Research On Financial Asset Allocation Of High Net Worth Customers Of SJZ Branch Of ZX Bank

After the reform and opening up,the national income has grown rapidly,and the process of gathering residents’ personal wealth has accelerated.Western commercial banks have gradually focused on China,and the financial asset allocation business of high-net-worth customers has begun to flourish in China.The contradiction between the huge market demand and the lack of practical experience of domestic commercial banks has become an important issue before our eyes.How to meet the financial asset allocation needs of domestic high-networth groups,and how to catch up with Western commercial banks in a short period of time,the study of the financial asset allocation of high-net-worth customers of commercial banks is imminent.This paper uses ZX Bank’s SJZ sub-behavior research object to study the financial asset allocation of high-net-worth customers.First,the concept of commercial banks,high-net-worth customers and asset allocation is elaborated.Secondly,the development status of financial asset allocation of high-net-worth customers of ZX Bank SJZ Branch is analyzed,including the profile of high-networth customers,the products and services provided,and the financial asset allocation process.Then,starting from the problems faced by the financial asset allocation of high-net-worth customers of ZX Bank SJZ Branch,the existing problems are analyzed according to the actual situation of the current market and the bank’s own business restrictions.Finally,through the data analysis method,case analysis method and comparative analysis method,combined with theoretical research and actual research data,the optimization strategy for the financial asset allocation of high-net-worth customers of ZX Bank’s SJZ branch is proposed,and the specific detailed scheme that can be applied in practice is given.According to the study,the problems in the asset allocation management of high-net-worth customers of ZX Bank SJZ Branch are mainly manifested as: the division of high-net-worth customers is not scientific and detailed,the financial asset allocation plan has not been comprehensively evaluated,dynamic adjustment has not been made,it is not closely linked to employee assessment,and many needs of high-net-worth customers have not been met.According to the above analysis,this paper proposes a financial asset allocation optimization plan for high-net-worth customers of ZX Bank SJZ Branch,which mainly includes:optimizing functional allocation,segmenting the population,paying attention to current affairs and taking profit in time,dynamic adjustment of regular reinspection plan,and optimization of employee assessment plan.Finally,according to the actual survey data,optimize the classification of customer groups and give specific financial asset allocation plans.It is hoped that the research conclusions and allocation scheme of this paper can play a certain role in the allocation of financial assets of ZX Bank SJZ Branch and high-net-worth customers in the same industry.