預計2020年中國高淨值家庭數量將增至388萬戶

China will become one of the largest markets of high-net-worth individuals in the world, with the number of high-net-worth families rising from 2.07m in 2015 to 3.88m at the end of 2020, according to a report released by Industrial bank Co Ltd and the Boston Consulting Group.

興業銀行與波士頓諮詢公司日前發佈的一項報告顯示，我國高淨值家庭的數量將從2015年的207萬戶增至2020年年底的388萬戶，成爲世界最大的高淨值客羣市場之一。

During the same period, China's personal investable assets will increase from 113 trillion yuan to 200 trillion yuan at a compound annual growth rate of 12 percent.

同期，我國個人可投資資產將以12%的複合年均增長率由113萬億元增至200萬億元。

Despite the slowing Chinese economic growth, the wealth of high-net-worth individuals is rising steadily, said the report.

報告指出，雖然中國經濟增速趨緩，但高淨值人羣的財富正穩步增長。

It is estimated that the investable assets of China's high-net-worth individuals will account for 51% of China's individual wealth in 2020, offering great opportunities for the development of private banking business.

據估計，2020年，我國高淨值人羣可投資資產將佔國內個人資產的51%，爲私人銀行業務的發展提供巨大的機遇。

"Chinese banks are increasingly turning toward capital-light activities and asset management," said Chen Jinguang, vice-president of Industrial Bank. "During the transition, private banking will become a crucial profit growth engine for the banking industry."

興業銀行副行長陳錦光表示：“中國的銀行正越來越多地轉向輕資本業務和資產管理。在這一轉型過程中，民營銀行將成爲銀行業的一個重要利潤增長引擎。”

From 2014 to 2015, among 12 banks that announced their performances in private banking, nine posted more than 20 percent growth in assets under management.

從2014年到2015年，在12家披露業績數據的私人銀行中，9家的管理資產規模增速超過20%。

BCG partner and managing director David He said huge market opportunities will continue to emerge in the next five years, as an increasing number of private banking clients allocated a larger part of their assets overseas.

波士頓諮詢公司合夥人兼董事總經理何大勇表示，隨着越來越多的私人銀行客戶在海外分配他們較大部分的資產，巨大的市場機遇將在未來五年內持續出現。

"Compared with other countries, the current proportion of China's overseas personal assets to the total is much lower," he said. "We estimate that the proportion will rise to 9.4 percent in 2020 from 4.8 percent at present, increasing the size of the overseas investment market by 13 trillion yuan."

何大勇說：“和其他國家相比，目前中國的海外個人資產佔總資產的比例要低得多。我們預計這一比例將從目前的4.8%上升到2020年的9.4%左右，新增市場規模將達到13萬億元人民幣。”