香港长达20多年高速增长的“经济奇迹”改善了民生,收入盈余衍生了理财的需要。虽然其间曾出现过多次的危机,但每次危机都让香港的金融体制更完善,让市民的财商更进步,心态更为淡定。相比之下,上海家庭财富聚集虽同样起步于市场经济的发展,但自全民从股市掘得第一桶金之后,加之近十年的楼市大行情,养成了长盛不衰的“暴发思维”。当前,市民的分散投资是被楼市管制政策逼出来的,并非自愿自觉。 Hong Kong’s “economic miracle” of over 20 years of rapid growth has improved people’s livelihood and the income surpluses have created the need for financial management. Although there have been many crises in the meantime, each crisis has made Hong Kong’s financial system more perfect so that the people’s financial and business enterprises will be further improved and their mentality will be more calm. In contrast, Shanghai family wealth accumulation, though also started in the development of market economy, but since the people dig the pot of gold from the stock market, coupled with the past 10 years the property market big market, to develop a long-standing “ Outbreak of thinking ”. At present, the public’s diversified investments are forced out of the property market control policies and are not voluntarily conscientious.