Mobile interconnection accelerates the infiltration of financial technology China will become the world's largest intelligent investment market

Mobile interconnection accelerates the infiltration of financial technology China will become the world's largest intelligent investment market
2016-12-02 22:57:39| Source: Large Public Network |

Large Public network December 2 (reporter Mao Lijuan) technology innovation, is subverting and changing our lives. Moving fingers, all the goods and services will automatically come to the doorstep. When the financial consumer found, as long as lying in bed, a few mobile phone can enjoy the benefits, who are willing to work tirelessly to check the report, stare at the plate face, see trend. Now, more and more investors are beginning to favor robot finance.
Fill in the new middle-class financial market blank
In order to deal with this new change, the traditional financial institutions in the form of acquisitions, cooperation or the construction of their own intelligent investment platform. One of the largest brokerages in the United States Jia Xin Finance launched its own smart investment tools-smart platform, the world's largest asset management company in the acquisition of smart investment start-up FutureAdvisor, Goldman Sachs acquisition online retirement account financial platform Honestdollar, Morgan and Goldman Sachs investment motif, Pioneer funds, Montreal Bank and TD Ameritrade are also active in the layout of smart investment.
Smart investment in the United States has sprung up everywhere, and China's smart investment is not behind the people. The first batch of domestic pioneers, represented by the Yi-Xin Wealth-meter Ra, released their own intelligent investment products, providing Chinese investors with an opportunity to taste the results of global asset allocation.
If the rise of intelligent investment in the United States is to the high above the artificial investment in the declaration of war, then in China, the birth of intelligent investment, is the wealth management industry for the new rise of the social stratum-the new middle class people's positive response.
Unlike the traditional "middle class" definition, the new middle classes are the generation of Internet infiltration. They like to explore novelty, and can skillfully use a variety of High-tech products to extend their ability. They are in life attitude, consumption concept and financial management way, advocating individuality, pay attention to quality and rational. They have a clear and strong preference for investment. According to the "Smart Investment Research Report on China's new middle class" published by the Fortune Bloomberg Business Weekly, it shows: 76% of the new middle class hope to be able to use automated consulting tools such as digital channels, access to investment recommendations, 73% of new middle class preference for robust investment products, 62% of new middle-class pursuit of personalized wealth management products; 61% The pursuit of cost-effective financial products.
At the same time, this group in the wealth management market faced with "100,000 dollar Dilemma", that is, for the new middle class, which has not yet entered the high net worth threshold, the investment is more than 100,000 U.S. dollars, because of its low economic value, the traditional wealth management services are unwilling to serve such investment groups. As a result, there is a mismatch between the demand for new middle-class investment and the services available to the current wealth management institutions, which need to be tailored to address them alone.
The unmanned driving of the financial sector
As a result, the financial sector of the unmanned driving in due course. As a revolutionary application of artificial intelligence, intelligent investment will be safe and sound, scientific personality into the intelligence. Just as the driver only needs to enter the destination of the simple operation, smart investment only requires investors to enter the financial situation and risk appetite, you can open a tailored automated financial model. As unmanned driving can automatically adjust the speed and route according to the road, to achieve the best path planning, intelligent investment can automatically adjust the proportion of portfolio assets according to the fluctuation of asset price to achieve optimal asset allocation. More crucial is that unmanned driving can overcome the human factors, reduce traffic accidents, intelligent investment is the same, can avoid investors because of market changes in mood fluctuations, interference with the effective operation of established strategies to ensure the safety of investment.
For new middle-class digital natives, they are accustomed to mobile finance, mobile office, more accustomed to the process of transparent and timely feedback of intelligent services. Intelligent Investment Portfolio is completely open to the user, and the investment transaction process, cost delivery and other information to the user in real time open, completely transparent. Because it is digital banking, users can register their own accounts at any time, assess the level of risk, establish investment plans, and at any time after the implementation of the investment strategy to know their account of the floating profit and loss level, or even adjust their own policy mix. Smart investment is a sleepless machine housekeeper, 7*24 hours of uninterrupted intelligent management of the customer's exclusive investment account.
In addition, some intelligent investment products in the global allocation of assets in various types of ETFs, if the letter of wealth to invest in rice RA, in the realization of asset classes dispersed at the same time, but also to maximize the pursuit of country-wide decentralization, asset allocation range, high degree of decentralization, strong ability to resist risk, to achieve a new middle-class investment in the global demand. The proposed algorithm can monitor the global capital market and risk events in real time, and automatically adjust the weights of the corresponding assets in the portfolio to reduce the risk exposure of the portfolio when encountering significant systemic risks.
In addition to the perfect fit for the new middle-class financial needs, smart investment in decentralization, transparency, low-cost, easy to operate and other advantages also successfully won the high net worth of customers, they are willing to take out a part of the assets to try digital financial management. According to the 2015 World Wealth Report, published jointly by Capgemini and RBC Wm, 48.6% of the world's high net worth people are very receptive to the ease of use and low rates of smart-investment products, and are willing to accept a portion of their wealth in the hands of smart investment, The high net worth people who hold this attitude accounted for 76.3% in the Asia-Pacific region (except Japan) and ranked first in the world.
Mobile interconnection accelerates the growth and infiltration of financial science and technology
Compared to the United States, China's investment market has a significant potential for improvement. A survey by Ka Shin, a "study of China's emerging affluent investors" (Study of emerging affluent investors in urban), shows that only 12% of Chinese investors use investment consultancy services, while the rest of the population Basically all rely on their own research or to seek advice from friends and family to invest in the way. In the report of Natixis Global Asset Management (Asset Management), the proportion of global investors using investment advisers is 64%, and the US is 67%.
Therefore, in China, the evolution of investment behavior is also different from the United States. Their investment path is to buy stocks from individuals, to put money in the hands of professionals and institutions, and finally to give the money to the machine for management. And we, on the one hand, because individual investors have long been not able to enjoy the services of artificial investment, on the other hand, because of the huge new middle class to new technologies, new models of acceptance and recognition, it is very likely that this situation, that is, investors skip the intermediate link, one-step to the machine to manage This difference from foreign investment mode switching, means that China's intelligent investment has a broad space for development.
To support this market, there is also the popularity of China Mobile interconnection. It is expected that by 2018, China Mobile internet users will reach 890 million people. Mobile interconnection accelerates the growth and infiltration of financial science and technology, as a part of financial technology, the popularization and application of intelligent investment products will greatly benefit from the improvement of network infrastructure.
　　The unparalleled new middle-class population, unprecedented mobile interconnection, and the long lost tradition of investing in the market will be a powerful engine for China to overtake the US in the same arena. In the future, China's smart investment is likely to overtake the United States and become the world's largest market.