财富管理为什么是一个重要的话题?从微观层面讲,财富管理的水平决定了我们个人,特别是中老年以后的财务状况。第二,从中观层面来看,财富管理是未来二十年内一个朝气蓬勃的行业。第三,从宏观层面来说,财富管理市场发展的水平可能影响整个金融资源的配置和经济增长。所以,这是一个重要话题。中国是一个高储蓄率的国家,我们改革开放三十年以后,我们储蓄率一直是往上走的,80年代初的时候,大概是百分之三十几,最高的时候涨到2008年储蓄率提高 Why wealth management is an important topic? At the micro level, the level of wealth management determines the financial status of our individuals, especially after middle-aged and elderly. Second, from a middle-level perspective, wealth management is a vibrant industry in the next two decades. Third, at a macro level, the level of wealth management market development may affect the allocation of financial resources and economic growth. So, this is an important topic. China is a country with a high savings rate. After 30 years of reform and opening up, our savings rate has been going up. In the early 1980s, it was about 30%, and the maximum was up to 2008 savings Rate increased