10月24日，《财经》(博客,微博)-宜信财富“中国财富管理系列论坛——改变传统财富管理的创新力量”在上海成功举办。本次论坛由《财经》杂志和宜信卓越财富投资管理（北京）有限公司（下简称“宜信财富”）共同主办，来自学术研究机构资深学者、财富管理机专家和各方专家学者等150余人出席了此次论坛活动。

October 24,,[financial](blog,Micro bo)- appropriate letter wealth"China's wealth management series BBS, change traditional wealth management innovation strength"In Shanghai held successfully.This BBS by[financial]Magazines and appropriate letter remarkable wealth investment management(Beijing)Co., LTD.(Next referred to as"Appropriate letter wealth")Jointly hosted,From academic research institutions senior scholars/Wealth management machine experts and the experts and scholars, etc of more than 150 people attended the BBS activities.

　　出席论坛的主要嘉宾有，交通银行(601328,股吧)首席经济学家连平、上海交通大学上海高级金融学院金融学教授及中国金融研究院副院长严弘、宜信公司创始人及CEO唐宁、宜信财富首席财富管理专家吕骐博士、东亚银行(中国)财富管理部总经理陈柏轩、凯鹏华盈创业投资基金执行董事孙岚、金浦产业投资基金管理有限公司董事总经理范寅、麦肯锡全球副董事方溪源、科尔尼管理咨询公司全球合伙人及大中华区总裁庄瑞豪、湘财证券副总裁及首席经济学家李康等。大家共同探讨科技创新与财富管理的互动与融合，分享国内外投资者教育与人才培养的最佳实践案例，以探求财富管理行业的创新和转型路径。

Attend the BBS of the main guests have,Bank of communications(601328,guba)Chief economist even flat/Shanghai jiaotong university Shanghai senior financial college finance professor and vice President of the China financial institute YanHong/Appropriate letter company founder and CEO downing/Appropriate letter wealth chief wealth management experts LvQi doctor/Bank of east Asia(China)Wealth management department general manager ChenBaiXuan/KaiPengHua surplus venture capital fund executive director SunLan/Kingburg industry investment fund management co., LTD. FanYin managing director/The McKinsey global vice director FangXi source/Kearney management consulting company global partner and the greater China region President ZhuangRuiHao/XiangCai securities vice President and chief economist kang li, etc.We discuss the technical innovation and the wealth management interaction and integration,Share both domestic and overseas investors education and talents cultivation of best practice case,In order to seek wealth management industry innovation and transformation path.

　　本次论坛是继“大众富裕阶层财富管理的挑战与机遇”为主题的《财经》-宜信财富“中国财富管理系列论坛”8月28日北京首发之后第二站。

This BBS is the"Mass affluent class wealth management challenges and opportunities"As the theme of the[financial]- appropriate letter wealth"China's wealth management series BBS"On August 28, Beijing after starting the second station.

　　交通银行首席经济学家连平

Bank of communications chief economist even flat

　　财富管理与经济运行密不可分

Wealth management and economic operation are inseparable

　　中国目前的财富总量不是世界上最大的，但成长空间却是世界最大的。财富的增长离不开经济的运行，通过研究发现，明年总体经济运行总的来说比今年有所好转。理由有三：一、三大需求。二、库存变化。三、金融支持。

China's current total wealth is not the world's largest,But the growth space is the world's largest.The growth in wealth from the operation of the economy,Through the study found that,The overall economic operation next year than this year in general better.Reason have three:a/Three big demand.two/Inventory changes.three/Financial support.

　　三大需求方面，美国经济在今年第四季度有明显复苏，出口趋势转好；下半年投资开始向上，明年投资还会保持较快增长；收入增长对于消费增长带来比较稳定持续的拉动。

Three big demand,The U.S. economy in the fourth quarter of this year have obvious recovery,Export trend turned for the better;In the second half of the investment start up,Investment next year will also maintained a fast growth;Income growth in consumption growth brings more stable constant pull.

　　库存方面，库存指数开始上升，可以从库存的角度拉动总需求，三大需求进一步扩张加上这个因素的影响，总需求的扩张会更快一些。

Inventory aspects,Stock index began to rise,From the point of view of inventory can pull aggregate demand,Three big demand further expansion and the influence of the factors,The expansion of aggregate demand will be quicker.

　　金融支持上，今年改变了前两年持续下降的态势，出现了增长，因此毫无疑问明年经济增长超过今年，如果今年是7.8%，明年8%以上的可能性是比较大的。

Financial support on,This year has changed before two years continued to decline the situation,Appeared growth,So there is no doubt that economic growth next year than this year,If this year is 7.8%,Next year more than 8% of the possibility is bigger.

　　资本流动和汇率方面，我个人观察，当西方经济稳定，增速向好，资本流向发展中国家，中国压力更大。

Capital flow and the exchange rate,I personally observed,When the western economic stability,Undermined by the growth,Capital flows to developing countries,Chinese much more pressure.

　　同时，利率继续下降的可能性越来越小，未来平稳甚至于往上的可能性增加。

At the same time,Interest rates continue down the possibility of more and more small,The future smooth even upgrade is more likely.

　　从准备金来看，目前进一步下调的必要性是越来越小了，可能性也是越来越小了，明年存款准备金利率下调的空间不大。

From the reserve to see,At present the necessity of further cut is more and more small,Possibility is also more and more small,Next year the deposit reserve rate cut of the space is not large.

　　宜信公司创始人及CEO唐宁

Appropriate letter company founder and CEO downing

　　改变传统财富管理的创新力量

Change traditional wealth management innovation strength

　　今天我们讨论改变传统财富管理的创新力量，我们理解这种创新力量有两个：一个是最近温度很高的高科技、互联网、移动终端和财富管理的结合；另外一个是先进、科学、正确的财富管理理念来到中国，使我们财富管理行业的理念和模式从以产品驱动的销售型向以客户的需求为中心的资产配置、风险收益配比的服务型改变。这两种创新的力量交织在一起，彼此影响，共同促进中国财富管理行业的提升。

Today we talk about changing the traditional wealth management innovation strength,We understand the innovation power has two:A is the latest high-tech temperature is very high/The Internet/Mobile terminal and the combination of wealth management;Another is advanced/science/The correct wealth management concept to China,Make our wealth management industry's concept and mode from products to drive sales type to take the customer demand as the center of the asset allocation/The ratio of risk and return service change.These two kinds of innovation strength mixed together,Influence each other,Promote Chinese wealth management industry ascension.

　　以客户为中心，提供全方位的资产配置、财务规划服务

Take the customer as the center,Provide a comprehensive range of asset allocation/Financial planning services

　　财富管理下一阶段的提升，是通过高科技，以客户的需求为中心，提供资产配置、财务规划服务。财富管理在中国非常新，而在美国大众富裕阶层，几乎每个家庭都有财富管理方面的顾问。客户不懂专业，需要在财务规划上有帮助，每年大家都需要做财务健康体检。财富管理机构应该定期为客户做体检，实时了解客户经济上的变化，包括突发事件，实时提供解决方案。这样的服务在中国发展的时机，现在正在到来。

Wealth management the next phase of ascension,Is through the high-tech,Take the customer demand as the center,Provide asset allocation/Financial planning services.Wealth management in China is new,And in the American public rich class,Almost every family has wealth management consultant.Customers don't understand professional,Need to be in financial planning has help,Every year everyone need to do financial health physical examination.Wealth management mechanism should be periodically for customers to do physical examination,Real-time customer economic change,Including emergency,Real-time to provide solutions.Such service in China's development opportunity,Are now coming.

　　而上述的这一切在现在和互联网、新技术是分不开的，所以互联网金融，高科技和金融相结合，使得以客户为中心的财富管理变得愈加重要。

And the above all this in the present and the Internet/New technology is not divided,So the Internet financial,High-tech and financial combination,Make take the customer as the center of the wealth management becomes more and more important.

　　互联网金融使得金融变得更加个性化和平民化

The Internet financial makes financial become more personalized and common people

　　高科技和金融相结合使得金融变得更加平民化、个性化，更体现每个投资人的价值观。过去的金融服务，门槛是比较高的，而高科技、互联网、移动终端降低了这个门槛。举个例子：在美国、欧洲的大众富裕阶层，他们的家庭支出理财包有一项重要的组成部分叫做公益理财，而在中国做公益的门槛是很高的，通常都是大机构、政府做的事情。在中国通过互联网、P2P的模式，就可以使得理财者、出借人自行选择想要帮助的个人，城市的老百姓可以帮助农村的老百姓，你还可以参加线下的活动看你在互联网上支持的人到底是谁，他的项目运转的如何。所以互联网金融使得金融、投资、理财更加人性化，更加彰显投资者的价值观。而且这样的模式还可以教小孩子如何理财，可以教小孩子体察民间疾苦。

High-tech and financial combination makes financial become more common people/personalized,More reflect every investor values.The past financial services,The threshold is relatively high,And high-tech/The Internet/Mobile terminal to reduce the threshold.For example:In the United States/Europe's mass affluent class,Their family expenses financial package there is an important part of public finance is called,While in China to do the public welfare the threshold is very high,Is usually large organizations/The government do.In China through the Internet/P2P model,You can make financial person/Lender choose want to help individual,City people can help the rural people,You can also participate in the activities of the line to see you on the Internet support exactly is who,His project of operation.So the Internet financial makes financial/investment/Finance more humanized,More reveal the values of investors.And such model can also teach children how to finance,Can teach children experiencing folk sufferings.

　　互联网金融与投资者教育和行业人才培养

The Internet finance and investor education and professional talent training

　　互联网金融为投资者教育和行业人才培养带来了一个得天独厚的机遇。中国广大的理财者将看到，先进科学正确的财富管理理念不仅仅可以通过线下的方式获取。宜信财富在全国40多个城市拥有上千名理财规划师，我们会举行财富大讲堂的活动，为客户启迪财富知识，同时我们也会把资讯、各种各样的市场信息，通过互联网，通过无线的方式传递给投资者。

The Internet financial for investors education and professional talent training brought a unique opportunity.China's vast financial person will see,Advanced science correct wealth management idea not only can through the line method is used to obtain.Appropriate letter in the national wealth more than 40 cities have thousands of financial planners,We'll have a wealth lecture hall activities,Enlightenment for the customer knowledge wealth,At the same time we will also put the information/All kinds of market information,Through the Internet,Through the wireless transmission way to investors.

　　行业人才培养上，很多新兴的进入这个领域的人才过去对于财富管理不是很了解，中国对于这样的人才有大规模的需求，如何使得他们可以很快的入行，提高自己的水平，也可以通过互联网和移动终端的创新方式。

Industry on talent cultivation,Many emerging into the field of talent in the past for wealth management is not very understanding,China for such talents have large demand,How to make they can quickly into the line,To improve their level,Can also through the Internet and mobile terminal of the innovative ways.

　　上海交通大学高级金融学院金融教授、中国企业研究院副院长严弘

Shanghai jiaotong university senior financial college financial professor/Chinese enterprises, vice President of the institute YanHong

　　金融业从本质来说是一个服务行业

The financial industry is essentially a service industry

　　金融业从本质来说是一个服务行业，为实体经济的发展服务。但是，中国金融行业的发展也很难完全照搬欧美发达国家的做法。

The financial industry is essentially a service industry,For the real economy development service.but,The development of China's financial industry is difficult to completely copy Europe and the practice of developed countries.

　　中国的经济过去30年的发展造就了一批殷实人家，对于这些人来说，如何使他们的资产获得保值增值是资产管理行业的机会，是一个不小的挑战。

China's economy in the past 30 years of development has created a number of rich people,For these people,How to make their assets get is the value of the assets management industry of chance,Is a daunting challenge.

　　这些挑战来自于几个方面，一个是理念的挑战，二是产品的挑战，三是职业精神上的挑战。这三种挑战需要政策的支持和产品的创新，很多金融产品的推出没有政策支持是做不了的，金融产品的创新设计也需要专业的理念。

These challenges from several aspects,One is the idea of challenge,The second is the challenge of products,Three are professional mental challenge.These three challenges need the support of the policy and innovation of the products,A lot of financial product launch no policy support is undoable,Financial product innovation design also need professional concept.

　　专业从业人员队伍是财富管理行业的关键所在，培养一大批具有专业知识的理财规划师、专业投资人才是对于我们整个金融市场提升有很大的推动作用。

Professional team of employees is the key to wealth management industry,Training a large number of professional knowledge financial planners/Professional investors is for us the whole financial market has a great role in ascension.

　　金融服务业的专业人士的确需要有对经济学的基本认知，因为金融学是经济学的一个分支。同时，金融服务业的专业人士必须对于金融市场有一个深入的利用，并能够理解客户需求和提供专业建议。

Financial services professionals do need to have the basic knowledge of economics,Because finance is a branch of economics.At the same time,Financial services professionals must for financial markets have a further use,And be able to understand customer needs and provide professional advice.

　　互动论坛一：科技创新与财富管理的互动与融合

Interaction BBS a:Science and technology innovation and wealth management interaction and integration

　　东亚银行(中国)财富管理部总经理陈柏轩：对于财富管理来说，不但是资产配置，资产配置只是你对人生不同周期接受怎样的风险去配置不同的部分。另外就是财务的规划，通过不同资产配置的组合和不同的风险做出来一个效果。

Bank of east Asia(China)Wealth management department general manager ChenBaiXuan:For wealth management speaking,Don't but asset allocation,Asset allocation is your life to different cycle to accept the risk of how to configuration of different part.The other is the financial planning,Through the different combination of asset allocation and different risk make to a effect.

　　麦肯锡全球副董事方溪源：我认为用科技创新推动未来十年的财富管理的发展应该是大有希望的。麦肯锡认为未来十年当中，在中国得财富管理者得天下。

The McKinsey global vice director FangXi source:I think in scientific and technological innovation to promote the next ten years of wealth management development should be promising.McKinsey think the next ten years,Wealth managers in China to the world.

　　湘财证券副总裁、首席经济学家李康：财富管理在中国未来十年的发展，一是需要高科技手段作为支撑，二是财富管理要打破管制。三是改变理念，中国人打理金融不喜欢把钱交给人家，这需要转变。

XiangCai securities vice President/Kang li, chief economist:Wealth management in China's future ten years of development,One is the need of hi-tech means as support,The second is wealth management to break control.Three is to change concept,The Chinese do financial don't like to leave money to somebody else,We need to change the.

　　宜信公司创始人及CEO唐宁：在中国从事金融创新本着的大原则是"合法合规，利国利民"，在这样的大前提之下能够有非常好的普惠金融和财富管理方面的突破。

Appropriate letter company founder and CEO downing:In China engaged in financial innovation in line with the general principle is"Legal compliance,Benefits the country and the",Under such a major premise in can have very good pratt &whitney finance and wealth management breakthrough.

　　互动论坛二：国内外投资者教育与行业人才培养的最佳实践

Interaction BBS two:Both domestic and overseas investors education and talent cultivation industry best practice

　　科尔尼管理咨询公司全球合伙人、大中华区总裁庄瑞豪：客户要教育，30%的回报率是07年以前的事儿，07、08年的风暴以后，大家对于预期的回报率已经逐渐趋向于合理化。

Kearney management consulting company global partners/The greater China region President ZhuangRuiHao:Customers will education,30% of the rate of return is 07 years ago thing,07/08 after the storm,Everybody for the expected rate of return has gradually tend to be rationalization.

　　凯鹏华盈创业投资基金执行董事孙岚：从目前整个市场有可支配财富的增长速度来看，其实10-50万美金阶段的人才增长速度超过其他人群的增长。

KaiPengHua surplus venture capital fund executive director SunLan:From the current market has the disposable wealth growth speed to see,Actually 10-500000 dollars phase of the talent is growing at a faster rate than the rest of the population growth.

　　金浦产业投资基金管理有限公司董事总经理范寅：我觉得财富管理首先就是信任，他把钱交给你，首先觉得他相信你。风险排第二，收益排第三。

Kingburg industry investment fund management co., LTD. FanYin managing director:I think wealth management first is to trust,He gave the money to you,First think he believe you.Second risk,Income third.

　　宜信财富首席财富管理学家吕骐：在中国金融市场里面，我们还是缺乏一些具有战略眼光，有熟悉国际金融市场，并且又具有风险控制能力的高层次金融人才。企业要有更远的眼光，在内部有培养机制，通过内部的机制培养人才。

Appropriate letter wealth chief wealth management experts LvQi:In financial market in China,We still lack of some strategic vision,Are familiar with international financial market,And also has the risk control ability of the high-level financial talented person.Enterprise should have further eye,In the cultivation mechanism,Through the internal mechanism of talents training.