2016 China Market Overview - Investment

English

In 2015, Internet-based investment and financing has sprung up. In addition,general insurance, stock, and fund were main products in China's personal investing and financing markets. Moreover, crowd funding has become a new way of investment among young people.

Summary

  • 84% of Chinese investors were optimistic about their future financial situation. Thus, their desire to invest became increasingly stronger. Cash investment accounted for the largest proportion of all Chinese portfolio investment. In addition, general insurance, stock, and fund were main products in China's personal investing and financing markets.
  • In 2015, Internet-based investment and financing has sprung up, with its market scale at close to CNY2 trillion. The proportion of females was a little higher than males in China’s Internet-based financing market. Moreover, China’s Internet-based financing was most used by people aged 25-30 years old. Various families tended to have similar preference for Internet-based investment and financing. The products such as YuEbao was the first choice for all families, followed by P2P.
  • The crowd funding has become a new way of investment among young people. As of the end of 2015, the amount of China's crowd funding products has reached CNY3.07 billion, while JD and Alibaba were the dominant players.
  • China’s high net worth households amounted to 2.07 million in 2015,and were expected to reach 3.88 million in 2020. China’s high net worth individuals’ investable assets have increased by 15% for recent years. It was estimated that China’s high net worth individuals’ total investable assets would exceed the general families in 2020.
  • China’s high net worth individuals were mainly composed of entrepreneurs, real estate speculators, professional investors and gold collar workers. What they valued most was whether they can control the risks. Overseas property was the most popular investment. In addition, fixed-income products, overseas stocks, industry, insurance and funds were also favored by investors.
  • With the advantages of investment, immigration and education, the United States has become the first choice for China’s high-net-worth individuals’ overseas investment, accounting for 73.7% of the total. The United States was also the primary country for China's high-net-worth individuals to buy property abroad, accounting for 66.17% of the total. Better investment and children's education were the main purposes to buy houses abroad.

 

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