中国互联网理财市场:行为、风险与对策——互联网理财指数报告(2019)

China’s Internet Wealth Management Market:Behaviors, Risks And Countermeasures——Internet Wealth Management Index Reprot(2019)

互联网理财产品投资者问卷调查显示,中国互联网理财产品市场仍有较多发展空间。当前投资者理财的目的主要是财富保值与增值,男性相对于女性更明显;大型互联网为理财主要平台,投资者选择时主要考虑投资门槛、产品收益、品牌;理财资金规模分布较为均匀,互联网理财产品在投资者理财产品中占比相对较低,是其余理财产品的重要补充;大部分投资者选择储蓄类产品和货币市场基金等低风险产品,以股票为代表的权益资产占比也相对较高。

The survey on investors of Internet wealth management products(WMPs) shows that, there is more room for the development of Internet WMPs. Investors mainly aim for wealth maintenance and appreciation, which is more obvious in male investors than in female investors;Large Internet platforms are commonly used, as investors choose platforms according to investment thresholds, product yields matching their demands, and the trustworthy brands;the distribution of WMP capital is balanced, and Internet WMPs, as important complements to other WMPs, are at a relatively low ratio;low-risk products like savings products and money market funds are preferred by most investors, and the ratio of equity assets like stocks is relatively high.