There are many online channel applications, a strong sense of asset allocation, and professional services are respected——

Young people gradually become the "main force" in financial management

　　On September 5th, in the 2020 China International Trade Fair Financial Services Exhibition Area, visitors experienced the financial services provided by the bank's intelligent robots.

Photo by Xinhua News Agency reporter Lu Peng

　　In recent years, with the increase in the wealth of Chinese residents and the popularization of financial knowledge, more and more people have begun to take the initiative in financial management.

Whether it is traditional bank wealth management, brokerage wealth management products, or online wealth management platforms represented by Alipay and Licaitong, or direct independent investment, wealth management channels and types are more abundant and diverse, and choices are increasing.

　　What are the current changes in financial management entities and financial channels?

What are the differences in financial preferences of different groups?

The financial management crowd is getting younger

　　Youdi is a graduate student at Fudan University.

Regardless of his age, he is already an "veteran" with five years of financial management experience.

When he graduated from high school, Yudi received tens of thousands of dollars from relatives in his family, and he wondered how to preserve and increase the value of the money.

So he began to learn the corresponding financial management knowledge on the Internet.

　　In his junior year, Udy took a fancy to a stock fund on Lufax.

"Compared with fixed-income products, I think stock funds have higher returns and more flexible deposits and withdrawals. So I tried to invest." Youdi said that he uses smart fixed investment and uses big data to analyze the historical performance of the fund. , And then decide how much money to invest in the current period.

The average weekly fixed investment of about 1,000 yuan of funds can also make good returns in one year.

In Yudi's view, although he has not yet entered the society, he cultivates financial management skills in advance and invests temporarily unused money, which can not only prevent himself from spending money, but also lay the foundation for future life.

　　Deng Wei, a young man who lives in Yancheng, Jiangsu, is 28 years old. He is interested in financial management but he is more cautious when he works in a bank.

Deng Wei told the author that apart from allocating a small portion of his money to equity funds focusing on industries such as medicine and food, the remaining 90% of his money is placed in some bank fixed deposit products on Alipay.

　　"I just got married, can't I take all my money to risk it! Under the same terms, Alipay's fixed deposit interest rate on the bank is higher than that of the offline bank, and generally has a yield of about 4%, and the risk is relatively low. "Deng Wei said.

　　On August 10, the "2020 Chinese Financial Trends Report" released by the Shanghai Gaojin Institute of Finance and Alipay showed that the Chinese are bidding farewell to the single-saving mindset. Nearly 40% of online financial management users already have short-term expenses, insurance protection and The habit of investing in value-added money to allocate "three sums of money".

From the relevant data provided by Alipay, nearly 60% of users under 35 years old.

The report found that "post-90s" are more willing to put eggs in different baskets than their parents; at the same time, more than half of the newly emerging robo-advisor users are "post-90s" and their holdings are generally higher.

　　The increasingly younger financial management population also presents distinctive characteristics in terms of geographic and gender.

Li Feng, co-president of Shanghai Gaojin Financial Research Institute, introduced that if Alipay’s wealth management points are averaged according to the user’s geographic information, users’ financial concepts in Shanghai, Beijing, Jiangsu, Tianjin, Zhejiang, Hubei, Sichuan, Guangdong, Shandong, Chongqing and other places Generally strong, showing the characteristics of both consumption and financial management.

In terms of gender, the average "financial management score" of women is 25 points higher than that of men, which means that women pay more attention to financial management than men.

Increased attractiveness of Internet channels

　　While the wealth management client population is getting younger and younger, it is also accompanied by changes in financial management methods and methods.

　　Not long ago, the "China Internet Financial Management Market: Behavior, Risks and Countermeasures-Internet Financial Index Report (2019)" jointly released by Tencent Licaitong and the National Finance and Development Laboratory Research Group provided a detailed description of the latest characteristics of residents’ financial management .

　　Researchers found through questionnaire surveys that 69.73% of people had investment experience in Internet wealth management products such as Lingqiantong and Yu'ebao, and 30.27% of investors had no investment experience in Internet wealth management products.

Therefore, overall, the current market has a high degree of recognition of Internet wealth management products, and there is still room for development in the Internet wealth management product market.

　　This report by Tencent Licaitong also shows that 60% of investors believe that investing in Internet wealth management products is mainly for wealth appreciation, 52.2% of investors believe that they are mainly for wealth preservation, 36.59% of investors are mainly for liquidity management, and 29.27%. Of investors think Internet financial management is convenient, simple and fast.

In terms of gender differences, men pay more attention to the preservation and appreciation of wealth than women; in terms of capital scale, the investment scale is more evenly distributed, most of which are below 30,000 yuan; in terms of channel preference, more than 50% of people will " "Investment threshold meets investment needs", "Product income meets investment needs", and "Brand worthy of trust" are listed as the main reasons for choosing Internet wealth management platforms.

　　As "post-80s" and "post-90s" have become financial management entities, Internet financial management has gained more recognition.

In the eyes of young people, Internet financial management is extremely convenient. You can recommend different investment strategies based on personal risk ratings by downloading relevant APPs on your mobile phones. Investment consultants will help you choose fund investments and make adjustments based on market conditions.

"I only need to put the money in, and leave the rest to the professionals. I can also check the income and perform operations at any time." said a young customer.

　　In contrast, older people prefer traditional offline financial management channels.

"You can see and touch in the bank, and you can find someone if you have a problem. The online financial manager feels uneasy!" Ms. Bian, who works as a room service in a hotel in Yangzhou, said that she and her daughter learned to use mobile phones. APP financial management, but at present, Ms. Bian has only used 20,000 to 30,000 yuan for financial management through Internet channels, and the rest of the "big heads" are still in the bank.

　　On September 4, the "Internet Financial Management and Consumption Upgrade Research Report" issued by the School of Finance and Finance of Renmin University of China and the Ant Group Research Institute showed that Internet financial platforms have cultivated the financial habits of the sinking population.

Among them, the number of "small town youths" in third-tier and lower cities and rural areas increased by 14.13% annually, higher than the negative growth of 3.34% for urban youth.

It is estimated that by 2022, the investable financial assets of the sinking population is expected to reach 101.7 trillion yuan, and the market size of Internet financial management among the sinking population is expected to reach 4.7 trillion yuan.

　　"Compared with traditional financial management services, Internet online financial management lowers the threshold, allowing people from different regions and backgrounds to enjoy financial services on an equal basis, and truly achieving financial inclusion." Executive Director of the Institute of Financial Technology, Renmin University of China Song Ke said.

Rational style is taking shape

　　It is worth noting that with the quiet changes in financial management groups and financial channels, people's financial management thinking has gradually moved closer to a long-term, stable and rational style.

　　Wu Haoxuan, who works for an airline in Chongqing, told the author that he has little knowledge of financial management, and he is more inclined to pursue a predictable and stable income than to participate in capital market investment.

"To be honest, there are many wealth management products on the Internet, and I don’t know which one to buy. If I only buy according to the platform’s push and recommendations from some securities companies, I’m not at ease. I often pay attention to the income. I will withdraw as soon as I see a loss. . Over time, I think it’s easier to put the money in Yu'e Bao," said Wu Haoxuan.

　　From the relevant data, we can also see the residents' financial preference.

According to Wang Jun, general manager of the wealth business group of Ant Group, nearly 40% of the basic people on Alipay have held positions for more than one year, but 30% of the basic people will clear their positions in less than a month after buying.

The income gap between groups of different styles is large: only half of those who hold positions for less than a month can make money, but nearly ninety people who hold positions for one year can make money.

The average rate of return obtained by a fixed investment of a fund is 4 times that of an unfixed investment.

　　"Many people are caught up in chasing ups and downs. On the one hand, they don’t have the corresponding awareness, but the bigger problem is that they don’t know what to buy, how to buy, and whether to buy it right. This year, we will work with industry experts to build an Alipay financial management think tank for Consumers provide more full-process companionship and all-round communication, and launch the Alipay Golden Selection brand.” Wang Jun said that the Alipay Golden Selection area has launched robust products. This time, equity funds will be upgraded to gather high-quality products from top institutions. , So that people can worry about geography and wealth.

　　Li Yimei, general manager of China Asset Management, said that in the past, residents’ financial choices were still relatively single.

"However, now more and more people have begun to have the concept of'scientific asset allocation', and the new era of national financial management has arrived." In Li Yimei's view, young people who have grown up with the Internet will have more financial awareness than the previous generation. , Will also trust professional financial management more.