Chief Economist Lian Ping of Zhixin Investment: In the next 10 years, the country will add 3 million trillion wealth management needs nationwide

On August 3, Zhixin Investment Research Institute released the "China Wealth Management Industry Development Report (2021 ~ 2022)". Lian Ping, the chief economist and dean of Zhixin Investment, explained that in the interpretation of the report, we pointed out that we were wealthy to give birth to long -term demand for wealth management, and financial reform and opening up enhanced wealth management supply capabilities.

In June 2021, Xinhua News Agency issued the "Opinions of the Central Committee of the Communist Party of China and the State Council of the Central Committee of the Communist Party of China on supporting Zhejiang's High -quality Development and Construction Combined Wealth Demonstration Zone". The continuous expansion of middle -income groups will drive the rapid growth of wealth management. In this regard, Lian Ping believes that if it takes Zhejiang's common prosperity standards, it will increase at least 3 million yuan in wealth management needs in the next 10 years.

Lian Ping believes that the development of my country's wealth management industry in 2022 will show a trend of "first suppression and then Yang", and the allocation of equity assets and family trusts are expected to become the highlight of the industry in the second half of the year.

Common and wealthy to promote the development of the financial management market

According to the calculation of Zhixin Research Institute, at the end of 2021, the average family wealth scale of each household in my country was about 1.13 million yuan; the average family flow assets (excluding real estate) of each households were about 510,000 yuan; the average family of each household passed the wealth management agency was managed. The scale is about 270,000 yuan. The rapid growth of residential wealth management needs has become a strong driving force for the sustainable development of my country's wealth management industry.

Lian Ping said that in accordance with the requirements of common wealth, in the future, it will constitute an olive society and promote the development of the middle class as much as possible. This will have a positive role in promoting the long -term development of China's wealth management market; Policies have also been promoted for long -term demand for wealth management. Lian Ping said, "As the future real estate market gradually stabilizes, many residential assets in real estate will gradually transform into financial assets and other investable assets. These will have long -term demand for the wealth management industry."

Not only that, the deepening of the capital market reform and the opening of the financial opening have continuously improved the supply capacity of my country's wealth management market. Improve the multi -level capital market system will provide investors with more diversified investment options, so that it can more conveniently share the dividend of China's economic growth.

According to the data published by the Zhixin Research Institute, from the development of the wealth management industry in the past two years, the number of institutions has increased steadily on the one hand. As of the end of 2021, the total number of licensed/filing agencies of wealth management related services provides about 25,600; On the other hand, the asset scale of the entire industry has expanded rapidly. As of the end of 2021, according to bank wealth management, trust, securities asset management, public funds, private equity funds, insurance and third -party wealth management full -caliber calculations, my country's wealth management industry institutions The total size of asset management reached 1.316 trillion yuan. In addition, the number of investors in various sub -industries of wealth management institutions has increased to varying degrees.

On this basis, Lian Ping summarized the development of my country's wealth management industry in 2021 to present eight highlights: first, the industry has increased its efforts to support the development of key industries; second, through deepening reform and construction of a diversified financial format; third, the development of the fund industry to accelerate wealth management of wealth management Inclusion; Fourth, long -term investment is accepted by more investors; fifth is the degree of service personalization increased in innovation; sixth is the continuous growth of brand marketing innovation to promote management scale; seventh It is a net worth transformation to promote the reduction of the risk of the industry.

Equity assets are configuration hotspots

Talking about the outlook of the wealth management industry, Lian Ping said that the industry will continue to actively help the common wealth goals to land. Various wealth management institutions will spontaneously carry out multi -field and multi -model innovation in terms of product, service, capital investment and admission thresholds. practice. Drive and actively promoted by regulatory specifications, various types of pension financial products in 2022 are expected to usher in flourishing.

The equity assets represented by stocks will still become a hot spot for investors' asset allocation. The trend of the valuation of equity assets may drive the popularity of equity financial products in the second half of 2022. Cross -border products and services will also become increasingly enriched. In 2022, the two -way openness and integration of the financial markets in the Mainland and Hong Kong will further enrich and improve wealth management products and service systems.

With the continuous decline in the market and the comprehensive net worth of wealth management products, in 2022, wealth management institutions will pay more attention to the protection of investor rights and investor education. Overseas economic and financial risks have frequently emerged, and the global capital market fluctuations have intensified. Wealth management agencies will respond to various risk challenges by strengthening internal management.

Wealth management agencies have increased investment and research capacity building as an important weapon to cope with uncertainty. Lian Ping said that in terms of marketing and services, the combination of "online+offline" marketing and services will be more popular and better meet the needs of customers in the professionalization, comprehensive, scenario, and convenient needs of customers. The separation of asset management and investment consultants is also expected to be promoted.

In addition, Lianping believes that the construction of the regional wealth management center will attract more institutions and talents to gather, and gradually form three high -energy, strong radiation wealth management highlands, Qingdao, Chengdu -Chongqing, etc. from the three major high -energy and radiation of Beijing, Shanghai, Guangdong, Hong Kong, and Macao Greater Bay Area. The multi -pole development pattern of China's wealth management market composed of regional or characteristic wealth management centers.

Daily Economic News

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