截至2025年6月底，该行零售不良贷款余额377.13亿元，较上年末增加25.78亿元；不良贷款率1.03%，较上年末上升0.07个百分点。 前段时间，招商银行客户权益下滑的消息传播甚广。 像是，招商银行金葵花用户需要验资2000万，才能进入成都天府机场贵宾厅，以及招商银行新更换的芯片版经典白信用卡要从原本"1万积分免年费"变为"1万积分18万元刚性消费免年费"等。 但该等权益的调整，尚未影响招商银行零售客户的拓展。 从招商银行最新的半年报看到，截至2025年末，招商银行零售客户2.16亿户（含借记卡和信用卡客户），较上年末增长2.86%，其中，金葵花及以上客户（指在该行月日均总资产在50万元及以 同时，招行私人银行客户（指在该行月日均全折人民币总资产在1000万元及以上的零售客户）共计18．27万户，较上年末增加1．36万户，增长8.07%。 作为"零售之王"，招商银行至少保证了中产及以上客户的持续增长。 只是整体看招商银行的零售贷款业务，仍显示出"乏力"的迹象。 一边是零售贷款占比的下滑。 截至2025年6月底，招商银行零售贷款余额3.61万亿元，较上年末增长0.94%，占该行贷款和垫款总额的53.43% ...

Group 1 - The article discusses the wealth inheritance issues faced by high-net-worth individuals in China, highlighting that only 12%-20% consider using trusts and family offices for wealth transfer [8] - It provides a profile of high-net-worth individuals, defining them as families with disposable assets over 6 million RMB, while the middle class is defined as those with disposable assets between 2 million and 6 million RMB [3] - The article emphasizes that 67% of high-net-worth individuals prefer using wills for inheritance, and 54% opt for insurance products to avoid disputes and legal risks [8] Group 2 - The report indicates that the number of wealthy families in China has decreased for two consecutive years, with a slight decline to 5.128 million households in 2024, while the number of high-net-worth individuals as defined by a bank has increased [18][22] - It notes that the wealth is increasingly concentrated among the top tier, with the "Golden Flower" users of a bank representing only 2.5% of total users but having 177 times the average assets of ordinary clients [26] - The article highlights a shift in focus among high-net-worth individuals from wealth creation to wealth preservation, with 95% having various types of insurance products [32][58] Group 3 - High-net-worth individuals exhibit changing consumption habits, with a high desire for consumption scoring 79.7, significantly higher than the middle class [38] - The article identifies four key consumption characteristics: high desire for consumption, a shift towards understated luxury, prioritizing health investments, and a preference for privacy in travel [42][45][50] - It concludes that the current economic uncertainties have led high-net-worth individuals to prioritize health and privacy over ostentatious displays of wealth [56]