The middle class, which has successfully established itself in society, has become a confused group. High income and decent jobs do not bring more sense of security, and anxiety and uneasiness about the future are the most painful points under the glamorous appearance of the middle class. Most of these pressures focus on children's education, class pressure, financial confusion and health concerns.
Is there any way to ease the anxiety of the new middle class? There must be. 2018,6543817, at the second anniversary ceremony and new strategy conference of investment financiers with the theme of "Let's go up again", investment financiers jointly released the Report on the Safe Financial Management Behavior of New Middle-class Families and the Report on Big Data of Investment and Financial Management of New Middle-class Families, revealing the deep-seated reasons behind the anxiety and fear of new middle-class families.
Fear behind the charm of the new middle class
The report shows that although the new middle class is well-off, they still feel great pressure in life because of their crisis awareness of competition (70.5% agree that it is difficult to survive without sustained efforts) and their requirements for themselves (72.2% agree that I like to be outstanding).
They always want to run like hell and get rid of others. Class anxiety often makes such people afraid that they will fall behind and the class will fall. Every day, they worry about how the money will appreciate and how to leave it to their children better. Defending property has become a heart disease for the new middle class, which makes them uneasy.
The fierce competition in the workplace, the huge investment and pressure faced by parents' health, personal feelings and children's education are the crux of the anxiety of the new middle class. In the most anxious aspect of children's education, whether it is a hot post that "the monthly salary of 30,000 can't afford children's summer vacation" or the chaos of "learning and thinking to capture parents' circle of friends", it shows that the anxiety of the new middle class for children's education is unprecedented.
The report shows that realizing asset appreciation is a way for the new middle class to relieve anxiety, and the number of new middle class people who realize asset appreciation as anxiety relief is as high as 60%. Men pay attention to financial topics with 62.98% attention, and become the in-depth responsible person of financial behavior of new middle-class families. In terms of the geographical proportion of financial concern, second-tier cities are far ahead with 42%. This is closely related to the large-scale rise of the new middle class driven by the urban expansion in China.
It can be seen that how to invest and allocate assets, realize wealth appreciation and ensure their quality of life by maintaining the relative wealth advantage, has become the most concerned thing for the new middle class, which has brought new wealth anxiety.
Do you take action to defend the wealth of the new middle class?
Suddenly I remembered the song "I feel my body is hollowed out". Has the new middle class always had this sense of powerlessness in life and work? Some people joke that this sense of powerlessness can be alleviated through successful investment and financial management. Jokes are jokes, but we can see the importance of reasonable investment. The Report of New Middle Class 20 17 released by Wu Xiaobo Channel shows that investment and financial management is a common intellectual anxiety of the new middle class, and half of them are dissatisfied with their financial management ability.
The Report on Financial Security Behavior of the New Middle Class points out that the investment and financial management of the new middle class has the following characteristics: the scale of funds is small, the proportion of fixed assets is large, and the ability to resist risks is weak; Strong willingness to increase financial value, low acceptance of losses and very high security requirements; Investment behavior is cautious, personal investment ability is insufficient, and knowledge acquisition cost is high.
The "Big Data Report on Investment and Financial Management of New Middle-class Families" also shows that the proportion of stable financial managers in new middle-class families is as high as 7 1.4%, and the financial management method with low risk and flexible access is very popular. Internet finance is favored by the new middle class because of its simple operation, high income and low threshold, and their interest in internet finance is growing.
The new middle class has high requirements for the security and quality of the financial platform. At present, with the strengthening of supervision, the internet financial platform with high credibility and security has become the favorite in the asset allocation of the new middle class. Therefore, the trinity platform of asset allocation, knowledge and financial services can be favored by the new middle class. According to the analysis of the report, like investment financiers, flexible access+common allocation of risk leverage, information transparency+high service, financial management+knowledge platform will become the first choice for new middle-class families to manage their finances.
The "investment and financing family" has always been positioned to focus on serving new middle-class families, focusing on the financial assets of the automobile industry chain and scene-based personal credit, and advocating healthy and moderate investment allocation.
Planning for change, focusing on wealth and new life.
The new middle class is younger and the investment demand is more intense and diverse, which is bound to bring huge "new middle class dividend". The mutual gold industry needs to make a strategic layout in advance and calmly cope with the challenges of change. The user data of investors in the research report confirms that this change is coming soon, and its user group has obvious new middle-class characteristics at present; The amount of financial management is gradually increasing with age.
In order to focus on the wealth and new life of the new middle class and better serve the new middle class, the investment and financing family has made a new business strategic layout in three aspects: risk control, brand and assets. At this summit, Chen Rong, CEO of investment and financing family, made a comprehensive exposition on the new strategy.
Risk control strategy aims at improving asset quality and reducing investment risk. Through the application and technological innovation in big data, cloud computing and artificial intelligence, it constantly provides technical backing for changing organizational structure, strengthening risk management and optimizing risk control processes.
The strategic goal of the brand is to become one of the top ten online lending platforms in China within a few years. Brand strategy will continue to provide high-quality brand endorsement for a convenient, low-cost financing, standardized and transparent investment environment by continuously focusing on new middle-class families, meticulously serving the development of the real economy and practicing inclusive finance.
Asset strategy aims to make convenient and efficient financial services benefit a wider range of groups. By deeply cultivating auto finance and consumer finance assets, we will develop supply chain financial services according to market conditions, continuously provide a high-quality asset base, meet the capital needs of small and medium-sized enterprises and individuals, and support the development of the real economy.
At the same time, Chen also said that as the industry enters a new historical stage, investment and financing companies will continue to operate in compliance with laws and regulations and steadily during the 2.0 period of platform development, meet the investment and financing needs of users through professional services, promote the development of the real economy, and become widely recognized investment and financing experts and inclusive finance masters.
Rollo may, an American psychologist, once said, "One of the few blessings of living in anxious times is that we must know ourselves." In this era of anxiety, it is particularly important to know yourself because you are fortunate to be a member of the syndrome group. Life is easy, life is easy, and life is not easy. Everyone has pressure from life, and the anxiety of the middle class about health and children's education will gradually ease after financial management is done well. Not only the middle class, but also financial management is equally important to each of us.