中国富人越来越喜欢借钱_英语学习_工资理财

管理咨询公司麦肯锡(McKinsey)8月30日发布的工资理财一项调查报告显示,中国近三分之一的富人打算贷款。调查还发现,多数富人正寻求适当的理财建议,但可能并未获得。


麦肯锡表示,在接受调查的中国内地富人中,有31%的人目前对贷款有兴趣,这一比例较2004年的19%有着“令人惊讶”的上升。麦肯锡上一次进行亚洲个人理财调查是在2004年。


在投资和财务规划方面,目前53%的中国富人愿意为理财建议付费,而在2004年这一比例为40%。亚洲的平均水平是31%。


麦肯锡对富人的定义是年收入超过5万美元的人群,目前据估计中国这一人群多达200万人,而且还在以每年15%左右的速度增长。与此同时,在中国,银行愿意接受的家庭总数约为1.3亿户,相当于中国城镇人口的70%。


调查报告的作者之一肯尼•林(Kenny Lam)表示,中国富人中的借贷需求大幅上升,这尤其令人感到惊讶,因为这与人们有关中国人羞于举债的普遍看法相左,也与中国总体贷款需求大体持平的现状存在反差。中国的贷款需求已从2004年的19%攀升至21%。


肯尼•林表示:“不要认为中国有一种不借钱的文化,因为这里显然有部分人需要贷款。一般来微信日赚千元说,在中国,人们或许会将举债视为境况不佳的一个迹象,但目前富人愿意借钱,不仅是为了工资理财购买房产,而且还用于投资和教育等其它用途。”


谈到人们为理财建议付费的意愿不断上升这一点,肯尼•林表示,这一趋势表明“市场的确需要真正的财务规划服务”。

Almost a third of affluent Chinese are looking to borrow, according to a survey released on the 30th Aug by McKinsey, which also found that most affluent Chinese are seeking, but probably not getting, adequate financial advice.


The management consultancy said that 31 per cent of affluent people surveyed in mainland China were now interested in borrowing, a “surprising” jump from 19 per cent in 2004, when it last carried out its Asian personal finance survey.


In terms of investment and financial planning, 53 per cent of affluent Chinese are now willing to pay for financial advice, compared with 40 per cent in 2004 and an Asian average of 31 per cent.


McKinsey defines affluent as people on an annual salary of more than $50,000, a segment that is now estimated to cover as many as 2m Chinese but growing at an annual rate of about 15 per cent. Meanwhile, China’s overall bankable population is about 130m households, equivalent to 70 per cent of the country’s urban population.


Kenny Lam, co-author of the survey, said the leap in borrowing demand among affluent Chinese was particularly surprising because it was at odds with the common perception that Chinese shied away from borrowing, and also contrasted with the almost flat overall demand for borrowing in China, which has climbed to 21 per cent from 19 per cent in 2004.


Mr Lam said: “Don’t write off China as a culture that doesn’t borrow because there is clearly a segment that needs borrowing. Borrowing might generally be seen as a sign of weakness in China, but the affluent are now willing to do it, not just to buy a house but also to make investments and for other things such as education.”

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