Research on the Asset Allocation Structure of Chinese Residents under the Background of Internet Finance

Abstract

The rapid development of the Internet has made financial derivatives more abundant, and this will inevitably have an important impact on the structure of residents’ wealth. This paper utilizes data science ideas and questionnaire survey methods to study the changes in the structure of Chinese residents’ asset allocation in the context of Internet development, and analyzes the changes in the structure of asset allocation of different income groups and the reasons. This paper draws the following conclusions: the changes in the structure of residents’ asset allocation are largely caused by the development of the Internet, and the Internet finance born under the development of the Internet provides more convenience for residents’ financial management, and the structure of residents’ asset allocation will become more diversified with the development of the Internet in the future development. At the same time, the impact of the development of Internet finance on the asset allocation structure of different income and age groups is different.