李静瑕

Li jing defect

　　在中国经济转型的背景下，财富管理市场的崛起，正在受到各类机构的关注，财富管理未来的发展路径也越来越受到监管层的重视。

Under the background of economic transformation in China,The rise of wealth management market,Is attracting the attention of all kinds of institutions,Wealth management in the future development path is becoming more and more attention of the regulators.

　　昨日，在“中国财富管理50人论坛首届年会”上，央行副行长潘功胜表示，金融赋予居民财富的保值增值同等重要。同时，随着财富管理的发展，需要加快制度建设，健全金融监管，防范金融风险。

yesterday,In the"The first annual conference of China wealth management BBS 50 people"On the,Pan gongsheng, deputy governor of China's central bank said,Financial wealth gives residents of the value are equally important.At the same time,With the development of wealth management,Need to speed up the system construction,Improve the financial supervision and regulation,To guard against financial risks.

　　中国经济的快速增长，也催生了居民财富的增加，财富管理的需求也越来越大。十八大报告提出，确保在2020年实现全面建成小康社会的宏伟目标，有几个量化的指标，其中之一是实现国内生产总值和人均收入2020年翻一番。

China's rapid economic growth,Residents also led to increased wealth,Wealth management requirements also more and more big.The eighteenth big report,To ensure that in 2020, realize the grand target of build a well-off society in an all-round way,There are a number of quantitative indicators,One of which is to realize the gross domestic product and per capita income doubled in 2020.

　　“经济的快速增长和财富大量积累阶段，不仅是金融问题，更是重大的经济社会问题。从国家经济转型和社会发展方面来推动这一问题，金融赋予居民财富的保值增值同等重要。”潘功胜表示。

"The rapid economic growth and wealth accumulation stage,Is not only a financial problem,More of a major economic and social problems.From the country's economic transformation and social development to promote this issue,Financial wealth gives residents of the value are equally important."Pan gongsheng said.

　　面对财富管理需求的多元化，潘功胜称，财富管理发展有一些不足。例如，我国金融资产收益性比较低，虽然安全性较好，但收益有限，一定程度上影响了财产性收益增长，使得财富性收入比可支配收入低。

Facing the diversified demand for wealth management,Pan gongsheng said,Wealth management development has some defects.Such as the,Financial assets profitability is low in our country,Although security is better,But earnings co., LTD.,To some extent, affected the property income growth,Makes the wealth sex income is lower than disposable income.

　　此外，在多元化的过程当中，民众投资选择范围较小，无法根据市场收益水平、风险偏好、投资偏好来选择多种投资工具，难以通过多元化的投资分散风险，也较难获得稳定的投资回报。

In addition,In the process of diversification,Public investment choice scope is smaller,Not according to the market profit levels/Risk appetite/Investment preference to select a variety of tools,Is difficult to through diversification of investment diversification,Also difficult to secure a stable return on investment.