中国富裕人士平均拥有3.3套房产;中国富裕人士平均拥有3.3套房产, 时间:2011-12-06 ,来源: 北京晨报
12月6日，中德安联保险公司通过对银行、保险等中高端客户调查显示，中国富裕人群的家庭平均流动资产,在RMB169万元左右，每个人平均拥有1.8个银行VIP账户,和3.3套房产，相对于三年前，更多的人,给予了“资产安全性”更高的关注，总资产中，房产的价值,占比高达60%,至80%。
China has 3.3 sets off the average property; China HNWI average of 3.3 sets of real time :2011 -12-06, Source: Beijing Morning Post, December 6, Allianz Insurance Company through the banking, insurance and other high end customer survey, the average Chinese family rich people liquidity in the RMB169 million, an average of 1.8 per person VIP bank accounts, real estate and 3.3 units, compared to three years ago, more people, given the “asset security “more concerned about the total assets, the value of property, accounting for up to 60% to 80%.
Low-risk financial products popular
Survey, compared with three years ago, wealthy people pay more attention to control of risk, 88% of the surveyed population, the “asset security” concerns a higher degree, in which low-risk financial investment products (savings, banking financial products, insurance, etc.) configuration, accounting for about 70%.
Data show that wealthy bank savings, accounting for 46%, the ratio of financial products, reaching 12%, equity funds accounted for 5%, 2% bond funds, bonds, 3%, 5% of foreign exchange, trust products accounted for 4%, 4% of other financial products. Rich deposits in the proportion of people of wealth, higher than the global level, below the Chinese national average; securities investment ratio, much higher than the national level in Asia, close to the global level.
Allianz believes that the current HNWI wealth management attitude and awareness of the risks for investors, matures, and the “rapid appreciation of wealth” compared to “the security of assets,” a higher degree of concern.
Value of the property, the proportion of total assets over Qi Cheng
If coupled with the fixed assets, real estate is the highest proportion of wealthy people in the hands of some assets. Survey shows that in all assets, real estate values accounting for up to 72%, banks, financial products, respectively, accounting for 14%, 4%.
According to the calculation of Allianz, the net value of the property, including mortgage, wealthy people who are homeowners, 3.3 units, value of 5.68 million, property value, total assets of nearly 3 / 4. Real estate investment property under the name of the most affluent people, to 5.3 units; real estate value of the highest proportion of its total assets reached 77%.
低风险理财产品受青睐
调查显示，与三年前相比，富裕人士更看重对风险的把控，88%的被访人群,对“资产安全性”的关注度更高，其中，低风险金融投资产品（储蓄、银行理财产品、保险等）配置,约占70%。
数据显示，富裕人士银行储蓄,占比达到46%，银行理财产品配比,达到12%，股票型基金占到5%，债券型基金占2%，债券占3%，外汇占5%，信托产品占4%，其他理财产品占4%。富裕人群财富中的存款比例,高于全球水平,低于中国全国水平； 证券投资比例,远高于全国、亚洲水平，接近全球水平。
中德安联认为，目前,富裕人士对于财富管理的态度和对于投资风险的认识,日趋成熟，与“财富快速增值”相比，对“资产的安全性”关注度更高。
房产价值,占资产比例超七成
若加上固定资产，房地产是富裕人士手中资产占比最高的部分。调查显示，在全部资产中，房地产价值占比,高达72%，银行、银行理财产品,分别占比14%、4%。
根据中德安联的计算，将已扣除房贷的房产价值计算在内，富裕人士人,均拥有房产3.3套，价值568万，房产价值,占全部资产的近3/4。投资房地产的富裕人士名下的房产最多，达到5.3套;房产价值也占其总资产的比例最高，达到77%。