High net worth customers refer to the wealthy class. HNW (also known as HNW) customers, that is, not only pays attention to the customer's transaction scale, but also pays attention to the profits they bring to the company. Assets and maintained a high return. The net worth customers is a potential customer group of private banks. It has a lot of differences with general retail customers in terms of financial services.
High net worth customers are the potential customer base of private banks. Popularly called high net worth customer base is the rich class. High -net -worth customers are the potential customer base of private banks, and they show great differences with general retail customers in terms of financial services. With the accumulation of wealth, this part of the group shows greater differences with general retail customers in terms of value preservation, value -added, and financial service needs. At the same time, the age structure and the position of the wealth inheritance are different. Investment risk preferences have a greater impact. The development characteristics of high net worth customer base: . The total amount is huge and the scale is considerable. The rise of China's wealthy class is undoubtedly the fertile soil of private banking business. As of the end of 2012, among the 31 provinces, municipalities, and autonomous regions across the country in addition to Hong Kong, Macao and Taiwan, the number of richest people (including hundreds of millions of wealthy people) has reached 1.05 million; There are 3 million households. Throughout the Asia -Pacific region, the proportion of the rich people in China is second only to Japan, ranking second. As of the end of 2007, China had more than 410,000 rich people with more than $ 1 million in net assets. . The changes in the population structure, intergenerational alternation caused the trend of wealth inheritance. The wealthy people in mainland China are more than 55 years old. It is expected that more wealthy people will enter the retirement age in the next 5 years. The inheritance of property has become its primary concern. In mainland China, the outstanding characteristics of wealthy people are that wealth has accumulated in the short term, so the inheritance of property is even more difficult. The biggest challenge faced by wealthy people may be that determining whether the beneficiary is capable of managing wealth and properly preserving heritage. . The asset allocation preferences are not real estate, and risk appetite tends to be aggressive. The research shows that when the market is changing or in the development of the market, investors prefer tangible investment such as real estate. According to statistics, China's real estate transaction volume in 2007 was 80 billion yuan, which was compared with 2007 Increased by 12%. According to the "2007 Asia -Pacific Wealth Report", the asset allocation portfolio of wealthy people in mainland China is: 34%invested in stocks, 14%invest in fixed income, 14%invest in cash/deposit, 29%invested in the real estate, 9%performed 9%. Alternative Investments. The above reference: Baidu Encyclopedia-high net worth customers
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