The purpose of this report is to continue to pay attention to the investment and financial behavior and characteristics of Chinese residents, and to provide feedback on the financial health of residents. The report evaluates the financial health status of residents from the aspects of financial goals and planning, pension planning, risk management awareness, and liability management ability, and depicts the characteristics of residents' investment and financial management behavior from the aspects of residents' allocation behavior, product selection behavior, and long-term investment behavior.
1. In terms of financial health, the specific findings are as follows: residents' enthusiasm for financial planning and setting financial goals has declined, and the number of people who have taken financial planning measures has declined.
2. Pension has become the main purpose of residents' long-term financial planning, but personal pension still needs to be popularized.
3. Residents still have a strong sense of risk management, the penetration rate of household reserve funds has decreased slightly, and the proportion of insurance allocation has increased steadily.
4. There are still problems in the debt management of some residents, compared with the long-term investment behavior of residents in the previous year, the long-term investment behavior of some residents is polarized, and the debt burden is gradually polarized. increase, the proportion of health debt coverage decreases.
In terms of investment and financial management behavior, the specific findings are as follows:
1. The expected income of residents is gradually decreasing, and the gap between the expected income and the actual income is gradually narrowing.
2. The allocation preference of residents' wealth management products is more concentrated and conservative. The allocation of public offerings continued to decrease, of which the allocation of equity classes decreased and the fixed income category increased, reflecting the characteristics of risk aversion.
3. The proportion of residents' overall insurance product allocation has increased steadily, and compared with traditional life insurance and property insurance, the proportion of annuity insurance has increased.
4. Residents' choice of wealth management products has returned to rationality, they are more sensitive to costs, and their attention to celebrity managers and company brands tends to weaken.
5. The use of investment advisors has increased, but there is still a deviation in the value perception of investment advisors, and more attention is paid to the product value of investment advisors rather than the value of services.
6. The long-term investment behavior of residents is polarized, and some residents gradually establish long-term investment awareness, and their tolerance for product loss time increases.
*: Shanghai Jiaotong University & Ant Group.
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