未来财富管理：全球及中国行业趋势及展望
来源：KPMG
在当今的时代背景下，财富管理行业蕴藏着持久的增长潜力。其主要驱动因素包括：不断增长的家庭和企业财富、养老储备的资金缺口、对非金融资产的过度依赖、个人承担的养老责任、财富代际转移等。新冠疫情导致许多人收入急剧下降，则在另一方面凸显财务韧性的重要性。
财富管理机构在个人财务方面发挥着举足轻重的作用，客户范围不断扩大，跨越不同年龄和收入群体，不再局限于全球精英阶层。
大型财富管理机构不再完全专注于产品本身，而是强调"提供"财富规划方案及建议，并在客户生活中扮演核心角色。这种转变不仅为财富管理机构开辟新业务模式及渠道，还将改变财富管理从业人员的价值观和使命感。与此同时，财富管理行业潜力巨大，尤其是中国和印度等新兴市场，预计未来几年的财富积累将呈指数级增长。
尽管前景乐观，但财富管理行业的传统收入来源和盈利能力正面临日益激烈的竞争，既有成熟的金融机构和新入场者准备通过并购获得市场份额，还有保险公司和资产管理公司迅速扩大财富管理产品供应。低成本的自助式投资、更严格的监管审查、技术投资需求以及人才短缺均给既有业务模式带来进一步压力。
环境、社会和治理（ESG）的影响亦日益上升，反映了社会公众和投资者的意识和行动主义不断提高。财富管理公司应与客户期望保持一致一-这不仅需要企业在投资和管理中考虑ESG因素，还要建立以ESG目标为导向的文化。
财富管理机构数字化能力的提升，对其进一步以客户为中心提供服务，扩大市场份额愈发重要。各大财富管理机构热衷于将人工服务、自动化技术和人工智能整合于运营中，拓展个性化服务领域（同时挖掘私人客户关系价值）。
本报告旨在探讨财富管理行业变革的关键信号、潜在的成功业务模式，以及未来几年有助于财富管理机构制胜市场的互联能力。
【报告领取方式见文末】
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/833a28e2b5e54f668e4d9e60fb9ce0d3~tplv-tt-large.image?x-expires=1969317329&x-signature=blPMBQlZowJ%2BzT7HlkC%2Fj4Dg%2FYU%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/984ebe173b5d499894af7d12c43fac47~tplv-tt-large.image?x-expires=1969317329&x-signature=yI1FZMVS%2BaFh8N6psNQ3rTeyVQY%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/ef42c6833e7e4de9858affddda6a4b9a~tplv-tt-large.image?x-expires=1969317329&x-signature=0kSK4gfmGi7dyoKlUTFHEadQ%2Bt0%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/9dea8388fb69408ebf2460f68ab2ae25~tplv-tt-large.image?x-expires=1969317329&x-signature=fpuoma6aibvLdxzltWYQaH%2FZVSE%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/21de40d3af344296b0f47dee1a181de1~tplv-tt-large.image?x-expires=1969317329&x-signature=XHKHjvHYEy2yRij3u0HZfScWz1E%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/39465e7c81624ab78e2cd63d187560ba~tplv-tt-large.image?x-expires=1969317329&x-signature=xX13mTZO86RF78f7Xxwru6Vr3ck%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/bf55d9d862ba4b129d24048086f5c25b~tplv-tt-large.image?x-expires=1969317329&x-signature=uJqKUEl9ctRL9BY%2FIRVrOPujtWw%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/e885bb4b512c4f49bc27d63229e607c9~tplv-tt-large.image?x-expires=1969317329&x-signature=q9CYgmBG0mIQZs2S8Z8ikJkvWe0%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/eb479b6c2cb349cbb60dc52da7a56a3d~tplv-tt-large.image?x-expires=1969317329&x-signature=6unLwnSkvh%2BiAQvXqwtkgIDDkOg%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/fbf39e0677544882aae9c20dd590619b~tplv-tt-large.image?x-expires=1969317329&x-signature=KH8QkTSZTBanhLkuLDjvYBllnjo%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/cab62bcfcdc24167bcd91753035d1bc9~tplv-tt-large.image?x-expires=1969317329&x-signature=TYo5wlB%2BT76ZE7Ib84u%2BTLYabpo%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/1d10ea68afad4bfa9e522d34df0bdfb6~tplv-tt-large.image?x-expires=1969317329&x-signature=iV5%2BmucMltg9N9Zpi2Jp8NuuTxM%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/3ca6758123e34b69a4b96a3772b3d286~tplv-tt-large.image?x-expires=1969317329&x-signature=9A%2FkACkFkvhSum0exto7PvIpRRs%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/09fd12ef7d08401686d729a1e4697b5d~tplv-tt-large.image?x-expires=1969317329&x-signature=JuCnsj%2BhBg7KrC2cAFAB8PetxUg%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/48ae95e6af2e40ea94441dd115d08ec8~tplv-tt-large.image?x-expires=1969317329&x-signature=UqkYtknFcQxt9dQmdgnt9Gn41Yo%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/23f12c2a909a469fab9907856d116768~tplv-tt-large.image?x-expires=1969317329&x-signature=PPSqY4EVxBC5vk7Buz7FClgHKDU%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/6dc6fa157e3444788628638dd12ca957~tplv-tt-large.image?x-expires=1969317329&x-signature=xI7%2FudWBW7cqcDfXtLqn6rzRkbw%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/54f051aacfdb4c4fa2992226c949745a~tplv-tt-large.image?x-expires=1969317329&x-signature=MOjr%2B8zS%2FaChliVFZGWEyKBwP6g%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/f49dac667fc94a19a6f80e2cb22b914f~tplv-tt-large.image?x-expires=1969317329&x-signature=k%2BveiXLAr8jLQEMlNJsHTt3ylXk%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/49fe1cbd083e421381386d869766e16a~tplv-tt-large.image?x-expires=1969317329&x-signature=NdzFngzIMOBtikr95Is74%2BZw3ak%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/5f7879566dda49a18b36b3681846aadb~tplv-tt-large.image?x-expires=1969317329&x-signature=azNzz2mpzKaGFWbzx0CoFdnUq6E%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/a5f13396f97c4e74b33b36dd34f8d721~tplv-tt-large.image?x-expires=1969317329&x-signature=UambLJLeaZMXb70qPHg0kNWBE8U%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/078a874fa9d942779c78a0030b8fee55~tplv-tt-large.image?x-expires=1969317329&x-signature=ur5Gn01U0e2DzXG1LuIk9tfVY9s%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/69bf00eb040e43ebbed81282eefc56fc~tplv-tt-large.image?x-expires=1969317329&x-signature=l5NIpQJa45puLw048rCWYDq2ZMY%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/6680029b62a948359c4c0a46e27b5da8~tplv-tt-large.image?x-expires=1969317329&x-signature=NvpTizG3fwAYJ%2BfyfwYFo%2Fij3Uw%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/f9b92b96d130402b95339f4d99b060c9~tplv-tt-large.image?x-expires=1969317329&x-signature=QQVj7fx%2FjHz9HGjX9hKDPcuglCQ%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/7701a5d4b19f43dfa6a11badfa65e489~tplv-tt-large.image?x-expires=1969317329&x-signature=h2FTOfd8nRMI2yL1tGZdJokD%2FwE%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/38083d0834a04e108c21dc0a62003830~tplv-tt-large.image?x-expires=1969317329&x-signature=9exkyAJm0OB0sDULORLOqm8Nxfc%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/3be9122d97424f8191f8074dc8ef91ce~tplv-tt-large.image?x-expires=1969317329&x-signature=VvBN09nHAbqdId%2BSonU%2FQOfDvMs%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/f9adaabdeb474177971192f44634256d~tplv-tt-large.image?x-expires=1969317329&x-signature=%2FlDsbl%2B2KwcW%2BseJ92kf2F1N3tU%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/7e1579bfdebb4d08b329b01048a1a20e~tplv-tt-large.image?x-expires=1969317329&x-signature=Vce7lzsV3VMTeQXwUJNqxfF%2FrRw%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/b993e7bdf61049e4a3b8218aa7880535~tplv-tt-large.image?x-expires=1969317329&x-signature=Rt39qWZP79c4teU7IFWHDRCwCW8%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/7bace5edd94948839a14425c1e39bf9c~tplv-tt-large.image?x-expires=1969317329&x-signature=u8GrA7Acj0P9oQyZg8NtRyjjU9s%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/cd5918f2b39f4542b86b6dcb73418d82~tplv-tt-large.image?x-expires=1969317329&x-signature=So85z7oBye8GfNvo7y1pFroOdYE%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/a991906889914c8580b01c62430d4e33~tplv-tt-large.image?x-expires=1969317329&x-signature=v5lsEL3tyUM%2BGAdtGqr3z1OcpwI%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/6ba09a9d4dac4890a6e9f8e59c86ded7~tplv-tt-large.image?x-expires=1969317329&x-signature=0RYX1wMS5mT9xfZ%2FrcdSygiQe4M%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/030825c5889b4d3ba9047b0bb89d26d1~tplv-tt-large.image?x-expires=1969317329&x-signature=q6uaWnqi1MiN197J5TBsoJWNuJ8%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/eb3509ed560145888ac1ef3b0744efb6~tplv-tt-large.image?x-expires=1969317329&x-signature=PXs16SnHnHbphi%2FTw3jANumTkJE%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/db5b5124092043ce8966a6faf72f548d~tplv-tt-large.image?x-expires=1969317329&x-signature=Ld90NE5I2DLj2o4E9c%2BezjcdaDc%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/fe543118857b43b288c37940b00662c7~tplv-tt-large.image?x-expires=1969317329&x-signature=4Rszo7zu4vfWqqRYLZdjDojp%2B%2Bk%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/b3e0b21e876e4456b40397aa60f8c73c~tplv-tt-large.image?x-expires=1969317329&x-signature=6isfET4Rla6GDp9EYfYqef59JGY%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/59e52a37f28e41bba0eed479d21af288~tplv-tt-large.image?x-expires=1969317329&x-signature=bhDp9QqxQ3VRhu8NI8GgMh4H6ew%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/2a6bbf231d1b44a2981c3d8043f25a56~tplv-tt-large.image?x-expires=1969317329&x-signature=KUUKDZ%2FpW1ZwPRstVgFTHJBZvNA%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/27a9619cf04e43b392efd98740ad1c37~tplv-tt-large.image?x-expires=1969317329&x-signature=XjVArGX3sSIcDe5uiT93FPWCpTs%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/4c7dc46ea05b41bb93911ed6f48ef978~tplv-tt-large.image?x-expires=1969317329&x-signature=cFBcW2NqiDduiMdVkmeC%2FK5%2BEXM%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/64053de572684a7dbaff2ec38a7b59d0~tplv-tt-large.image?x-expires=1969317329&x-signature=Np5yTwS4HDHU%2FV6APFk1dYy%2B9hM%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/214045a248c6463e9067f6953135394c~tplv-tt-large.image?x-expires=1969317329&x-signature=9sfYCgikVzmoMvfKhFNaqbLm%2B6A%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/7944d8d6c70a477f9fede4e2d2ed3d74~tplv-tt-large.image?x-expires=1969317329&x-signature=VpbSY6DpQkoK01tXMOCcg4iz0Ck%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/8a8d67f0320c41b29e278cf788d8938c~tplv-tt-large.image?x-expires=1969317329&x-signature=819kMYLWntFlW0%2FhUYZyp8bBKfw%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/f7e5e2468a9e4b5db0e74087cf7bd70f~tplv-tt-large.image?x-expires=1969317329&x-signature=65Ki5eIpq1wRi5bzG1TpUx0QQN8%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/c152344217b2441ba741809d0d205104~tplv-tt-large.image?x-expires=1969317329&x-signature=vyJunDWma3X3pBrVGtB89ldE3Co%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/a8b59c3e96594f2fa8f39db12c0beba7~tplv-tt-large.image?x-expires=1969317329&x-signature=N1%2BkMksz9Y0oyo%2BVdNbrSsBXeWA%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/69aa78faa8d848bca174a40634ec3556~tplv-tt-large.image?x-expires=1969317329&x-signature=RCKgWTwbZaQjVpqpMKEmogU%2FI3Q%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/325b66a0a82d47bca0711ef6b3b5c109~tplv-tt-large.image?x-expires=1969317329&x-signature=2Lol%2Bymjrwx0htfGGUv8Df7ItNo%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/9f9be62afb614b8b8ee47f3a0988d095~tplv-tt-large.image?x-expires=1969317329&x-signature=nfYAucBb62Buk6IYgjVuXu45afs%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/7c548da22ad94001a820206c35e8a3a3~tplv-tt-large.image?x-expires=1969317329&x-signature=QcBrbMUIgZvsloA84p%2F8gmyoAE4%3D
https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/07bbbc6d75264a15b1a0f26fdf802dab~tplv-tt-large.image?x-expires=1969317329&x-signature=oaAz6%2BWxukRFk%2Fb5Ick0wiPWvBY%3D
领取方式
该份报告共61页
如需获取完整的电子版内容参考学习
您可以关注+评论+转发
然后私信我：报告
页:
[1]