In this paper,we have to explore a few questions?First,does China's robot-advisor wealth management market have a good opportunities and profit prospects?Second,for YH Securities,what condition does it need with the successful development of robot-advisor projects?Are the current conditions of YH Securities for the successful development of robot-advisor projects sufficient?Thirdly,how does the investment return and investment of the YH Securities robot-advisor projects be measured?Fourth,what are the risks of this investment?After the study,we concluded as follows:First,robot-advisor wealth management market has a huge market potential and profit prospects:expected in 2020,the asset management scale of robot-advisor will be about 5.22 trillion RMB;second,for YH Securities,the conditions of successful development of robot-advisor are very full:1,YH securities with a huge number of users and managed assets;the rise of the middle class:the number of YH securities customers is 815.36 million,the managed assets is about 2.68 trillion yuan,with the penetration rate of 3%by the end of 2010,the target market of YH securities is close to 80.4 billion,the size of the future middle class continues to expand,the scale of assets will be close to 100 trillion by the end of 2020;2,the industry's leading mutual fund evaluation agency,with 16 years of mutual fund research experience;3,Thirdly,after the calculation,the total investment amount of the project is about 29.1 million yuan,the internal rate of return data is about 75%to 16.77%as the reference value of the discount rate,the final total income of the project is about 11.28 million yuan,with high investment value;Fourth,for YH securities companies,the project may exist risks include policy,market and technical risks.