来自江浙的客户开始认可10%左右的固定收益类产品了。这在过去是无法想象的。这种意识转变的背后，是中国财富管理萌芽的兴起，以及投资理念的日益成熟。

Jiangsu from the customer out by 10% of the fixed income products.It is possible to imagine in the past.This kind of consciousness behind change,Is the rise of China's wealth management bud,Investment philosophy and the increasingly mature.

　　2010年以来，随着股市、楼市双双回调，越来越多的资金开始涌向金融领域，中国的财富管理行业的萌芽也就此破土。

Since 2010,With the stock market/The property market both callback,More and more capital began to flock to the financial sector,China's wealth management industry in bud break ground.

　　宜信财富华东区总监尚筱近日表示，中国的财富管理市场，还是属于不太成熟的市场，目前绝大多数理财机构都是靠代销产品，向客户推销产品来作为自己的主要方向。而未来成熟的财富管理机构还是会以服务为中心，以客户需求为中心。

Appropriate letter wealth east China area director ShangXiao said recently,China's wealth management market,Still belongs to not too mature market,At present most of the financial institutions is to rely on consignment products,To promote their products as the main direction of yourself.But the future mature wealth management agency will service center,Taking the customer requirements as the center.

　　尚筱表示，江浙市场非常具有代表性，因为江浙地区的老百姓理财意识强，他们会主动寻找一些非银行存款类的理财品种，愿意去尝试一些新的领域和新的理财产品，接受新的理财观念。

ShangXiao said,Jiangsu market is very typical,Because the jiangsu and zhejiang provinces area the people a strong sense of finance,They will actively seek some non-bank deposit financial varieties,Would like to try some new areas and new financial products,Accept new financial management concepts.

　　“最近这一年，有一个比较明显的变化，明显感觉到我们的客户逐渐在收缩他们对外的一些理财，变得相对保守和谨慎了。”尚筱认为，前几年在浙江，一提做固定收益类的理财，大家都不太认可。因为当时浙江人认为去炒股票、买房子都是很快就能翻几倍的。固定收益类这种年化率百分之几的产品，大家觉得收益太低了。但是现在，以温州为例，很多客户开始觉得百分之十的收益率比较安全。而“月息三分”的机会不能碰，因为这肯定是风险很高的。

"The last one year,There is a significant change,Obviously feel that our customers are in the contraction they some foreign financing,Become relatively conservative and cautious about."ShangXiao think,A few years ago in zhejiang,Mention do fixed income kind of financial management,Everyone don't approved.Because at that time zhejiang people think to fry stock/Buy a house is will soon turn a few times.Fixed income class the annualised rate percentage of the product,You think income is too low.But now,In wenzhou as an example,Many clients began to feel ten percent rate of return to compare safety.and"Monthly interest three points"Chance can't touch,Because it is high risk.

　　“他们自己通过投资的教训逐渐回归理性，逐渐建立这种投资收益和风险之间的价值平衡。”尚筱说。

"Their own through the investment teaching gradually return to rational,Gradually establish the investment income and risk value between the balance."ShangXiao said.