观趋势，锚未来！《2026中国高净值人群财富管理白皮书》发布

Core Insights - The white paper aims to present the current status and future expectations of wealth management for high-net-worth individuals in China, addressing the growing diversification of wealth accumulation and allocation needs [3][4] Group 1: Research Methodology - The research combines scientific, systematic, and practical principles, utilizing a multi-layered and three-dimensional research framework [4] - Over a thousand questionnaires were distributed nationwide to high-net-worth individuals, covering more than 30 provinces, ensuring broad representativeness [4] - The research team conducted in-depth interviews with over 40 high-net-worth individuals and experienced private banking professionals to capture deep customer demands and industry service pain points [4] Group 2: Wealth Management Trends - The macro environment and market evolution are pushing wealth management towards a value-deepening phase, with high-net-worth individuals shifting from simple value preservation to comprehensive, customized, and diversified wealth solutions [6] - The structure of high-net-worth individuals shows significant industry diversification and generational differences, with traditional industries remaining the main source of wealth while modern services and advanced manufacturing are also important [6] - Asset allocation trends indicate a focus on stability domestically and progress internationally, with domestic investments centered on financial products, deposits, and insurance, while international investments are more diverse and proactive, focusing on mature markets like Hong Kong, the U.S., and Singapore [6] Group 3: Service Demand Evolution - Service demands are extending beyond wealth management to encompass health, education, and inheritance, with high-net-worth individuals seeking personalized, professional, and secure services [7] - There is a trend towards younger and more proactive inheritance planning, with entrepreneurs driving the demand for integrated family and business services [7] - The findings of the white paper provide insights into market segmentation, demand upgrades, and global asset allocation trends, posing new requirements for wealth management institutions regarding strategic positioning and service capabilities [7] Group 4: Future Outlook - As China's economy continues to develop, the wealth management industry is expected to play a more significant role in supporting the real economy, promoting common prosperity, and safeguarding people's wealth [8] - The industry must maintain professionalism and compliance while building a customer-centric, open, collaborative, and warm service ecosystem to adapt to market changes and evolving customer needs [8]