How many people in China are in the super rich who are worth more than 500 million yuan? How do they invest and manage their finances? Recently, Minsheng Bank and Hurun Report issued the “2014-2015 China Ultra High Net Worth Demand Survey Report” (hereinafter referred to as “Report”) to comprehensively interpret the financial needs of ultra-high net worth individuals. According to the "Report", the number of ultra-high net worth individuals with personal assets (including financial assets and physical assets) reaching more than 500 million yuan reached 17,000, with a total asset size of 31 trillion yuan and an average asset size of 1.82 billion yuan.

The ultra-high net worth group is mainly dominated by business owners, with males accounting for 84% and females accounting for 16%. The average age is 51 years old, and the total assets of individuals are more than 500 million yuan, of which 45% are distributed in first-tier cities. Nearly 60% of the companies are listed, and the industry is dominated by manufacturing, real estate and TMT, accounting for nearly half of the total.

As the group with the highest asset size, these super-rich people still have 70% of them indicating financing needs, and the financing purpose is mainly enterprise development. Among them, the proportion of enterprise expansion reached 65%, the proportion of corporate mergers and acquisitions reached 27%, and the proportion of business turnover was only 8%. It can be seen that the enterprises mainly operated by China's ultra-high-net-worth individuals are in a period of rapid expansion and development. Larger. From the perspective of financing channels, banks are the preferred channel for their choice of financing, accounting for 77%.

With the accumulation of wealth and the change of ideas, the investment allocation of ultra-high-net-worth individuals is now in addition to overseas investment, corporate investment and other types of investment, such as art and other alternative investments have become their investment direction. According to the "Report", in terms of demand for art investment, these super-rich people accounted for the most jewels and jade, accounting for 45%; followed by ancient calligraphy and painting, accounting for 29%, and contemporary art and antiques accounted for 26% and 24% respectively. The exchange of Tibetan friends is the most important information channel, accounting for 55%, followed by auction houses and experts, accounting for 38% and 34% respectively. In the interview, the analysts found that the ultra-high-net-worth individuals who collect art in the early stage of investment collection usually pay a lot of “tuition fees” because of the lack of professional appraisal. Therefore, the service that the ultra-high-net-worth group expects most is professional identification. .

In addition, nearly 70% of the ultra-high net worth individuals have been exposed to private banking services, and the proportion of Chinese banks and foreign banks selected by the host banks is 57% and 37% respectively. Financial professionalism is the most important aspect when choosing a private banking service team.

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