The asset allocation and risk management awareness of the mass wealth population is expected to be improved after the epidemic, and the demand for insurance and other related risk protection and risk management products will increase. Volkswagen wealth customers will pay more attention to the balance of risk, income and liquidity in wealth planning, and the demand for high-liquidity products such as cash management will increase. At the same time, the demand of public wealth customers for health insurance, medical insurance, critical illness insurance and other related risk protection and risk management products will further increase. By purchasing insurance products, we can avoid the impact of sudden risks on personal finance and ensure the quality of life.
Affected by the epidemic, the demand for online investment and financial management continues to grow. The sinking of family risk appetite may be a medium-and long-term behavior, and the development of online financial business should be encouraged to be unaffected by the epidemic. 202 1 The wealth of some families has shrunk, the demand for financial management has also changed, and the asset allocation tends to be balanced. First of all, the overall risk preference of families is sinking, and they are still more inclined to invest in low-risk assets. Secondly, compared with stocks, families' willingness to invest in funds is significantly higher. Thirdly, the survey found that families' willingness to invest online is increasing, and the participation rate of Internet financial management has increased from 5.4% in 202 1 to1.3% in 202 1. From the age point of view, the Internet participation rate of young families is higher. From the perspective of cities, families living in various cities have increased their willingness to invest in the Internet. Therefore, online investment further benefits the elderly and non-first-and second-tier urban groups. In order to meet the growing financial awareness and online financial needs of domestic families, online financial services should be encouraged. Encourage banks and their wealth management subsidiaries, brokers, fund companies and third-party Internet platforms to carry out online wealth management services, support financial institutions to sell wealth management products and provide corresponding services through qualified institutional platforms, further open up product information and channels between different institutions, and provide diversified and risk-matching choices for families at all levels to meet the changes of family's medium and long-term investment needs.