资料图。本文来源 ：综合自瑞银报告、第一财经 《瑞银 2025 年亿万富豪报告》：新一代的崛起 2025 年全球亿万富 豪（ 指拥有超过10亿美元资产的人士 ） 的财富水平创下历史新高，商业创 新及本报告出版以来规模最大的财富代际传承为主要助推力。 • 亿万富豪人数增至 2,919 人，增幅达 8.8% 。 • 2025 年，共有 196 位白手兴家的新晋亿万富豪，创下 2021 年之后年度增幅第二高水平，为全 球财富贡献 3,865 亿美元。 • 2025 年，亚太区亿万富豪财富增长 11.1% 至 4.2 万亿美元，其中中国内地保持领先地位（ 1.8 万亿美元）。 • 虽然北美仍为首选投资地区，但投资热情有所下降，越来越多的亿万富豪将目光投向亚太区及 大中华区以探索未来的投资机遇。 上海， 2025 年 12 月 9 日 – 全球领先的财富管理机构瑞银今天发布第十一份 《瑞银亿万富豪报 告》 ，对瑞银的全球亿万富豪客户进行调查，了解他们所面临的独特挑战及机遇。今年的报告 重点关注全球财富创造的驱动因素、愈发重要的财产继承议题，以及世界上最具影响力的家族 不断演变的目标。 2025 年，亿万富豪的人数增加 ...

Core Insights - The core idea of the "Gray Rhino" theory emphasizes that people often overlook obvious risks in favor of searching for elusive, new threats. Recognizing and addressing these visible risks is crucial for effective decision-making [1][7][8]. Group 1: Risk Awareness and Decision-Making - Individuals make approximately 35,000 choices daily, each carrying a risk, yet many do not reflect on their decision-making processes [42]. - Understanding personal risk relationships is essential for improving decision-making frameworks [42][43]. - The cultural context influences risk perception, with Asian individuals reportedly having a more comprehensive approach to risk due to their familiarity with change [51]. Group 2: Climate Change and Systemic Risks - Climate change is identified as a significant "Gray Rhino" crisis, with increasing instances of extreme weather events like wildfires [6][11]. - The economic implications of climate change include challenges in risk pricing, particularly in insurance, which affects the financial system's stability [9][10]. - The need for technological advancements and global cooperation in reducing emissions is emphasized as a solution to climate-related risks [11][12]. Group 3: Investment Strategies and Wealth Transfer - Effective wealth transfer across generations requires open discussions about risk preferences and investment strategies [54][55]. - Younger generations are increasingly interested in impact investing and social enterprises, indicating a shift in investment priorities [56]. - A diversified investment strategy is crucial for adapting to changing risk landscapes and ensuring long-term wealth preservation [56]. Group 4: U.S. Policy and Global Business Environment - The potential impact of U.S. government policies on clean energy and immigration is a concern for global businesses, particularly Chinese enterprises [15][19]. - Companies are encouraged to adapt their supply chains and production strategies in response to geopolitical tensions and trade policies [20][19]. - The importance of understanding cultural differences in business practices is highlighted, particularly for Chinese entrepreneurs operating internationally [47][48]. Group 5: Technology and AI Investment - The rapid development of AI presents both opportunities and challenges, with concerns about its practical application and potential overhype [27][30]. - Companies are advised to approach AI investments cautiously, ensuring a thorough understanding of the technology and its implications [33][34]. - The need for responsible AI usage and the importance of human oversight in AI-generated content are emphasized [37][38].