最近，有不少网友提出，若拥有500万存款，放在全球是什么水平？放银行能靠利息为生吗？实际上，国内拥有500万存款的家庭数量并不多。2024年胡润财 富报告发布了数据，中国拥有600万元资产的富裕家庭有512.8万户。看起来数量有不少，但中国的家庭数量大约是4.94亿户。这就意味着，512.8万户占国内 家庭总数大约只有1%。 所以，如果你的家庭总资产超过600万，在国内就属于凤毛麟角的存在了。值得一提的是，即使你的资产达到600万，很多家庭的房子市值就达到400多万， 剩下的可投资的资产也只有100多万。所以，资产达到600万，与拥有存款500万相比，这个含金量还要低很多。这就意味着，国内拥有500万存款的家庭数 量，占国内家庭总数的比重远低于1%。 那么，如果在国内拥有500万存款，放在全球是什么水平呢？根据估算500万相当于70万美元左右。放在全球也是绝大多数人难以企及的水平。如果放在发达 国家，应该算是中上等家庭水平的家庭，而如果放在发展中国家，那应该算是非常富裕的家庭了。关键还是要看你所处的哪个国家，以及哪座城市了。 事实上，拥有500万存款，放银行能否靠利息为生，这取决于两个方面的因素：第一，要看当 ...

据市统计局发布数据显示1至11月，限额以上批发和零售业中，金银珠宝、化妆品等升级类商品零售额 保持较快增长，分别增长40.5%和12.3%。 结合当前金价大涨，专家给出投资建议和风险提示：黄金已经连续三年大幅上涨，作为一种避险资产， 其涨幅和波幅已经超过很多风险资产。当前市场的不确定性因素仍然很多，美联储内部分歧严重，后续 降息节奏不确定性较大，全球地缘局势尚不明朗。在这样的市场环境下，建议投资者秉持多元化资产配 置的原则，结合自身风险承受能力与投资目标，做到量力而行、理性布局。此外，投资者在参与黄金投 资时，建议选择正规渠道、正规机构和正规产品，警惕黄金投资骗局。 来源：北京新闻 今天，国际金价开盘报4338.91美元，截至上午11点小幅下跌3.13美元。记者今天走访菜百看到：投资金 方面，实时投资基础金价为每克974元，饰品金方面，足金价格为每克1320元。 中国工商银行北京市分行金融市场部交易经理乔若羽分析，黄金走强主要有三点原因： 一是美联储重 启降息周期。由于美国经济复苏动能边际放缓，就业数据表现不佳，美联储今年9月重启降息周期并连 降三次，共降息75个基点。美元指数自年内高点跌幅已经超过10%，金 ...

二是持续提升跨境服务效能。搭建全球资本合作桥梁，高效对接科创板、创业板、北交所、港交所及全 球市场，探索跨境投资银行、资产管理、财富管理协同联动新路径，实现股票、债券、理财等多元领域 互联互通。支持企业高质量"出海"，立足在境内和香港资本市场优势，为企业提供境外IPO、并购、发 债等全链条支持，助力更多优质企业实现国际化发展。 张文武介绍，作为产融并举的大型综合性跨国企业集团，中信集团总资产超13万亿元，表外业务规模超 50万亿元，资产管理规模近11万亿元，已成为中国最大的资产管理机构和直接融资机构，在服务实体经 济、发展新质生产力、助力多元化资产配置等方面，开展了一系列探索和实践，打造了独特优势。 三是持续构建价值共创生态。用好北京城市副中心全球财富管理中心平台，凝聚行业共识与合力，加强 投研共享、产品共创、渠道共建、风险共防，推动财富管理从单一产品销售模式，向以"客户需求为中 心"的全生命周期资产配置服务转型。 具体来看，一是服务实体经济，筑牢财富积累根基。截至今年11月末，已服务国家级专精特新及制造业 单项冠军企业超1.5万家、覆盖率超过98%，其中服务北京地区企业1081家、覆盖率达100%。二是突出 ...

Core Viewpoint - The article discusses the disparity between the perception of economic strength in China and the reality of its position relative to the United States, emphasizing the importance of understanding the underlying distribution rules that govern global economics [4][6][7]. Group 1: Economic Performance - In 2021, China's industrial output accounted for 30% of the global total, and its GDP reached 77% of that of the United States. However, by 2024, while industrial output increased to 35% of the global total, the GDP ratio relative to the U.S. fell to 65%, a decline of 12% [4][5]. - The article highlights that despite improvements in industrial production capabilities, China's economic growth is hindered by the existing distribution rules set by the U.S., which maintains its status as the largest consumer nation [6][7]. Group 2: Global Economic Rules - The article categorizes countries into resource countries, industrial countries, and consumer countries, with the U.S. being the largest consumer country that dictates the rules of the game [6]. - The dominance of the U.S. is attributed to its control over the distribution of global wealth, with the dollar serving as the primary currency for international transactions, reinforcing the concept of dollar hegemony [6][7]. Group 3: Military and Economic Strategy - The article suggests that to change the existing economic rules, China must enhance its military capabilities, particularly in naval power, to gain leverage in international negotiations [8][10]. - It is noted that the U.S. is currently adjusting its national security strategy to stabilize relations with China while addressing its own economic issues, indicating a shift in the dynamics of their relationship [14][18]. Group 4: Future Outlook - The article expresses optimism about China's future, suggesting that while it may not immediately become the new "game master," the current challenges faced by the U.S. could create opportunities for China [13][22]. - It emphasizes the importance of being prepared for potential economic shifts and the need for diversified asset allocation to navigate the changing landscape [35][44]. Group 5: Policy and Market Dynamics - The article stresses the significance of monitoring policy changes and macroeconomic events, as these will influence market conditions and investment strategies [45][52]. - It highlights the volatility in capital markets due to global liquidity changes, particularly in response to actions taken by major central banks like the Federal Reserve and the Bank of Japan [47][48].

Core Viewpoint - The Chinese financial system is at a historical juncture, emphasizing the construction of a financial powerhouse and the development of a dynamic pension finance system to support the aging population and enhance the economy [1][22]. Group 1: Understanding Pension Finance - Pension finance is not a single product but a comprehensive financial service system covering the entire personal retirement lifecycle, typically divided into three pillars: basic pension insurance, enterprise annuities, and personal pensions [3][25]. - Traditional savings for retirement is a static wealth preservation method, while pension finance is a dynamic system that continuously generates and optimizes cash flow throughout the retirement period [4][26]. Group 2: Benefits of Pension Finance - Pension finance can address longevity risk, ensuring that individuals do not outlive their savings by providing long-term, stable cash flow through various products like annuities and pension funds [5][27]. - It better hedges against inflation and preserves value, as pension products often involve professional asset allocation in capital markets, allowing individuals to benefit from long-term market growth [6][28]. - Pension finance significantly reduces the risk of funds being misused or lost to fraud, as products typically have defined lock-in periods and withdrawal rules, promoting disciplined spending [6][28]. Group 3: Challenges and Market Development - The primary challenge in promoting pension finance is a lack of awareness and understanding among the public, as many individuals are unfamiliar with long-term pension products and prefer short-term returns [8][30]. - Current pension products generally yield stable returns in the range of 3%-5%, which aligns with the goal of prioritizing safety over high short-term returns [8][30]. Group 4: Targeting Younger Demographics - Pension products should be designed with younger individuals in mind, featuring lower investment thresholds and flexible payment options to accommodate their financial situations [9][31]. - Simplifying the purchasing process and providing incentives for long-term holding can encourage younger people to participate in pension finance [10][32]. Group 5: Regulatory and Market Structure - The safety and long-term sustainability of pension products are ensured through strong regulatory oversight, with a focus on stable asset investments [12][35]. - The market for personal pension products has developed a diverse range of options, allowing for tailored investment strategies based on individual risk tolerance and retirement timelines [13][36]. Group 6: Capital Market Considerations - For pension funds to effectively contribute to solving China's retirement issues, the capital market must be cleaner and more efficient, with a focus on eliminating poorly performing companies [17][41]. - The shift towards a "silver economy" indicates a significant market potential, with approximately 330 million elderly individuals in China, representing a market size of 3 trillion to 15 trillion yuan depending on consumption levels [19][42]. Group 7: Policy Support and Industry Development - The "14th Five-Year Plan" aims to cultivate the pension finance sector into a substantial industry, balancing both protective and developmental aspects to meet the diverse needs of the elderly population [20][43]. - The demand from the elderly is multi-faceted, requiring a comprehensive service system that goes beyond basic needs to include health, social participation, and emotional support [21][43].

第一，要做好存款利率越来越低的准备 从2023年开始，国内存款利率进入到下跌的通道之中，以1年期存款利率为例，之前是2.25%，现在只有1.35%。如果把10万元存入银行，每年利息收入就减 少了900元。未来银行存款的利率还有继续下行的空间。而受到银行存款利率下行影响最大的是：①喜欢存钱的中老年人群体，他们通常手里都有一笔金额 较大的存款。②想一直靠存款利息生存的人群。看来这类人群只能再去找一份新工作了。 面对存款利率越来越低，储户该如何应对呢？①储户应该把钱存到股份制银行。因为股份制银行存款利率要高于国有银行，存款的安全性要比村镇银行和农 村商业银行等小银行要强。②储户在存钱时，可以选择存3年期的存款，这样可以锁定中长期的存款利率。③如果储户的存款达到20万以上，那可以选择购 买大额存单，因为大额存单的利率要比定期存款更高一些，而且还具有可转让的功能。 前不久，我去银行办理业务，与一位资深的银行客户经理聊起了天。在谈到当前的投资大环境不佳，以及存款市场发生较大变化的情况之下，储户应尽量做 好什么准备时。该银行客户经理本来想随便聊上几句就结束了。但经过我一再询问，她才说漏了嘴。在这位银行客户经理看来，手里有定 ...

【深圳商报讯】(记者张莹苑伟斌)12月4日，胡润研究院发布《胡润百富2025中国高净值人群金融投资 需求与趋势白皮书》(以下简称为"白皮书")。 白皮书调研对象是500位高净值人群，平均年龄44岁，平均家庭净资产达3700万元人民币，其中企业主 占比超过一半。稳健型投资者(30%)构成主流，核心特征是奉行稳健的长期价值投资策略，并呈现收缩 奢侈品等非必要消费的趋势。 多元资产配置，追求长期稳定投资回报 白皮书显示，高净值人群中的稳健型投资者占比最高(30%)，投资策略以稳健的长期价值为核心特征。 他们的首要财务目标是资产保值与增长(71%)，其次是为重大事项储备资金以及获取稳定现金流(均为 63%)。 高净值人群普遍采用多元化资产配置策略，平均持有5至6种不同类型的投资产品。以低风险的银行类产 品(25%)与保险(19%)为主，并在此基础上配置股票(14%)等增长型资产，在严控风险的前提下追求财富 的可持续增长。 胡润集团董事长兼首席调研官胡润表示："企业出海在中国已成为一个重要趋势。高净值家庭的国际化 通常从旅游开始，逐步扩展至子女海外教育、家庭成员投资移民等，也包括境外投资。" 关注健康医疗，逐步收缩非必 ...

来源：上海证券报·中国证券网 上证报中国证券网讯（记者 徐潇潇）12月4日，万通保险与胡润研究院联合发布《万通保险·胡润百富 2025中国高净值人群金融投资需求与趋势白皮书》。白皮书旨在探索中国高净值人群在金融资产配置、 境外投资组合构建、金融机构选择以及保险配置需求等方面的最新动向与长期趋势。 据悉，双方联合邀请了500位高净值人士开展专项调研，受访者平均家庭净资产达3700万元人民币，其 中企业主占比超过一半。调研显示，上述高净值人群的资金主要来源于经营收入（37%）、工资收入 （28%）和投资收益（22%），资金则主要用于金融投资（79%）、子女教育（66%）与购买保险 （60%），分别对应其核心财富诉求：财富增值、财富传承与风险隔离。 未来规划中，高净值人群在持续关注教育、投资与保险投入的同时，也更加重视健康医疗，显示出预防 性健康保障意识的增强；他们也在通过削减奢侈品、人情消费及娱乐开支等方式，全面压缩非必要消 费，整体财务行为更趋审慎。 白皮书显示，高净值人群普遍采用多元化资产配置策略，平均持有5至6种不同投资产品，以低风险的银 行类产品（25%）与保险（19%）为主，并在此基础上配置股票（14% ...

Core Viewpoint - The recent collective removal of 5-year large denomination certificates of deposit (CDs) by major Chinese banks indicates a shift in banks' strategies towards more cautious interest margin management and a potential reduction in the supply of long-term fixed-rate deposits [1][11]. Group 1: Market Changes - Major state-owned banks have collectively removed 5-year large denomination CDs from their mobile banking platforms, with current offerings limited to terms of 3 years or less, and interest rates ranging from 1.20% to 1.55% [1][2]. - The trend of discontinuing 5-year large denomination CDs is not new, as some institutions had already begun this practice last year [1]. - The interest rates for 3-year large denomination CDs are approximately 1.55%, with minimum purchase amounts typically set at 200,000 yuan [2]. Group 2: Historical Context - The development of large denomination CDs spans nearly 40 years, with their initial issuance by the Bank of Communications in 1986, followed by a long hiatus until their reintroduction in 2015 [5][6]. - The popularity of large denomination CDs surged around 2018 due to changes in the banking landscape, including the relaxation of interest rate caps and increased demand for fixed-term deposits [6]. Group 3: Financial Implications - The discontinuation of long-term high-interest deposits is primarily driven by banks' need to manage net interest margins more effectively, as the current environment of low loan rates and high deposit costs creates pressure on profitability [11]. - As of the end of Q3, the net interest margin for commercial banks was reported at 1.42%, indicating a challenging environment for maintaining high-interest deposit products [11]. Group 4: Customer Behavior - The removal of 5-year large denomination CDs has prompted customers to reconsider their investment strategies, shifting from a focus on high-interest deposits to a more diversified asset allocation approach [12][15]. - A survey indicated that 18.5% of residents are inclined to invest more, with non-principal guaranteed bank wealth management products becoming increasingly popular [14].

Core Viewpoint - The recent collective removal of five-year large denomination certificates of deposit (CDs) by major Chinese banks indicates a shift in banks' strategies towards more cautious interest margin management and a potential reduction in the supply of long-term fixed-rate deposits [2][7]. Group 1: Market Changes - Major state-owned banks have collectively removed five-year large denomination CDs from their mobile banking platforms, with current offerings limited to terms of three years or less, and interest rates ranging from 1.20% to 1.55% [1][3]. - This year's trend deviates from the traditional year-end practice of increasing the supply of high-interest deposit products, raising market concerns [2][3]. - The interest rates for three-year large denomination CDs are approximately 1.55%, with minimum purchase amounts typically set at 200,000 yuan [3]. Group 2: Historical Context - The five-year large denomination CD has been a significant product in the banking sector for nearly 40 years, initially gaining traction in 1986 but facing a long hiatus until its reintroduction in 2015 [4][5]. - The product saw a surge in popularity starting in 2018, with interest rates exceeding 3% and even reaching 4% in some smaller banks, making it attractive to conservative investors [5][6]. Group 3: Current Trends and Implications - The decline in the attractiveness of five-year large denomination CDs is attributed to narrowing net interest margins, with many banks controlling the issuance of long-term CDs and reducing interest rates [6][7]. - As of the third quarter, the net interest margin for commercial banks was reported at 1.42%, indicating ongoing pressure on banks' profitability due to high deposit costs amidst declining loan rates [7]. - The shift towards a "differentiated supply" model suggests that only a few banks with strong liability demands may continue to offer long-term deposits, while others will focus on shorter-term products [2][7]. Group 4: Investor Behavior - The changes in the availability and attractiveness of large denomination CDs are prompting investors to diversify their asset allocation strategies, moving away from a focus solely on high-interest deposits [9][10]. - A survey indicated that 18.5% of residents are inclined to invest more, with non-principal guaranteed bank wealth management products becoming increasingly popular [9]. - Investors are now considering a mix of investment options, including stable wealth management products and money market funds, reflecting a shift in financial strategies in response to the changing market landscape [10][11].