2025年，中国新富人群的财富健康指数从上一年的70.51分小幅下降至70.35分，财富信心、财务规划和 投资参与次指数分别下降0.26分、2.47分和0.14分，但资产管理次指数在连续四年回落后逆势上扬，显 示出新富人群在财富管理与资产配置上的意识与行为逐步迈向成熟。 在生成式人工智能技术迅速发展的背景下，今年的研究还特别关注了新富人群对AI赋能金融服务的态 度与使用行为。调研结果显示，中国新富人群对AI生成投资建议的信任度显著高于海外市场，有近七 成表示非常信任或比较信任。其中，投资风格越激进的受访者对此信任度越高，而投资经验超过15年的 人群则明显更青睐人工服务。在具体应用层面，新富人群更加认可AI在技术性分析方面的优势，而人 工投顾则在情感陪伴、挖掘客户需求等涉及人际交互的场景中展现出独特价值。 数据显示，已有近五成(48.6%)受访者拥有养老规划。其中，25—44岁青壮年群体以及月收入1.5—3万元 和3万元以上的中、高收入群体的养老规划实践度提升最为显著。 经济观察网9月18日，上海交通大学上海高级金融学院(高金)与嘉信理财(Charles Schwab)联合发布第九 年度的《中国新富人群财富健康 ...

Core Insights - The "Wealth Health Index" for China's new affluent population shows a slight decline in 2025, indicating a decrease in wealth confidence, financial planning, and investment participation, while asset management awareness is improving [1][2] Group 1: Wealth Health Index - The Wealth Health Index for new affluent individuals in China decreased from 70.51 to 70.35 in 2025, with sub-indices for wealth confidence, financial planning, and investment participation declining by 0.26, 2.47, and 0.14 points respectively [1] - The asset management sub-index, after four years of decline, has shown an upward trend, indicating a maturation in wealth management and asset allocation behaviors among this demographic [1] Group 2: Investment Behavior - The average allocation of cash and fixed deposits in the asset configuration of new affluent individuals has dropped to 52.5%, marking the first decline in this category [2] - The participation rate in fund investments has reached a five-year high, with the average allocation to funds increasing to 12.4% [2] - Nearly 40% of respondents expressed interest in overseas asset allocation, reflecting a growing inclination towards diversified investment paths [2] Group 3: Risk Preferences and Financial Literacy - Despite an increase in the allocation to high-risk financial assets, the subjective risk preference of new affluent individuals remains conservative [2] - There is a noted shortfall in understanding the relationship between risk and return, highlighting the need for improved financial literacy [2] Group 4: AI in Financial Services - The study also focused on the new affluent population's attitudes towards AI-enabled financial services, revealing a significantly higher trust in AI-generated investment advice compared to overseas markets, with nearly 70% expressing strong or moderate trust [2] - More aggressive investors showed higher trust levels in AI, while those with over 15 years of investment experience preferred human services [2]

美国总统特朗普的政策引发市场动荡，亚洲的寿险公司面临数十亿美元帐面损失。新台币飙升，让中国 台湾的保险公司持有的逾23万亿元台币 （7,620亿美元）海外资产承压。随着长期政府公债收益率飙升 至数十年来的最高水平，日本的保险公司也受到冲击。分析师警告称，保险业面临巨大风险，高盛估 计，光是中国台湾的保险公司帐面损失就可能达到约180亿美元。（彭博） ...