Core Insights - The white paper indicates a shift in Chinese families' risk perception by 2025, showing a decrease in traditional survival risk anxiety and an increase in wealth risk awareness [1][2]. Group 1: Risk Awareness Trends - The research highlights that while health, retirement, and accidental death risks remain the top three concerns for families, their attention to these risks has decreased compared to 2023 [2]. - There is a notable increase in awareness regarding wealth management risks, particularly concerning unemployment and wealth depreciation, reflecting heightened anxiety about the job market and investment risks [2][3]. - Awareness of personal debt, marital changes, and tax-related risks is gradually rising, indicating a more nuanced understanding of risk management among families [2]. Group 2: Family Concerns and Preferences - Modern families express significant concerns in five key areas: health, retirement planning, children's education, wealth security, and wealth inheritance, with 75.8% worried about health issues and 68.2% about retirement planning [3]. - The demand for risk protection solutions has evolved from traditional insurance compensation to integrated "product + service" solutions, emphasizing the need for professional services, smart decision-making, and personalized tools [3]. - Consumer expectations have shifted from standardized offerings to personalized solutions, necessitating insurance companies to develop layered systems that cater to the entire lifecycle of customer families for competitive differentiation [3].
白皮书：中国家庭传统生存型风险焦虑下降 财富风险感知提升
Zhong Guo Xin Wen Wang·2025-09-19 12:49