我国财富管理发展的机遇与挑战

Research on Wealth Management in China

改革开放以来,我国财富管理行业得到了快速发展,财富管理呈现出专业化、智能化、多元化、安全化和普惠化的趋势。经济发展和收入增长、结构转变和观念升级、金融发展和技术进步是财富管理行业三股重要的驱动力量。虽然我国财富管理市场发展的规模很大、速度很快,但是也存在监管制度不尽完善、业务模式有待转型、产品同质化明显、基础设施有待加强和人才储备匮乏的问题。在此基础上,本文提出了坚持"以客户为中心"、实现多元化配置、加强投研能力建设、加强人才培养、提升服务实体经济能力等政策建议。

Since the reform and opening up program got under way, China’s wealth management industry has made significant strides. Wealth management reflects a number of sometimes contradictory aspects such as specialization combined with diversification, investment security and inclusiveness. There are three critical drivers for the industry-economic development and income growth, structural change, and financial and technological development. Although China’s wealth management market is large in scale and growing rapidly, there are still a number of major problem areas. These include regulatory flaws, a business model that is in need of upgrading, a lack of product diversity, a need for better infrastructure and a shortage of talent. This paper makes some policy suggestions, such as developing more "customeroriented" services, strengthening investment research capacity, increasing personnel training, and improving the wealth management industry’s ability to serve the real economy.