1月21日，由中国银行联合21世纪经济报道共同推出的《2026中国高净值人群财富管理白皮书》（以下简称"白皮书"）正式发布。 白皮书立足于中国经济社会高质量发展的宏观背景，直面居民财富持续积累与配置需求日益多元化的现实，旨在通过系统、科学的调研，客观 呈现高净值人群的财富管理现状与未来期待，为财富管理行业的转型升级与高质量发展提供扎实的数据支撑与决策参考。 白皮书研究秉承科学性、系统性与实用性相结合的原则，构建了多层次、立体化的研究体系。在定量研究方面，面向全国高净值人群发放问卷 超千份，覆盖超过30个省份，样本具有广泛代表性。在定性研究方面，白皮书课题组深度访谈了超40位高净值人士及资深私人银行从业者，精 准捕捉客户深层诉求与行业服务痛点。最终，通过定性与定量结论的相互印证与补充，形成了兼具全景视野与微观洞察的研究成果。 高净值人群结构呈现鲜明的行业多元与代际分化特征。传统行业仍是财富主力，现代服务业与先进制造业亦构成高净值人群的重要来源，且从 业人群更趋年轻化与高学历化。不同代际在风险偏好、服务期待与沟通方式上差异显著，这要求财富管理机构提供更具针对性的分层服务体 系。 服务需求正从财富管理延伸至涵盖健康 ...

格隆汇1月21日｜中国银行在北京、香港同步推出个人金融全球服务方案，依托"全球账户"功能，在境 内外多地开展推广。该方案聚焦跨境客户需求，提供全球账户概览、资产配置、便捷汇划、发薪便利及 尊享权益等五大核心服务，实现手机银行跨境可视、多币种资产配置与高效汇款等功能。现场还发布了 《2026中国银行个人金融全球资产配置白皮书》和《2026中国高净值人群财富管理白皮书》，持续为客 户的全球资产布局提供专业支持。中国银行表示，将继续优化全球服务，助力客户实现价值。 ...

Core Insights - The Bank of China has launched a personal financial global service plan based on the "global account" feature, aiming to enhance cross-border financial services and meet the higher demands of cross-border clients [1][3] - The service plan includes five core functions: global account overview, global asset allocation, global convenient remittance, global payroll convenience, and global premium rights [3] - The bank has also released two white papers focused on global asset allocation and wealth management for high-net-worth individuals, continuing its commitment to respond to client asset allocation needs [3] Group 1 - The launch of the global service plan is part of the Bank of China's efforts to optimize cross-border trade and investment facilitation measures [3] - The service aims to provide a one-stop, full-cycle support for cross-border clients, enhancing the accessibility and convenience of financial services [3] - The bank has integrated its mainland and Hong Kong mobile banking services, allowing for a seamless experience where clients can initiate transactions from one end and view them on both ends [3] Group 2 - The bank emphasizes four key features of its global remittance services: cost-effectiveness, speed, security, and convenience [3] - The "Bank of China Global Payroll" service supports a comprehensive financial ecosystem from enterprises to employees and individuals to families [3] - Clients can open local accounts in over ten countries or regions and enjoy corresponding tiered services with a single identity [3] Group 3 - The Bank of China aims to enhance its global service layout with a broader vision, practical measures, and superior services to accompany global clients in creating value [4]