Buying Lottery Tickets As Financial Management -- 60, 70 And 80 After Financial Consumption

Buying lottery tickets as financial management -- after 60, after 70 and after 80 Finance Consumption aspect

Recently, the report on China's urban residents' financial consumption patterns and trends has been released. This report adopts the analysis dimension of 60, 70, and post-80s, and makes an in-depth analysis of the financial consumption patterns of urban residents from the perspective of three typical groups. This is the first time in financial industry research. The results show that after 60, 70 and 80 are conservative achievements, enterprising enjoyment and new trend. fashion These three groups.

It is understood that this research field involves banks, funds, insurance, securities investment and other industries, covering more than 20 provinces and municipalities and autonomous regions. Digital 100 market research company, with the help of professional online survey system, has a total sample size of 12000. The industry generally believes that age is the most basic customer information, and age based research results are forward-looking in nature, providing an important basis for financial institutions' marketing decisions. The survey results represent the consumption patterns and trends of residents in mainland China.

Facing the uncertainty in the post crisis era, financial innovation is of great significance in stimulating domestic demand. Data show that China wealth The management market has entered the fast lane and is second only to Japan in Asia. It is estimated that by 2020, the scale of asset management in China will reach US $470 billion. With the expansion of the scale of China's wealth management market, the demand differentiation of different customer groups is more obvious, and the contradiction between financial products and the actual needs of customers is becoming more prominent. Guo Tianyong, director of the China banking research center of Central University of Finance and Economics, pointed out that "the innovation ability of China's financial industry is still relatively weak. Banks still lack specialized talents, and in-depth analysis and cutting, stratification and in-depth study on the characteristics of consumer finance can help develop some special color financial products."

The report shows that 41.5% of the 60 pays more attention to capital preservation and value-added, either RMB financing (26%), national debt (18%) or commercial insurance (36%), and 60 financial products that are relatively invested most are low risk. Compared with the 70 and the post-80s, they are more decisive when they stop investment, and reflect the more cautious and pragmatic characteristics after 60. After 60, the process of primitive accumulation of funds has been basically completed. More attention has been paid to real value and practical service. Therefore, when selling financial products, financial institutions should focus on stability and value preservation, and emphasize the practical service value in the service process.

Data show that more than half of 70 prefer high risk and high return investments. From the point of view of value, we can see that after 70, it is still in the stage of struggle. At the same time, because they live in the era of reform and opening up, most of them have strong enterprising and adventurous spirit. Their desire for career and achievement makes them especially interested in high risk and high return investments. For financial institutions, we should develop corresponding high-risk, high return products for these customers. In the process of service and communication, you should pay attention to the transmission of your "important" ideas.

The need for individuation is obvious after 80. 30.5% of the post-80s consumers preferred the "fashion and personality" in the choice of credit cards. Meanwhile, 14% of consumers preferred the design of their own appearance, while 70 paid more attention to the function of the credit card. After 60, they valued the annual fee, safety and other factors. In addition, the Post-80's investment style is not obvious, the proportion of lottery tickets and gold is higher than other groups, which shows that there is no plan and immaturity after 80 years. The first time of financial management after the 1980s was also advanced, which reminded financial institutions to strengthen financial education for college students and strengthen financial education for college students. At the same time, communicate with each other through changing emotional appeals, and strive to innovate the external form of products or services.

At present, most of the domestic financial markets are still in a state of extensive operation. Who can better understand the consumers and the target consumers who choose are more precise, who will be in the leading position in this long-distance race. After 60, 70 and 80, as the main consumer group in the next 10 years, the status in the national economy is self-evident. Liu Ge, a senior commentator of CCTV financial channel today observation, said that using 60, 70 and 80 to classify customers provides a completely different new angle. This angle may be more valuable for the banking industry to face their customers. It provides a digital reference benchmark for market segmentation and product positioning of financial enterprises. It will help financial enterprises continue to innovate and provide consumers with better quality financial products and services.