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加中金融

我认为中国的保险、财富管理行业，仍然有相当可观的独 I think China’s insurance and wealth management industry still has
特性。前些年经济一路下行，大家都喊困难，但我接触到 considerable room of development. Despite the economic
的保险业、财富管理行业，不是困难，而是有了很好的发 difficulties, the insurance industry and wealth management industry
育、扩展机遇，是高歌猛进，若干年内每年的营业额增长 still show development and expansion. Both annual revenue and the
profit growth rates in the past several years are between 30% and
幅度都是 30%，甚至达到 40%。特别值得看重的是，利润 40%. This clearly demonstrates the strong demands from the
增长幅度也是 30%上下，好的也有 40%。这说明市场主体
growing middle class in insurance and the wealth management
和社会成员，不断壮大的中产阶层，先富起来的社会中的 products. Therefore, both life insurance and wealth management
成功者，他们的金融意识在继续上升，而且他们的避险观 industry have enjoyed good days in the recent years. Under the
念伴随金融意识，在要求有更多由保险、财富管理行业给 impact of the pandemic, studies have shown that these good days
他们提供满意的金融产品。所以保险与财富管理行业的日 will continue for both industries.
子近年是好日子，在疫情冲击之下，已经有调研表明，这
Of course, after further expanding financial liberalization and
个好日子还会延续，社会中强劲的需求仍然会使金融行业 lowering access of entry, preparations should be made for Chinese
中的这一块，继续比别的部分看起来日子更好过一些。当 financial industry to embrace competition from foreign insurance
然，进一步扩大金融开放、降低准入以后，大家要准备面 and wealth management companies, which will bring in more
对从外部来的、以更成熟的经验支撑的保险和财富管理外 mature global experiences to enter China’s financial markets.
资公司进入中国的竞争。

CCFA JOURNAL OF FINANCE AUGUST 2020 Page 46 第46页