国家金融监管总局蒋则沈：当前我国受托管理资产规模超百万亿

Core Insights - The wealth management and asset management industry in China is experiencing significant growth driven by increasing household wealth and income stability [2][3] Demand Side - China's residents' disposable income is projected to grow nominally by 5.3% in 2024, aligning with GDP growth, with the first three quarters of this year maintaining a nominal growth rate above 5% [2] - The income gap between urban and rural residents is narrowing, with rural income growth outpacing urban areas [2] - Wage, operational, and transfer income are increasing, while property net income, although rising, still has substantial room for growth [2] Supply Side - The wealth management and asset management sectors are expanding, with banks, insurance, securities, trusts, and funds enhancing their service capabilities [3] - As of now, there are 135 institutions under the supervision of the financial regulatory authority, including 67 trust companies, 32 wealth management companies, and 36 insurance asset management companies [3] - The total assets under management across these institutions exceed one trillion yuan, with a year-to-date growth rate of nearly 6% and a year-on-year increase of over 15% [3] Future Opportunities - Financial institutions are encouraged to integrate wealth management and asset management, emphasizing the importance of collaboration to prioritize client interests [3] - Institutions should support the high-quality development of the real economy by effectively channeling funds to meet diverse financing needs [4] - There is a need for continuous enhancement of professional capabilities, focusing on knowledge structure optimization and talent development to manage investor expectations [4] Investor Protection - Financial institutions must prioritize client interests, ensuring appropriate management and improving information disclosure and complaint handling mechanisms [5] - The regulatory authority will continue to implement governance rules, enhance risk monitoring, and promote high-quality transformation across asset management institutions [5]