摘要
富裕阶层的快速成长是中国经济发展过程中的一个突出特点,对中国富裕阶层金融行为特征进行的理论解读及随机调查显示:中国富裕阶层更关注财富传承、生活品质与财富成长,理财知识匮乏、但投资自信心很强,投资倾向保守、但风险承受能力很强,倾向于选择商业银行作为理财机构,家庭互动是其理财决策的主要模式;对富裕阶层金融行为起主要影响作用的因素包括风险偏好、投资意识、金融服务以及投资信息等。中国商业银行拓展财富管理业务,既适逢难得历史机遇又面临多重潜在风险,大型商业银行应选择综合性银行模式,而战略合作模式是中小型商业银行的理性选择。
The rapid growth of the rich class is a prominent feature of the process of Chinese economic development. The theoretical interpretation and random survey of the behavior characteristics of Chinese rich class show that the rich class is more concerned about the inheritance and growth of the wealth, the quality of life, and lacks of financial knowledge, but it has strong investment confidence; its investment intention is conservative, but its capacity to bear risk is strong; it tends to choose commercial bank as wealth management institution, and family communication is the main mode of its financial decisions. The main factors that impact the financial behavior of the rich class are risk preference, investment motive, financial service and investment information, etc.. It is a rare historical opportunity for China＇s commercial banks to expand wealth management business and meanwhile, they also face many potential risks. The large commercial bank should choose the model of integrated bank. The model of strategic cooperation is the rational choice of the small and medium sized commercial bank.
出处
《金融论坛》
CSSCI
北大核心
2011年第1期4-13,共10页
Finance Forum
关键词
富裕阶层
财富管理
金融行为
综合性银行模式
战略合作模式
rich class
wealth management
financial behavior
integrated bank
mode of stategic cooperation
