2022年6月14日，巴黎——凯捷（Capgemini）发布《2022年世界财富报告》探讨高净值人群的发展趋势和产生的影响。报告显示，由于经济复苏受到股市提振，2021年全球高净值人群（HNWI）人数总体增长7.8%，财富增长8%。
北美继续保持增长轨迹，高净值人群的人数和财富增幅最高，分别为 13.2% 和 13.8%。从整体增长率的角度来看，亚太地区2021年的高净值人群增长（4.2%）和财富增长（5.4%）乏善可陈，这个在过去十年中主导高净值人群增长的地区落到了第三位。
Paris, June 14, 2022 – Capgemini’s World Wealth Report (WWR), published today, reveals the global High Net Worth Individual (HNWI) population grew 7.8% and their wealth grew 8% in 2021 owing to recovering economies being boosted by the stock market. North America continued along its growth trajectory, boasting the highest increase in HNWI population and wealth, 13.2% and 13.8% respectively. From an overall growth rate standpoint, APAC’s lackluster 2021 HNWI growth in population (4.2%) and wealth (5.4%) put the region, which had dominated HNWI growth over the last decade, into third place. Capgemini’s 2022 World Wealth Report examines global wealth movements in the past year, exploring trends and influences on the HWNI population.
按市场划分，2021年高净值人群数量的前四位分别由美国、日本、德国和中国保留，占全球高净值人群63.6%，总体较2020年增长0.7%。超高净值人群（资产在3000万美元以上）以9.6%人数增长率及8.1%财富增长率引领全球财富增长。而邻家百万富翁（资产在100-500万美元之间）人数（7.7%）和财富（7.8%）增长最慢。而中层百万富翁（资产在500-3000万美元之间）的人数和财富增加到8.5%和8.4%。报告还指出，由于投资者信息获取的改善和资产类别的民主化，不同财富区间的增长差距正在缩小，表明竞争环境更加公平。
In 2021, the top-four positions in HNWI population by market were retained by the United States, Japan, Germany, and China respectively, comprising 63.6% of the global HNWI population, an increase of 0.7% from 2020. Ultra-HNWIs ($30m>) led global wealth and population growth, at the rates of 9.6% and 8.1%. While the Millionaires Next Door ($1-5m) population (7.7%) and wealth (7.8%) grew the slowest, witnessing an acceleration in population and wealth growth rates. Conversely, the Mid-Tier Millionaire ($5-30m) population and wealth increased to 8.5% and 8.4%. The report also indicates that the growth gap across wealth bands is shrinking, indicating a more level playing field, due to improved information access for investors and democratization of asset classes.
为了抓住新兴客户群，公司必须重新考虑他们的参与战略
To capture emerging client segments, firms must rethink their engagement strategies
高净值人群的人口结构一直在不断演变，越来越多的女性、LGBTQ+人士、千禧一代和Z世代现在寻求财富管理服务。这些新兴客户群体都有自己的价值观、偏好和要求，而许多财富管理公司目前没有能力提供这些服务，导致许多这些高净值人群转向适应性更强的竞争对手或小型家族理财办公室。比如说：
- 在未来两代人中，所有财富阶层的女性都将继承全球70%的财富。他们正在寻找不仅提供费用透明度和数据安全性的公司，而且还提供有关如何增加这种财富的教育。
- 39%的千禧一代高净值人群在过去一年中由于服务缺乏透明度而更换供应商。鉴于对更多数字互动、财富教育和便利性的需求，他们频繁寻求新的财富管理公司。
- 科技繁荣和风险投资致使独角兽企业激增，从而创造了独特的科技财富高净值人群，这个规模庞大的大众富裕阶层为财富管理公司提供了巨大的潜力，然而只有27%的公司表示他们积极追求这些前景。
The demographic of HNWIs has continued to evolve, with increasingly more women, LGBTQ+ individuals, millennials and Gen Z’s now seeking wealth management services. These emerging client segments each have their own values, preferences, and requirements which many wealth management firms are currently unequipped to provide for, resulting in many of these HNWIs pivoting to more adaptive competitors or smaller family offices. For example:
- Women across all wealth brackets are set to inherit 70% of global wealth over the next two generations. They are seeking firms that not only provide fee transparency and data security, but also education in how to grow this wealth.
- Similarly, 39% of millennial HNWIs had switched providers in the past year due to a lack of transparency. They are frequently seeking new wealth managers as they demand greater digital interaction, education and convenience.
- The tech boom and surge in VC-backed unicorns has created a unique group of tech-wealth HNWIs, and this sizeable mass-affluent segment offers huge potential for wealth management firms, however only 27% of firms say they actively pursue these prospects.
新一波高净值人群拥有独特的客户需求，这要求财富管理公司调整其业务战略。报告指出，为解锁这个基本未开发的客户群，财富管理公司必须专注于提供更大的便利、个性化的体验，并通过生态系统合作、全面的数字解决方案和雇用新人才时的更大多样性等方法建立信任。
The new wave of HNWIs possesses unique client needs which require wealth managers to adjust their business strategies. To unlock this largely untapped client segment, cites the report, wealth management firms must focus on providing greater convenience, personalized experiences and building trust through approaches such as ecosystem collaboration, comprehensive digital solutions, and greater diversity when hiring new talent.
财富管理公司必须采用数据驱动的能力
Wealth management firms must embrace data-driven capabilities
财富管理部门正经历着投资选择的多样化，从可持续投资（SI）到数字资产的日益盛行。随着ESG的必要性不断增强，财富管理公司必须努力为高净值人群提供教育支持和广泛的产品选择，这是他们战略的关键支柱。报告发现，全球范围内，55%的高净值人群表示，投资具有积极ESG影响的事业至关重要，64%的高净值人群要求提供ESG评分，以了解基金的社会影响。然而，40%的财富管理人认为展示ESG影响具有挑战性。
The wealth management sector is undergoing a diversification of investment options, from Sustainable Investing (SI) to the growing prevalence of digital assets. As the ESG imperative continues to grow, wealth management firms must strive to make educational support and expansive product selection for HNWIs, key pillars of their strategies. The report found that globally, 55% of HNWIs have stated that investing in causes with a positive ESG impact is critical, with 64% of HNWIs asking for ESG scores to learn about a fund’s societal impact. However, 40% of wealth managers find it challenging to showcase an ESG impact.
创建首席客户官（CCO）角色
Create Chief Customer Officer roles to deliver a superior experience
越来越多的财富管理公司建立了首席客户官（CCO）角色，旨在培养和客户间的亲和力，并将客户置于财富管理过程的核心。这个角色的重点是协调整个组织的数据和数字效益，以满足不断变化和复杂的客户需求并提升客户忠诚度。
An increasing number of wealth management firms have been establishing a new Chief Customer Officer (CCO) role, aimed at nurturing client intimacy, and putting them at the heart of the wealth management process. The role focuses on orchestrating both data and digital benefits across the organization to meet evolving and complex client demands and drive loyalty.
报告发现，通过优先考虑自动化和数据驱动的洞察力，财富管理机构可以提供超个性化的客户体验，以满足新时代客户的期望。它指出，CCO 将在建立包容性客户生态系统方面发挥不可或缺的作用，同时通过可操作的数据分析提高其顾问能力。在此过程中，公司可以努力采用一站式方式来方便地满足所有客户需求，从而适应独特的生活方式和偏好，最终推动业务增长。
The report finds that by prioritizing automation and data-driven insights, wealth managers can provide hyper-personalized customer experiences to meet the expectations of new-age customers. It cites that the CCOs will play an integral role in building an inclusive client ecosystem while also enhancing their advisor capabilities through actionable data analysis. In doing so, firms can work towards adopting a one-stop-shop approach to meet all customer needs conveniently, which accommodate for unique lifestyle and preferences, ultimately driving business growth.
研究方法
《2022年世界财富报告》涵盖71个市场，占全球国民总收入的98%以上和世界股票市值的99%。凯捷2022年全球高净值人群洞察力调查在北美、拉美、欧洲和亚太地区的24个主要财富市场展开，共调研了2973名高净值人群。在10个市场对70多位财富管理高管进行了采访和调查，其中有来自纯财富管理公司、全能银行、独立经纪人/交易商公司和家族财富办公室的代表，并就全新的科技-财富领域、市场趋势、CMO角色和未来战略等问题询问了财富管理高管。2022年财富管理师调查涵盖了七个市场的350多份答复，询问了财富管理师对公司财富管理战略重点的看法，以及他们对财富管理公司提供支持的满意度。
Report Methodology
The World Wealth Report 2022 covers 71 markets, accounting for more than 98% of global gross national income and 99% of world stock market capitalization. The Capgemini 2022 Global HNW Insights Survey queried 2,973 HNWIs across 24 major wealth markets in North America, Latin America, Europe, and the Asia-Pacific region. Interviews and surveys of more than 70 Wealth Management Executives were conducted across 10 markets, with representation from pure wealth management firms, universal banks, independent broker/dealer firms, and family offices, and queried Wealth Management Executives on the new Tech-Wealth segment, market trends, the role of the CMO, and future strategies. The 2022 Wealth Manager Survey covers more than 350 responses across seven markets and queried wealth managers on their views on the firm’s wealth management strategy priorities, their satisfaction with the support provided by their wealth management firm.
关于凯捷
凯捷(Capgemini)是全球领先的企业合作伙伴，利用技术的力量改造和管理企业业务。其宗旨是通过技术释放人类能量，创造一个包容和可持续的未来。凯捷是一个负责任的多元化组织，在近50个国家拥有超过34万名团队成员。凭借其50余年的悠久历史和深厚的行业专业知识，在快速发展的云、数据、人工智能、互联连接、软件、数字工程和平台的创新世界推动下，凯捷深受客户信任，能够满足客户从战略、设计到运营的全方位业务需求。集团2021年全球收入为180亿欧元。
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